[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fbwk2pqjjqsc7":3,"$fgpr866nk36b9":124},[4,8,12,16,20,24,28,32,36,40,44,48,52,56,60,64,68,72,76,80,84,88,92,96,100,104,108,112,116,120],{"id":5,"name":6,"slug":7},1,"Uncategorized","uncategorized",{"id":9,"name":10,"slug":11},5,"For Buyers","buyers",{"id":13,"name":14,"slug":15},6,"For Sellers","sellers",{"id":17,"name":18,"slug":19},7,"Foreclosures","foreclosures",{"id":21,"name":22,"slug":23},8,"Infographics","infographics",{"id":25,"name":26,"slug":27},9,"Home Prices","home-prices",{"id":29,"name":30,"slug":31},11,"First-Time Buyers","first-time-buyers",{"id":33,"name":34,"slug":35},34,"Senior Market","senior-market",{"id":37,"name":38,"slug":39},35,"Mortgage Rates","mortgage-rates",{"id":41,"name":42,"slug":43},38,"Move-Up","move-up",{"id":45,"name":46,"slug":47},41,"For Sale by Owner","for-sale-by-owner",{"id":49,"name":50,"slug":51},42,"Featured","featured",{"id":53,"name":54,"slug":55},45,"New Construction","new-construction",{"id":57,"name":58,"slug":59},52,"Luxury \u002F Vacation","luxury--vacation",{"id":61,"name":62,"slug":63},53,"Rent vs. Buy","rent-vs-buy",{"id":65,"name":66,"slug":67},80,"Time-sensitive","time-sensitive",{"id":69,"name":70,"slug":71},81,"Outdated","outdated",{"id":73,"name":74,"slug":75},147,"Internal","internal",{"id":77,"name":78,"slug":79},148,"Do Not Autopost","do-not-autopost",{"id":81,"name":82,"slug":83},320,"Inventory","inventory",{"id":85,"name":86,"slug":87},321,"Agent Value","agent-value",{"id":89,"name":90,"slug":91},322,"Affordability","affordability",{"id":93,"name":94,"slug":95},323,"Buying Tips","buying-tips",{"id":97,"name":98,"slug":99},324,"Downsize","downsize",{"id":101,"name":102,"slug":103},325,"Economy","economy",{"id":105,"name":106,"slug":107},326,"Equity","equity",{"id":109,"name":110,"slug":111},327,"Forecasts","forecasts",{"id":113,"name":114,"slug":115},328,"Selling Tips","selling-tips",{"id":117,"name":118,"slug":119},339,"Expired\u002FWithdrawn\u002FCanceled","expiredwithdrawncanceled",{"id":121,"name":122,"slug":123},340,"Price It Right\u002FOverpricing","price-it-rightoverpricing",{"items":125,"totalCount":299,"hasMore":300},[126,144,159,175,193,210,228,244,260,277],{"id":127,"slug":128,"title":129,"description":130,"excerpt":131,"contentType":132,"featuredImage":133,"bannerImage":131,"body":134,"agentsBottomLine":135,"bodyImage":131,"isInfographic":136,"categories":137,"isVideo":136,"videoThumbnail":131,"videoSource":131,"publishedAt":142,"updatedAt":143},103458,"move-up-buyers-are-choosing-new-construction","Move-Up Buyers Are Choosing New Construction","\u003Cp>At some point, a house that once felt perfect just… doesn’t anymore.\u003C\u002Fp>","","blog","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260211\u002F20260216-Blog-Header-Image-original.png","\u003Cp>At some point, a house that once felt perfect just… doesn’t anymore.\u003C\u002Fp>\u003Cp>Maybe you need more space.\u003C\u002Fp>\u003Cp>Maybe working from home turned your dining room into a permanent office.\u003C\u002Fp>\u003Cp>Maybe the layout just doesn’t match how you live now.\u003C\u002Fp>\u003Cp>If your current house is starting to feel like it’s holding you back instead of supporting your life, it’s natural to think about \u003Ca href=\"\u002F2025\u002F12\u002F04\u002Fwhy-more-homeowners-are-giving-up-their-low-mortgage-rate\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">making a move\u003C\u002Fa>. But that brings up the next big question:\u003Cstrong>\u003Cem> once you sell, where do you go?\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>For a growing number of \u003Ca href=\"\u002F2026\u002F01\u002F01\u002Fmore-buyers-are-planning-to-move-in-2026-heres-how-to-get-ready\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">buyers\u003C\u002Fa>, the answer is something brand new.\u003C\u002Fp>\u003Ch4>\u003Cstrong>New Construction Is a More Popular Choice Lately\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>According to the \u003Cem>National Association of Realtors\u003C\u002Fem> (NAR), more people are buying new homes than they have in years. The latest \u003Ca href=\"https:\u002F\u002Fwww.nar.realtor\u002Fresearch-and-statistics\u002Fresearch-reports\u002Fhighlights-from-the-profile-of-home-buyers-and-sellers\" rel=\"noopener noreferrer\" target=\"_blank\">annual data\u003C\u002Fa> available shows \u003Cstrong>16% of homes purchased were newly built.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>At first glance you may not see why that’s a big deal. But that’s actually \u003Cstrong>the highest share of new home purchases in almost two decades.\u003C\u002Fstrong>\u003C\u002Fp>\u003Ch4>\u003Cstrong>Why More Buyers Are Choosing a Brand-New Construction\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>For many buyers, especially move-up buyers, new construction isn’t just about aesthetics. It’s about lifestyle, convenience, and peace of mind.\u003C\u002Fp>\u003Ch4>\u003Cstrong>1. Everything Is Brand New\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>You’re not inheriting someone else’s projects. No wondering how old the roof is. No budgeting for a new HVAC right after move-in. No big surprises when the previous owners patch job fails. For move-up buyers who’ve been dumping money into updating their current house, that’s a win.\u003C\u002Fp>\u003Ch4>\u003Cstrong>2. You Can Customize Before Move In\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>If you choose a home that's still under construction, you could have the chance to pick the flooring, counters, cabinets, hardware, lighting, and so much more. That level of personalization can be a draw for move-up buyers like you, because it allows you to hand pick the fit and finishes you've been wanting for so long.\u003C\u002Fp>\u003Ch4>\u003Cstrong>3. A Home Designed for How People Live Today\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>Most new construction homes are built to current building standards and buyer preferences, which means you could see built-in smart home features, better energy efficiency (which can lower utility bills), and even more modern floor plans and features. And if your layout just isn’t working for you anymore, you may find exactly what you need now in a new home.\u003C\u002Fp>\u003Ch4>\u003Cstrong>4. Neighborhood Amenities\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>New developments often include shared community spaces like walking trails, parks, playgrounds, or even pools and gyms. For families and active households, that’s a big bonus to have that just a few steps out of their front door.\u003C\u002Fp>\u003Ch4>\u003Cstrong>5. Builder Incentives\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>Not to mention, since there are more new homes on the market than the norm, builders are motivated to sell what they have. So, you may find they’re more willing to \u003Ca href=\"\u002F2025\u002F12\u002F08\u002Fthis-may-be-the-best-time-to-buy-a-brand-new-home\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">negotiate\u003C\u002Fa> than you’d expect on things like price, upgrades, and more.\u003C\u002Fp>","\u003Cp>If your current house isn’t meeting your needs anymore, don’t assume your only choice is an existing home. New construction is becoming a real contender, especially for move-up buyers who want space, features, and a home that works for how they live now.\u003C\u002Fp>\u003Cp>\u003Cstrong>Curious whether new construction might be a fit for \u003Cem>you\u003C\u002Fem>? Let’s chat.\u003C\u002Fstrong>\u003C\u002Fp>",false,[138,139,140,141],{"id":9,"name":10,"slug":11},{"id":13,"name":14,"slug":15},{"id":41,"name":42,"slug":43},{"id":53,"name":54,"slug":55},"2026-02-16T11:30:00Z","2026-02-16T11:30:25Z",{"id":145,"slug":146,"title":147,"description":148,"excerpt":131,"contentType":132,"featuredImage":149,"bannerImage":131,"body":150,"agentsBottomLine":151,"bodyImage":152,"isInfographic":136,"categories":153,"isVideo":136,"videoThumbnail":131,"videoSource":131,"publishedAt":157,"updatedAt":158},99592,"your-equity-could-change-everything-about-your-next-move","Your Equity Could Change Everything About Your Next Move","\u003Cp>A lot of people are asking the same thing right now: “Is it even a good time to sell?” And the truth may come as a bit of a surprise...\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251209\u002F20251211-Blog-Header-Image-original.png","\u003Cp>A lot of people are asking the same thing right now: \u003Cem>“Is it even a good time to sell?”