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Expect the Unexpected: Anticipating Volatility in Today’s Housing Market
You’ve probably noticed one thing if you’re thinking about making a move: the housing market feels a bit unpredictable right now. The truth is, from home prices to mortgage rates, we’re seeing more volatility – and it’s important to understand why.At a high-level, let’s break down what’s happening and the best way to navigate it.What’s Driving Today’s Market Volatility?Factors like economic data, unemployment numbers, decisions coming out of the Federal Reserve (The Fed), and even the presidential election, are creating uncertainty right now – and uncertainty leads to market volatility.You can see that when you look at what’s happening with mortgage rates. New economic reports and other geopolitical events have an impact and can cause sudden shifts up or down, even though experts still forecast rates will come down overall. We’ve seen that effect play out recently, like when employment and inflation data get released each month.And as the markets react, these types of updates will continue to have an impact on rates moving forward. As Greg McBride, CFA, Chief Financial Analyst at Bankrate, says: “After steadily declining throughout the summer months, I expect more ups and downs to mortgage rates . . . Job market data will be closely watched as well as any clues from the Fed about the extent of upcoming interest rate cuts.”This is exactly why the projected decline in mortgage rates isn’t going to be a straight line down over the next year. As Hannah Jones, Senior Economic Research Analyst at Realtor.com, explains:“Rates have shown considerable volatility lately, and may continue to do so . . . Overall, we still expect a downward long-term mortgage rate trend.”Plus, home prices and the number of homes on the market vary dramatically depending on where you’re looking to buy or sell, which makes it even harder to get a clear picture. In some areas, home prices are rising and inventory is tight, while in others, there are more homes available and it’s leading to more moderate pricing shifts.As all of this unfolds, understanding what’s happening will help you make the right decisions, whether that’s buying or selling. And there’s one easy way to get that information: from a professional.The Importance of Partnering with a ProWhile the road ahead may have some bumps and unexpected turns, you don’t have to go it alone. A great agent will keep you up to date on the latest market developments, guide you through any shifts, and help you make smart decisions based on your goals.For example, as mortgage rates change, professionals (like your agent and a trusted lender) will explain how the shifts impact what you can reasonably plan for in your monthly payment. This will help you see how even a small change in rates can impact your bottom line – that way you don’t lose sight of the big picture even as shifts happen here and there.And since conditions can vary significantly from one neighborhood to another, your agent will also help you understand the specifics of your market—whether it’s how to navigate competition with other buyers, the number of homes available, or what’s happening with local home prices. Their insights and expertise will help you adapt to any movement in the market.Bottom LineThe housing market may be experiencing some shifts, but don’t let it stop you from making your move. With the support of an experienced real estate agent and a trusted lender, you’ll be ready to navigate the changes and make the most of the opportunities that come your way.
Is a Fixer Upper Right for You?
Looking to buy a home but feeling like almost everything is out of reach? Here’s the thing. There’s still a way to become a homeowner, even when affordability seems like a huge roadblock – and it might be with a fixer upper. Let’s dive into why buying a fixer upper could be your ticket to homeownership and how you can make it work.What Is a Fixer Upper?A fixer upper is a home that’s in livable condition but needs some work. The amount of work varies by home – some may need cosmetic updates like wallpaper removal and new flooring, while others might require more extensive repairs like replacing a roof or updating plumbing.Because they need some elbow grease, these homes typically have a lower price point, based on local market value. In fact, a survey from StorageCafe explains that fixer uppers generally cost about 29% less than move-in-ready homes.And that’s why, according to a recent survey, more buyers are considering homes that need a little extra work right now (see below):If you're looking for an option to get your foot in the door, and you're willing to roll up your sleeves and do a bit of work, a house with untapped potential may be a good option.Tips for Buying a Home That Needs Some WorkBefore you buy a home that may need a makeover, here are a few things to keep in mind:Choose a Good Location: You can repair a house, but you can’t change where it is. Make sure the home is in a neighborhood you like or one with increasing property values and a growing number of local amenities. This way, even after you spend money fixing it up, the house will be worth more later.Budget for Surprises: Fixing up a house can take more time and money than you might think. Make sure you save room in your budget for unexpected repairs or other unknowns that might come up while you're working on the house.Get a Home Inspection: Before you buy, hire an inspector to check out the house. They’ll help you determine the necessary repairs, so you don’t end up with expensive surprises later.Plan Your Priorities: When deciding what to tackle first, it helps to categorize your goals. Think of your home in three ways: the must-haves (essential repairs), the nice-to-haves (upgrades that would make life easier), and the dream-state features (luxuries you can add later). This will help you prioritize and stick to your budget.Remember, the perfect home is the one you perfect after buying it. By starting with a fixer upper, you have the opportunity to customize a home to your liking while saving money on the initial purchase price. With careful planning, budgeting, and a little bit of vision, you can turn a house that needs some love into your perfect home. Real estate agents are great at finding homes with potential. They know the local market and can guide you to homes where smart upgrades can add value. With their help, you’re more likely to find a house that fits your total budget and has room for worthwhile improvements.Bottom LineIn today’s market, where the cost of homeownership can be intimidating, finding a move-in-ready home that fits your budget can feel like a real challenge. But if you’re open to putting in a little work, you can transform a fixer upper into your ideal home over time. A local real estate agent can help you explore what’s possible and find a place that’ll work for you.
