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How Long Can This Economic Recovery Last?

By Marie Miller and Vera Jacques | November 21, 2019

How Long Can This Economic Recovery Last? | Simplifying The MarketThe economy is currently experiencing the longest recovery in our nation’s history. The stock market has hit record highs, while unemployment rates are at record lows. Home price appreciation is beginning to reaccelerate. This begs the question: How long can this economic recovery last? The Wall Street Journal (WSJ) Survey of Economists recently called for […]

Buyers Are Looking Now. Are You Ready to List Your Home?

By Marie Miller and Vera Jacques | November 20, 2019

Buyers Are Looking Now. Are You Ready to List Your Home? | Simplifying The MarketInventory on the market today is low, especially among existing homes in the entry and middle-level tiers of the market. It is hovering well below the 6-month supply typically found in a more normal market, as shown in the graph below: With inventory being one of the biggest housing market challenges today, finding a starter […]

Expert Advice: 3 Benefits to Owning a Home

By Marie Miller and Vera Jacques | November 19, 2019

Expert Advice: 3 Benefits to Owning a Home | Simplifying The MarketSuccess is something often worth repeating, and Brent Sutherland, a Certified Financial Planner and Real Estate Investor, has certainly made his way in a momentum-driving direction. Here are 3 tips he shares from a recent piece in Business Insider on the benefits of owning real estate: 1. Real estate diversifies your income “While it is […]

2 Myths Holding Back Home Buyers

By Marie Miller and Vera Jacques | November 18, 2019

2 Myths Holding Back Home Buyers | Simplifying The MarketIn a recent article, First American shared how millennials are not really any different from previous generations when it comes to the goal of homeownership; it is still a huge part of their American Dream. The piece, however, also reveals,  “Saving for a down payment is one of the biggest obstacles faced by first-time home […]

The Cost of Renting vs. Buying a Home [INFOGRAPHIC]

By Marie Miller and Vera Jacques | November 15, 2019

Some Highlights:

Historically, the choice between renting and buying a home has been a tough decision.
Looking at the percentage of income needed to rent a median-priced home today (27.7%) vs. the percentage needed to buy a median-priced home (17.5%…

This is Not 2008 All Over Again: The Mortgage Lending Factor

By Marie Miller and Vera Jacques | November 14, 2019

This is Not 2008 All Over Again: The Mortgage Lending Factor | Simplifying The MarketSome are afraid the real estate market may be looking a lot like it did prior to the housing crash in 2008. One of the factors they’re pointing at is the availability of mortgage money. Recent articles about the availability of low-down payment loans and down payment assistance programs are causing concern that we’re returning […]

Buyer Demand Growing in Every Region

By Marie Miller and Vera Jacques | November 13, 2019

Buyer Demand Growing in Every Region | Simplifying The MarketBuyers are out in full force this fall, increasing the demand for homebuying in all four regions of the country. According to the latest ShowingTime Showing Index, “Home showing activity was up again nationwide with a 4.6 percent rise in traffic, as the traditionally slow fall season began with a marked boost in buyer interest.” […]

Homeownership Rate Remains on the Rise

By Marie Miller and Vera Jacques | November 12, 2019

Homeownership Rate Remains on the Rise | Simplifying The MarketIn the third quarter of 2019, the U.S. homeownership rate rose again, signaling another strong indicator of the current housing market. The U.S. Census Bureau announced, “The homeownership rate of 64.8 percent was not statistically different from the rate in the third quarter 2018 (64.4 percent), but was 0.7 percentage points higher than the rate […]

75 Years of VA Home Loan Benefits

By Marie Miller and Vera Jacques | November 11, 2019

75 Years of VA Home Loan Benefits | Simplifying The MarketToday, on Veterans Day, we salute those who have served our country in war or peace, and we thank them for their sacrifice. This year marks the 75th anniversary of VA Home Loan Benefit offerings through the Servicemen’s Readjustment Act, also known as the GI Bill. Since 1944, this law has created opportunities for those […]

VA Home Loans by the Numbers [INFOGRAPHIC]

By Marie Miller and Vera Jacques | November 8, 2019

Some Highlights:

The Veterans Administration (VA) Home Loan is a benefit that is available to more than 22 million veterans and 2 million active duty service members to help them achieve the dream of homeownership.
In 2018, $161 billion was loaned t…

Forget the Price of the Home. The Cost is What Matters.