\u003C\u002Fem> And \u003Ca href=\"\u002F2025\u002F11\u002F24\u002F4-reasons-your-house-is-high-on-every-buyers-wish-list-this-season\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">the truth\u003C\u002Fa> may come as a bit of a surprise...\u003C\u002Fp>\u003Cp>For many homeowners, the answer is a strong \u003Cstrong>yes\u003C\u002Fstrong>.\u003C\u002Fp>\u003Cp>Why? Because of one major factor working in your favor: \u003Cstrong>your equity. \u003C\u002Fstrong>Odds are, if you’ve lived in your home for a while, you know you have significant equity. But how much are we really talking about? The number might just change everything about your next move.\u003C\u002Fp>\u003Ch4>\u003Cstrong>The Hidden Wealth of Homeownership\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>Here’s how it works. When you own a home, you build up something called \u003Ca href=\"\u002F2025\u002F11\u002F05\u002Fwhy-your-home-equity-still-puts-you-way-ahead\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cstrong>equity\u003C\u002Fstrong>\u003C\u002Fa>.\u003C\u002Fp>\u003Cp>Each time you make a mortgage payment, you’re chipping away at your loan balance. And that helps your ownership stake in your home grow. At the same time, home values typically rise – which drives up the overall value of your home.\u003C\u002Fp>\u003Cp>When you put those two things together, you’re building wealth automatically, month after month, year after year.\u003C\u002Fp>\u003Cp>And that combo can add up to \u003Cstrong>\u003Cem>real \u003C\u002Fem>\u003C\u002Fstrong>dollars that can make a \u003Cstrong>\u003Cem>real \u003C\u002Fem>\u003C\u002Fstrong>difference in your move. That’s especially true if you’ve lived in your house for a while, which many homeowners have. According to \u003Cem>Realtor.com\u003C\u002Fem>:\u003C\u002Fp>\u003Cblockquote>\u003Cstrong>\u003Cem>“Nearly half (45.2%) of today’s homeowners have lived in their home for more than 15 years, and 1 in 4 for over 25 years.”\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fblockquote>\u003Cp>If that’s you, just imagine what 15-25 years of payments + steady appreciation have done to your bottom line. It's time you see how your equity stacks up over time.\u003C\u002Fp>\u003Ch4>\u003Cstrong>What That Really Means in Dollars\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>This chart uses \u003Ca href=\"https:\u002F\u002Fwww.realtor.com\u002Fresearch\u002Ffall-sell-2025\" rel=\"noopener noreferrer\" target=\"_blank\">research\u003C\u002Fa> coming out of\u003Cem> Realtor.com\u003C\u002Fem> to show an estimate of how much equity homeowners have built up depending on when they bought. For each time frame, it takes the median-priced home and uses it as the baseline example. The numbers are shocking, too. According to the study, if you bought the average-priced home in...\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>The mid-90s?\u003C\u002Fstrong> You could be sitting on \u003Cstrong>over $400,000\u003C\u002Fstrong> in equity now.\u003C\u002Fli>\u003Cli>\u003Cstrong>The early 2000s?\u003C\u002Fstrong> You could have over \u003Cstrong>$330,000\u003C\u002Fstrong>, even with owning during the housing crash.\u003C\u002Fli>\u003Cli>\u003Cstrong>In 2015?\u003C\u002Fstrong> Even\u003Cstrong> \u003C\u002Fstrong>in that shorter 10-year time frame, many homeowners have\u003Cstrong> \u003C\u002Fstrong>already built nearly \u003Cstrong>$285,000\u003C\u002Fstrong> in equity.\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251209\u002F20251211-Real-Examples-of-How-Homeowners-Gain-Equity-Over-Time-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251209\u002F20251211-Real-Examples-of-How-Homeowners-Gain-Equity-Over-Time-original.png\" alt=\"a table with numbers and text\">\u003C\u002Fa>Of course, your actual number is going to vary based on the purchase price, any work you've done to the house, the size of your original down payment, and more. The point is...\u003C\u002Fp>\u003Cp>\u003Cstrong>A lot of homeowners are sitting on hundreds of thousands of dollars in equity without even realizing it.\u003C\u002Fstrong>\u003C\u002Fp>\u003Ch4>\u003Cstrong>Your Equity Could Power Your Next Move\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>Here’s where this becomes really important. \u003Cstrong>That equity can offset nearly every concern you have about moving right now.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Worried about taking on a higher mortgage rate? \u003C\u002Fstrong>Your equity could cover a significant down payment. And the more money you put down, the less you need to finance at today’s rates.\u003C\u002Fli>\u003Cli>\u003Cstrong>Unsure if you can compete in today’s market?\u003C\u002Fstrong> Thanks to your equity, you may be able to buy your next house in cash. And an all-cash offer is something that's going to appeal to a lot of sellers because they don’t have to worry about their buyer’s financing falling through at the last second.\u003C\u002Fli>\u003C\u002Ful>","\u003Cp>If you haven’t had someone help you understand the value of your home this year, now’s the perfect time to take another look. It doesn’t mean you have \u003Ca href=\"\u002F2025\u002F11\u002F19\u002Fthe-top-2-things-homeowners-need-to-know-before-selling\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">to sell\u003C\u002Fa>. But it does mean you’ll at least know what you could be working with – and how far that number can take you.\u003C\u002Fp>\u003Cp>If you want a custom professional equity assessment, let’s connect.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251209\u002F20251211-Real-Examples-of-How-Homeowners-Gain-Equity-Over-Time-original.png",[154,155,156],{"id":13,"name":14,"slug":15},{"id":41,"name":42,"slug":43},{"id":105,"name":106,"slug":107},"2025-12-11T11:30:00Z","2025-12-11T11:30:28Z",{"id":160,"slug":161,"title":162,"description":163,"excerpt":131,"contentType":132,"featuredImage":164,"bannerImage":131,"body":165,"agentsBottomLine":166,"bodyImage":167,"isInfographic":136,"categories":168,"isVideo":136,"videoThumbnail":131,"videoSource":131,"publishedAt":173,"updatedAt":174},98830,"why-so-many-people-are-thankful-they-bought-a-home-this-year","Why So Many People Are Thankful They Bought a Home This Year","\u003Cp>Homebuyers are weighing their options right now, and they certainly have a lot on their minds. \u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251124\u002F20251127-Blog-Header-Image-original.png","\u003Cp>Homebuyers are weighing their options right now, and they certainly have a lot on their minds. With everything going on in the job market, the economy, and more – there's a lot to think about these days. And maybe that’s making you wonder if it really makes sense to \u003Ca href=\"\u002F2025\u002F11\u002F13\u002Fwould-you-let-80-a-month-hold-you-back-from-buying-a-home\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">buy a home\u003C\u002Fa> right now.\u003C\u002Fp>\u003Cp>\u003Cstrong>But here’s what many recent buyers would tell you: even with all that, making a move is \u003Cem>worth it. \u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>And this is why they’re thankful they went ahead and took the plunge already. \u003Cstrong>Life doesn't wait for better market conditions. \u003C\u002Fstrong>So, your decision shouldn't be about trying to time the market perfectly. It should be about moving when the time is right for you and what you need – and it’s different for everyone.\u003C\u002Fp>\u003Ch4>\u003Cstrong>The Real Reasons People Bought a Home\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>According to the \u003Ca href=\"https:\u002F\u002Fwww.nar.realtor\u002Fresearch-and-statistics\u002Fresearch-reports\u002Fhighlights-from-the-profile-of-home-buyers-and-sellers\" rel=\"noopener noreferrer\" target=\"_blank\">latest report\u003C\u002Fa> from the \u003Cem>National Association of Realtors\u003C\u002Fem> (NAR), what’s really driving today’s moves is the desire for something \u003Cem>better \u003C\u002Fem>or something \u003Cem>different. \u003C\u002Fem>It’s a personal motivator or a change in what they need out of the home that pushed buyers to act this year (\u003Cem>see chart below\u003C\u002Fem>):\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251124\u002F20251127-The-Top-Reasons-People-Are-Buying-Homes-Today-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251124\u002F20251127-The-Top-Reasons-People-Are-Buying-Homes-Today-original.png\" alt=\"a graph of a number of people\">\u003C\u002Fa>For some, that meant trading an apartment for their very \u003Ca href=\"\u002F2025\u002F08\u002F20\u002Fcondos-could-be-a-win-for-todays-buyers\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">first house\u003C\u002Fa> – a home they can finally make their own, where they can paint the walls, plant the garden, and build a future.