Maryland Mortgage Loans

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November marked the first annual growth in newly listed homes in 17 months, breaking records for this season. What does that mean for you? The increased inventory not only signifies a positive shift in the market but gives you as a buyer more options for your next home. Ready to check out what’s available in our market? DM me. #housingsupply #housingoptions www.DanFreshley.com

ICYMI: November marked the first annual growth in newly listed homes in 17 months, breaking records for this season. What does that mean for you? The increased inventory not only signifies a positive shift in the market but gives you as a buyer more options for your next home. Ready to check out what’s available in our market? DM me. #housingsupply #housingoptions www.DanFreshley.com http://dlvr.it/T0cYNv

Get Ready To Buy a Home by Improving Your Credit Score As the new year approaches, the idea of buying a home might be on your mind. It’s an exciting goal to set, and it's never too early to start laying the groundwork. One crucial step to prepare for homeownership is building a solid credit score. Lenders review your credit to assess your ability to make payments on time, pay back debts, and more. It’s also a factor that helps determine your mortgage rate. This means your credit score may feel even more important to your homebuying plans right now since mortgage rates are a key factor in affordability, especially today. According to the Federal Reserve Bank of New York, the median credit score in the U.S. for those taking out a mortgage is 770. But that doesn’t mean your credit score has to be perfect. If you’re looking for ways to improve your score, Experian highlights some things you may want to focus on: • Your Payment History: Late payments can have a negative impact by dropping your score. Focus on making payments on time and paying any existing late charges quickly. • Your Debt Amount (relative to your credit limits): When it comes to your available credit amount, the less you’re using, the better. Focus on keeping this number as low as possible. • Credit Applications: If you’re looking to buy something, don’t apply for additional credit. When you apply for new credit, it could result in a hard inquiry on your credit that drops your score. As you set your sights on buying a home in the upcoming year, a focus on boosting your credit score could help you get a better mortgage rate when the time comes. If you want to learn more, connect with a trusted lender. #firsttimehomebuyer #opportunity www.DanFreshley.com

Get Ready To Buy a Home by Improving Your Credit Score As the new year approaches, the idea of buying a home might be on your mind. It’s an exciting goal to set, and it's never too early to start laying the groundwork. One crucial step to prepare for homeownership is building a solid credit score. Lenders review your credit to assess your ability to make payments on time, pay back debts, and more. It’s also a factor that helps determine your mortgage rate. This means your credit score may feel even more important to your homebuying plans right now since mortgage rates are a key factor in affordability, especially today. According to the Federal Reserve Bank of New York, the median credit score in the U.S. for those taking out a mortgage is 770. But that doesn’t mean your credit score has to be perfect. If you’re looking for ways to improve your score, Experian highlights some things you may want to focus on: • Your Payment History: Late payments can have a negative impac

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths These Non-Financial Benefits Turn a House into a Happy Home: There’s no denying the long-term financial benefits of owning a home, but today’s housing market may have you wondering if now’s still the time to buy. http://dlvr.it/T0Zdz3

ICYMI: #ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths These Non-Financial Benefits Turn a House into a Happy Home: There’s no denying the long-term financial benefits of owning a home, but today’s housing market may have you wondering if now’s still the time to buy. http://dlvr.it/T0Zdz3 /> http://dlvr.it/T0cGhG

Get Ready To Buy a Home by Improving Your Credit Score

As the new year approaches, the idea of buying a home might be on your mind. http://dlvr.it/T0cFwL

November marked the first annual growth in newly listed homes in 17 months, breaking records for this season. What does that mean for you? The increased inventory not only signifies a positive shift in the market but gives you as a buyer more options for your next home. Ready to check out what’s available in our market? DM me. #housingsupply #housingoptions www.DanFreshley.com

November marked the first annual growth in newly listed homes in 17 months, breaking records for this season. What does that mean for you? The increased inventory not only signifies a positive shift in the market but gives you as a buyer more options for your next home. Ready to check out what’s available in our market? DM me. #housingsupply #housingoptions www.DanFreshley.com http://dlvr.it/T0ZtZk