By Marie Miller and Vera Jacques | November 7, 2019

Forget the Price of the Home. The Cost is What Matters. | Simplifying The MarketHome buying activity (demand) is up, and the number of available listings (supply) is down. When demand outpaces supply, prices appreciate. That’s why firms are beginning to increase their projections for home price appreciation going forward. As an example, CoreLogic increased their 12-month projection for home values from 4.5% to 5.6% over the last few […]

Millennials: Here’s Why the Process is Well Worth It.

By Marie Miller and Vera Jacques | November 6, 2019

Millennials: Here’s Why the Process is Well Worth It. | Simplifying The MarketMillennials have waited longer than any other generation to become homeowners, but the wait for this cohort is just about over. According to National Mortgage News,  “Millennials, those young adults now aged 23 to 38, are now entering their peak household formation and homebuying years.” If you’re a Millennial, you’re already well aware that you’re […]

Planning on Buying a Home? Be Sure You Know Your Options.

By Marie Miller and Vera Jacques | November 5, 2019

Planning on Buying a Home? Be Sure You Know Your Options. | Simplifying The MarketWhen you’re ready to buy, you’ll need to determine if you prefer the charm of an existing home or the look and feel of a newer build. With limited existing home inventory available today, especially in the starter and middle-level markets, many buyers are considering a new home that’s recently been constructed, or they’re building […]

The #1 Reason to List Your House in the Winter

By Marie Miller and Vera Jacques | November 4, 2019

The #1 Reason to List Your House in the Winter | Simplifying The MarketMany sellers believe spring is the best time to put their homes on the market because buyer demand traditionally increases at that time of year. What they don’t realize is if every homeowner believes the same thing, then that’s when they’ll have the most competition. So, what’s the #1 reason to list your house in […]

The Difference an Hour Will Make This Fall [INFOGRAPHIC]

By Marie Miller and Vera Jacques | November 1, 2019

Every Hour in the U.S. Housing Market: 

614 Homes Are Sold
95 Homes Regain Positive Equity
Median Home Values Go Up $1.38

 

The Difference an Hour Will Make This Fall [INFOGRAPHIC]

By Marie Miller and Vera Jacques | November 1, 2019

Every Hour in the U.S. Housing Market: 

614 Homes Are Sold
95 Homes Regain Positive Equity
Median Home Values Go Up $1.38

 

Taking the Fear Out of the Mortgage Process

By Marie Miller and Vera Jacques | October 31, 2019

Taking the Fear Out of the Mortgage Process | Simplifying The MarketA considerable number of potential buyers shy away from the real estate market because they’re uncertain about the buying process – particularly when it comes to qualifying for a mortgage. For many, the mortgage process can be scary, but it doesn’t have to be!  In order to qualify in today’s market, you’ll need a down […]

How to Determine If You Can Afford to Buy a Home

By Marie Miller and Vera Jacques | October 30, 2019

The gap between the increase in personal income and residential real estate prices has been used to defend the concept that we are experiencing an affordability crisis in housing today. It is true that home prices and wages are two key elements in any affordability equation. There is, however, an extremely important third component to […]

Thinking of Selling Your Home? The Waiting Is The Hardest Part.

By Marie Miller and Vera Jacques | October 29, 2019

Thinking of Selling Your Home? The Waiting Is The Hardest Part. | Simplifying The MarketTom Petty famously penned the words, “the waiting is the hardest part” in his early 80’s hit song The Waiting, and his thought process can surprisingly also be applied to individuals considering selling their homes today. Traditional thinking would suggest it may be best to wait until the spring to sell when there is a […]

4 Reasons to Buy a Home This Fall

By Marie Miller and Vera Jacques | October 28, 2019

4 Reasons to Buy a Home This Fall | Simplifying The MarketHere are four great reasons to consider buying a home today, instead of waiting. 1. Prices Will Continue to Rise CoreLogic’s latest Home Price Insights Report shows that home prices have appreciated by 3.6% over the last 12 months. The same report predicts prices will continue to increase at a rate of 5.8% over the next year. The bottom […]

Buying a home can be SCARY…Until you know the FACTS [INFOGRAPHIC]

By Marie Miller and Vera Jacques | October 25, 2019

Some Highlights:
Many potential homebuyers believe they need a 20% down payment and a 780 FICO® score to qualify to buy a home. This stops many people from even trying to jump into homeownership! Here are some facts to help take the fear out of the p…

Think Prices Have Skyrocketed? Look at Rents.