\u003C\u002Fp>\u003Cp>For others, it meant getting closer to the people who matter most. Living near family or friends isn’t just convenient, it changes your everyday life. Sunday dinners, quick visits, extra help when you need it – that kind of connection is priceless.\u003C\u002Fp>\u003Cp>And for many buyers, it’s the peace of finding a home that finally \u003Cem>fits.\u003C\u002Fem> It’s finally having space to grow: a bigger kitchen for family dinners, or bedrooms where kids can decorate their own walls and carve out their own corners of the world.\u003C\u002Fp>\u003Cp>Or, it’s about simplifying. \u003Ca href=\"\u002F2025\u002F09\u002F25\u002Fdownsizing-without-debt-how-more-homeowners-are-buying-their-next-house-in-cash\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">Downsizing\u003C\u002Fa> to something smaller, easier to maintain, and closer to what matters most can make everyday life feel lighter and less stressful.\u003C\u002Fp>\u003Ch4>\u003Cstrong>What You Miss Out on If You Try To Time the Market\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>No matter the reason, these buyers all share something in common: \u003Cem>they stopped waiting for perfect timing and focused on creating the life they wanted now.\u003C\u002Fem> And if you asked them, \u003Cstrong>odds are they’d say that decision is paying off every day.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>That’s what makes a move meaningful. Not the market conditions, but the freedom and happiness that come from living in a home that truly fits. So, while headlines may keep everyone guessing, the people who’ve already made their move are sleeping better, living fuller, and enjoying homes that finally feel right.\u003C\u002Fp>\u003Cp>Because once your home finally matches your life, everything else starts to fall into place. And that’s exactly how you deserve to feel. \u003C\u002Fp>","\u003Cp>The people who bought a home this year didn’t wait for perfect market conditions to line up. They acted on what they needed in their life. And they’re thankful they did.\u003C\u002Fp>\u003Cp>If you’re feeling the pull toward something better, let’s talk through your goals. Your next home could bring you more space, more connection, and more happiness than you think.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251124\u002F20251127-The-Top-Reasons-People-Are-Buying-Homes-Today-original.png",[169,170,171,172],{"id":9,"name":10,"slug":11},{"id":29,"name":30,"slug":31},{"id":41,"name":42,"slug":43},{"id":97,"name":98,"slug":99},"2025-11-27T11:30:00Z","2025-11-27T11:30:15Z",{"id":176,"slug":177,"title":178,"description":179,"excerpt":131,"contentType":132,"featuredImage":180,"bannerImage":131,"body":181,"agentsBottomLine":182,"bodyImage":183,"isInfographic":136,"categories":184,"isVideo":136,"videoThumbnail":131,"videoSource":131,"publishedAt":191,"updatedAt":192},96635,"the-280-shift-in-affordability-every-homebuyer-should-know","The $280 Shift in Affordability Every Homebuyer Should Know","\u003Cp>If you paused your plans to move because of high rates or prices, it may finally be time to take a second look at your numbers. \u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251014\u002F20251016-Blog-Header-Image-original.png","\u003Cp>If you paused your plans to move because of high rates or prices, it may finally be time to take a second look at your numbers. \u003Cstrong>Affordability is \u003C\u002Fstrong>\u003Ca href=\"https:\u002F\u002Fblog.firstam.com\u002Feconomics\u002Faffordability-improves-for-fifth-straight-month-offering-a-glimmer-of-hope-for-the-housing-market\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cstrong>improving\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> \u003C\u002Fstrong>in 39 of the top 50 markets, according to \u003Cem>First American. \u003C\u002Fem>And that’s the \u003Ca href=\"https:\u002F\u002Fblog.firstam.com\u002Feconomics\u002Faffordability-improves-for-fifth-straight-month-offering-a-glimmer-of-hope-for-the-housing-market\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cstrong>5th straight month\u003C\u002Fstrong>\u003C\u002Fa> where buying a home has started to get a little bit easier.\u003C\u002Fp>\u003Cp>Let’s break this down into real dollars, so you can see the difference this could make for you (and your move).\u003C\u002Fp>\u003Ch4>\u003Cstrong>Monthly Payments Are Coming Down\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>One of the clearest signs of this shift is in monthly payments. The latest data from \u003Cem>Redfin\u003C\u002Fem> shows \u003Cstrong>mortgage payments on a median-priced home are now $283 lower than they were just a few months ago \u003C\u002Fstrong>(\u003Cem>see graph below\u003C\u002Fem>):\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251014\u002F20251016-Monthly-Payments-Are-Down-283-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251014\u002F20251016-Monthly-Payments-Are-Down-283-original.png\" alt=\"a graph of a graph of money\">\u003C\u002Fa>This kind of monthly savings adds up fast, and totals nearly \u003Cstrong>$3,400 over the course of a year\u003C\u002Fstrong>.\u003C\u002Fp>\u003Cp>While this isn’t enough to completely change the affordability game overnight, think about it this way. When you’re putting together a homebuying budget, a few hundred dollars could be the difference between being comfortable buying and feeling like money’s a bit tight.\u003C\u002Fp>\u003Cp>And from a home-search perspective, it could even be enough to change the price point you can look at. According to \u003Cem>Redfin\u003C\u002Fem>:\u003C\u002Fp>\u003Cblockquote>\u003Cem>“A borrower with a $3,000 monthly budget can now afford a $468,000 home, about $22,000 more than in June.\"\u003C\u002Fem>\u003C\u002Fblockquote>\u003Cp>And that’s a big deal if you haven’t found a home you love in your price range yet. It gives you a little more flexibility to find the one that’s right for you.\u003C\u002Fp>\u003Cp>Either way, that’s a big win.\u003C\u002Fp>\u003Ch4>\u003Cstrong>What’s Behind the Shift?\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>Two key factors are working in your favor right now:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Mortgage rates have eased from their high earlier this year\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>\u003Cstrong>Home price growth is slowing in many markets\u003C\u002Fstrong>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>Both of those things help your bottom line and give you a bit of breathing room if you’re buying a home. As Andy Walden, Head of Mortgage and Housing Market Research\u003Cem> \u003C\u002Fem>at \u003Cem>ICE Mortgage Technology\u003C\u002Fem>, \u003Ca href=\"https:\u002F\u002Fmortgagetech.ice.com\u002Fresources\u002Fdata-reports\u002Foctober-2025-mortgage-monitor\" rel=\"noopener noreferrer\" target=\"_blank\">says\u003C\u002Fa>:\u003C\u002Fp>\u003Cblockquote>\u003Cem>“The recent pullback in rates has created a tailwind for both homebuyers and existing borrowers. \u003C\u002Fem>\u003Cstrong>\u003Cem>We’re seeing affordability at a 2.5-year high . . .”\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fblockquote>\u003Cp>Whether you’re a first-time homebuyer or someone looking to move-up into a bigger house, the shifts happening this year could make your move possible. Connect with a trusted agent or lender to see what your monthly payment would look like at today’s rates.\u003C\u002Fp>\u003Cp>\u003Cstrong>For you, the savings could be the difference between “not yet” and “let’s go.”\u003C\u002Fstrong>\u003C\u002Fp>","\u003Cp>\u003Cstrong>Affordability is improving in many markets. And that resets the math on your move.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>If you’ve been sitting on the sidelines, this is your cue to start looking again. Let’s run the local numbers together so you can get a rough estimate of how much more buying power you may have than you did just a few months ago.