Blog

Author: Judi Muniz

  • What does a home warranty cover and what’s excluded?

    What does a home warranty cover and what’s excluded?

    Navigating the ins and outs of home warranties can be a key part of making confident real estate decisions. These plans typically cover major systems and appliances, and you can tailor coverage for just systems, just appliances, or opt for both—sometimes with extra add-ons available. It’s important to note that things like structural components and preexisting conditions are generally excluded. Since coverage limits and specifics can vary quite a bit between providers, I always advise my clients to review the details carefully. I’m committed to ensuring you have access to the best information and resources, so you can approach your next move with clarity and peace of mind.

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  • First-time homebuyers could get $50,000 under new bill

    First-time homebuyers could get $50,000 under new bill

    There’s a new bill on the table that could have a significant impact for first-time homebuyers: it proposes up to $50,000 in federal matching funds for down payments, with a 5-to-1 match ratio. The plan would require buyers to complete counseling and limit purchases to homes priced at or below the median, aiming to make homeownership more accessible. Some industry voices, however, are concerned that this might drive up prices if supply doesn’t keep pace. As someone dedicated to expert guidance and up-to-the-minute market knowledge, I’m always watching for new developments that can shape your real estate journey. It’s all about bringing you the best representation and insight, whether you’re exploring your first purchase or planning your next move.

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  • Homebuyers Can Shape Their Mortgage Rate

    When it comes to securing a mortgage, there’s more room for strategy than many realize. Recent analysis of 1.35 million US purchase loans (from early 2023 through late 2025) revealed that homebuyers—even those closing in the same month—saw notable differences in their rates. For most, the gap between rates was nearly a full percentage point, which translates to about $28,400 in buying power for those with a $2,000 monthly budget. The biggest influence? Credit scores. Improving from the high 600s to 720 made a clear difference, especially at the 700 and 720 thresholds. What stood out most was the impact of comparison shopping: borrowers who sought out highly competitive lenders saved an average of 19 basis points—worth around $5,800. Interestingly, putting 20% down had only a minimal effect on the rate itself (just 0.7 basis points), though it did eliminate the need for mortgage insurance, which is where the real savings appeared. In my work, I believe that understanding these nuances—backed by market expertise and a commitment to comprehensive service—helps clients make choices that truly benefit their bottom line.

  • New Homes Offer Better Value Nationwide

    Across the country, new construction homes are standing out for buyers. Builders are responding to the market by reducing prices and offering buyer incentives—advantages you rarely see with resale properties. With many homeowners choosing to stay put due to current mortgage conditions, the pool of existing homes for sale remains limited. This makes new builds an appealing alternative for those weighing cost and flexibility.

    In markets where building is robust, we see firsthand how increased supply can drive affordability and encourage healthy competition among builders. Price adjustments and perks such as mortgage rate buydowns are shifting the landscape, making it essential for buyers to compare both new and resale options. As someone who values expert market knowledge and comprehensive service, I believe understanding these trends is key to making informed decisions. It's also important to keep an eye on local permitting—if it slows, the recent gains in affordability could be at risk. Continued construction and streamlined processes remain crucial for preserving buyer choices in our evolving market.

  • Seller Concessions Reach a New US Peak

    Seller concessions have reached a new peak across the US: in the rolling 3-month period ending Mid-Q3, about 45% of home sales included some form of seller concession—the highest share at this time of year since at least 2020. That’s up from roughly 43% a year ago, a clear sign that buyers have gained more leverage as market inventory rises and competition eases. These concessions can take the form of assistance with repairs, closing costs, or mortgage-rate buydowns, giving buyers more ways to reduce their overall purchase costs than just price reductions alone. I’ve seen firsthand how sellers are adjusting, often competing with closing-cost credits or rate buydowns rather than simply lowering listing prices. This shift is reshaping negotiations and opening doors for more flexible deal structures. Notably, about 16% of homes sold in Mid-Q3 combined a price reduction with a concession, creating additional opportunities for buyers to lower their entry costs. With a commitment to expert market knowledge and a network that spans local and global markets, I ensure my clients are prepared to navigate and benefit from these evolving trends.

  • Honoring the Significance of Indigenous Day

    Indigenous Peoples’ Day celebrates, recognizes, and honors the beautiful traditions and cultures of the Indigenous People
    We take a stand for and support the indigenous people on this day.
    We should also offer our support to those who invest and uplift the indigenous communities.

  • Homebuyers Gain More Choices and Bargaining Power for Fall 2026

    Homebuyers Gain More Choices and Bargaining Power for Fall 2026

    It’s not often we see a shift like this in the market: with 4.9 months of housing supply and mortgage rates hovering around 7%, this fall brings a noticeable change in homebuyer leverage. I’m seeing sellers become more flexible, especially with older homes—concessions are on the table. For buyers, this is the time to approach negotiations thoughtfully. Evidence-based, respectful offers can go a long way. Sellers, on the other hand, benefit from pricing competitively and considering a pre-inspection to stand out. My focus remains on delivering expert guidance and the highest standards of service, wherever your real estate goals take you.

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  • Gen Z buyers lead every generation on affordability trade-offs

    Gen Z buyers lead every generation on affordability trade-offs

    It’s fascinating to see Gen Z buyers leading the way when it comes to making affordability trade-offs in real estate. They’re showing a remarkable willingness to adjust spending habits and embrace smaller spaces, all for the opportunity to own a home. Canadians, in particular, appear most open to downsizing, while British buyers are holding firm on their preferences. As someone committed to delivering exceptional service and leveraging expert market knowledge, I see these trends shaping not just the choices of individual buyers, but the broader landscape of property ownership. Understanding these shifts is key to navigating today’s dynamic market with confidence and clarity.

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  • Homebuyers: Lending Standards Are Still Tight, but New Credit Scores May Help

    Homebuyers: Lending Standards Are Still Tight, but New Credit Scores May Help

    With home sales hovering near a 31-year low, it's clear that strict lending standards, elevated mortgage rates, and increasing costs are shaping the landscape for buyers. While new credit scoring models are beginning to recognize payments like rent and utilities, many low-income and minority borrowers still find themselves on the outside—even though their delinquency and default rates remain low. At @properties, I believe expert market knowledge and the highest standards of service are essential for guiding clients through these complexities. Whether you're navigating these challenges locally or looking further afield, having the right representation makes all the difference.

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  • The Housing Market Is Getting More Expensive to Wait Out

    In today’s market, the decision to wait on a home purchase is more complex than ever. With borrowing costs elevated, delaying your move could mean facing higher monthly payments down the road—especially since home prices aren’t dropping quickly enough to balance out those financing expenses. It’s a common misconception that waiting ensures a better deal. In reality, the overall cost of buying may not decrease just because you hold off. That said, I’m seeing select markets where increased inventory is giving buyers more negotiating power, as sellers compete for attention. The real advantage comes from understanding how price, financing, and negotiation opportunities all intersect—far beyond just watching interest rates. My approach is always to provide the most current market insights and strategic guidance, ensuring you’re positioned to make the smartest move for your goals, wherever your path leads.