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Remote Work Is Changing How Some Buyers Search for Their Dream Homes

September 20, 2023 By Tami Savage

Remote Work Is Changing How Some Buyers Search for Their Dream Homes

The way Americans work has changed in recent years, and remote work is at the forefront of this shift. Experts say it’ll continue to be popular for years to come and project that 36.2 million Americans will be working remotely by 2025. To give you some perspective, that's a 417% increase compared to the pre-pandemic years when there were just 7 million remote workers.

If you’re in the market to buy a home and you work remotely either full or part-time, this trend is a game-changer. It can help you overcome some of today’s affordability and housing inventory challenges.

How Remote Work Helps with Affordability

Remote or hybrid work allows you to change how you approach your home search. Since you’re no longer commuting every day, you may not feel it’s as essential to live near your office. If you’re willing to move a bit further out in the suburbs instead of the city, you could open up your pool of affordable options. In a recent study, Fannie Mae explains:

“Home affordability may also be a reason why we saw an increase in remote workers’ willingness to relocate or live farther away from their workplace . . .”

If you're thinking about moving, having this kind of location flexibility can boost your chances of finding a home that fits your budget. Work with your agent to cast a wider net that includes additional areas with a lower cost of living.

More Work Flexibility Means More Home Options

And as you broaden your search to include more affordable options, you may also find you have the chance to get more features for your money too. Given the low supply of homes for sale, finding a home that fits all your wants and needs can be challenging.

By opening up your search, you’ll give yourself a bigger pool of options to choose from, and that makes it easier to find a home that truly fits your lifestyle. This could include homes with more square footage, diverse home styles, and a wider range of neighborhood amenities that were previously out of reach.

Historically, living close to work was a sought-after perk, often coming with a hefty price tag. But now, the dynamics have changed. If you work from home, you have the freedom to choose where you want to live without the burden of long daily commutes. This shift allows you to focus more on finding a home that is affordable and delivers on your dream home features.

Bottom Line

Remote work goes beyond job flexibility. It's a chance to broaden your horizons in your home search. Without being bound to a fixed location, you have the freedom to explore all of your options. Let’s connect to find out how this freedom can lead you to your ideal home.

Tagged With: Buying Myths, First Time Home Buyers, For Buyers

Your Home Equity Can Offset Affordability Challenges

September 19, 2023 By Tami Savage

Your Home Equity Can Offset Affordability Challenges

Are you thinking about selling your house? If so, today’s mortgage rates may be making you wonder if that’s the right decision. Some homeowners are reluctant to sell and take on a higher mortgage rate on their next home. If you’re worried about this too, know that even though rates are high right now, so is home equity. Here’s what you need to know.

Bankrate explains exactly what equity is and how it grows:

“Home equity is the portion of your home that you’ve paid off and own outright. It’s the difference between what the home is worth and how much is still owed on your mortgage. As your home’s value increases over the long term and you pay down the principal on the mortgage, your equity stake grows.”

In other words, equity is how much your home is worth now, minus what you still owe on your home loan.

How Much Equity Do Homeowners Have Now?

Recently, your equity has been growing faster than you might think. To help contextualize just how much the average homeowner has, CoreLogic says:

“. . . the average U.S. homeowner now has about $290,000 in equity.”

That’s because, over the past few years, home prices went up significantly – and those rising prices helped your equity to accumulate faster than usual. While the market has started to normalize, there are still more people wanting to buy homes than there are homes available for sale. This high demand is causing home prices to go up again.

According to the Federal Housing Finance Agency (FHFA), the Census, and ATTOM, a property data provider, nearly two-thirds (68.7%) of homeowners have either fully paid off their mortgages or have at least 50% equity (see chart below):

American Sitting on Tremendous Equity

That means nearly 70% of homeowners have a tremendous amount of equity right now.

How Equity Helps with Your Affordability Concerns

With today’s affordability challenges, your equity can make a big difference when you decide to move. After you sell your house, you can use the equity you've built up in your home to help you buy your next one. Here’s how:

  • Be an all-cash buyer: If you've been living in your current home for a long time, you might have enough equity to buy a new house without having to take out a loan. If that's the case, you won't need to borrow any money or worry about mortgage rates. The National Association of Realtors (NAR) states:

“These all-cash home buyers are happily avoiding the higher mortgage interest rates . . .”