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251014\u002F20251016-Monthly-Payments-Are-Down-283-original.png",[185,186,187,188,189,190],{"id":13,"name":14,"slug":15},{"id":29,"name":30,"slug":31},{"id":37,"name":38,"slug":39},{"id":41,"name":42,"slug":43},{"id":89,"name":90,"slug":91},{"id":93,"name":94,"slug":95},"2025-10-16T10:30:00Z","2025-10-16T10:30:12Z",{"id":194,"slug":195,"title":196,"description":197,"excerpt":131,"contentType":132,"featuredImage":198,"bannerImage":131,"body":199,"agentsBottomLine":200,"bodyImage":201,"isInfographic":136,"categories":202,"isVideo":136,"videoThumbnail":131,"videoSource":131,"publishedAt":208,"updatedAt":209},96378,"why-more-buyers-are-turning-to-new-construction-this-year","Why More Buyers Are Turning to New Construction This Year","\u003Cp>There’s a trend taking hold in real estate right now: more buyers are choosing newly built homes.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251009\u002F20251013-Blog-Header-Image-original.png","\u003Cp>There’s a trend taking hold in real estate right now: more buyers are choosing newly built homes. And it’s not just about getting the latest technology or modern floorplans. It’s because they may be able to get a better deal.\u003C\u002Fp>\u003Cp>Builders are offering serious incentives today, and people are jumping on them.\u003Cstrong> \u003C\u002Fstrong>In fact,\u003Cstrong> \u003C\u002Fstrong>\u003Ca href=\"https:\u002F\u002Fwww.census.gov\u002Fconstruction\u002Fnrs\u002Fpdf\u002Fnewressales.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cstrong>new home sales\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> just hit their highest level in over two years \u003C\u002Fstrong>(\u003Cem>see graph below\u003C\u002Fem>):\u003C\u002Fp>\u003Ch4>\u003Cstrong>\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251009\u002F20251013-New-Home-Sales-Hit-The-Highest-Level-original.png\">Why Builders Are Throwing in Perks\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>There are \u003Ca href=\"\u002F2025\u002F08\u002F28\u002Fwhat-everyones-getting-wrong-about-the-rise-in-new-home-inventory\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">more\u003C\u002Fa> newly built homes for sale right now than there have been in years. And as a buyer, that can help you in two big ways. It gives you more options to choose from on the market, and it motivates builders to sell their inventory before they build more.\u003C\u002Fp>\u003Cp>That’s exactly why more buyers are scoring incentives like these:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Mortgage rate buydowns\u003C\u002Fstrong> to shrink your monthly payment\u003C\u002Fli>\u003Cli>\u003Cstrong>Price cuts\u003C\u002Fstrong> that make homeownership more attainable\u003C\u002Fli>\u003Cli>\u003Cstrong>Help with closing costs\u003C\u002Fstrong> and even upgrades in some communities\u003C\u002Fli>\u003C\u002Ful>\u003Cp>The best part is, a lot of builders are offering these perks right now.\u003Cem> \u003C\u002Fem>\u003Ca href=\"https:\u002F\u002Fzondahome.com\u002Fnew-home-market-update\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">According\u003C\u002Fa> to \u003Cem>Zonda\u003C\u002Fem>, nearly \u003Cstrong>6 out of 10 new home communities are doing incentives on to-be-built homes. And over 75% are doing the same for quick move-ins\u003C\u002Fstrong>, which are homes that are already built and ready to move into. As real estate analyst Nick Gerli explains:\u003C\u002Fp>\u003Cblockquote>\u003Cem>“\u003C\u002Fem>\u003Cstrong>\u003Cem>. . . builders are adjusting to the realities of the current housing market.\u003C\u002Fem>\u003C\u002Fstrong>\u003Cem> They’ve cut prices 13 percent from peak, and are giving generous mortgage rate buydowns on top of that.”\u003C\u002Fem>\u003C\u002Fblockquote>\u003Cp>The big takeaway is: builders are motivated to sell. So, you could snag a lower price and maybe even a lower mortgage rate if you buy new. If you’ve been feeling priced out, these offers might be your way back in.\u003C\u002Fp>\u003Ch4>\u003Cstrong>You Have More Brand-New Options Than Normal\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>Since there are more new homes on the market than usual, that gives you more options than you've had in years. Whether you’re looking for something turnkey or want to personalize a build, odds are there’s more available near you than you may realize.\u003C\u002Fp>\u003Cp>Even though the number of new homes for sale is up throughout the country, there are pockets where you have an \u003Cem>even better chance\u003C\u002Fem> to find a better price. According to \u003Cem>Census\u003C\u002Fem> \u003Ca href=\"https:\u002F\u002Fwww.census.gov\u002Fconstruction\u002Fnrs\u002Fcurrent\u002Findex.html\" rel=\"noopener noreferrer\" target=\"_blank\">data\u003C\u002Fa>, here’s a high-level look at which parts of the country are seeing the biggest boost in newly built homes (\u003Cem>see graph below\u003C\u002Fem>):\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251009\u002F20251013-There-Are-More-Brand-New-Homes-Available-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251009\u002F20251013-There-Are-More-Brand-New-Homes-Available-original.png\" alt=\"a graph of blue squares\">\u003C\u002Fa>Both the South and West have more new homes available, so you may find builders are even more willing to negotiate in these regions.\u003C\u002Fp>\u003Cp>Just know that this opportunity won’t last forever. Recent data shows builders are slowing down their production efforts. And a lot of that is to avoid having too many homes for sale. As Robert Dietz, Chief Economist at the \u003Cem>National Association of Home Builders\u003C\u002Fem> (NAHB), explains:\u003C\u002Fp>\u003Cblockquote>\u003Cem>“The slowdown in single-family home building has narrowed the home building pipeline. There are currently 621,000 single-family homes under construction, down 1% in July and 3.7% lower than a year ago. \u003C\u002Fem>\u003Cstrong>\u003Cem>This is the lowest level since early 2021 as builders pull back on supply\u003C\u002Fem>\u003C\u002Fstrong>\u003Cem>.”\u003C\u002Fem>\u003C\u002Fblockquote>\u003Cp>Moving forward, the number of new options may start to shrink as builders focus more on selling what’s already built before they add more. \u003Cstrong>So, the best time in years to buy a \u003C\u002Fstrong>\u003Ca href=\"\u002F2025\u002F08\u002F13\u002Fare-these-myths-about-buying-a-newly-built-home-holding-you-back\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cstrong>new home\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> may actually be right now.\u003C\u002Fstrong>\u003C\u002Fp>","\u003Cp>\u003Cstrong>With builders cutting prices \u003Cem>and\u003C\u002Fem> maybe even helping you score a lower monthly payment, that’s not something to overlook.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>If you want to see how active builders are in your target area and what they’re offering, here’s your power move: before you even begin looking, let's connect. \u003C\u002Fp>\u003Cp>That way, you have your own agent to help you compare incentives from multiple builders and negotiate on your behalf, making sure you get\u003Cem> \u003C\u002Fem>the best deal possible.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20251009\u002F20251013-New-Home-Sales-Hit-The-Highest-Level-original.png",[203,204,205,206,207],{"id":9,"name":10,"slug":11},{"id":41,"name":42,"slug":43},{"id":53,"name":54,"slug":55},{"id":89,"name":90,"slug":91},{"id":93,"name":94,"slug":95},"2025-10-13T10:30:00Z","2025-10-13T10:30:10Z",{"id":211,"slug":212,"title":213,"description":214,"excerpt":131,"contentType":132,"featuredImage":215,"bannerImage":131,"body":216,"agentsBottomLine":217,"bodyImage":218,"isInfographic":136,"categories":219,"isVideo":136,"videoThumbnail":131,"videoSource":131,"publishedAt":226,"updatedAt":227},95250,"3-reasons-affordability-is-showing-signs-of-improvement-this-fall","3 Reasons Affordability Is Showing Signs of Improvement This Fall","\u003Cp>For the past couple of years, it’s been tough for a lot of homebuyers to make the numbers work.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250919\u002F20250922-Blog-Header-Image-original.png","\u003Cp>For the past couple of years, it’s been tough for a lot of homebuyers to make the numbers work. Home prices shot up. Mortgage rates too. And a number of people hit pause because it just didn’t feel possible. Maybe you were one of them.