Maryland Mortgage Loans

If you've been following the news recently, you might have seen articles about an increase in foreclosures and bankruptcies. http://dlvr.it/SyBHTM

Multi-generational living is a great way to buy a larger home without breaking the bank, even today. By working with your loved ones to combine your resources together, you can afford a more spacious home that might have been out of reach otherwise. DM me to learn about this housing option and open the door to homeownership possibilities you may not have considered. #multigenliving #affordability www.DanFreshley.com http://dlvr.it/Sy8GzM

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A Real Estate Agent Helps Take the Fear Out of the Market http://dlvr.it/Sy85Zy

Do negative headlines and talk on social media have you feeling worried about the housing market? Maybe you’ve even seen or heard... http://dlvr.it/Sy854r

#ForBuyers #ForSellers #HousingMarketUpdates #BuyingMyths A Real Estate Agent Helps Take the Fear Out of the Market: Do negative headlines and talk on social media have you feeling worried about the housing market? http://dlvr.it/Sy7jF0 /> http://dlvr.it/Sy7jgQ

Do negative headlines and talk on social media have you feeling worried about the housing market? http://dlvr.it/Sy7jFL

Invest in Yourself by Owning a Home Are you wondering if it makes sense to buy a home right now? While today’s mortgage rates might seem a bit intimidating, here are two compelling reasons why it still may be a good time to become a homeowner. Home Values Appreciate over Time There’s been a lot of confusion around what’s happened with home prices over the past two years. While they did dip ever so slightly in late 2022, this year they’ve been appreciating at a more normal pace, which is good news for the housing market. And while looking at price movement over just a year or two can make you worry prices are usually this unpredictable, history shows in the long run, home values rise. As prices rise, and as you pay down your mortgage, you build equity. Over time, that growing equity gives your net worth a boost. Rent Keeps Going Up Through the Years Another reason you may want to... #realestate #homeownership #homebuying www.DanFreshley.com http://dlvr.it/Sy61jv

Unmasking Scary Myths about Today’s Housing Market [INFOGRAPHIC] Here’s what you really need to know about a few myths causing fear in today’s housing market. Despite common misconceptions, many people can buy a home even if they have student loans, home prices are rising nationally (not falling), and you usually don’t have to have 20% for a down payment. If you have other fears or reservations about buying a home today, DM me so you have an expert to help clear those up. #realestate #homeownership #homebuying www.DanFreshley.com http://dlvr.it/Sy4JH5

Considering selling your house this year and wondering if you should go solo? Take a moment to weigh your options carefully. Teaming up with an experienced real estate agent can be your best bet for setting the right price and achieving a successful sale. To make sure you have a pro on your side every step of the way, DM me today. #priceitright #expertanswers www.DanFreshley.com http://dlvr.it/Sy2MDj

#ForBuyers #Infographics #FirstTimeHomeBuyers #MoveUpBuyers Unmasking Scary Myths about Today’s Housing Market [INFOGRAPHIC]: Here’s what you really need to know about a few myths causing fear in today’s housing market. http://dlvr.it/Sy1qL1 /> http://dlvr.it/Sy1qWq

Here’s what you really need to know about a few myths causing fear in today’s housing market. http://dlvr.it/Sy1qJn

Here in the Milwaukee area (yes, the autumn colors are stellar), I attended a Newrez joint venture event and one of the conversation topics (besides lenders either saying “no mas” and exiting or being purchased, more below, or NAR’s legal events, more below) is the changing landscape of down payments and down payment assistance programs. STRATMOR’s current blog is titled, “Mind the Down Payment”. Despite high mortgage rates and low buyer demand, home prices are still at record highs in many parts of the country leading to higher down payments. LendingTree analyzed data from more than 580,000 users of our platform who lived in one of the nation’s 50 largest metropolitan areas. A down payment on a home across the nation’s 50 largest metros averages $84,499. While down payments vary significantly by location, no metro in this year’s study has an average of less than $47,900. California is home to the three metros where down payments are highest, Buffalo, N.Y., Oklahoma City, and Virginia

Interest rates rose again last week, as did the share of borrowers seeking a little price relief by applying for adjustable-rate mortgages (ARMs). While applications for refinancing rose slightly, overall volume declined again. The Mortgage Bankers Association (MBA) said its Market Composite Index, a measure of mortgage loan application volume, declined by 1.0 percent on both a seasonally adjusted and unadjusted basis during the week ended October 20. The Refinance Index increased 2.0 percent from the previous week and was 8.0 percent lower than the same week one year ago. The refinance share of mortgage activity increased to 31.4 percent of total applications from 30.5 percent a week earlier. Both adjusted and unadjusted Purchase Indices were 2.0 percent lower than the prior week Purchase applications were down 22 percent on an annual basis.   [refiappschart] [purchaseappschart] “Ten-year Treasury yields climbed higher last week, as global investors remained concerned about the prospe

#ForBuyers #Pricing #FirstTimeHomeBuyers #InterestRates Invest in Yourself by Owning a Home: Are you wondering if it makes sense to buy a home right now? http://dlvr.it/SxwYgZ /> http://dlvr.it/SxwYtg

