Month: August 2025

Today’s buyers aren’t just looking for location and square footage—they’re also looking for convenience, efficiency, and technology. Smart home upgrades like video doorbells, smart thermostats, and app-controlled lighting are becoming increasingly popular, and they can even add value to your home when it’s time to sell. The appeal of these features is simple: they make daily life easier. Imagine being able to adjust the temperature before you get home, or checking security cameras while on vacation. For many homeowners, these upgrades provide both peace of mind and energy savings, making them a win-win investment. From a mortgage perspective, improving your home’s value through smart upgrades can pay off down the road. Higher value means more equity, and more equity can open up opportunities for refinancing, future upgrades, or even funding…

August has brought new dynamics to the U.S. housing market, with signs of cooling after years of runaway price growth. On a national level, home price appreciation is slowing: the median existing home price in June 2025 was up just 2% year-over-year, a stark contrast to double-digit increases during 2021-22. In fact, experts are forecasting more modest gains moving forward, and several major forecasters expect some markets to experience outright price declines. Notably, nearly half of the country’s largest metro areas—including Austin, Los Angeles, and Miami—are seeing year-over-year price drops, with the sharpest declines concentrated in the South and West Rising inventory is reshaping buyer and seller behavior across the country. There are now over 1.1 million active listings nationwide, the highest level since before the pandemic. This uptick is…

If you're a first-time homebuyer looking to break into the market, house hacking could be your secret weapon. This clever strategy involves living in one part of your property while renting out another—helping you cover your monthly mortgage payments and reduce your living expenses. Whether it’s a duplex, a basement unit, or even just a spare bedroom, house hacking can turn your home into a financial asset from day one. Many buyers use FHA loans, which allow low down payments, to purchase multi-unit properties (up to four units) as long as they live in one of them. That means you could buy a duplex, live in one unit, and have your tenant’s rent contribute to—or even fully cover—your mortgage. It’s an especially attractive option in today’s high-cost housing markets where…