{"id":8421,"date":"2026-04-18T09:18:15","date_gmt":"2026-04-18T09:18:15","guid":{"rendered":"https:\/\/demo1.xpertixe.com\/index.php\/agent\/philomenahandy\/"},"modified":"2026-04-18T11:24:05","modified_gmt":"2026-04-18T11:24:05","slug":"philomenahandy","status":"publish","type":"agent","link":"https:\/\/demo1.xpertixe.com\/index.php\/agent\/philomenahandy\/","title":{"rendered":"philomenahandy"},"content":{"rendered":"

10 Tips With Condos<\/strong><\/p>\n

Every few years the housing market<\/a> 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

Home prices at the national level have stayed stubbornly<\/a> high even as financing costs doubled in under two years. The reason is supply. A seller who bought in 2021 at a three percent rate has nowhere affordable to go if they list today, which means the correction that many analysts were expecting simply did not materialize the way the data suggested<\/a> it should.<\/p>\n

Here is what that creates for someone with solid credit<\/a> and a real pre-approval<\/a> in hand: a better chance of getting the house you want without losing a bidding war. The panic buyers are gone. The buyers who showed up with letters waiving inspections<\/a> and offering a hundred thousand over asking have mostly sat back down. What remains is a more functional market, even if it is not a cheap one.<\/p>\n

Shop multiple loan officers to compare rates and fees. A quarter-point difference<\/a> in your interest rate adds up to around twenty thousand dollars over a thirty-year loan on a four hundred thousand dollar mortgage. Lender fees vary too. Do not compare rate quotes without also comparing origination fees, points, and closing costs.<\/p>\n

The appraisal is the lender’s<\/a> check, not yours. When the appraisal comes in below contract, the deal does not automatically die, but it does require a decision. Ask your agent what the local pattern looks like before you structure an offer without an appraisal contingency.<\/p>\n

A seller with a specific need will sometimes take less money from a buyer who gives them what they actually want. Deal structure has won more competitive situations than overbidding<\/a> has.<\/p>\n

The timing question, whether to buy now or wait for rates to come down, is the one that trips up more buyers than any other single factor. No one consistently times the real estate<\/a> market. The more useful question<\/a> is not whether now is the right time in the abstract; it is whether the home works for your actual life for the next five to seven years.<\/p>\n

Real estate rewards<\/a> preparation<\/a> more than it rewards<\/a> timing. The market does not wait for the ideal moment, and neither should buyers who have done the work. Start by browsing current homes for sale and market resources<\/a> to build a realistic picture of your options.<\/p>\n","protected":false},"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","agent_location":[45],"agent_category":[],"class_list":["post-8421","agent","type-agent","status-publish","hentry","agent_location-florida"],"cmb2":{"_agent_contact_details":{"_agent_attached_user":"","_agent_featured":"","_agent_job":"","_agent_email":"philomena-handy-8810@globalemail.online","_agent_website":"","_agent_phone":"9124796014","_agent_fax":""},"_agent_socials":{"_agent_socials":[{"network":"fab fa-pinterest"}]},"_agent_location":{"_agent_address":"82 Lilac Lane","_agent_map_location":{"address":"","latitude":"","longitude":""}}},"_links":{"self":[{"href":"https:\/\/demo1.xpertixe.com\/index.php\/wp-json\/wp\/v2\/agent\/8421","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=8421"}],"wp:attachment":[{"href":"https:\/\/demo1.xpertixe.com\/index.php\/wp-json\/wp\/v2\/media?parent=8421"}],"wp:term":[{"taxonomy":"agent_location","embeddable":true,"href":"https:\/\/demo1.xpertixe.com\/index.php\/wp-json\/wp\/v2\/agent_location?post=8421"},{"taxonomy":"agent_category","embeddable":true,"href":"https:\/\/demo1.xpertixe.com\/index.php\/wp-json\/wp\/v2\/agent_category?post=8421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}