Donna Muller
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![What You Need To Know About Down Payments [INFOGRAPHIC]](https://img3.findglocal.com/614/626/760082466146268.jpg)
What You Need To Know About Down Payments [INFOGRAPHIC]
If you want to buy a home, you may not need as much for your down payment as you think. There are various loan options for qualified buyers with down payments as low as 3.5% or even no down payment requirement. There are also thousands of programs available to help homebuyers with their down payments. With the right resources, your down payment may be more within reach than you realize. To learn more about your options, let’s connect.
What You Need To Know About Down Payments [INFOGRAPHIC] If you want to buy a home, you may not need as much for your down payment as you think.

The Surprising Trend in the Number of Homes Coming onto the Market
If you're thinking about moving, it's important to know what's happening in the housing market. Here's an update on the supply of homes currently for sale. Whether you're buying or selling, the number of homes in your area is something you should pay attention to.
In the housing market, there are regular patterns that happen every year, called seasonality. Spring is the peak homebuying season and also when the most homes are typically listed for sale (homes coming onto the market are known in the industry as new listings). In the second half of each year, the number of new listings typically decreases as the pace of sales slows down.
What Does This Mean for You?
• For buyers, new listings stabilizing is a positive sign. It means you have a more steady stream of options coming onto the market and more choices for your next home than you would...
The Surprising Trend in the Number of Homes Coming onto the Market If you're thinking about moving, it's important to know what's happening in the housing market.

Down Payment Assistance Programs Can Help Pave the Way to Homeownership
If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. According to the National Association of Realtors (NAR), 38% of first-time homebuyers find saving for a down payment the most challenging step. But the reality is, you probably don’t need to put down as much as you think.
Data from NAR shows the median down payment hasn’t been over 20% since 2005. In fact, the median down payment for all homebuyers today is only 15%. And it’s even lower for first-time homebuyers at 8%. But just because that’s the median, it doesn’t mean you have to put that much down. Some qualified buyers put down even less.
First-Time and Repeat Buyers Are Often Eligible
According to Down Payment Resource, there are thousands of programs available for homebuyers – and 75% of these are down payment assistance programs.
And it’s not just...
Down Payment Assistance Programs Can Help Pave the Way to Homeownership If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle.

When You Sell Your House, Where Do You Plan To Go?
If you’re thinking about selling your house, you may have heard the supply of homes for sale is still low, and that means your house should stand out to buyers who are craving more options. But you may also be wondering, once you sell, how does the current supply impact your own move? And, will you be able to find a home you want to buy with inventory this low?
One thing that can help you find your next home is exploring all your options, including both homes that have been lived in before as well as newly built ones. Let’s look at the benefits of each one.
The Pros of Newly Built Homes
First, let’s look at the advantages of purchasing a newly constructed home. With a brand-new home, you’ll be able to:
1. Create your perfect home.
2. Cash-in on energy efficiency.
3. Minimize the need for repairs.
4. Have brand new everything.
The Pros of Existing Homes
Now...
When You Sell Your House, Where Do You Plan To Go? If you’re thinking about selling your house, you may have heard the supply of homes for sale is still low, and that means your house should stand out to buyers who are craving more options.

How renters insurance safeguards your belongings Moving into a new rental can be exciting! However, you m

Woodstock, VA Real Estate Market Update 12/12/2023 Click here to view Woodstock, VA blog post which has information on the constantly changing market trends.

The Perfect Home Could Be the One You Perfect After Buying
There’s no denying mortgage rates and home prices are higher now than they were last year and that’s impacting what you can afford. At the same time, there are still fewer homes available for sale than the norm. These are two of the biggest hurdles buyers are facing today. But there are ways to overcome these things and still make your dream of homeownership a reality.
As you set out to make a purchase this season, you’ll want to be strategic. Here’s a great way to organize your list:
• Must-Haves – If a house doesn’t have these features, it won’t work for you and your lifestyle.
• Nice-To-Haves – These are features you’d love to have but can live without. Nice-to-haves aren’t dealbreakers, but if you find a home that hits all the must-haves and some of these, it’s a contender.
• Dream State – This is where you can really think big. Again, these aren’t features...
The Perfect Home Could Be the One You Perfect After Buying There’s no denying mortgage rates and home prices are higher now than they were last year and that’s impacting what you can afford.
Your Homebuying Adventure [INFOGRAPHIC]
Here are the key milestones you’ll encounter on your path to homeownership. From building your team, to house hunting, all the way to moving into your new home – it’s an exciting adventure. Your journey starts here. Let’s connect so you have expert guidance each step of the way.

Why You Need To Use a Real Estate Agent When You Buy a Home
If you’ve recently decided you’re ready to become a homeowner, chances are you’re trying to figure out what to do first. It can feel a bit overwhelming to know where to start, but the good news is you don’t have to navigate all of that alone.
When it comes to buying a home, there are a lot of moving pieces. And that’s especially true in today’s housing market.
Agents Are the #1 Most Useful Source in the Buying Process
The latest annual report from the National Association of Realtors (NAR) finds recent homebuyers agree the #1 most useful source of information they had in the home buying process was a real estate agent. Let’s break down why.
How an Agent Helps When You Buy a Home
When you think about a real estate agent, you may think of someone taking you on home showings and putting together the paperwork, but a great agent does so much more...
Why You Need To Use a Real Estate Agent When You Buy a Home If you’ve recently decided you’re ready to become a homeowner, chances are you’re trying to figure out what to do first.

