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Real Estate Market Update
Could Moving a Bit Further Out Change Everything About Your Budget?

Affordability Is a Real Challenge. Here Is How People Are Solving It. Whether you are thinking about buying your first home or wondering whether it is time to move on from the one you are in, affordability is probably weighing on your mind. Home prices are still elevated in many markets, and even though conditions have improved over the past year, making the numbers work can still feel like a stretch. But the people who are successfully moving right now tend to have one thing in common. They did not wait for affordability to come to them. They went looking

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Mortgage and Financial
What Rising Inflation Means for Your Move

What Rising Inflation Means for Your Move Inflation is moving in the wrong direction. You’ve probably felt it at the gas pump, the grocery store, and just about everywhere else. And if you’ve got a move on your mind, you’re right to wonder what it means for the housing market. Here’s the full picture, grounded in the actual data, so you can make decisions based on facts rather than fear. Inflation Is Up. Here Is What That Actually Means. The government tracks inflation in several ways. One of the most closely watched is the PCE, or Personal Consumption Expenditures Price

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Mortgage and Financial
The Mid-Year Housing Market Update: Why Forecasts Changed in 2026

The Mid-Year Housing Market Reality Check There’s never been a better time to make a move, and the data actually backs that up, even if the headlines don’t make it feel that way. Homes are still selling. Prices are still rising. And buyers who are ready to act are finding opportunities that didn’t exist a year ago. The market is open. But to navigate it well, you need an honest picture of where things stand, so let’s get into it. The 2026 Forecast Got Revised. Here’s What Changed. 2026 hasn’t played out the way anyone expected. At the end of

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Less House, More Home: Why Smaller Homes Are Paying Off for Today’s Buyers
Home Buying
Marc Francois

Less House, More Home: Why Smaller Homes Are Paying Off for Today’s Buyers

Less House, More Home: Why Smaller Homes Are Paying Off for Today’s Buyers You had a picture in your head of what your future home would look like. Then you started searching in your budget and the square footage came in smaller than you imagined. That is a frustrating moment, and it is happening to a lot of buyers right now. But here is what most people do not realize until they dig deeper: going smaller in today’s market is not necessarily a compromise. For a growing number of buyers, it is actually the smarter play. Let’s look at why,

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The Real Reason Some People Are Still Moving Right Now
Home Buying
Marc Francois

The Real Reason Some People Are Still Moving Right Now

The Real Reason Some People Are Still Moving Right Now You have probably told yourself you are going to wait. Maybe you are hoping rates come down, prices soften, or the market just feels a little less uncertain. And honestly, a lot of people feel exactly that way right now. But here is what buyers who are actually moving have figured out. Waiting rarely fixes the thing that made you want to move in the first place. Your family has outgrown your current home. Your empty nest feels too quiet. Your parents need you closer. You just got married, or

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The Truth About Affordability Today
Mortgage and Financial
Marc Francois

The Truth About Affordability Today

The Truth About Home Affordability Today If you’ve been watching mortgage rates climb and wondering whether buying a home is still realistic, you’re asking exactly the right question. And you deserve a straight answer, not a headline designed to make you panic or a sales pitch designed to make you act before you’re ready. Here’s the full picture. The good, the challenging, and what it actually means for your move. Affordability Is More Than Just the Mortgage Rate Rates get all the attention. But affordability is a three-legged stool: mortgage rates, home prices, and your income. Right now, two of

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What Most Veterans Don’t Know About Their VA Home Loan Benefit
Mortgage and Financial
Marc Francois

What Most Veterans Don’t Know About Their VA Home Loan Benefit

What Most Veterans Don’t Know About Their VA Home Loan Benefit You served. You earned this benefit. And there is a real chance it could get you into a home sooner than you think, even in today’s market. According to a recent survey from NewDay USA, nearly half of Veterans, 49%, feel that homeownership is currently out of reach. But the data tells a different story. Most of those Veterans are closer than they realize. The problem is not eligibility. The problem is misinformation. Three specific misconceptions keep Veterans from using a benefit they have already earned, and clearing them

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Newly Built Home Prices Hit a 5-Year Low
Home Buying
Marc Francois

Newly Built Home Prices Hit a 5-Year Low

Newly Built Home Prices Hit a 5-Year Low. Here Is What That Means for Buyers Right Now. If you have been assuming a brand-new home is simply out of your budget, it is time to run those numbers again. Something meaningful has shifted in the new construction market, and buyers who have not looked recently may be surprised by what they find. New Home Prices Are the Lowest They Have Been Since 2021 According to the latest data from the U.S. Census Bureau, the median sale price of a newly built home has dropped to approximately $390,000, the lowest it

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Record High Mortgage Debt Sounds Scary. Here’s What the Headlines Leave Out.
Mortgage and Financial
Marc Francois

Record High Mortgage Debt Sounds Scary. Here’s What the Headlines Leave Out.