\u003C\u002Fp>\u003Cp>But there’s some encouraging news. If you’ve been waiting for a better time to jump back in, \u003Cstrong>affordability may finally be showing signs of improvement this fall.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>The latest data from \u003Cem>Redfin\u003C\u002Fem> shows the typical monthly mortgage payment has been coming down, and is now about \u003Cstrong>$290 lower than it was just a few months ago\u003C\u002Fstrong> (\u003Cem>see graph below\u003C\u002Fem>):\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250919\u002F20250922-Monthly-Mortgage-Payments-Are-Trending-Down-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250919\u002F20250922-Monthly-Mortgage-Payments-Are-Trending-Down-original.png\" alt=\"a graph of a graph of a mortgage payment\">\u003C\u002Fa>And here’s why this is happening. The cost of buying a home really comes down to three things:\u003C\u002Fp>\u003Cul>\u003Cli>Mortgage rates\u003C\u002Fli>\u003Cli>Home prices\u003C\u002Fli>\u003Cli>Your wages\u003C\u002Fli>\u003C\u002Ful>\u003Cp>Right now, all three are finally moving in a better direction for you. While that doesn’t mean it’s suddenly easy to buy at today’s rates and prices, it does mean it’s not as challenging.\u003C\u002Fp>\u003Ch4>\u003Cstrong>1. Mortgage Rates\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.freddiemac.com\u002Fpmms\u002Farchive\" rel=\"noopener noreferrer\" target=\"_blank\">Mortgage rates\u003C\u002Fa> have come down compared to earlier this year. In May, they were roughly 7%. And now, they’re closer to 6.3% (\u003Cem>see graph below\u003C\u002Fem>):\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250919\u002F20250922-Lower-Mortgage-Rates-Are-Improving-Affordability-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250919\u002F20250922-Lower-Mortgage-Rates-Are-Improving-Affordability-original.png\" alt=\"a graph showing a line of interest\">\u003C\u002Fa>That may not sound like a big deal, but it does matter. Even small changes in rates can make a difference in your future monthly payment. Compared to when rates were 7%, if you take out an average $400K mortgage now at 6.3%, it’ll cost about $190 less a month based on just rates alone.\u003C\u002Fp>\u003Cp>And for some people, that’s been enough to make buying a home possible again. As Joel Kan, VP and Deputy Chief Economist at the \u003Cem>Mortgage Bankers Association\u003C\u002Fem> (MBA), \u003Ca href=\"https:\u002F\u002Fwww.mba.org\u002Fnews-and-research\u002Fnewsroom\u002Fnews\u002F2025\u002F09\u002F10\u002Fmortgage-application-payments-increased-in-july\" rel=\"noopener noreferrer\" target=\"_blank\">explained\u003C\u002Fa> on September 10\u003Csup>th\u003C\u002Fsup>:\u003C\u002Fp>\u003Cblockquote>\u003Cem>“\u003C\u002Fem>\u003Cstrong>\u003Cem>The downward rate movement spurred the strongest week of borrower demand since 2022 . . .\u003C\u002Fem>\u003C\u002Fstrong>\u003Cem> Purchase applications increased to the highest level since July and continued to run more than 20 percent ahead of last year’s pace.”\u003C\u002Fem>\u003C\u002Fblockquote>\u003Ch4>\u003Cstrong>2. Home Prices\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>After several years of prices rising very rapidly, price growth has finally slowed. As Odeta Kushi, Deputy Chief Economist at \u003Cem>First American\u003C\u002Fem>, \u003Ca href=\"https:\u002F\u002Fblog.firstam.com\u002Feconomics\u002Fhousing-market-turning-point-setting-the-stage-for-a-new-real-estate-cycle\" rel=\"noopener noreferrer\" target=\"_blank\">puts it\u003C\u002Fa>:\u003C\u002Fp>\u003Cblockquote>\u003Cem>“National home price growth remains positive, \u003C\u002Fem>\u003Cstrong>\u003Cem>but muted — low single digits — and we expect this trend to continue in the second half of the year.\u003C\u002Fem>\u003C\u002Fstrong>\u003Cem>”\u003C\u002Fem>\u003C\u002Fblockquote>\u003Cp>For buyers, that’s actually a big relief. That moderation makes it easier to plan your budget. And in some markets, prices have even dipped slightly. If you're in one of the markets, you may be able to find something that’s more affordable than you'd expect.\u003C\u002Fp>\u003Ch4>\u003Cstrong>3. Wages\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>According to the \u003Cem>Bureau of Labor Statistics\u003C\u002Fem> (BLS), wages are up near \u003Ca href=\"https:\u002F\u002Fwww.bls.gov\u002Fnews.release\u002Fempsit.nr0.htm\" rel=\"noopener noreferrer\" target=\"_blank\">4%\u003C\u002Fa> annually. Lawrence Yun, Chief Economist at NAR, \u003Ca href=\"https:\u002F\u002Fwww.nar.realtor\u002Fresearch-and-statistics\u002Fhousing-statistics\u002Fexisting-home-sales\" rel=\"noopener noreferrer\" target=\"_blank\">explains\u003C\u002Fa> why that number is so important right now:\u003C\u002Fp>\u003Cblockquote>\u003Cem>“Wage growth is now comfortably outpacing home price growth, and buyers have more choices.”\u003C\u002Fem>\u003C\u002Fblockquote>\u003Cp>In other words, the typical paycheck is rising faster than home prices right now, which helps make buying a little more affordable. Now, it’s not a big difference, but in a market like this, every bit counts.\u003C\u002Fp>\u003Ch4>\u003Cstrong>What This Means for You\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>Lower rates, slower price growth, and stronger wages might be enough to make the numbers finally work for you this fall. \u003C\u002Fp>\u003Cp>While affordability is still tight, it’s a little easier on your wallet to buy now than it was just few months ago. Remember, data from \u003Cem>Redfin\u003C\u002Fem> shows the typical monthly mortgage payment is already around $290 lower than it was earlier this year.\u003C\u002Fp>","\u003Cp>\u003Cstrong>Have you been wondering if it’s worth taking another look at buying?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Let’s run the numbers together. We can go over your budget, see what’s changed, and figure out if this fall is the time to turn window-shopping into key-turning.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250919\u002F20250922-Monthly-Mortgage-Payments-Are-Trending-Down-original.png",[220,221,222,223,224,225],{"id":9,"name":10,"slug":11},{"id":25,"name":26,"slug":27},{"id":37,"name":38,"slug":39},{"id":41,"name":42,"slug":43},{"id":89,"name":90,"slug":91},{"id":93,"name":94,"slug":95},"2025-09-22T10:30:00Z","2025-10-03T17:58:28Z",{"id":229,"slug":230,"title":231,"description":232,"excerpt":131,"contentType":132,"featuredImage":233,"bannerImage":131,"body":234,"agentsBottomLine":235,"bodyImage":236,"isInfographic":136,"categories":237,"isVideo":136,"videoThumbnail":131,"videoSource":131,"publishedAt":242,"updatedAt":243},95033,"do-you-know-how-much-your-house-is-really-worth","Do You Know How Much Your House Is Really Worth?","\u003Cp>Want to know something important you probably don’t have a professional check for you nearly as often as you should? Spoiler alert: it’s the value of your home.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250916\u002F20250918-Blog-Header-Image-original.png","\u003Cp>Want to know something important you probably don’t have a professional check for you nearly as often as you should? Spoiler alert: it’s the value of your home.\u003C\u002Fp>\u003Cp>Because here’s the reality. Your house is likely the biggest financial asset you have. And if you’ve lived in it for a few years or more, chances are it’s been quietly building wealth for you in the background – even if you haven’t been keeping tabs on it.\u003C\u002Fp>\u003Cp>You might be surprised by just how much it’s grown, even as the market has shifted over the past few months.\u003C\u002Fp>\u003Ch4>\u003Cstrong>What Is Home Equity?\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>That hidden wealth in your home is called \u003Cstrong>equity\u003C\u002Fstrong>. It’s the difference between what your house is worth today and what you still owe on your mortgage. Your equity grows over time as home values rise and as you make your monthly payments. Here’s an example to help you really understand how the math works.\u003C\u002Fp>\u003Cp>Let’s say your house is now worth $500,000, and you have $200,000 left to pay off on your loan. That means you have $300,000 in equity. And that’s right in line with what the typical homeowner has right now.