Are you wondering if it makes sense to buy a home right now? http://dlvr.it/SxwYgB

#ForSellers #HousingMarketUpdates #SellingMyths The Perks of Selling Your House When Inventory Is Low: When it comes to selling your house, you’re probably trying to juggle the current market conditions and your own needs as you plan your move. http://dlvr.it/Sxsv0j /> http://dlvr.it/SxsvDg

When it comes to selling your house, you’re probably trying to juggle the current market conditions and your own needs as you plan your move. http://dlvr.it/Sxsv0t

ICYMI: How Buying a Multi-Generational Home Helps with Affordability Today In today's world of rising housing costs, many buyers are looking for ways to still be able to buy a home. Some of them have found a solution in multi-generational living. Multi-generational living is when two or more adult generations live together under one roof. This includes siblings, parents, or even grandparents. Reasons To Buy a Multi-Generational Home According to a recent study by the National Association of Realtors (NAR), the top two reasons people are opting for multi-generational homes today have to do with affordability. Cost Savings: About 28% of first-time buyers and 11% of repeat buyers are deciding on a multi-generational home to save on costs. By pooling their resources, households can share the financial responsibilities to make homeownership more affordable. More Space: Another 28% of first-time buyers and 18% of repeat buyers are doing it because they want a larger home they

Did all the negative media coverage saying home prices were falling leave you feeling a little freaked out? Let's clear the air. Yes, there was a dip, but it was a lot shallower than expected and it didn’t last for long. Prices have already rebounded and are back on the rise nationally. If you have questions about what’s happening with prices in our area, DM me today. #homeprices #stayinformed #makememove www.DanFreshley.com http://dlvr.it/SxnZVg

Did all the negative media coverage saying home prices were falling leave you feeling a little freaked out? Let's clear the air. Yes, there was a dip, but it was a lot shallower than expected and it didn’t last for long. Prices have already rebounded and are back on the rise nationally. If you have questions about what’s happening with prices in our area, DM me today. #homeprices #stayinformed #makememove www.DanFreshley.com http://dlvr.it/SxnZ8r

How Buying a Multi-Generational Home Helps with Affordability Today In today's world of rising housing costs, many buyers are looking for ways to still be able to buy a home. Some of them have found a solution in multi-generational living. Multi-generational living is when two or more adult generations live together under one roof. This includes siblings, parents, or even grandparents. Reasons To Buy a Multi-Generational Home According to a recent study by the National Association of Realtors (NAR), the top two reasons people are opting for multi-generational homes today have to do with affordability. Cost Savings: About 28% of first-time buyers and 11% of repeat buyers are deciding on a multi-generational home to save on costs. By pooling their resources, households can share the financial responsibilities to make homeownership more affordable. More Space: Another 28% of first-time buyers and 18% of repeat buyers are doing it because they want a larger home they couldn

#ForSellers #FSBOs #SellingMyths The Risks of Selling Your House on Your Own: Are you thinking about selling your house as a For Sale by Owner (FSBO)? http://dlvr.it/SxfchR /> http://dlvr.it/Sxfd40

Are you thinking about selling your house as a For Sale by Owner (FSBO)? http://dlvr.it/Sxfcjd

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #Demographics How Buying a Multi-Generational Home Helps with Affordability Today: In today's world of rising housing costs, many buyers are looking for ways to still be able to buy a home. http://dlvr.it/SxYQj1 /> http://dlvr.it/SxYQyK

In today's world of rising housing costs, many buyers are looking for ways to still be able to buy a home. http://dlvr.it/SxYQhx

Worried about affordability? Buying a multi-generational home can be a good way to save on homeownership costs. But finding that perfect place where everyone feels at home is different from your typical house hunt. You’ll want an expert to help you explore your options and find the one that fits all of your loved one’s needs. DM me to talk about what’s available in our area. #multigenerational #opportunity www.DanFreshley.com http://dlvr.it/SxT2V6

#ForBuyers #BuyingMyths #RentvsBuy Growing Your Net Worth with Homeownership: Take a moment to imagine where you want to be in a few years. http://dlvr.it/SxL9Vn /> http://dlvr.it/SxLB1s

Take a moment to imagine where you want to be in a few years. http://dlvr.it/SxL9VR

During the pandemic, many people distanced themselves from their loved ones for health reasons. http://dlvr.it/SxDxLk

Are You a Homebuyer Worried About Climate Risks? The increasing effects of natural disasters are leading to new obstacles in residential real estate. As a recent article from CoreLogic explains: “As the specter of climate change looms large, the world braces for unprecedented challenges. In the world of real estate, one of those challenges will be the effects of natural catastrophes on property portfolios, homeowners, and communities.” Expert Advice for Homebuyers To Reduce Climate Risks The first thing to do is understand how to go about buying a home while thinking about climate risks. With the right help and resources, you can simplify the process. The Mortgage Reports provides these tips for buying your next home: • Evaluate climate risks • Consider future preventative maintenance costs • Take steps to avoid losing your assets Above all else, your most valuable resource during this process is a trusted real estate expert. They'll always focus on your goals while

