Dubuque Home Inspection

"THE CRASH IS COMING!! THE CRASH IS COMING!! OMG, AARON, WHEN IS THE CRASH COMING?' 🙃🙃🙃

Not very likely. My soap box. Let's look at some facts. 🤓🤓🤓

Nearly 40% of homeowners today paid cash or have ZERO mortgage, most ever. The average homeowner has $317,000 in equity, most in history. 💲💲💲

The average homeowner, with a mortgage, has a loan at 42% loan to value, lowest in history. 👊👊👊

Nearly 70% of homeowners, with loans, have a rate 5% or under. Nearly 25% of homeowners with a loan, have a rate 3% or under. ↘️↘️↘️

Nearly every homeowner, with a mortgage today, faced the highest loan quality underwriting in history and had to document, and prove, the ability to repay their monthly mortgage payment. 👍👍👍

SOOOOOOO, if a "crash" is coming, you tell me, what will force that crash? What is going to FORCE homeowners to sell crash-level low? 〽️〽️〽️

Not their low loan, not their low monthly payment, not a marginal depreciation of their massive equity. The only thing that can cause a crash is an economic disaster, worse than 2008, that forces mass layoffs and mass companies to close. 🤬🤬🤬

The market crashed 25% in the great recession. Some markets way higher, some way lower. ↘️⬇️⬅️

Anyone truly believe the next one will be worse than that? Even if you do, there are already home sellers choosing to discount 10-20%. ↘️↙️↘️

You aren't buying "the market," You are buying a house. Go get your "crash-level 10-20% discount" from a highly-motivated seller. They are out there. 🏠🏠🏠

AND, if you are still afraid? Rents are at an all-time high.
Blackstone just raised $50 billion to buy real estate at a discount. They have paused some of their weakest markets but they couldn't care less about appreciation, depreciation or "crashes." They care only about income/cash flow. 🔑🔑🔑

Follow Blackstone, a $112 billion company, and buy an investment home instead of a home to live in.

Let's be honest. The "best time to buy a house" was XX years ago. It's always in hindsight. There's never a "good time." Don't listen to others, especially "experts." 🧐🧐🧐

No one knows what rates nor the housing market will do next week, let alone next year. Do your own research and do what's best for you and your family. 👨‍👩‍👧‍👧👨‍👩‍👦‍👦👨‍👩‍👧‍👦

Congratulations on 45 years with Ruhl&Ruhl Realtors, Roni! Our would not be the same without you.

Welcome to the , Steven!

Congratulations to this week's Club Achievers!

Jason-Stacey Miller Team achieved Triple Diamond Club.
Joe Lindsay achieved Double Diamond Club.

Randy Richter, Cedar Rapids Realtor, Julie Chown, Ruhl&Ruhl Realtors, and Harry Blewett achieved Diamond Club.

Dennis Stolk, Kevin Dolan, and Stuart Geiger achieved Platinum Club.

Shannon Debner and Stanley Goodyear achieved Gold Club.

Mary Jo McClain and Melissa Meyer achieved Silver Club.

Tori McGeehon and Gayle Dolan achieved Bronze Club.

Ready, Set, SOLD❗❕❗

Now might be the perfect time to sell your current property. Give me a call and let's get started!

🎉Congratulation to my sellers Jim & Diane and a HUGE Congratulation to one very special family! It was BEYOND a pleasure working with you all! Thank you for your trust!! Welcome Home!!!

🎉Special Shout Outs
◾ Robin McEnany with GreenState Credit Union for assisting the buyers with their mortgage.
◾ Jeff Hiatt & Jennifer Clemens-Conlon from Law Office Clemens, Walters, Conlon, Runde & Hiatt, L.L.P for assisting both buyers and sellers.
◾ Manuel Martinez of Big River Property Inspection for assisting the sellers with their pre-home inspection.

✔ It truly takes a small village. There are a lot of moving parts to a real estate transaction and it takes great people doing great work to make it happen. Thank you all for your hard work. Looking forward to working with each of you in the near future!

☑️In this competitive market, now is when you want a professional with proven results! You'll find I have just the right SOLUTIONS to help you buy & sell ease!

▶Contact ME today to learn more about what I can do for you.

Kayla Miltenberger
Realtor Licensed in Iowa
📱(563)258-1660
📧[email protected]
🌐www.everykeybeginswithk.com
Keller Williams Legacy Group
Licensed Real Estate Broker in Iowa

Congratulations on 5 years with Ruhl&Ruhl Realtors, Ruhl & Ruhl Realtors / Sandy Howard ! Our would not be the same without you!

Congratulations Carol Bridgewater Warner Ruhl&Ruhl Realtors! To learn more about who her donation is helping check out Team Marek's page.

The Dubuque Racing Association is proud to support American Red Cross with their efforts at home and around the globe. Our recent $10,000 donation will support Afghan evacuees and provide needed care and emotional support to U.S. military members, veterans and their families, including those affected by recent events.

The Dubuque Racing Association is the license holder for casino operations at Q Casino and co-licensee for Diamond Jo Casino Dubuque.