  • Make a larger down payment: Your equity could be used toward your next down payment. It might even be enough to let you put a larger amount down, so you won't have to borrow as much money so today’s rates become less of a sticking point. Experian explains:

“Increasing your down payment lowers your principal loan amount and, consequently, your loan-to-value ratio, which could lead to a lower interest rate offer from your lender.”

Bottom Line

If you're thinking about moving, the equity you've built up can make a big difference, especially today. To find out how much equity you've got in your current house and how you can use it for your next home, let’s connect.

Tagged With: For Sellers, Housing Market Updates, Interest Rates, Selling Myths

Are More Homes Coming onto the Market?

September 18, 2023 By Tami Savage

Are More Homes Coming onto the Market?

An important factor shaping today’s market is the number of homes for sale. And, if you’re considering whether or not to list your house, that’s one of the biggest advantages you have right now. When housing inventory is this low, your house will stand out, especially if it’s priced right.

But there are some early signs that more listings are coming. According to the latest data, new listings (homeowners who just put their house up for sale) are trending up. Here’s a look at why this is noteworthy and what it may mean for you.

More Homes Are Coming onto the Market than Usual

It’s well known that the busiest time in the housing market each year is the spring buying season. That’s why there’s a predictable increase in the volume of newly listed homes throughout the first half of the year. Sellers are anticipating this and ramping up for the months when buyers are most active. But, as the school year kicks off and as the holidays approach, the market cools. It’s what’s expected.

But here’s what’s surprising. Based on the latest data from Realtor.com, there’s an increase in the number of sellers listing their houses later this year than usual. A peak this late in the year isn’t typical. You can see both the normal seasonal trend and the unusual August in the graph below:

New Listings Tick Up

As Realtor.com explains:

“While inventory continues to be in short supply, August witnessed an unusual uptick in newly listed homes compared to July, hopefully signaling a return in seller activity heading toward the fall season . . .”

While this is only one month of data, it’s unusual enough to note. It’s still too early to say for sure if this trend will continue, but it’s something you’ll want to stay ahead of if it does.

What This Means for You

If you’ve been putting off selling your house, now may be the sweet spot to make your move. That’s because, if this trend continues, you’ll have more competition the longer you wait. And if your neighbor puts their house up for sale too, it means you may have to share buyers’ attention with that other homeowner. If you sell now, you can beat your neighbors to the punch.

But, even with more homes coming onto the market, the market is still well below normal supply levels. And, that inventory deficit isn’t going to be reversed overnight. The graph below helps put this into context, so you can see the opportunity you still have now:

New Listings Count in August Each Year

Bottom Line

Even though inventory is still low, you don’t want to wait for more competition to pop up in your neighborhood. You still have an incredible opportunity if you sell your house today. Let’s connect to explore the benefits of selling now before more homes come to the market.

Tagged With: For Sellers, Housing Market Updates, Selling Myths

Plenty of Buyers Are Still Active Today [INFOGRAPHIC]

September 15, 2023 By Tami Savage

Plenty of Buyers Are Still Active Today [INFOGRAPHIC]

Some Highlights

  • Holding off on selling your house because you believe there aren’t any buyers out there?
  • Data shows buyers are still active, even with higher mortgage rates. This goes to show, people still want to buy homes, and those who can are moving now.
  • Don’t delay your plan to sell for fear no one is buying. The opposite is true and buyer traffic is still strong today. Let’s connect to get your house in front of these buyers.

Tagged With: For Sellers, Housing Market Updates, Infographics, Selling Myths

Why Is Housing Inventory So Low?

September 14, 2023 By Tami Savage

Why Is Housing Inventory So Low?

One question that’s top of mind if you’re thinking about making a move today is: Why is it so hard to find a house to buy? And while it may be tempting to wait it out until you have more options, that’s probably not the best strategy. Here’s why.

