{"id":10766,"date":"2026-05-09T11:22:11","date_gmt":"2026-05-09T11:22:11","guid":{"rendered":"https:\/\/demo1.xpertixe.com\/index.php\/agent\/bridgettemuril\/"},"modified":"2026-05-09T12:47:30","modified_gmt":"2026-05-09T12:47:30","slug":"bridgettemuril","status":"publish","type":"agent","link":"https:\/\/demo1.xpertixe.com\/index.php\/agent\/bridgettemuril\/","title":{"rendered":"bridgettemuril"},"content":{"rendered":"

The Debate Over Bungalow<\/strong><\/p>\n

Every few years the housing market rewrites the rules, and buyers who learned the last set of rules show up unprepared for the new ones. Right now, the rules have changed more than they have at any point in a generation. The buyers who understand that are finding deals. The ones who do not are making expensive mistakes.<\/p>\n

The arithmetic here is brutal and worth understanding clearly. A buyer who financed a $400,000 home at three percent in 2021 pays roughly $1,686 per month on principal and interest. That same loan at a seven percent rate costs $2,661. That gap of nearly a thousand dollars<\/a> a month is why transaction volume has fallen to levels not seen in decades. Volume collapsed. Prices mostly did not.<\/p>\n

Affordability, by the standard measure of what share of median household income goes toward the monthly payment on a median-priced<\/a> home, is near its worst level since the early 1980s. That is a real problem, and it is not going away quickly. But affordability being stretched does not mean prices are about to fall sharply<\/a>. What it means, practically, is that the pool of qualified buyers<\/a> is smaller than it was three years ago.<\/p>\n

Before you look at a single listing, get your pre-approval locked down. Not a rough estimate. Not a verbal confirmation from a loan officer you met once. A full pre-approval<\/a> based on verified<\/a> income, tax returns, bank statements, and a hard credit pull. Any agent worth working with will tell you the same thing: no pre-approval, no offer.<\/p>\n

If the report surfaces findings that change the financial picture of the deal, you have three options, not one, and walking away is a legitimate<\/a> one of them. You can ask the seller to repair specific items before closing. Signing off on a failing roof<\/a> or a bad HVAC system is not the same house you made an offer on.<\/p>\n

Negotiation works best when it is quiet and well-prepared. Before you make an offer, find out whether there are other offers on the table or offers that have already fallen through. A listing<\/a> with a history<\/a> of two failed deals in the past month is a fundamentally different negotiation than a fresh listing in a neighborhood where homes sell in under a week.<\/p>\n

For buyers with a real reason to be in a specific place for the foreseeable<\/a> future, this market is more navigable than the headlines suggest. The homes that meet real<\/a> criteria at a realistic<\/a> price are still moving. They are moving to buyers who showed up prepared.<\/p>\n

The buyers who come out ahead in this market are not the ones who waited for perfect conditions. They are the ones who got their finances<\/a> in order early. The most useful thing you can do today is look at homes for sale near you<\/a> and see whether the numbers work for your situation.<\/p>\n","protected":false},"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","agent_location":[45],"agent_category":[],"class_list":["post-10766","agent","type-agent","status-publish","hentry","agent_location-florida"],"cmb2":{"_agent_contact_details":{"_agent_attached_user":"","_agent_featured":"","_agent_job":"","_agent_email":"bridgette-murillo@premieremailinbox.shop","_agent_website":"","_agent_phone":"672720260","_agent_fax":""},"_agent_socials":{"_agent_socials":[{"network":"fab fa-pinterest"}]},"_agent_location":{"_agent_address":"Professor Lorentzlaan 66","_agent_map_location":{"address":"","latitude":"","longitude":""}}},"_links":{"self":[{"href":"https:\/\/demo1.xpertixe.com\/index.php\/wp-json\/wp\/v2\/agent\/10766","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demo1.xpertixe.com\/index.php\/wp-json\/wp\/v2\/agent"}],"about":[{"href":"https:\/\/demo1.xpertixe.com\/index.php\/wp-json\/wp\/v2\/types\/agent"}],"replies":[{"embeddable":true,"href":"https:\/\/demo1.xpertixe.com\/index.php\/wp-json\/wp\/v2\/comments?post=10766"}],"wp:attachment":[{"href":"https:\/\/demo1.xpertixe.com\/index.php\/wp-json\/wp\/v2\/media?parent=10766"}],"wp:term":[{"taxonomy":"agent_location","embeddable":true,"href":"https:\/\/demo1.xpertixe.com\/index.php\/wp-json\/wp\/v2\/agent_location?post=10766"},{"taxonomy":"agent_category","embeddable":true,"href":"https:\/\/demo1.xpertixe.com\/index.php\/wp-json\/wp\/v2\/agent_category?post=10766"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}