Q&A: How Do Presidential Elections Impact the Housing Market?
Some HighlightsEven if you’re not looking to move right away, you may have questions about how the election will impact the housing market.When we look at historical trends, combined with what’s happening right now, we can find your answers. Based on historical data, mortgage rates decrease in the months before and home prices and sales increase the year after the election.The facts show Presidential elections only have a small and temporary impact on the housing market.
- Xiong**FIRST-TIME HOMEBUYER, HERE** Courteous, Punctual and Considerate. **HIGHLY RECOMMENDED**We are nothing but thankful and impressed with Jennifer with helping us navigate through the purchase of our First Home. We recently closed having started our search in November of 2021, having gone through the holidays and New Year- through it all: Jennifer was readily available and able to schedule/ coordinate through the transition into the New Year. Jennifer was courteous, responded promptly and utilized our preferred method of communications (SMS and E-mail). We laid out our expectations, our experience(s) prior to Jennifer helping us and she was able to address and prepare us for Escrow.
- CrystalProfessionalism at it’s finest! Jennifer was so helpful during the search portion of my house hunting. I told her the areas I was thinking of living and she should me homes that were great options, but ultimately I settled on one in a different part of town. Jennifer would answer all my questions during the buying process, gave solid advice when it came to putting in an offer, and when the offer was accepted she would always update me on what was going on. Jennifer was so very sweet and helpful during this process, and really helped ease any fears I had. Anybody would be lucky to work with her! Verified by RateMyAgent
- JessycaJennifer was amazing! She went above and beyond to help us find our new home. She was available and attentive and her knowledge of the San Diego area helped us find the home of our dreams. I would recommend her to anyone, and will be using her again for future purchases! Verified by RateMyAgent
- ErnestJen helped us get our first home! She was very helpful walking us through the entire house buying pr Jen helped us get our first home! She was very helpful walking us through the entire house buying process. She was always available to respond to any questions or concerns we have. We took a break from house hunting during the peak summer months, but Jen kept in touch with us and provided us with new listings we might be interested in. Her hard work paid off when we finally got our house with her help! Verified by RateMyAgent
- TimExcellent experience! Jen is very knowledgeable, friendly and most importantly results driven when it comes to finding the right property and getting the deal done! I would recommend Jen to help buy or sell any property. Verified by RateMyAgent
- Dan and KristenWhen you’re the best around... Jen is never gonna let you down! I would recommend her to anyone one house hoping! Tasks were completed timely and correctly. Her warm, sweet personality will definitely make you smile. Verified by RateMyAgent
- ValarieTell me I don't have the GREATEST REALTOR Jennifer Gascon of Jennifer Gascon Real Estate sent me this yummy cookie basket to celebrate my home funding last week! Thanks to Jen and Tracie Schmidt of The Schmidt Team for helping us find and finance our home! These wonderful and beautiful ladies were with us every step of the way and got it all done in under 30 days! Thanks again and God bless!!
- ChrisJen is amazing! A true professional at what she does. She goes above and beyond for her clients always putting their best interest first. I would highly recommend Jen and her services to anyone!