Record High Mortgage Debt Sounds Scary. Here’s What the Headlines Leave Out. You may have seen the headlines about U.S. mortgage debt hitting an all-time high and felt a familiar sense of unease. Maybe someone brought it up as evidence that a housing crash is coming. The headline number is real. But it is only half the story, and the half that is missing changes everything. Yes, Mortgage Debt Is at a Record High. Here Is the Context That Matters. According to Federal Reserve data, total mortgage debt in the United States currently sits at approximately $14.4 trillion. That is

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Are Home Prices Going To Fall?
Home Buying
Marc Francois

Are Home Prices Going To Fall?

Good. I can see every link clearly. The only non-KCM external link in this original is: S&P Global Case-Shiller Home Price Index for the historical home price data going back to the 1950s That is the one link I included in my earlier rewrite. Checking my previous version confirms I did include it correctly. However, fetching the live post confirms the current version on your site is still the original KCM version, not our rewrite. So this post still needs to be updated in WordPress. Here is the complete correct rewrite with that link properly included, ready to paste directly

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The Pricing Mistake That Could Cost You Your Sale
Home Selling
Marc Francois

The Pricing Mistake That Could Cost You Your Sale

The Pricing Mistake That Could Cost You Your Sale Every seller wants top dollar. That is completely reasonable. But the strategy most sellers use to try to get it, pricing high and negotiating down, is the exact approach most likely to leave money on the table. Here is why, and what actually works instead. Most Sellers Expect More Than the Market Will Give Them A survey from Realtor.com shows about 80% of sellers today expect to sell at or above their asking price. The reality is that only about 40% actually do according to ResiClub Analytics. That is a significant

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What the Foreclosure Headlines Aren’t Telling You
Home Buying
Marc Francois

What the Foreclosure Headlines Aren’t Telling You

What the Foreclosure Headlines Aren’t Telling You When you see a headline saying foreclosures are rising, it is natural for your mind to jump to 2008. That crash left a mark on an entire generation of homeowners and buyers, and nobody wants to see it happen again. But here is what those headlines are leaving out: context. And without context, a rising number looks alarming even when the reality is far more stable than the story being told. Foreclosures Are Rising. But Rising From Where? Yes, foreclosure filings are up 26% year over year according to the ATTOM Q1 and

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Why Staging Your House Could Pay Off This Spring
Home Selling
Marc Francois

Why Staging Your House Could Pay Off This Spring

Why Staging Your House Could Pay Off This Spring If you are getting ready to sell, you have probably heard the word “staging” thrown around. But what does it actually involve, what does it cost, and is it worth the effort in today’s market? The short answer is yes, especially right now, and the data backs it up. Why Staging Matters More in a Market with More Competition More homes are for sale right now than in recent years. Buyers have options, and when buyers have options they become selective. They are comparing photos, layouts, finishes, and first impressions before

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Could Co-Buying Be the Answer for Some First-Time Buyers?
Home Buying
Marc Francois

Could Co-Buying Be the Answer for Some First-Time Buyers?

Could Co-Buying Be the Answer for Some First-Time Buyers? Homeownership is still one of the top life goals for younger buyers. The desire is absolutely there. The problem for a growing number of people is that the math keeps getting in the way. But some first-time buyers are finding a creative path around that obstacle, and it is worth understanding whether it could work for you too. The Dream Is Alive. The Affordability Gap Is Real. According to FirstHome IQ’s NextGen Homebuyer Report, homeownership still ranks among the top life goals for the next generation. But 73% of Gen Z

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The Secret To Selling Fast, No Matter the Market
Home Selling
Marc Francois

The Secret To Selling Fast, No Matter the Market

The Secret To Selling Fast, No Matter the Market Every seller wants their home sold quickly. But nationally, it is taking a bit longer than it did a few years ago, and that reality is making some sellers anxious. Here is what most people miss: in every market right now, well-priced and well-presented homes are still selling fast. The secret is not luck or timing. It is strategy. How Long It Actually Takes To Sell Right Now According to Realtor.com, homes are currently selling in about 52 days from listing to closing. That timeline feels slow to sellers who remember

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4 Ways To Give Your Offer an Edge This Spring
Home Buying
Marc Francois

4 Ways To Give Your Offer an Edge This Spring

4 Ways To Give Your Offer an Edge This Spring Buyers have more leverage today than they have had in years. More homes to choose from, more time to decide, and sellers who are generally more open to negotiation. But leverage does not mean competition has disappeared entirely. In the most desirable neighborhoods and in the most sought-after price ranges, multiple offer situations still happen. Here is how to make sure yours wins when it matters. Why Strong Offers Still Matter Even in a Balanced Market Spring brings more buyers into the market as families try to move before the

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Is Late May the Best Time To List Your House?
Home Selling
Marc Francois

Is Late May the Best Time To List Your House?