By Marie Miller and Vera Jacques | October 24, 2019

Think Prices Have Skyrocketed? Look at Rents. | Simplifying The MarketMuch has been written about how residential real estate values have increased since the housing market started its recovery in 2012. However, little has been shared about what has taken place with residential rental prices. Let’s shed a little light on this subject. In the most recent Apartment Rent Report, RentCafe explains how rents have […]

5 Reasons to Consider Living in a Multigenerational Home

By Marie Miller and Vera Jacques | October 23, 2019

5 Reasons to Consider Living in a Multigenerational Home | Simplifying The MarketDid you know that 1 in 6 Americans currently live in a multigenerational household? According to Generations United, the number of multigenerational households rose from 42.4 million in 2000 to 64 million in 2016. The 2018 Profile of Home Buyers and Sellers from the National Association of Realtors shows that 12% of all buyers have […]

5 Reasons to Consider Living in a Multigenerational Home

By Marie Miller and Vera Jacques | October 23, 2019

5 Reasons to Consider Living in a Multigenerational Home | Simplifying The MarketDid you know that 1 in 6 Americans currently live in a multigenerational household? According to Generations United, the number of multigenerational households rose from 42.4 million in 2000 to 64 million in 2016. The 2018 Profile of Home Buyers and Sellers from the National Association of Realtors shows that 12% of all buyers have […]

Depending on the Price, You’re Going to Need Advice

By Marie Miller and Vera Jacques | October 22, 2019

Depending on the Price, You’re Going to Need Advice | Simplifying The MarketTo understand today’s complex real estate market, it is critical to have a local, trusted advisor on your side – for more reasons than you may think. In real estate today, there are essentially three different price points in the market: the starter-home market, the middle-home market, and the premium or luxury market. Each one […]

5 Tips for Starting Your Home Search

By Marie Miller and Vera Jacques | October 21, 2019

5 Tips for Starting Your Home Search | Simplifying The MarketIn today’s market, low inventory dominates the conversation in many areas of the country. It can often be frustrating to be a first-time homebuyer if you aren’t prepared. Here are five tips from realtor.com’s article, “How to Find Your Dream Home—Without Losing Your Mind.” 1. Get Pre-Approved for a Mortgage Before You Start Your Search […]

5 Tips for Starting Your Home Search

By Marie Miller and Vera Jacques | October 21, 2019

5 Tips for Starting Your Home Search | Simplifying The MarketIn today’s market, low inventory dominates the conversation in many areas of the country. It can often be frustrating to be a first-time homebuyer if you aren’t prepared. Here are five tips from realtor.com’s article, “How to Find Your Dream Home—Without Losing Your Mind.” 1. Get Pre-Approved for a Mortgage Before You Start Your Search […]

Homes Are Selling Quickly [INFOGRAPHIC]

By Marie Miller and Vera Jacques | October 18, 2019

Some Highlights:

The National Association of REALTORS® surveyed their members for the release of their Confidence Index.
The REALTORS® Confidence Index is a key indicator of housing market strength based on a monthly survey sent to over 50,000 real …

3 Reasons This is NOT the 2008 Real Estate Market

By Marie Miller and Vera Jacques | October 17, 2019

3 Reasons This is NOT the 2008 Real Estate Market | Simplifying The MarketToday’s real estate market is nothing like the 2008 market. When an economic slowdown happens, it won’t resemble the last one. No one knows for sure when the next recession will occur. What is known, however, is that the upcoming economic slowdown will not be caused by a housing market crash, as was the case […]

3 Reasons to Use a Real Estate Pro in a Complex Digital World

By Marie Miller and Vera Jacques | October 16, 2019

3 Reasons to Use a Real Estate Pro in a Complex Digital World | Simplifying The MarketIf you’re searching for a home online, you’re not alone; lots of people are doing it. The question is, are you using all of your available resources, and are you using them wisely? Here’s why the Internet is a great place to start the home-buying process, and the truth on why it should never be […]