\u003C\u002Fp>\u003Cp>\u003Cstrong>According to \u003Cem>Cotality, \u003C\u002Fem>the average homeowner with a mortgage has about \u003C\u002Fstrong>\u003Ca href=\"https:\u002F\u002Fwww.cotality.com\u002Fpress-releases\u002Fhome-equity-declines-price-appreciation-slows\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cstrong>$302,000\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> in equity.\u003C\u002Fstrong>\u003C\u002Fp>\u003Ch4>\u003Cstrong>Why You Probably Have More Than You Think\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>Here are the two main reasons homeowners like you have near record amounts of equity right now:\u003C\u002Fp>\u003Cp>\u003Cstrong>1. Significant Home Price Growth.\u003C\u002Fstrong> \u003Ca href=\"https:\u002F\u002Fwww.fhfa.gov\u002Fdata\u002Fhpi\u002Fdatasets?tab=hpi-summary-table\" rel=\"noopener noreferrer\" target=\"_blank\">According\u003C\u002Fa> to the \u003Cem>Federal Housing Finance Agency \u003C\u002Fem>(FHFA),\u003Cem> \u003C\u002Fem>home prices have jumped by nearly \u003Cstrong>54% nationwide\u003C\u002Fstrong> over the last five years (\u003Cem>see map below\u003C\u002Fem>):\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250916\u002F20250918-Percent-Change-in-Home-Prices-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250916\u002F20250918-Percent-Change-in-Home-Prices-original.png\" alt=\"a map of the united states\">\u003C\u002Fa>This means your house is likely worth much more now than when you first bought it, thanks to how much prices have climbed over time. And if you’re worried because you’ve heard prices are flattening or even coming down in some markets, just know if you’ve been in your house for a few years (or more) you very likely have enough equity to sell and still come out ahead.\u003C\u002Fp>\u003Cp>\u003Cstrong>2. People Are Living in Their Homes Longer.\u003C\u002Fstrong> \u003Ca href=\"https:\u002F\u002Fwww.nar.realtor\u002Fresearch-and-statistics\u002Fresearch-reports\u002Fhighlights-from-the-profile-of-home-buyers-and-sellers\" rel=\"noopener noreferrer\" target=\"_blank\">Data\u003C\u002Fa> from the \u003Cem>National Association of Realtors\u003C\u002Fem> (NAR), shows the average homeowner stays in their home for about 10 years now (\u003Cem>see graph below\u003C\u002Fem>):\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250916\u002F20250918-People-Are-Staying-in-Their-Homes-Longer-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250916\u002F20250918-People-Are-Staying-in-Their-Homes-Longer-original.png\" alt=\"a graph of numbers and a number of years\">\u003C\u002Fa>That’s longer than it used to be. And over that decade? You’ve built equity just by making your mortgage payments and riding the wave of rising home values. Because the financial side of homeownership is about playing the long game, not worrying about little ups and downs in the market here and there. And over time, that means you’re winning.\u003C\u002Fp>\u003Cp>So, if you’re one of those people who’s been in their home for a bit, here’s how much the behind-the-scenes price growth has helped you out. \u003Ca href=\"https:\u002F\u002Fwww.nar.realtor\u002Fblogs\u002Feconomists-outlook\u002Fa-decade-of-soaring-home-prices-where-affordability-still-thrives\" rel=\"noopener noreferrer\" target=\"_blank\">According\u003C\u002Fa> to NAR:\u003C\u002Fp>\u003Cblockquote>\u003Cem>“Over the past decade, the typical homeowner has accumulated $201,600 in wealth solely from price appreciation.”\u003C\u002Fem>\u003C\u002Fblockquote>\u003Ch4>\u003Cstrong>What Could You Actually \u003Cem>Do\u003C\u002Fem> with That Equity?\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>Your equity isn’t just a number. It’s a tool you can use to unlock your next big move. Depending on your goals, you could:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Use it to help buy your next home.\u003C\u002Fstrong> Your equity could help you cover the down payment on your next home. In some cases, it might even mean you can buy your next house in all cash.\u003C\u002Fli>\u003Cli>\u003Cstrong>Renovate your current house to better suit your life now.\u003C\u002Fstrong> And, if you’re strategic about your projects, they could add even more value to your home if you do sell later on.\u003C\u002Fli>\u003Cli>\u003Cstrong>Start the business you’ve always dreamed of. \u003C\u002Fstrong>Your equity could be exactly what you need for startup costs, equipment, software, or marketing. And that could help increase your earning potential, so you’re getting yet another financial boost.\u003C\u002Fli>\u003C\u002Ful>","\u003Cp>Chances are, your house is worth quite a bit right now. If you’re curious about the value of your home, let’s connect. We’ll run the numbers and give you a professional equity assessment report, so you know what you’re working with and where you can go from here.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250916\u002F20250918-Percent-Change-in-Home-Prices-original.png",[238,239,240,241],{"id":13,"name":14,"slug":15},{"id":41,"name":42,"slug":43},{"id":105,"name":106,"slug":107},{"id":113,"name":114,"slug":115},"2025-09-18T10:30:00Z","2025-10-03T17:58:48Z",{"id":245,"slug":246,"title":247,"description":248,"excerpt":131,"contentType":132,"featuredImage":249,"bannerImage":131,"body":250,"agentsBottomLine":251,"bodyImage":252,"isInfographic":136,"categories":253,"isVideo":136,"videoThumbnail":131,"videoSource":131,"publishedAt":258,"updatedAt":259},94273,"builder-incentives-reach-5-year-high","Builder Incentives Reach 5-Year High","\u003Cp>Even with more homes on the market right now, some buyers are still having a tough time finding the right one at the right price.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250903\u002F20250904-Blog-Header-Image-original.png","\u003Cp>Even with more homes on the market right now, \u003Cstrong>some buyers are still having a tough time finding the right one at the right price\u003C\u002Fstrong>. Maybe the layout feels off. Maybe it still needs some updating. Or maybe it’s just more of the same.\u003C\u002Fp>\u003Cp>\u003Cstrong>That’s why more buyers are turning to new construction – and finding some of the best deals available today.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Why? Today, many builders have more homes that are finished and sitting on the market than normal. And that means they’re motivated to sell. They’re running a business, and they don’t want to sit on their inventory. They want to sell it before they build more homes. And that can definitely work in your favor.\u003C\u002Fp>\u003Cp>As Lance Lambert, Co-Founder of \u003Cem>ResiClub\u003C\u002Fem>, \u003Ca href=\"https:\u002F\u002Fwww.resiclubanalytics.com\u002Fp\u002Fnew-construction-worse-than-giant-homebuilders-are-letting-on-says-builders-firstsource-ceo\" rel=\"noopener noreferrer\" target=\"_blank\">puts it\u003C\u002Fa>:\u003C\u002Fp>\u003Cblockquote>\u003Cem>“In housing markets where unsold completed inventory has built up, many homebuilders have pulled back on their spec builds—\u003C\u002Fem>\u003Cstrong>\u003Cem>and many are doing bigger incentives or outright price cuts to move unsold inventory\u003C\u002Fem>\u003C\u002Fstrong>\u003Cem>.”\u003C\u002Fem>\u003C\u002Fblockquote>\u003Ch4>\u003Cstrong>Incentives Are the Highest They’ve Been in 5 Years\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.nahb.org\u002Fnews-and-economics\u002Fpress-releases\u002F2025\u002F08\u002Fbuilder-confidence-plateaus-at-relatively-low-level\" rel=\"noopener noreferrer\" target=\"_blank\">Data\u003C\u002Fa> from the \u003Cem>National Association of Home Builders\u003C\u002Fem> (NAHB) shows \u003Cstrong>66% of builders offered sales incentives in August\u003C\u002Fstrong>. \u003Cstrong>That’s the peak so far this year, and the highest percentage we’ve seen in 5 years.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250903\u002F20250904-The-Majority-of-Builders-Are-Offering-Incentives-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250903\u002F20250904-The-Majority-of-Builders-Are-Offering-Incentives-original.png\" alt=\"a graph of blue rectangular bars with numbers\">\u003C\u002Fa>That means 2 out of every 3 builders are offering something extra to get deals done. And when builders throw in incentives, it’s the buyers like \u003Cem>you\u003C\u002Fem> who win.