There aren’t enough homes available for sale, but that shortage isn’t just a today problem. It’s been a challenge for years. Let’s take a look at some of the long-term and short-term factors that have contributed to this limited supply.

Underbuilding Is a Long-Standing Problem

One of the big reasons inventory is low is because builders haven’t been building enough homes in recent years. The graph below shows new construction for single-family homes over the past five decades, including the long-term average for housing units completed:

Single-Family Housing Units Completed

For 14 straight years, builders didn’t construct enough homes to meet the historical average (shown in red). That underbuilding created a significant inventory deficit. And while new home construction is back on track and meeting the historical average right now, the long-term inventory problem isn’t going to be solved overnight. 

Today’s Mortgage Rates Create a Lock-In Effect

There are also a few factors at play in today’s market adding to the inventory challenge. The first is the mortgage rate lock-in effect. Basically, some homeowners are reluctant to sell because of where mortgage rates are right now. They don’t want to move and take on a rate that’s higher than the one they have on their current home. The chart below helps illustrate just how many homeowners may find themselves in this situation:

70.7% of Mortgage Rates Less than 4%

Those homeowners need to remember their needs may matter just as much as the financial aspects of their move.

Misinformation in the Media Is Creating Unnecessary Fear

Another thing that’s limiting inventory right now is the fear that’s been created by the media. You’ve likely seen the negative headlines calling for a housing crash, or the ones saying home prices would fall by 20%. While neither of those things happened, the stories may have dinged your confidence enough for you to think it’s better to hold off and wait for things to calm down. As Jason Lewris, Co-Founder and Chief Data Officer at Parcl, says:

“In the absence of trustworthy, up-to-date information, real estate decisions are increasingly being driven by fear, uncertainty, and doubt.”

That’s further limiting inventory because people who would make a move otherwise now feel hesitant to do so. But the market isn’t doom and gloom, even if the headlines are. An agent can help you separate fact from fiction. 

How This Impacts You

If you’re wondering how today’s low inventory affects you, it depends on if you’re selling or buying a home, or both.

  • For buyers: A limited number of homes for sale means you’ll want to seriously consider all of your options, including various areas and housing types. A skilled professional will help you explore all of what’s available and find the home that best fits your needs. They can even coach you through casting a broader net if you need to expand your search.
  • For sellers: Today’s low inventory actually offers incredible benefits because your house will stand out. A real estate agent can walk you through why it’s especially worthwhile to sell with these conditions. And since many sellers are also buyers, that agent is also an essential resource to help you stay up to date on the latest homes available for sale in your area so you can find your next dream home. 

Bottom Line

The low supply of homes for sale isn’t a new challenge. There are a number of long-term and short-term factors leading to the current inventory deficit. If you’re looking to make a move, let’s connect. That way you’ll have an expert on your side to explain how this impacts you and what’s happening with housing inventory in our area.

Tagged With: For Buyers, For Sellers, Housing Market Updates, Interest Rates, New Construction

Should Baby Boomers Buy or Rent After Selling Their Houses?

September 13, 2023 By Tami Savage

Should Baby Boomers Buy or Rent After Selling Their Houses?

Are you a baby boomer who’s lived in your current house for a long time and you’re ready for a change? If you’re thinking about selling your house, you have a lot to consider. Will you move to a different state or stay nearby? Is it time to downsize or do you want more space to accommodate your loved ones? But maybe the biggest consideration boils down to this – will you buy your next home or choose to rent instead?

That decision ultimately depends on your current situation and your future plans. Here are two important factors to help you decide what’s right for you.

Expect Rents to Keep Going Up

The graph below uses data from the Census to show how rents have been climbing steadily since 1988:

Median Asking Rent Since 1988

Rents have been going up consistently over the long run. If you choose to rent, there’s a risk your rental payment will go up each time you renew your lease. Having a higher rental expense may not be something you want to deal with every year.

When you buy a home with a fixed-rate mortgage, it helps stabilize your monthly housing payment. This allows you to lock in your monthly payment for the duration of your home loan. That keeps your payments steady and predictable for the long haul. Freddie Mac sums it up like this:

“. . . homeowners with fixed-rate loans will see little to no change to their monthly housing cost over the life of their loan. You can be confident in knowing that your mortgage payments won’t change much in the long term, even when life’s other costs do.”