Be on the Lookout for Gen Z: The Next Generation of Homebuyers

By Marie Miller and Vera Jacques | October 15, 2019

Be on the Lookout for Gen Z: The Next Generation of Homebuyers | Simplifying The MarketGen Zers are the next generation of homeowners, and they’re eager to jump in and buy their first homes. Whether you are part of this generation or any other, it’s never too early to start saving, so you can reach your homeownership goal sooner rather than later. You’ve likely heard a ton about Millennials, but […]

Existing-Home Sales Report Indicates Now Is a Great Time to Sell

By Marie Miller and Vera Jacques | October 14, 2019

Existing-Home Sales Report Indicates Now Is a Great Time to Sell | Simplifying The MarketBased on the current state of the market, trends are shifting in favor of sellers. If you are going to sell, now may be the time to take advantage of the number of buyers who are searching for their dream home. The best time to sell anything is when demand for that item is high […]

What You Need to Know About the Mortgage Process [INFOGRAPHIC]

By Marie Miller and Vera Jacques | October 11, 2019

Some Highlights:

Many buyers are purchasing homes with down payments as little as 3%.
You may already qualify for a loan, even if you don’t have perfect credit.
Your local professionals are here to help you determine how much you can afford, so tak…

You Need More Than a Guide. You Need a Sherpa.

By Marie Miller and Vera Jacques | October 10, 2019

You Need More Than a Guide. You Need a Sherpa. | Simplifying The MarketIn today’s world, hiring an agent who has a finger on the pulse of the market will make your buying or selling experience an educated one. In a normal housing market, whether you’re buying or selling a home, you need an experienced guide to help you navigate the process. You need someone you can turn […]

Homeownership is the Top Contributor to Your Net Worth

By Marie Miller and Vera Jacques | October 9, 2019

Homeownership is the Top Contributor to Your Net Worth | Simplifying The MarketRecently two U.S. Census Bureau researchers released their findings on the biggest determinants of household wealth. What they found may help shape your view on building your family’s net worth. Many people plan to build their net worth by buying CDs or stocks, or just having a savings account. Recently, however, Economist Jonathan Eggleston and […]

What FICO® Score Do You Need to Qualify for a Mortgage?

By Marie Miller and Vera Jacques | October 8, 2019

What FICO® Score Do You Need to Qualify for a Mortgage? | Simplifying The MarketIt’s common knowledge that your FICO® score plays an important role in the homebuying process. However, many buyers have misconceptions regarding what exactly is required to get the loans they need. While a recent announcement from CNBC shares that the average national FICO® score has reached an all-time high of 706, the good news for […]

What FICO® Score Do You Need to Qualify for a Mortgage?

By Marie Miller and Vera Jacques | October 8, 2019

What FICO® Score Do You Need to Qualify for a Mortgage? | Simplifying The MarketIt’s common knowledge that your FICO® score plays an important role in the homebuying process. However, many buyers have misconceptions regarding what exactly is required to get the loans they need. While a recent announcement from CNBC shares that the average national FICO® score has reached an all-time high of 706, the good news for […]

62% of Buyers Are Wrong About Down Payment Needs

By Marie Miller and Vera Jacques | October 7, 2019

62% of Buyers Are Wrong About Down Payment Needs | Simplifying The MarketContrary to common misconception, a down payment is often much less than many believe. According to the ‘2019 Home Buyer Report’ conducted by Nerdwallet, many first-time buyers still believe they need a 20% down payment to buy a home in today’s market: “More than 6 in 10 (62%) Americans believe you must put at least 20% down in […]

5 Homebuying Acronyms You Need to Know [INFOGRAPHIC]

By Marie Miller and Vera Jacques | October 4, 2019

Some Highlights:

Learning the lingo of homebuying is an important part of feeling successful when buying a home.
From APR to P&I, you need to know the acronyms that will come up along the way, and what they mean when you hear them.
Your local p…

3 Signs the Housing Market Is on the Rebound

By Marie Miller and Vera Jacques | October 3, 2019

3 Signs the Housing Market Is on the Rebound | Simplifying The MarketThe residential real estate market has been plodding along for most of the year. However, three recent reports show the market may be on the verge of a rebound. The residential real estate market has been plodding along for most of the year. However, three recent reports show the market may be on the verge […]