Why Now Is Still a Great Time To Sell Your House If you were worried buyer demand disappeared when mortgage rates went up, the data shows there are plenty of interested buyers still out there. The housing market isn't as frenzied as it was during the ‘unicorn’ years when buyer demand was through the roof, mortgage rates were historically low, and home values rose like we’ve never seen before. But that doesn’t mean the market is at a standstill. Nationally, demand is still high compared to the last normal years in the housing market and plenty of buyers are making moves right now. Here’s the data to prove it. Sellers Are Still Seeing Multiple Offers According to the latest data from the National Association of Realtors (NAR), sellers are receiving an average of 2.5 offers on their houses. It’s true that’s fewer than the number of offers sellers were receiving during the ‘unicorn’ years. But compared to last year, the number is up slightly. And it’s higher than it was in the more normal, pre-‘unicorn’ years in the housing market too. Homes Priced Right Are Selling Fast And it’s not just that sellers are still typically getting multiple offers more than the norm, they’re also seeing their homes sell fast. That’s a direct result of strong buyer demand. According to Zillow: “. . . low inventory levels are spurring surprisingly strong competition . . . demand has remained resilient, and attractive, appropriately priced listings are moving quickly.” You haven't missed your chance to sell at a time when sellers are receiving multiple offers, and homes are selling fast. When you’re ready to sell your house, DM me to get the ball rolling. #sellyourhouse #moveuphome #dreamhome www.DanFreshley.com

ICYMI: Why Now Is Still a Great Time To Sell Your House If you were worried buyer demand disappeared when mortgage rates went up, the data shows there are plenty of interested buyers still out there. The housing market isn't as frenzied as it was during the ‘unicorn’ years when buyer demand was through the roof, mortgage rates were historically low, and home values rose like we’ve never seen before. But that doesn’t mean the market is at a standstill. Nationally, demand is still high compared to the last normal years in the housing market and plenty of buyers are making moves right now. Here’s the data to prove it. Sellers Are Still Seeing Multiple Offers According to the latest data from the National Association of Realtors (NAR), sellers are receiving an average of 2.5 offers on their houses. It’s true that’s fewer than the number of offers sellers were receiving during the ‘unicorn’ years. But compared to last year, the number is up slightly. And it’s higher than it wa

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths These Non-Financial Benefits Turn a House into a Happy Home: There’s no denying the long-term financial benefits of owning a home, but today’s housing market may have you wondering if now’s still the time to buy. http://dlvr.it/T0Zdz3

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths These Non-Financial Benefits Turn a House into a Happy Home: There’s no denying the long-term financial benefits of owning a home, but today’s housing market may have you wondering if now’s still the time to buy. http://dlvr.it/T0Zdz3 /> http://dlvr.it/T0Zf3k

These Non-Financial Benefits Turn a House into a Happy Home

There’s no denying the long-term financial benefits of owning a home, but today’s housing market may have you wondering if now’s still the time to buy. http://dlvr.it/T0Zdzb

Why Now Is Still a Great Time To Sell Your House If you were worried buyer demand disappeared when mortgage rates went up, the data shows there are plenty of interested buyers still out there. The housing market isn't as frenzied as it was during the ‘unicorn’ years when buyer demand was through the roof, mortgage rates were historically low, and home values rose like we’ve never seen before. But that doesn’t mean the market is at a standstill. Nationally, demand is still high compared to the last normal years in the housing market and plenty of buyers are making moves right now. Here’s the data to prove it. Sellers Are Still Seeing Multiple Offers According to the latest data from the National Association of Realtors (NAR), sellers are receiving an average of 2.5 offers on their houses. It’s true that’s fewer than the number of offers sellers were receiving during the ‘unicorn’ years. But compared to last year, the number is up slightly. And it’s higher than it was in the more normal, pre-‘unicorn’ years in the housing market too. Homes Priced Right Are Selling Fast And it’s not just that sellers are still typically getting multiple offers more than the norm, they’re also seeing their homes sell fast. That’s a direct result of strong buyer demand. According to Zillow: “. . . low inventory levels are spurring surprisingly strong competition . . . demand has remained resilient, and attractive, appropriately priced listings are moving quickly.” You haven't missed your chance to sell at a time when sellers are receiving multiple offers, and homes are selling fast. When you’re ready to sell your house, DM me to get the ball rolling. #sellyourhouse #moveuphome #dreamhome www.DanFreshley.com