Owning Your Home Comes with Unique Benefits

According to AARP, buying your next home is a better long-term strategy than renting:

“Though each option has pros and cons, buying provides more pros, with a broader range of benefits.”

To help you choose what you’ll do after you sell, here are just a few of the benefits of homeownership that article covers:

  • Owning your home can help you save money for the future. Your home, and the equity you build as a homeowner, can provide generational wealth that could be passed on to loved ones, giving them a better life.
  • You might not have to pay a monthly mortgage payment at all. If you have enough equity to buy your next home outright, you wouldn’t have a monthly mortgage payment. While you might still need to cover property taxes or maintenance fees, not having to worry about a monthly mortgage payment could be a big relief.
  • Aging in place can be simpler. If your needs change, owning your home gives you the freedom to make renovations and updates that can make everyday life easier.

Bottom Line

If you're a baby boomer who’s wondering whether you should buy or rent your next home, let’s connect. With rents going up and homeownership providing so many benefits, it may make sense to consider buying your next home.

Tagged With: Baby Boomers, Buying Myths, Demographics, For Buyers, Rent vs Buy

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Baby Boomers Buying Myths Community Demographics Distressed Properties Downloadable Down Payments First Time Home Buyers Forbearances For Buyers Foreclosures For Sale By Owners For Sellers FSBOs Garden Generation X Generation Z Gen X Gen Z Holidays Home Household Management Housing Market Updates Infographics Interest Rates Interview Investors Lifestyle Luxury Market Millennials Move-Up Buyers moving New Construction Pricing relocation Remodel Rent vs Buy Report Reviews Selling Myths Senior Market Short Sales Tax Refund Veterans Video

Free eGuide. Things to Consider When Selling Your House. Send me this eGuide.

Free eGuide. Things to Consider When Buying a Home. Send me this eGuide.

Tags

Baby Boomers Buying Myths Community Demographics Distressed Properties Downloadable Down Payments First Time Home Buyers Forbearances For Buyers Foreclosures For Sale By Owners For Sellers FSBOs Garden Generation X Generation Z Gen X Gen Z Holidays Home Household Management Housing Market Updates Infographics Interest Rates Interview Investors Lifestyle Luxury Market Millennials Move-Up Buyers moving New Construction Pricing relocation Remodel Rent vs Buy Report Reviews Selling Myths Senior Market Short Sales Tax Refund Veterans Video

Designations & Certifications

💼 𝐑𝐞𝐦𝐨𝐭𝐞 𝐖𝐨𝐫𝐤 = 𝐌𝐨𝐫𝐞 𝐇𝐨𝐦𝐞 𝐎𝐩𝐭𝐢𝐨𝐧𝐬! 🏡 𝐋𝐞𝐭'𝐬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐭𝐡𝐞 𝐃𝐨𝐭𝐬!

Remote work isn't just about Zoom calls in PJs. It's an opportunity to change your entire home search game!

💡 𝐅𝐥𝐞𝐱𝐢𝐛𝐢𝐥𝐢𝐭𝐲 = 𝐌𝐨𝐫𝐞 𝐎𝐩𝐭𝐢𝐨𝐧𝐬
Think bigger yards, extra rooms, and maybe even a lower cost of living! 🎉

Curious? Call, text, or email me, and let's talk! 📲

👉 Blog Link for all the ins and outs: https://tamisavage.com/remote-work-is-changing-how-some-buyers-search-for-their-dream-homes/

#RemoteWork  #HomeBuying #DreamHome #LocationFlexibility #WorkFromHome #HomeSearch #PropertyHunt #RealEstateMarket #ModernWork #NewNormal #LifestyleUpgrade #realestatenews #realestateexpert #realestateadvice #realestateblog #TamiSavageRealtor #realestate #realtor #realestateagent #cummingga #miltonga #cantonga #alpharettaga #ballgroundga
🏡 Wondering if Now’s the Right Time to Sell? 🏡 Wondering if Now’s the Right Time to Sell? Your Home Equity Might Just Be Your Ace! 🏡

Equity = Your Home's Value - What You Owe. 🤑 And here's the kicker—nearly 70% of homeowners are sitting pretty with significant equity. So if you've been holding off selling due to mortgage rates, this could be your game-changer!