- TerriJen was the perfect agent for me. She walked me through every step of the process - from locating multiple properties that she knew I would be interested in to finally purchasing my new condo. She was always available to respond to my numerous emails, texts, and phone calls. We experienced all types of situations in the buying process (pulling out of a purchase due to bad disclosures, being out bid, to the perfect place). Jen was knowledgeable in all. She recommended a great lender, multiple inspectors for me to choose from, and sent me tips all along the way. I couldn't have gone through this very life changing process without her.
- MikeJennifer stayed in constant contact with us. Helped us with resources to get our house ready. She was a real pro. Verified by RateMyAgent
- Anderson and AnaJen helped us get our first home. She always promptly replied to all our queries and helped us throughout all steps. It was a great experience and gave us peace of mind. We surely recommend her. Verified by RateMyAgent
- SheyeJennifer was very helpful and responsive throughout my FIRST experience with purchasing my home. She made the entire process seem easy and was able and willing to help with questions and concerns. Verified by RateMyAgent
- JoannaJennifer is amazing! Always puts clients first and is honest, wonderful and always puts in 110% of herself in all that she does. If you are looking for a trustworthy and amazing agent look no further! This is the agent of your dreams!
- Micha HFrom our first meeting Jennifer was prepared and ready to get started. She listened to what I had to say and took all my concerns into consideration. She helped me to decide how to proceed and took over all the details and made everything run smoothly. We listed, showed and had an offer in 3 days. All I had to do was sit back and wait for the money to arrive. Her professionalism was beyond reproach. I would highly recommend her.
- BrennanMy husband and I loved working with Jen Gascon! She made the home buying processes smooth and enjoyable. She was available when we needed her and worked around our busy schedules. She is truly amazing and went above and beyond to help us find our home.
- ErnestJen helped us get our first home! She was very helpful walking us through the entire house buying process. She was always available to respond to any questions or concerns we have. We took a break from house hunting during the peak summer months, but Jen kept in touch with us and provided us with new listings we might be interested in. Her hard work paid off when we finally got our house with her help!
- CharlesJen was great! She helped me with my first home purchase, answered all my questions, was responsive, and took me to see many homes! She even called her handy man and paid to fix a screen that was damaged when the previous tenants moved out. I rushed through the final inspection so I missed that the screen door and the sliding balcony door were damaged during their move out so my only advice is to not to get too excited and really take your time with the final inspection, it's worth it. I would recommend Jen to everyone!
- SteveJennifer is the BEST realtor. I didn’t even think I could afford one I talked to her she set me up with the lender and figured out how much I was comfortable in spending told her where I wanted to live and what I was looking for in a home she took care of the rest from day one to closing. It can be pretty scary, it was the biggest purchase of my life and you want someone you can trust and easy to talk to. She’s not only the best realtor but she’s all around good person and that’s what you want.
- SandraFrom the Start Jennifer was extremely helpful as this was our first purchase. She was always available, always had an answer, and was so patient. She made sure we were comfortable through the whole process. I highly recommend her!!!!
- Trisha BHands down, one of the most memorable experiences EVER! A tremendous thank you to Jennifer Gascon Real Estate who tirelessly continued to comb through the market with our real estate dreams and made them a reality! You went above and beyond the expectations of a realtor and never left our side through any of the setbacks this competitive market threw at us. If ANYONE wants/needs an honest, hardworking agent to fulfill your dreams, we highly recommend Jennifer Gascon! We cannot say enough good things about her! Thanks for everything, Jen!
- Michelle PJennifer Gascon went above and beyond in helping us sell our home in California, while we lived out of state. Jennifer's responsiveness time was wonderful, and she would be so patient with us when we had questions and even when she didn't have an answer, she found someone who did and got us a response quickly. Thanks Jennifer.
- jesus7nicoleAlways available to answer questions or help with concerns I have about a property. She had time to venture out to see properties when ever needed. It was a great experience working with her on the purchase of our first home.
- Micha HamiltonFrom our first meeting Jennifer was prepared and ready to get started. She listened to what I had to say and took all my concerns into consideration. She helped me to decide how to proceed and took over all the details and made everything run smoothly. We listed, showed and had a offer in 3 days. All I had to do was sit back and wait for the money to arrive. Her professionalism was beyond reproach. I would highly recommend her.
- Mcdiver987654Jennifer Gascon went above and beyond in helping us sell our home in California, while we lived out of state. Jennifer's responsiveness time was wonderful, and she would be so patient with us when we had questions and even when she didn't have an answer, she found someone who did and got us a response quickly. Thanks Jennifer.
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