December 24, 2023

Why Now Is Still a Great Time To Sell Your House If you were worried buyer demand disappeared when mortgage rates went up, the data shows there are plenty of interested buyers still out there. The housing market isn't as frenzied as it was during the ‘unicorn’ years when buyer demand was through the roof, mortgage rates were historically low, and home values rose like we’ve never seen before. But that doesn’t mean the market is at a standstill. Nationally, demand is still high compared to the last normal years in the housing market and plenty of buyers are making moves right now. Here’s the data to prove it. Sellers Are Still Seeing Multiple Offers According to the latest data from the National Association of Realtors (NAR), sellers are receiving an average of 2.5 offers on their houses. It’s true that’s fewer than the number of offers sellers were receiving during the ‘unicorn’ years. But compared to last year, the number is up slightly. And it’s higher than it was in th

Sell Smarter: Why Working with a Real Estate Agent May Beat Going Solo If you're thinking about selling your house on your own, called “For Sale by Owner” or FSBO, there are some important things to consider. Going this route means taking on a lot of responsibilities by yourself – and that can be a bit of a headache. A recent report from the National Association of Realtors (NAR) found two of the most difficult tasks for people who sell their house on their own are getting the price right and understanding and performing paperwork. Getting the Price Right Setting the right price for your house is important when you're trying to sell it. If you're selling your house on your own, two common issues can happen. For starters, you might ask for too much money (overpricing). Alternatively, you might not ask for enough (underpricing). Either can make it hard to sell your house. To avoid these... #sellyourhouse #moveuphome #dreamhome www.DanFreshley.com

December 23, 2023

Sell Smarter: Why Working with a Real Estate Agent May Beat Going Solo If you're thinking about selling your house on your own, called “For Sale by Owner” or FSBO, there are some important things to consider. Going this route means taking on a lot of responsibilities by yourself – and that can be a bit of a headache. A recent report from the National Association of Realtors (NAR) found two of the most difficult tasks for people who sell their house on their own are getting the price right and understanding and performing paperwork. Getting the Price Right Setting the right price for your house is important when you're trying to sell it. If you're selling your house on your own, two common issues can happen. For starters, you might ask for too much money (overpricing). Alternatively, you might not ask for enough (underpricing). Either can make it hard to sell your house. To avoid these... #sellyourhouse #moveuphome #dreamhome www.DanFreshley.com http://dlvr.it/

Sell Smarter: Why Working with a Real Estate Agent May Beat Going Solo If you're thinking about selling your house on your own, called “For Sale by Owner” or FSBO, there are some important things to consider. Going this route means taking on a lot of responsibilities by yourself – and that can be a bit of a headache. A recent report from the National Association of Realtors (NAR) found two of the most difficult tasks for people who sell their house on their own are getting the price right and understanding and performing paperwork. Getting the Price Right Setting the right price for your house is important when you're trying to sell it. If you're selling your house on your own, two common issues can happen. For starters, you might ask for too much money (overpricing). Alternatively, you might not ask for enough (underpricing). Either can make it hard to sell your house. To avoid these problems, it's a good idea to team up with a real estate agent. Understanding and Performing Paperwork Selling a house involves a bunch of paperwork and legal documentation that has to be just right. There are a lot of rules and regulations to follow, making it a bit tricky for homeowners to manage everything on their own. Without a pro by your side, you could end up facing liability risks and legal complications. Selling your house is a big deal, and it can be complicated. Having a real estate agent can make a huge difference with setting the right price and managing all the details, so you can sell confidently. DM me to make the process smooth and take the stress off your plate. #sellyourhouse #moveuphome #dreamhome www.DanFreshley.com