3 Signs the Housing Market Is on the Rebound

By Marie Miller and Vera Jacques | October 3, 2019

3 Signs the Housing Market Is on the Rebound | Simplifying The MarketThe residential real estate market has been plodding along for most of the year. However, three recent reports show the market may be on the verge of a rebound. The residential real estate market has been plodding along for most of the year. However, three recent reports show the market may be on the verge […]

4 Tips to Improve Your Home and Save on Your Energy Bill

By Marie Miller and Vera Jacques | October 2, 2019

4 Tips to Improve Your Home and Save on Your Energy Bill | Simplifying The MarketBy making a few key upgrades to your home, you’ll save on your utility bills and improve the energy efficiency of your home. When you’re ready to sell your house, these key features will make it even more attractive to potential buyers. As a homeowner, it’s important to keep your home running efficiently, not only […]

What to Expect from Your Home Inspection

By Marie Miller and Vera Jacques | October 1, 2019

What to Expect from Your Home Inspection | Simplifying The MarketYou made an offer and it was accepted. Your next task is to have the home inspected prior to closing. Agents often recommend you make your offer contingent upon a clean home inspection. This contingency allows you to renegotiate the price you offered for the home, ask the sellers to cover repairs, or in some […]

How Does the Supply of Homes for Sale Impact Buyer Demand?

By Marie Miller and Vera Jacques | September 30, 2019

How Does the Supply of Homes for Sale Impact Buyer Demand? | Simplifying The MarketThe latest edition of the Realtors Confidence Index from NAR sheds some light on the relationship between seller traffic (supply) and buyer traffic (demand). Until the supply of homes for sale starts to meet buyer demand, prices will continue to rise. The price of any item is determined by supply, as well as the market’s demand for the item. The National […]

What Is the Cost of Waiting Until Next Year to Buy? [INFOGRAPHIC]

By Marie Miller and Vera Jacques | September 27, 2019

What Is the Cost of Waiting Until Next Year to Buy? [INFOGRAPHIC] | Simplifying The Market

Some Highlights:

  • The “cost of waiting to buy” is defined as the additional funds necessary to buy a home if prices and interest rates were to increase over a period of time.
  • Freddie Mac forecasts interest rates will rise to 3.8% by Q4 2020.
  • CoreLogic predicts home prices will appreciate by 5.4% over the next 12 months.
  • If you’re ready and willing to buy your dream home, now is a great time to buy.

Homeowners Are Happy! Renters? Not So Much.

By Marie Miller and Vera Jacques | September 26, 2019

Homeowners Are Happy! Renters? Not So Much. | Simplifying The MarketWhen people talk about homeownership and the American Dream, much of the conversation revolves around the financial benefits of owning a home. However, two recent studies show that the non-financial benefits might be even more valuable. In a recent survey, Bank of America asked homeowners: “Does owning a home make you happier than renting?” 93% […]

Are You Ready for the ‘Black Friday’ of Real Estate?

By Marie Miller and Vera Jacques | September 25, 2019

Are You Ready for the ‘Black Friday’ of Real Estate? | Simplifying The MarketAccording to a new study from realtor.com, the week of September 22 is the best time of year to buy a home, making it ‘Black Friday’ for homebuyers. Every year, ‘Black Friday’ is a highly anticipated event for eager shoppers. Some people prepare for weeks, crafting and refining a strategic shopping agenda, determining exactly when […]

Are You Ready for the ‘Black Friday’ of Real Estate?

By Marie Miller and Vera Jacques | September 25, 2019

Are You Ready for the ‘Black Friday’ of Real Estate? | Simplifying The MarketAccording to a new study from realtor.com, the week of September 22 is the best time of year to buy a home, making it ‘Black Friday’ for homebuyers. Every year, ‘Black Friday’ is a highly anticipated event for eager shoppers. Some people prepare for weeks, crafting and refining a strategic shopping agenda, determining exactly when […]

Should You Fix Your House Up or Sell Now?

By Marie Miller and Vera Jacques | September 24, 2019

Should You Fix Your House Up or Sell Now? | Simplifying The MarketIf you’re thinking about remodeling your house before you list it, take a look at these three tips to help you decide if you really need to fix it up before you sell. The answer may surprise you. With the fall season upon us, change is in the air. For many families, children are growing […]

Is Your House “Priced to Sell Immediately”?

