Reflecting on a Great Year and Looking Forward to Helping You In 2025

As we approach the end of another year, I want to take a moment to reflect on the incredible year that has been filled with challenges, successes, and unforgettable milestones, and I’m truly grateful for the opportunity to help so many wonderful clients achieve their real estate goals. Whether you bought your dream home, sold your property for a great price, or began your real estate journey, I’m honored to have been a part of it. As 2024 comes to a close, I’m filled with gratitude for all the trust you’ve placed in me. I’m thrilled that I could help…
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What’s Ahead For Mortgage Rates This Week – December 30th, 2024

With Christmas concluding the prior week, there were few reports other than Consumer Confidence, which had come in slightly below expectations. This should prove to have little impact, especially in the following week. With the New Year on the horizon, there are no reports other than the Chicago Manufacturing output report for the entire week. Happy Holidays! Consumer Confidence A post-election pop in consumer confidence fizzled at the end of the year, owing to worries about the U.S. stock market and a potentially higher cost of living as a result of new tariffs. The index of consumer confidence dropped 8.1…
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Exploring Down Payment Options for Homebuyers

Saving for a down payment is a common hurdle for many homebuyers, but there are several ways to make it happen. Whether you’re tapping into savings, receiving a gift, or utilizing assistance programs, understanding your options can make the journey to homeownership smoother. Common Sources for Down Payments Gifts from Family or Friends Gifts can come from immediate family members, relatives by marriage, legal guardians, or close friends (with proper documentation). Lenders require a gift letter confirming that the money doesn’t need to be repaid. Eligibility rules vary by loan program, so check with your lender. 401(k) Funds Loan Option:…
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