December 23, 2023

Sell Smarter: Why Working with a Real Estate Agent May Beat Going Solo If you're thinking about selling your house on your own, called “For Sale by Owner” or FSBO, there are some important things to consider. Going this route means taking on a lot of responsibilities by yourself – and that can be a bit of a headache. A recent report from the National Association of Realtors (NAR) found two of the most difficult tasks for people who sell their house on their own are getting the price right and understanding and performing paperwork. Getting the Price Right Setting the right price for your house is important when you're trying to sell it. If you're selling your house on your own, two common issues can happen. For starters, you might ask for too much money (overpricing). Alternatively, you might not ask for enough (underpricing). Either can make it hard to sell your house. To avoid these problems, it's a good idea to team up with a real estate agent. Understandin

#InterestRates #HousingMarketUpdates Why Mortgage Rates Could Continue To Decline: When you read about the housing market, you’ll probably come across some information about inflation or recent decisions made by the Federal Reserve (the Fed). http://dlvr.it/T0NW7r

December 20, 2023

#InterestRates #HousingMarketUpdates Why Mortgage Rates Could Continue To Decline: When you read about the housing market, you’ll probably come across some information about inflation or recent decisions made by the Federal Reserve (the Fed). http://dlvr.it/T0NW7r /> http://dlvr.it/T0NWjg

Why Mortgage Rates Could Continue To Decline

December 20, 2023

When you read about the housing market, you’ll probably come across some information about inflation or recent decisions made by the Federal Reserve (the Fed). http://dlvr.it/T0NW7H

Thinking about selling but worried buyer demand disappeared when mortgage rates went up? Well, multiple offers are still rolling in, especially for starter and mid-priced homes. That means there's still a pool of interested buyers, and your home could be a standout in the current market. If you're ready to sell and upgrade to your next home, let’s connect. #buyerdemand #multipleoffers www.DanFreshley.com

Thinking about selling but worried buyer demand disappeared when mortgage rates went up? Well, multiple offers are still rolling in, especially for starter and mid-priced homes. That means there's still a pool of interested buyers, and your home could be a standout in the current market. If you're ready to sell and upgrade to your next home, let’s connect. #buyerdemand #multipleoffers www.DanFreshley.com http://dlvr.it/T0Hy1z

Thinking about selling but worried buyer demand disappeared when mortgage rates went up? Well, multiple offers are still rolling in, especially for starter and mid-priced homes. That means there's still a pool of interested buyers, and your home could be a standout in the current market. If you're ready to sell and upgrade to your next home, let’s connect. #buyerdemand #multipleoffers www.DanFreshley.com

What You Need To Know About Down Payments [INFOGRAPHIC] If you want to buy a home, you may not need as much for your down payment as you think. There are various loan options for qualified buyers with down payments as low as 3.5% or even no down payment requirement. There are also thousands of programs available to help homebuyers with their down payments. With the right resources, your down payment may be more within reach than you realize. To learn more about your options, let’s connect. #firsttimehomebuyer #opportunity www.DanFreshley.com

ICYMI: What You Need To Know About Down Payments [INFOGRAPHIC] If you want to buy a home, you may not need as much for your down payment as you think. There are various loan options for qualified buyers with down payments as low as 3.5% or even no down payment requirement. There are also thousands of programs available to help homebuyers with their down payments. With the right resources, your down payment may be more within reach than you realize. To learn more about your options, let’s connect. #firsttimehomebuyer #opportunity www.DanFreshley.com http://dlvr.it/T0Hm2x

#ForSellers #HousingMarketUpdates #SellingMyths Why Now Is Still a Great Time To Sell Your House: If you were worried buyer demand disappeared when mortgage rates went up, the data shows there are plenty of interested buyers still out there. http://dlvr.it/T0HY3f

#ForSellers #HousingMarketUpdates #SellingMyths Why Now Is Still a Great Time To Sell Your House: If you were worried buyer demand disappeared when mortgage rates went up, the data shows there are plenty of interested buyers still out there. http://dlvr.it/T0HY3f /> http://dlvr.it/T0HYVz

Why Now Is Still a Great Time To Sell Your House

If you were worried buyer demand disappeared when mortgage rates went up, the data shows there are plenty of interested buyers still out there. http://dlvr.it/T0HY2K