How To Turn Homeownership into a Side Hustle
Does the rising cost of just about everything these days make your dream of owning your own home feel less within reach? According to Bankrate, many people are seeking additional income through side hustles, possibly to cope with those increasing expenses and save for a home.
Here are two strategies that can not only make homeownership more affordable in the short term, but turn it into a lucrative side hustle that can pay off down the road.
Transforming the Challenge of a Fixer-Upper into an Opportunity
By opting for a home that requires some work, you may see two big benefits. For starters, you may find it’s easier to find a home because you’re not looking for that perfect option. Plus, it may also help you enter the housing market at a lower price point. This strategy provides a more affordable way to become a homeowner while also offering the potential for future...
How To Turn Homeownership into a Side Hustle Does the rising cost of just about everything these days make your dream of owning your own home feel less within reach?
![3 Reasons To Sell Your House Before the New Year [INFOGRAPHIC]](https://img4.findglocal.com/005/266/754351800052668.jpg)
3 Reasons To Sell Your House Before the New Year [INFOGRAPHIC]
Here are a few reasons you may not want to hold off until the new year to sell your house. Buyers looking right now are highly motivated, the supply of homes for sale is still low, and you may find buyers are more flexible with showings this time of year. DM me to determine if selling your house now is the right move for you.
3 Reasons To Sell Your House Before the New Year [INFOGRAPHIC] Here are a few reasons you may not want to hold off until the new year to sell your house.

Finding a home: A basic guide to purchasing a home Finding a home can be thrilling yet stressful. A house i

Experts Project Home Prices Will Rise over the Next 5 Years
Even with so much data showing home prices are actually rising in most of the country, there are still a lot of people who worry there will be another price crash in the immediate future. In fact, a recent survey from Fannie Mae shows that 23% of consumers think prices will fall over the next 12 months. That’s nearly one in four people who are dealing with that fear – maybe you’re one of them.
To help ease that concern, here’s what the experts say will happen with home prices not just next year, but over the next five years.
Experts Project Ongoing Appreciation
While seeing a small handful of expert opinions may not be enough to change your mind, hopefully, a larger group of experts will reassure you. Here’s that larger group.
The Home Price Expectation Survey (HPES) from Pulsenomics is a great resource to show what experts forecast for home prices over...
Experts Project Home Prices Will Rise over the Next 5 Years Even with so much data showing home prices are actually rising in most of the country, there are still a lot of people who worry there will be another price crash in the immediate future.

Is Owning a Home Still the American Dream for Younger Buyers?
Everyone has their own idea of the American Dream, and it's different for each person. But, in a recent survey by Bankrate, people were asked about the achievements they believe represent the American Dream the most. The answers show that owning a home still claims the #1 spot for many Americans today.
A recent survey by 1000watt asks if they (Gen Z and millennials) want to buy a home in the future. The resounding answer is yes.
While there are plenty of reasons why someone might prefer homeownership to renting, the same 1000watt survey shows, that for 63% of Gen Z and millennials, it’s that your place doesn’t feel like “home” unless you own it – maybe you feel the same way.
That emotional draw is further emphasized when you look at the reasons why Gen Z and millennials want to become homeowners. For all the financial benefits homeownership provides, in...
Is Owning a Home Still the American Dream for Younger Buyers? Everyone has their own idea of the American Dream, and it's different for each person.

Berryville, VA Real Estate Market Update 12/1/2023 Click here to view Berryville, VA blog post which has information on the constantly changing market trends.

Why the Economy Won’t Tank the Housing Market
If you’re worried about a coming recession, you’re not alone. Over the past couple of years, there’s been a lot of recession talk. And many people worry, if we do have one, it would cause the unemployment rate to skyrocket. Some even fear that a spike in unemployment would lead to a rash of foreclosures similar to what happened 15 years ago.
However, the latest Economic Forecasting Survey from the Wall Street Journal (WSJ) reveals that, for the first time in over a year, less than half (48%) of economists believe a recession will actually occur within the next year.
If those expert projections are correct, more people will lose their jobs in the upcoming year. And job losses of any kind are devastating for those people and their loved ones.
However, the question here is: will there be enough job losses to cause a wave of foreclosures that will crash the housing...
Why the Economy Won’t Tank the Housing Market If you’re worried about a coming recession, you’re not alone.

Are The Top 3 Housing Market Questions on Your Mind?
When it comes to what’s happening in the housing market, there’s a lot of confusion going around right now. And, if you’re thinking about making a move, that can leave you with a lot of lingering questions.
1. What’s Next for Mortgage Rates?
Mortgage rates are higher than they’ve been in recent years. And, if you’re looking to buy a home, that impacts how much you can afford. That’s why so many buyers want to know what’s ahead for mortgage rates. The answer to that question is: no one can say for certain, but here’s what we know based on historical trends.
Over the past year, inflation was up, so mortgage rates were as well. But inflation is easing now. And this is why the Federal Reserve has recently paused their federal funds rate hikes, which means many experts believe mortgage rates will begin to come down.
2. Where Are Home Prices Headed?
While...
Are The Top 3 Housing Market Questions on Your Mind? When it comes to what’s happening in the housing market, there’s a lot of confusion going around right now.