\u003C\u002Fp>\u003Ch4>\u003Cstrong>Price Cuts Are Back on the Table\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>One of the most common incentives they’re offering right now is adjusting the price. According to \u003Ca href=\"https:\u002F\u002Fwww.nahb.org\u002Fnews-and-economics\u002Fpress-releases\u002F2025\u002F08\u002Fbuilder-confidence-plateaus-at-relatively-low-level\" rel=\"noopener noreferrer\" target=\"_blank\">NAHB\u003C\u002Fa>, almost \u003Cstrong>40% of builders are doing price cuts \u003C\u002Fstrong>(\u003Cem>see graph below\u003C\u002Fem>):\u003C\u002Fp>\u003Cp>\u003Cstrong>\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250903\u002F20250904-Builders-Continue-To-Cut-Prices-original.png\">On average they’re taking off about 5% off the purchase price of the house.\u003C\u002Fstrong> For a buyer, 5% could be the difference between reluctantly settling and finally getting a home that works for you.\u003C\u002Fp>\u003Cp>\u003Cstrong>Take a $500,000 house as an example. If builders reduce the price by 5%, you’re saving $25,000.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>And even if the builder you’re interested in won’t budge on price, they’ve got plenty of other levers to pull. As \u003Cem>Realtor.com\u003C\u002Fem> explains: \u003C\u002Fp>\u003Cblockquote>\u003Cem>“. . . there are deals to be found in the market for new homes, with builders increasingly willing to negotiate on price or offer incentives such as rate buydowns and closing cost assistance.”\u003C\u002Fem>\u003C\u002Fblockquote>\u003Ch4>\u003Cstrong>Why This Matters for You\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>As a buyer, you probably have a clear vision for your ideal home. Because you’re not just buying \u003Cem>any\u003C\u002Fem> house. You’re buying \u003Cem>your\u003C\u002Fem> house. The one with the space, features, and lifestyle you’ve been hoping for. New builds can check those boxes since they usually have: \u003C\u002Fp>\u003Cul>\u003Cli>Bigger kitchens and open layouts\u003C\u002Fli>\u003Cli>Energy efficiency (hello lower utility bills)\u003C\u002Fli>\u003Cli>Smart-home upgrades\u003C\u002Fli>\u003Cli>Fewer repair headaches on day one\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>And today’s incentives make buying a new home more attainable than it's been in years.\u003C\u002Fstrong>\u003C\u002Fp>\u003Ch4>\u003Cstrong>One Word of Advice: Don’t Go At It Alone\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>If you want to take advantage of this opportunity, just be sure to use your own agent. Builder reps aren’t there to save \u003Cem>you\u003C\u002Fem> money. They protect the \u003Cem>builder’s\u003C\u002Fem> bottom line. That’s why you need to bring your agent with you. Your agent will:\u003C\u002Fp>\u003Cul>\u003Cli>Cut through the sales pitch and run the cold hard numbers\u003C\u002Fli>\u003Cli>Spot which incentives are actually worth it (and which ones are fluff)\u003C\u002Fli>\u003Cli>Handle negotiations so you walk away with the best deal possible\u003C\u002Fli>\u003Cli>Keep your best interest as their top priority\u003C\u002Fli>\u003C\u002Ful>","\u003Cp>If you're not finding a home you love, the new home market is buzzing with opportunity. With record-high incentives, price cuts in play, and builders itching to move inventory, this is the best time in years to buy new construction.\u003C\u002Fp>\u003Cp>\u003Cstrong>Curious how far today’s incentives could stretch your budget?\u003C\u002Fstrong> Let’s connect so you can see what builders are offering in our area.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250903\u002F20250904-The-Majority-of-Builders-Are-Offering-Incentives-original.png",[254,255,256,257],{"id":9,"name":10,"slug":11},{"id":41,"name":42,"slug":43},{"id":53,"name":54,"slug":55},{"id":93,"name":94,"slug":95},"2025-09-04T10:30:00Z","2025-09-04T10:30:27Z",{"id":261,"slug":262,"title":263,"description":264,"excerpt":131,"contentType":132,"featuredImage":265,"bannerImage":131,"body":266,"agentsBottomLine":267,"bodyImage":268,"isInfographic":136,"categories":269,"isVideo":136,"videoThumbnail":131,"videoSource":131,"publishedAt":275,"updatedAt":276},93017,"are-these-myths-about-buying-a-newly-built-home-holding-you-back","Are These Myths About Buying a Newly Built Home Holding You Back?","\u003Cp>If you’ve been skipping over newly built homes in your search, you might be doing so based on outdated assumptions.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250812\u002F20250813-Blog-Header-Image-original.png","\u003Cp>If you’ve been skipping over newly built homes in your search, you might be doing so based on outdated assumptions. Let’s clear up a few of the most common myths, so you don’t miss out on a solid opportunity.\u003C\u002Fp>\u003Ch4>\u003Cstrong>Myth 1: New Homes Are More Expensive\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>It’s easy to assume a new build will cost more than an existing home, but that’s not necessarily true, especially right now.\u003C\u002Fp>\u003Cp>Data from \u003Ca href=\"https:\u002F\u002Fwww.census.gov\u002Fconstruction\u002Fnrs\u002Fpdf\u002Fnewressales.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cem>Census\u003C\u002Fem>\u003C\u002Fa>\u003Cem> \u003C\u002Fem>and the \u003Ca href=\"https:\u002F\u002Fwww.nar.realtor\u002Fsites\u002Fdefault\u002Ffiles\u002F2025-07\u002Fehs-06-2025-overview-2025-07-23.pdf\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cem>National Association of Realtors\u003C\u002Fem>\u003C\u002Fa>\u003Cem> \u003C\u002Fem>(NAR) shows the median price of a newly built home today is actually lower than a home that’s been lived in already (an existing home):\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250812\u002F20250813-New-Homes-Cost--30K-Less-Than-Existing-Homes-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250812\u002F20250813-New-Homes-Cost--30K-Less-Than-Existing-Homes-original.png\" alt=\"a graph of sales and prices\">\u003C\u002Fa>So, why’s this happening? As Heather Long, Chief Economist at \u003Cem>Navy Federal Credit Union,\u003C\u002Fem> explains:\u003C\u002Fp>\u003Cblockquote>“\u003Cem>This largely reflects two trends: New homes are getting smaller on average, and builders are doing more price cuts\u003C\u002Fem>.”\u003C\u002Fblockquote>\u003Cp>If you’ve ruled out new construction based on price alone, it’s time to take another look. Talk to your local real estate agent to see what’s available (and at what price points).\u003C\u002Fp>\u003Ch4>\u003Cstrong>Myth 2: Builders Don't Negotiate\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>Many buyers assume builders aren’t going to play ball when it comes time to negotiate. But that's just not the case. A number of builders are sitting on finished inventory they want to sell quickly. And that makes them more open to compromising. Mark Fleming, Chief Economist at \u003Cem>First American,\u003C\u002Fem> \u003Ca href=\"https:\u002F\u002Fblog.firstam.com\u002Freconomy-podcast\u002Fwhats-the-outlook-for-the-2024-spring-home-buying-season\" rel=\"noopener noreferrer\" target=\"_blank\">explains\u003C\u002Fa> a builder:\u003C\u002Fp>\u003Cblockquote>\u003Cem>“. . . would love to sell you the home because they’re not living in it. It costs money not to sell the home. \u003C\u002Fem>\u003Cstrong>\u003Cem>And many of the public home builders have said in their earnings calls that they are not going to be pulling back on incentives, especially the mortgage rate buydown . . \u003C\u002Fem>\u003C\u002Fstrong>\u003Cem>.” \u003C\u002Fem>\u003C\u002Fblockquote>\u003Cp>That means you may find builders more flexible than individual sellers, and more motivated to toss in incentives to get the deal done. According to \u003Cem>Zonda\u003C\u002Fem>, \u003Ca href=\"https:\u002F\u002Fzondahome.com\u002Fnew-home-market-update\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cstrong>75%\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> of new home communities offered incentives on new homes considered quick move-ins in June.\u003C\u002Fstrong>\u003C\u002Fp>\u003Ch4>\u003Cstrong>Myth 3: They Don’t Build Them Like They Used To\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>Some people think newer homes lack the craftsmanship of older ones. But here’s a reality check. Quality can vary in any era. And using a reputable builder matters more than the build date.