What You Need To Know About Down Payments [INFOGRAPHIC] If you want to buy a home, you may not need as much for your down payment as you think. There are various loan options for qualified buyers with down payments as low as 3.5% or even no down payment requirement. There are also thousands of programs available to help homebuyers with their down payments. With the right resources, your down payment may be more within reach than you realize. To learn more about your options, let’s connect. #firsttimehomebuyer #opportunity www.DanFreshley.com

December 17, 2023

What You Need To Know About Down Payments [INFOGRAPHIC] If you want to buy a home, you may not need as much for your down payment as you think. There are various loan options for qualified buyers with down payments as low as 3.5% or even no down payment requirement. There are also thousands of programs available to help homebuyers with their down payments. With the right resources, your down payment may be more within reach than you realize. To learn more about your options, let’s connect. #firsttimehomebuyer #opportunity www.DanFreshley.com http://dlvr.it/T0FmQV

What You Need To Know About Down Payments [INFOGRAPHIC] If you want to buy a home, you may not need as much for your down payment as you think. There are various loan options for qualified buyers with down payments as low as 3.5% or even no down payment requirement. There are also thousands of programs available to help homebuyers with their down payments. With the right resources, your down payment may be more within reach than you realize. To learn more about your options, let’s connect. #firsttimehomebuyer #opportunity www.DanFreshley.com

December 17, 2023

What You Need To Know About Down Payments [INFOGRAPHIC]

December 15, 2023

If you want to buy a home, you may not need as much for your down payment as you think. http://dlvr.it/T09hDy

If Your House Hasn’t Sold Yet, It May Be Overpriced

December 14, 2023

Has your house been sitting on the market a while without selling? http://dlvr.it/T07DHP

Are today’s housing market headlines leaving you with more questions than answers? That can be tough when you’re trying to decide if you’re ready to buy or sell a home. To get the answers you need, DM me today for your digital copies of the Winter Buyer and Seller Guides. They're your key to a clearer understanding of today's housing market. #realestateguides www.DanFreshley.com

December 11, 2023

Are today’s housing market headlines leaving you with more questions than answers? That can be tough when you’re trying to decide if you’re ready to buy or sell a home. To get the answers you need, DM me today for your digital copies of the Winter Buyer and Seller Guides. They're your key to a clearer understanding of today's housing market. #realestateguides www.DanFreshley.com http://dlvr.it/T005Qw

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths The Perfect Home Could Be the One You Perfect After Buying: There’s no denying mortgage rates and home prices are higher now than they were last year and that’s impacting what you can afford. http://dlvr.it/Szzj1d

December 11, 2023

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths The Perfect Home Could Be the One You Perfect After Buying: There’s no denying mortgage rates and home prices are higher now than they were last year and that’s impacting what you can afford. http://dlvr.it/Szzj1d /> http://dlvr.it/SzzjGh

The Perfect Home Could Be the One You Perfect After Buying

December 11, 2023

There’s no denying mortgage rates and home prices are higher now than they were last year and that’s impacting what you can afford. http://dlvr.it/Szzj0R

The Winter Buyer and Seller Guides Have Arrived The Winter guides for buying and selling a home have arrived. Let’s connect so you can get the latest copies today. #keepingcurrentmatters www.DanFreshley.com

December 10, 2023

The Winter Buyer and Seller Guides Have Arrived The Winter guides for buying and selling a home have arrived. Let’s connect so you can get the latest copies today. #keepingcurrentmatters www.DanFreshley.com http://dlvr.it/Szxv2N

When You Sell Your House, Where Do You Plan To Go? If you’re thinking about selling your house, you may have heard the supply of homes for sale is still low, and that means your house should stand out to buyers who are craving more options. But you may also be wondering, once you sell, how does the current supply impact your own move? And, will you be able to find a home you want to buy with inventory this low? One thing that can help you find your next home is exploring all your options, including both homes that have been lived in before as well as newly built ones. Let’s look at the benefits of each one. The Pros of Newly Built Homes First, let’s look at the advantages of purchasing a newly constructed home. With a brand-new home, you’ll be able to: 1. Create your perfect home. 2. Cash-in on energy efficiency. 3. Minimize the need for repairs. 4. Have brand new everything. The Pros of... #expertanswers #stayinformed www.DanFreshley.com