📲 Got questions about your home equity? Don’t hesitate to call, text, or email me anytime!

👉 Want the full scoop? Check out my latest article on how your home equity can offset affordability challenges: https://tamisavage.com/your-home-equity-can-offset-affordability-challenges/
Regardless of rising mortgage rates, the desire fo Regardless of rising mortgage rates, the desire for dream homes remains strong! 🏡 Buyers are actively searching, eager to find their perfect match. ⁠
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If you've been waiting in the wings, it might just be your time to shine.  No need to hit pause for fear of silent echoes. The marketplace is humming and ready for your listing!⁠
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Ready to spotlight your home? Let’s get you connected with eager buyers!⁠
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https://tamisavage.com/plenty-of-buyers-are-still-active-today-infographic/
Puzzling over why finding the right house seems so Puzzling over why finding the right house seems so challenging lately?⁠
⁠
1️⃣ 𝐓𝐡𝐞 𝐁𝐮𝐢𝐥𝐝𝐞𝐫'𝐬 𝐁𝐚𝐜𝐤𝐥𝐨𝐠: We've seen fewer homes built in recent years. And while builders are stepping up the pace, bridging the home gap is taking time. 🏗️⁠
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2️⃣ 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐚𝐭𝐞 𝐌𝐚𝐠𝐧𝐞𝐭: Many homeowners are glued to their spots, not wanting to let go of their attractive mortgage rates. 💎⁠
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3️⃣ 𝐌𝐞𝐝𝐢𝐚 𝐇𝐲𝐩𝐞: Sometimes, the media's spin can create unnecessary housing apprehensions. Always good to double-check and get the real story!⁠
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So, whether you're aiming to buy, sell, or both, understanding today's housing scene is crucial. 🗝️⁠
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Eager to dive deeper? Contact me for a personalized look at the housing inventory in our area, and let's navigate the maze together! ⁠
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For a more detailed breakdown: https://tamisavage.com/why-is-housing-inventory-so-low/
Has your trusty home started feeling a tad too... Has your trusty home started feeling a tad too... familiar? If you're toying with the idea of a change, you're in good company!⁠
⁠
𝐇𝐞𝐫𝐞'𝐬 𝐭𝐡𝐞 𝐦𝐢𝐥𝐥𝐢𝐨𝐧-𝐝𝐨𝐥𝐥𝐚𝐫 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧: To buy or to rent next?⁠
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🔍 Consider the following:⁠
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1️⃣ Rent Rise Alert! Historically, rents have been climbing. Yearly hikes? That could put a dent in your retirement fund! Freddie Mac puts it beautifully: With fixed-rate loans, you're locking in a predictable monthly expense, even when life throws those sneaky financial curveballs.⁠
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2️⃣ Home Sweet Owned Home! AARP highlights a key truth: Owning a home often outweighs renting. Think stability, investment growth, and truly owning your space.⁠
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Baby boomers, if you're on the fence, reach out! 💬 Let's discuss what makes sense for your golden years and unlock the best path for your next home adventure. 🏡⁠
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https://tamisavage.com/should-baby-boomers-buy-or-rent-after-selling-their-houses/
Have you ever wondered how tomorrow's home prices Have you ever wondered how tomorrow's home prices might shape your investment today?⁠
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Amidst a sea of mixed news, here's a ray of sunshine: home prices are rising, better than many expected. And guess what? They're forecasted to keep shining bright!⁠
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A recent survey by Pulsenomics got the scoop from over 100 experts – economists, strategists, and analysts. The consensus? Nationwide home prices are likely to continue their upward trajectory in the coming years, returning to a more steady growth.⁠
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So, what's the golden nugget for you? 🌟 Once you invest in a home, as its value appreciates, so does your wealth! Think of it as planting a tree that grows money leaves over time. 🌳💰⁠
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Considering taking the homebuying leap? Here's the nudge you might need: Today's investment can pave the way for a bright financial future, with your home's value (and your net worth) blossoming. Ready to explore? 💌 Contact me, and let's embark on your homebuying journey! 🚀 ⁠
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https://tamisavage.com/what-experts-project-for-home-prices-over-the-next-5-years/
Retiring is like unlocking a new level in the game Retiring is like unlocking a new level in the game of life. 🗝️ As you step into this adventurous chapter, you might wonder, "Is my current home in sync with the life I envision now?"⁠
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🕰️ Quick flashback: Between 1985-2009, most folks stayed in their homes for about six years. But here's an interesting twist: Post-2010, according to our pals at the National Association of Realtors (NAR), this shot up to over nine years!⁠
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If you've been cozying up in your home for a while now, not only have you created cherished memories, but you might also be sitting on a treasure trove of equity. Yup, every mortgage payment and every market surge could mean more value for your home.⁠
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Are you curious about tapping into that equity for your dream retirement home? Let's chat! Contact me, and let’s dive deep into what your home has achieved for you over the years. ⁠
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Here's to new beginnings and perfect homes! 🏡⁠
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https://tamisavage.com/planning-to-retire-your-equity-can-help-you-make-a-move/
🏡 Remember those forecasts last year about home 🏡 Remember those forecasts last year about home prices possibly taking a dip in 2023? Turns out, with the ebb and flow of our market and tight inventory, things stayed steady. It's always fascinating to see how predictions pan out in real-time. Whether you're thinking of buying or selling, let's chat to ensure you're informed about local home values. Knowledge is power! 💬⁠
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https://tamisavage.com/home-price-forecasts-revised-for-2023-infographic/
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The Summer Guides for Buying and Selling a Home are Here.