Is the Spring Selling Window Still Open? Here Is What the Data Actually Says. You may have seen reports declaring that a specific week in April was the single best time to list your home this year. And if that week has passed, you might be wondering whether you missed your chance. Here is the reassuring truth: you did not. The data tells a more nuanced and more useful story than any single best week headline. There Is No One Magic Week. There Is a Window, and You Are Still In It. Every year, multiple organizations publish research on the

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Stay or Sell? How To Make the Right Call as You Age
Home Selling
Marc Francois

Stay or Sell? How To Make the Right Call as You Age

Stay or Sell? How To Make the Right Call as You Age At some point, the question comes up. Sometimes it arrives quietly, in a moment on the stairs or after a long weekend of yard work. Sometimes it surfaces during a conversation about what the next chapter of life is supposed to look like. Either way, it is worth thinking through carefully, because the right answer is deeply personal and the cost of getting it wrong in either direction is real. The good news is that both paths, staying and selling, can lead to a great outcome. What matters

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3 Things That Are Not Going To Happen in Today’s Housing Market
Mortgage and Financial
Marc Francois

3 Things That Are Not Going To Happen in Today’s Housing Market

3 Things That Are Not Going To Happen in Today’s Housing Market There is a lot of noise right now. Economic uncertainty, global headlines, and a steady stream of social media predictions are making some buyers and sellers second-guess decisions they were ready to make just weeks ago. But a lot of what is circulating is based on fear, not facts. Let’s clear up three of the most persistent misconceptions holding people back right now. The Market Is Uncertain. That Does Not Mean the Headlines Are Accurate. A recent CNBC study asked homebuyers what concerns them most right now. Three

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More Options Are Popping Up This Spring
Home Buying
Marc Francois

More Options Are Popping Up This Spring

More Options Are Popping Up This Spring. Here Is What That Means for Buyers. If you put your home search on hold last year because you could not find anything that fit, or because the homes you liked were not affordable, this spring deserves a fresh look. Something has shifted in the inventory picture, and buyers who have not checked the market recently may be surprised by what is out there now. The Number of New Listings Has Nearly Doubled Since Late Winter Data from Realtor.com shows there are nearly twice as many new listings hitting the market today compared

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The 10 Best Markets for First-Time Buyers This Spring
Home Buying
Marc Francois

The 10 Best Markets for First-Time Buyers This Spring

The 10 Best Markets for First-Time Buyers This Spring. And What It Means Even If Your City Is Not on the List. For years, first-time buyers have been running the numbers and coming up short. Not because they were doing anything wrong, but because the combination of high prices, elevated rates, and limited inventory made ownership feel genuinely out of reach. This spring, something is shifting. And for buyers who have been waiting for their moment, the data suggests it may be arriving. The Door Is Starting to Open Again for First-Time Buyers Zillow recently released a ranking of the

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Home Buying
Marc Francois

Rent or Buy? The Real Tradeoff Most People Don’t Talk About

Rent or Buy? The Real Tradeoff Most People Don’t Talk About With home prices and mortgage rates where they are right now, renting can feel like the safe, sensible choice. And for some people in some situations, it genuinely is. But there is one part of this conversation that almost never gets the attention it deserves: what each choice does to your financial future over time. And that difference is larger than most people realize. Renting Has Real Advantages, and Real Costs Renting offers lower upfront costs, less maintenance responsibility, and more flexibility to move when your life changes. Those

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Home Buying
Marc Francois

Getting a Tax Refund? Here’s How It Can Help You Buy a Home

Getting a Tax Refund? Here Is Exactly How To Put It Toward a Home. If a tax refund is coming your way this year, it represents one of the most practical opportunities to accelerate your path to homeownership. Most people deposit a refund and watch it slowly disappear into everyday expenses. Buyers who are strategic about it use it as a launching pad. Here is how. Refunds Are Running Higher This Year Good news before we get into strategy: IRS filing season statistics show the average individual tax refund is running approximately 11.1% higher this year than last year. Your

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Home Buying
Marc Francois

Wondering If You Should Still Buy a Home Right Now? Here’s What To Keep in Mind.

Wondering If You Should Still Buy a Home Right Now? Here Is What To Keep in Mind. With everything happening in the economy, rates moving around, and global uncertainty showing up in the headlines every day, it is completely reasonable to pause and ask whether buying a home right now is still the right call. Here is the honest answer: for buyers who are ready and have the right strategy, the answer is still yes. Here is why. The Market Has Shifted. Your Window Has Not Closed. Mortgage rates have moved up from where they were earlier this year. After

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