By Marie Miller and Vera Jacques | September 23, 2019

Is Your House “Priced to Sell Immediately”? | Simplifying The MarketIn today’s real estate market, more houses are coming to market every day. Eager buyers are searching for their dream homes, so setting the right price for your house is one of the most important things you can do. According to CoreLogic’s latest Home Price Index, home values have risen at over 6% a year […]

4 Reasons to Sell This Fall [INFOGRAPHIC]

By Marie Miller and Vera Jacques | September 20, 2019

4 Reasons to Sell This Fall [INFOGRAPHIC] | Simplifying The Market

Some Highlights:

  • Buyers are active in the market and often competing with one another for available listings.
  • Housing inventory is still under the 6-month supply found in a normal housing market.
  • Homes are still selling relatively quickly, averaging 31 days on the market.

One of the Top Reasons to Own a Home

By Marie Miller and Vera Jacques | September 19, 2019

One of the Top Reasons to Own a Home | Simplifying The MarketOne of the benefits of homeownership is that it is a “forced savings plan.” Here’s how it works: You make a mortgage payment each month. Part of that payment is applied to the principal balance of your mortgage. Each month you owe less on the home. The difference between the value of the home and […]

What Buyers Need to Know About HOAs

By Marie Miller and Vera Jacques | September 18, 2019

What Buyers Need to Know About HOAs | Simplifying The MarketWhen searching for a home, you may end up selecting a property in a community with a Homeowners Association (HOA). Before you buy, it’s important to know how an HOA works and what they mean for you. According to a recent article on realtor.com, “In a nutshell, an HOA helps ensure that your community looks […]

Home Prices Increase in Every Price Range

By Marie Miller and Vera Jacques | September 17, 2019

Home Prices Increase in Every Price Range | Simplifying The MarketPrice appreciation can differ depending on your price range. CoreLogic analyzed four individual home prices tiers and shares the increase in each one. CoreLogic’s Home Price Index (HPI) Report revealed, “National home prices increased 3.6% year over year in July 2019 and are forecast to increase 5.4% from July 2019 to July 2020.” They also […]

Things to Avoid After Applying for a Mortgage

By Marie Miller and Vera Jacques | September 16, 2019

Things to Avoid After Applying for a Mortgage | Simplifying The MarketCongratulations! You’ve found a home to buy and have applied for a mortgage! You’re undoubtedly excited about the opportunity to decorate your new home, but before you make any large purchases, move your money around, or make any big-time life changes, consult your loan officer – someone who will be able to tell you how […]

Things to Avoid After Applying for a Mortgage

By Marie Miller and Vera Jacques | September 16, 2019

Things to Avoid After Applying for a Mortgage | Simplifying The MarketCongratulations! You’ve found a home to buy and have applied for a mortgage! You’re undoubtedly excited about the opportunity to decorate your new home, but before you make any large purchases, move your money around, or make any big-time life changes, consult your loan officer – someone who will be able to tell you how […]

Things to Avoid After Applying for a Mortgage

By Marie Miller and Vera Jacques | September 16, 2019

Things to Avoid After Applying for a Mortgage | Simplifying The MarketCongratulations! You’ve found a home to buy and have applied for a mortgage! You’re undoubtedly excited about the opportunity to decorate your new home, but before you make any large purchases, move your money around, or make any big-time life changes, consult your loan officer – someone who will be able to tell you how […]

6 Graphs Showing the Strength of the Current Housing Market [INFOGRAPHIC]

By Marie Miller and Vera Jacques | September 13, 2019

Some Highlights:

Keeping an eye on the current status of the housing market is one of the best ways to make powerful and confident decisions when buying or selling a home.
Mortgage rates remaining near historic lows and houses selling in an average…

6 Graphs Showing the Strength of the Current Housing Market [INFOGRAPHIC]

By Marie Miller and Vera Jacques | September 13, 2019

Some Highlights:

Keeping an eye on the current status of the housing market is one of the best ways to make powerful and confident decisions when buying or selling a home.
Mortgage rates remaining near historic lows and houses selling in an average…

What Is the Probability That Home Values Sink?

By Marie Miller and Vera Jacques | September 12, 2019

What Is the Probability That Home Values Sink?| Simplifying The MarketWith the current uncertainty about the economy triggered by a potential trade war, some people are waiting to purchase their first home or move-up to their dream house because they think or hope home prices will drop over the next few years. However, the experts disagree with this perspective. Here is a table showing the […]