Are You a Homebuyer Worried About Climate Risks? The increasing effects of natural disasters are leading to new obstacles in residential real estate. As a recent article from CoreLogic explains: “As the specter of climate change looms large, the world braces for unprecedented challenges. In the world of real estate, one of those challenges will be the effects of natural catastrophes on property portfolios, homeowners, and communities.” Expert Advice for Homebuyers To Reduce Climate Risks The first thing to do is understand how to go about buying a home while thinking about climate risks. With the right help and resources, you can simplify the process. The Mortgage Reports provides these tips for buying your next home: • Evaluate climate risks • Consider future preventative maintenance costs • Take steps to avoid losing your assets Above all else, your most valuable resource during this... #expertanswers #stayinformed www.DanFreshley.com http://dlvr.it/Sx8k9D

I head to Vancouver, WA, this morning for a Banner Bank event and will probably have the option of Wi-Fi on the plane. How is it that NASA is able to receive data from 4.6 billion miles away, but I lose my Wi-Fi signal in my kitchen? Having a computer or smart phone has a price. I use Duck Duck Go for a search engine… Don’t think that Google doesn’t alter your search queries to reach your wallet. In other tech news, and you will forget about this note by then, your phone will blare a national emergency alert test today at 2:20PM ET, 12:20 PM MT. Of course, the messages will be accompanied by a “unique tone and vibration.” Listen for a jarring and obnoxious alarm that will immediately make you stop what you’re doing, utter obscenities, and pick up your phone to make it stop. Who can concentrate on Taylor Swift munching on football stadium dogs, or the lack of inventory and high rates, when the Las Vegas oddsmakers are making an active market in Fat Bear Week? (My 401(k) money’s on Otis!

As mortgage rates continued to climb, mortgage applications took their biggest hit since mid-April. The Mortgage Bankers Association (MBA) said its Market Composite Index, a measure of application volume, decreased 6.0 percent on both a seasonally adjusted and unadjusted basis compared to the previous week.    The Refinance Index dropped by 7.0 percent and was 11 percent lower than the same week one year ago. The refinance share of mortgage activity decreased to 31.7 percent of total applications from 31.9 percent the previous week. [refiappschart] There was also a 6.0 percent decrease in the seasonally adjusted and unadjusted Purchase indices. This drove the unadjusted index to a level 22 percent lower than the same week one year ago. [purchaseappschart] “Mortgage rates continued to move higher last week as markets digested the recent upswing in Treasury yields. Rates for all mortgage products increased, with the 30-year fixed mortgage rate increasing for the fourth consecutive week,

#ForBuyers #FirstTimeHomeBuyers #InterestRates #MoveUpBuyers Understanding the Benefits of Owning Your First Home: Are you considering buying your first home? http://dlvr.it/SwzLLB /> http://dlvr.it/SwzLtR

Are you considering buying your first home? http://dlvr.it/SwzLLv

Have questions about the housing market? Don't rely on online search results for your answers. Instead, have a conversation with a local real estate professional. That way you have reliable expertise you can trust. DM me and let me know what questions you have. I'm here to help. #expertanswers #expertinsights www.DanFreshley.com http://dlvr.it/SwtnXB

As President Jimmy Carter celebrated his 99th birthday seven months into hospice, welcome to the 4th quarter! (Will lenders experience any “Q-4-ia”? Say out loud.) Let’s talk U.S. lists! California, Indiana, Michigan, Texas, and Virginia are top five in pumpkin growing. The National Association of Realtors, U.S. Chamber of Commerce, Pharmaceuticals, American Hospital Association, and Blue Cross/Blue Shield are the leading five lobbying spenders. And you can add the Internal Revenue Service's Income Verification Express Service (IVES) to the list of "essential" government activities that would continue to operate in the event of a government shutdown. We won’t have to worry about that until mid-November, as the government kicked the can down the road and passed a Continuing Resolution that averts a government shutdown to November 17. HUD (Ginnie Mae and FHA included), USDA, and the VA will continue to operate temporarily uninterrupted, and for a bonus the bill also include

Have questions about the housing market? Don't rely on online search results for your answers. Instead, have a conversation with a local real estate professional. That way you have reliable expertise you can trust. DM me and let me know what questions you have. I'm here to help. #expertanswers #expertinsights www.DanFreshley.com http://dlvr.it/Swtn1H

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths Unpacking the Long-Term Benefits of Homeownership: If you’re thinking about buying a home soon, higher mortgage rates, rising home prices, and ongoing affordability concerns may make you wonder if it still makes sense to buy a home right now. http://dlvr.it/SwtCJ7 /> http://dlvr.it/SwtCjx

If you’re thinking about buying a home soon, higher mortgage rates, rising home prices, and ongoing affordability concerns may make you wonder if it still makes sense to buy a home right now. http://dlvr.it/SwtCJH