\u003C\u002Fp>\u003Cp>According to the \u003Cem>National Association of Home Builders\u003C\u002Fem> (NAHB), a good way to gauge quality is by talking to buyers who have purchased from that builder recently. In an article, NAHB \u003Ca href=\"https:\u002F\u002Fwww.nahb.org\u002Fother\u002Fconsumer-resources\u002Fhow-to-choose-a-home-builder\" rel=\"noopener noreferrer\" target=\"_blank\">explains\u003C\u002Fa>:\u003C\u002Fp>\u003Cblockquote>\u003Cem>“Any high-quality builder should be ready to provide you with the names and phone numbers of satisfied customers.\u003C\u002Fem>\u003Cstrong>\u003Cem> If they cannot, consider that a red flag and walk away.\u003C\u002Fem>\u003C\u002Fstrong>\u003Cem>”\u003C\u002Fem>\u003C\u002Fblockquote>\u003Cp>The article suggests asking those buyers questions like:\u003C\u002Fp>\u003Cul>\u003Cli>Did the builder meet their expectations?\u003C\u002Fli>\u003Cli>Would you use that same builder, if you were to do it again?\u003C\u002Fli>\u003C\u002Ful>\u003Cp>But you can also ask your agent about the builder’s reputation. Generally, agents know about the builders active in your area and may even have experience with past clients who have bought a home in one of that builder’s communities.\u003C\u002Fp>\u003Ch4>\u003Cstrong>Myth 4: You Don't Need Your Own Real Estate Agent\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>This might be the biggest myth of all. The truth is, when you buy a brand-new home, using your own agent is even more important. Builder contracts have different fine print, and you’ll want a pro on your side who can really explain what you’re signing and advocate for your best interests.\u003C\u002Fp>\u003Cp>These stats seem to prove that’s the case. In a \u003Cem>Realtor.com\u003C\u002Fem> \u003Ca href=\"https:\u002F\u002Fwww.realtor.com\u002Fnewconstructionresearch\" rel=\"noopener noreferrer\" target=\"_blank\">survey\u003C\u002Fa>, buyers who purchased a newly built home rated their agents far more helpful than the builder (or the builder’s representative) during the process\u003Cem> (see visual below):\u003C\u002Fem>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250812\u002F20250813-Recent-Buyers-of-New-Homes-Say-Their-Own-Agents-Were-More-Helpful-Than-the-Builder-s-Representative-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250812\u002F20250813-Recent-Buyers-of-New-Homes-Say-Their-Own-Agents-Were-More-Helpful-Than-the-Builder-s-Representative-original.png\" alt=\"a screenshot of a graph\">\u003C\u002Fa>\u003C\u002Fp>","\u003Cp>\u003Cstrong>Don’t let misconceptions keep you from exploring one of the most promising options in today’s housing market.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Whether you’re curious about what’s being built nearby or wondering if a new home fits your budget, let’s connect and take a closer look. You might be surprised by what’s out there.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250812\u002F20250813-New-Homes-Cost--30K-Less-Than-Existing-Homes-original.png",[270,271,272,273,274],{"id":9,"name":10,"slug":11},{"id":41,"name":42,"slug":43},{"id":53,"name":54,"slug":55},{"id":85,"name":86,"slug":87},{"id":89,"name":90,"slug":91},"2025-08-13T10:30:00Z","2025-08-13T10:30:18Z",{"id":278,"slug":279,"title":280,"description":281,"excerpt":131,"contentType":132,"featuredImage":282,"bannerImage":131,"body":283,"agentsBottomLine":284,"bodyImage":285,"isInfographic":136,"categories":286,"isVideo":136,"videoThumbnail":131,"videoSource":131,"publishedAt":297,"updatedAt":298},91398,"why-a-newly-built-home-might-be-the-move-right-now","Why a Newly Built Home Might Be the Move Right Now","\u003Cp>Are you looking for better home prices, or even a lower mortgage rate? You might find both in one place: a newly built home. \u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250715\u002F20250717-Blog-Header-Image-original.png","\u003Cp>Are you looking for better home prices, or even a lower mortgage rate? You might find both in one place: a newly built home. While many buyers are overlooking new construction, it could be your best opportunity in today’s market. Here’s why.\u003C\u002Fp>\u003Cp>There are more brand-new homes available right now than there were even just a few months ago. According to the most recent data from the \u003Ca href=\"https:\u002F\u002Fwww.census.gov\u002Fhousing\u002Fhvs\u002Fdata\u002Fhisttabs.html\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cem>Census\u003C\u002Fem>\u003C\u002Fa> and the \u003Ca href=\"https:\u002F\u002Fwww.nar.realtor\u002Fresearch-and-statistics\u002Fhousing-statistics\u002Fexisting-home-sales\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cem>National Association of Realtors\u003C\u002Fem>\u003C\u002Fa> (NAR), roughly 1 in 5 homes for sale right now is new construction. So, if you’re not looking at newly built homes, you’re missing out on a big portion of what’s available.\u003C\u002Fp>\u003Cp>And with more new homes on the market, builders are motivated to sell their current inventory. As a result, many are taking steps to draw in buyers.\u003C\u002Fp>\u003Ch4>\u003Cstrong>Builders Are Cutting Prices\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.nahb.org\u002Fnews-and-economics\u002Fpress-releases\u002F2025\u002F06\u002Fsharp-drop-in-multifamily-production-brings-overall-housing-starts-down\" rel=\"noopener noreferrer\" target=\"_blank\">According\u003C\u002Fa> to Buddy Hughes, Chairman of the \u003Cem>National Association of Home Builders\u003C\u002Fem> (NAHB):\u003C\u002Fp>\u003Cblockquote>\u003Cem>“Almost 40% of home builders reduced sales prices in the last month . . .”\u003C\u002Fem>\u003C\u002Fblockquote>\u003Cp>That means builders are being realistic about today’s market and adjusting to what buyers can afford. It’s their way to keep their inventory moving.\u003C\u002Fp>\u003Cp>So, builders may be more willing to negotiate price than you’d expect – and that means your dollar may go further if you buy a newly built home. Lean on your agent to see what’s available and what incentives builders are offering in and around your area.\u003C\u002Fp>\u003Ch4>\u003Cstrong>Builders Are Offering Lower Mortgage Rates\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>Here’s something most people don’t know. \u003Cstrong>Right now, buyers of brand-new homes often get better mortgage rates than buyers of existing homes. \u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>That’s because many builders are also offering rate buydowns to make their homes more attractive and keep sales moving. Basically, they’re willing to chip in to lower your rate, so you’re more likely to buy one of their homes.\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.realtor.com\u002Fresearch\u002Fnew-construction-insights-2025q1\" rel=\"noopener noreferrer\" target=\"_blank\">Data\u003C\u002Fa> from \u003Cem>Realtor.com\u003C\u002Fem> shows, in 2023 and 2024, buyers of newly built homes got a mortgage rate around half a percent lower compared to those who bought existing homes (\u003Cem>see graph below\u003C\u002Fem>):\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250715\u002F20250717-Buying-a-Newly-Built-Home-Could-Come-With-A-Lower-Mortgage-Rate-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250715\u002F20250717-Buying-a-Newly-Built-Home-Could-Come-With-A-Lower-Mortgage-Rate-original.png\" alt=\"a graph of a graph showing a line graph\">\u003C\u002Fa>That kind of savings adds up and makes a big difference when you’re figuring out your monthly budget.\u003C\u002Fp>\u003Cp>So, if you haven’t found something you love yet, it’s time to add newly built homes to your search. You may find that what you’ve been looking for is already out there, it’s just in a new home community.\u003C\u002Fp>","\u003Cp>More choices, the potential to negotiate on the price, and maybe even better mortgage rates make these options a bright spot in today’s housing market.\u003C\u002Fp>\u003Cp>\u003Cstrong>If you haven’t considered a newly built home yet, what’s holding you back?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Let’s talk about it and see if it’s worth checking out new builds in and around our area.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250715\u002F20250717-Buying-a-Newly-Built-Home-Could-Come-With-A-Lower-Mortgage-Rate-original.png",[287,288,289,290,291,292,293,294,295,296],{"id":9,"name":10,"slug":11},{"id":25,"name":26,"slug":27},{"id":29,"name":30,"slug":31},{"id":37,"name":38,"slug":39},{"id":41,"name":42,"slug":43},{"id":53,"name":54,"slug":55},{"id":61,"name":62,"slug":63},{"id":81,"name":82,"slug":83},{"id":89,"name":90,"slug":91},{"id":93,"name":94,"slug":95},"2025-07-17T10:30:00Z","2025-07-17T10:30:08Z",1173,true]