To get the latest digital copy, go to https://tamisavage.com/the-spring-guides-for-buying-and-selling-a-home-are-here/
The Spring Guides for Buying and Selling a Home Are Here
How you price your house will make a big difference to not only your bottom line, but to how quickly it could sell. Let’s connect to figure out the ideal price for your house.
Price Your House Right When You Sell
Getting pre-approved is an important first step toward buying a home. Let’s connect so you have the right tools to buy a home in today’s market.

Data Source:
 • https://www.forbes.com/advisor/mortgages/what-it-takes-to-be-preapproved-for-a-mortgage-and-why-it-matters/
The Importance of Pre-Approval
There are many reasons why it’s easy to fall in love with homeownership. If you’re ready to find the home of your dreams, let’s connect.
Why It's Easy To Fall in Love with Homeownership
You can have the home you want without waiting for the perfect home to come onto the market.

SOURCE for Data in Video: 
 • https://themreport.com/news/data/08-29-2022/homebuyers-compromise
Create Your Perfect Home by Perfecting It After You Purchase
Before buying a home, it’s a good idea to know why homeownership is important to you. Let’s connect to discuss your why and prioritize your next steps.

SOURCE for Data in Video: 
 • https://himaxwell.com/resources/ebooks-white-papers/1h-2022-millennial-genz-borrower-sentiment-report/#downloadnow
Top Reasons Why You May Want To Buy a Home
There’s a lot going on in the housing market right now. 

You can get the latest digital copy from my website post: https://tamisavage.com/the-winter-guides-for-buying-or-selling-a-home-are-here/
The Winter Guides for Buying or Selling a Home Are Here
There’s good reason to make your move right now if you’re ready to sell. Let’s connect to talk about the benefits of selling your house this season.
5 Reasons To Sell Your House This Winter
Rents have risen dramatically for over three decades. Let’s connect so you can have expert advice on your side to help you reach your homeownership goals.

Data Source: 
 • http://www.census.gov/housing/hvs/files/currenthvspress.pdf
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DISCLAIMER: The information contained, and the opinions expressed, on this site are NOT intended to be construed as legal or financial advice. Tami Savage does NOT guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as legal or financial advice. You should ALWAYS conduct your own research and due diligence and obtain professional advice before making any legal or financial decisions. Tami Savage will NOT be liable for any loss or damage caused by your reliance on the information or opinions contained herein.