December 09, 2023

When You Sell Your House, Where Do You Plan To Go? If you’re thinking about selling your house, you may have heard the supply of homes for sale is still low, and that means your house should stand out to buyers who are craving more options. But you may also be wondering, once you sell, how does the current supply impact your own move? And, will you be able to find a home you want to buy with inventory this low? One thing that can help you find your next home is exploring all your options, including both homes that have been lived in before as well as newly built ones. Let’s look at the benefits of each one. The Pros of Newly Built Homes First, let’s look at the advantages of purchasing a newly constructed home. With a brand-new home, you’ll be able to: 1. Create your perfect home. 2. Cash-in on energy efficiency. 3. Minimize the need for repairs. 4. Have brand new everything. The Pros of... #expertanswers #stayinformed www.DanFreshley.com http://dlvr.it/Szw9nq

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths Why You Need To Use a Real Estate Agent When You Buy a Home: If you’ve recently decided you’re ready to become a homeowner, chances are you’re trying to figure out what to do first. http://dlvr.it/SzqKGD

December 07, 2023

#ForBuyers #FirstTimeHomeBuyers #MoveUpBuyers #BuyingMyths Why You Need To Use a Real Estate Agent When You Buy a Home: If you’ve recently decided you’re ready to become a homeowner, chances are you’re trying to figure out what to do first. http://dlvr.it/SzqKGD /> http://dlvr.it/SzqKkL

Why You Need To Use a Real Estate Agent When You Buy a Home

December 07, 2023

If you’ve recently decided you’re ready to become a homeowner, chances are you’re trying to figure out what to do first. http://dlvr.it/SzqKHs

How To Turn Homeownership into a Side Hustle

December 06, 2023

Does the rising cost of just about everything these days make your dream of owning your own home feel less within reach? http://dlvr.it/SzmnfR

#ForBuyers #ForSellers #HousingMarketUpdates #BuyingMyths Experts Project Home Prices Will Rise over the Next 5 Years: Even with so much data showing home prices are actually rising in most of the country, there are still a lot of people who worry there will be another price crash in the immediate future. http://dlvr.it/SzgmjG

December 05, 2023

ICYMI: #ForBuyers #ForSellers #HousingMarketUpdates #BuyingMyths Experts Project Home Prices Will Rise over the Next 5 Years: Even with so much data showing home prices are actually rising in most of the country, there are still a lot of people who worry there will be another price crash in the immediate future. http://dlvr.it/SzgmjG /> http://dlvr.it/SzkGsM

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Ever wonder why so many homeowners are glad they bought their home? Here are just a few of the reasons. A home provides a sense of comfort and security, it’s customizable, and it helps them feel more connected to their community. If you work with a local real estate agent, you too can experience the many benefits of homeownership. DM me today to get the process started. #homeownership #firsttimehomebuyer www.DanFreshley.com

Ever wonder why so many homeowners are glad they bought their home? Here are just a few of the reasons. A home provides a sense of comfort and security, it’s customizable, and it helps them feel more connected to their community. If you work with a local real estate agent, you too can experience the many benefits of homeownership. DM me today to get the process started. #homeownership #firsttimehomebuyer www.DanFreshley.com http://dlvr.it/Szh9Sw

#ForBuyers #ForSellers #HousingMarketUpdates #BuyingMyths Experts Project Home Prices Will Rise over the Next 5 Years: Even with so much data showing home prices are actually rising in most of the country, there are still a lot of people who worry there will be another price crash in the immediate future. http://dlvr.it/SzgmjG

#ForBuyers #ForSellers #HousingMarketUpdates #BuyingMyths Experts Project Home Prices Will Rise over the Next 5 Years: Even with so much data showing home prices are actually rising in most of the country, there are still a lot of people who worry there will be another price crash in the immediate future. http://dlvr.it/SzgmjG /> http://dlvr.it/Szgmz4

Experts Project Home Prices Will Rise over the Next 5 Years