Water-saving gardening ideas If you’re trying to find eco-friendly gardening ideas, the

Is Wall Street Buying Up All the Homes in America?
If you’re thinking about buying a home, you may find yourself interested in the latest real estate headlines so you can have a pulse on all of the things that could impact your decision. If that’s the case, you’ve probably heard mention of investors, and wondered how they’re impacting the housing market right now. That could leave you asking yourself questions like:
• How many homes do investors own?
• Are institutional investors, like large Wall Street Firms, really buying up so many homes that the average person can’t find one?
Let’s start with establishing how many single-family homes (SFHs) there are and what portion of those are rentals owned by investors. According to SFR Investor, which studies the single-family rental market in the United States, there are eighty-two million single-family homes in this country. But how many of them are actually rentals...
Is Wall Street Buying Up All the Homes in America? If you’re thinking about buying a home, you may find yourself interested in the latest real estate headlines so you can have a pulse on all of the things that could impact your decision.

Strasburg, VA Real Estate Market Update 11/25/2023 Click here to view Strasburg, VA blog post which has information on the constantly changing market trends.
![Why Homeowners Feel Thankful for Their Homes [INFOGRAPHIC]](https://img4.findglocal.com/067/862/748092270678621.jpg)
Why Homeowners Feel Thankful for Their Homes [INFOGRAPHIC]
Here are three reasons why homeowners feel thankful for their homes. First, it’s a safe place that can give you a greater sense of comfort, safety, and security. Second, it gives you freedom of expression. From the color of the paint to the art on the walls, you can express your style and your personality. Third, it provides a sense of community. Owning your home helps you build lasting friendships with neighbors and connects you to your community. If you're thinking of buying a home and want to hear more about the potential benefits, DM me.
Why Homeowners Feel Thankful for Their Homes [INFOGRAPHIC] Here are three reasons why homeowners feel thankful for their homes.

Why Homeowners Are Thankful They Own
Countless people have set out on the exciting journey of homeownership. Ask around and you’ll find the vast majority are thankful they took the leap and bought a home. But why? It’s because of the many emotional and lifestyle benefits that come with being a homeowner.
It’s a Safe Haven
Owning a home goes beyond just having a roof over your head.
Your home is a place where you can truly relax and unwind. Knowing that you have a sanctuary to return to at the end of the day is a great source of comfort.
It’s a Canvas for Self-Expression
For many homeowners, their home is a reflection of who they are. Put simply, owning a home gives you the freedom to make changes and improvements that resonate with your personality.
It Helps You Feel More Connected to the Community
As NAR states: “Remaining in one neighborhood for several years allows you and your family time to build...
Why Homeowners Are Thankful They Own Countless people have set out on the exciting journey of homeownership.

Home Prices Still Growing – Just at a More Normal Pace
If you’re feeling a bit muddy on what’s happening with home prices, that’s no surprise. Some people are still saying prices are falling, even though data proves otherwise. Part of that misconception is because people are getting their information from unreliable sources. But it’s also coming from some media coverage misrepresenting what the data really shows.
Normal Home Price Seasonality Explained
In the housing market, there are predictable ebbs and flows that happen each year. It’s called seasonality. Spring is the peak homebuying season when the market is most active. That activity is typically still strong in the summer but begins to wane as the cooler months approach.
Home prices follow along with seasonality because prices appreciate most when something is in high demand. That’s why there’s a reliable long-term home price trend.
This Year...
Home Prices Still Growing – Just at a More Normal Pace If you’re feeling a bit muddy on what’s happening with home prices, that’s no surprise.

Is it time to make the change from renting to owning a home? For many, the homebuying journey often starts with getting p

Is Your House the Top Thing on a Buyer’s Wish List this Holiday Season?
This time every year, homeowners who are planning to move have a decision to make: sell now or wait until after the holidays? Some sellers with homes already on the market may even remove their listing until the new year.
But the truth is, many buyers want to purchase a home for the holidays, and your house might be just what they’re looking for.
To help prove that point, here are four reasons you shouldn’t wait to sell your house.
1. The desire to own a home doesn’t stop during the holidays. A recent article from Investopedia says: “Anyone shopping for a new home between Thanksgiving and New Year’s is likely going to be a serious buyer. Putting your home on the market at this time of year and attracting a serious buyer can often result in a quicker sale.”
2. While the supply of homes for sale has increased a little bit lately, overall inventory...
Is Your House the Top Thing on a Buyer’s Wish List this Holiday Season? This time every year, homeowners who are planning to move have a decision to make: sell now or wait until after the holidays?

Wi******er, VA Real Estate Market Update 11/20/2023 Click here to view Wi******er, VA blog post which has information on the constantly changing market trends.
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