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Home Updates That Actually Pay You Back When You Sell
Planning to sell this spring? While you may be tempted to hold off until the first blooms or the spring showers hit, that's actually waiting too long to get started by today’s standards. Buyers have more options than they did a few years ago. So, it's worth it to tackle repairs now and make sure your house is set up to stand out. Because you don’t want to be caught scrambling right before the spring rush. Or, running out of time to do the work your house really needs. The k

Dan Freshley Mortgage Banker
4 days ago3 min read


The Credit Score Myth That’s Holding Would-Be Buyers Back
Would-be homebuyers aren’t sitting on the sidelines because they don’t want to buy. They’re sitting out because they think they can’t . And sometimes, it’s their credit score that’s holding them back. According to a Bankrate survey , 2 out of every 5 (42%) Americans believe you need excellent credit to qualify for a mortgage . That may be why, when renters are asked why they don’t own yet, “ my credit isn’t good enough ” comes up often. Maybe you’re in the same boat. You lo

Dan Freshley Mortgage Banker
Jan 122 min read


Why Pre-Approval Should Be Your First Step – Not an Afterthought
Finding the right home feels exciting – but being pre-approved for your loan is what makes it possible. Whether you’re planning to buy soon or still just thinking about it, getting pre-approved is one of the best moves you can make. Here’s why. 1. What Is Pre-Approval, Really? Pre-approval is much more than a guess. It means a lender has reviewed your finances ( things like your income, assets, credit score, debts, and savings) and told you how much they’re willing to let y

Dan Freshley Mortgage Banker
Jan 53 min read


Reasons To Be Optimistic About the 2026 Housing Market
If a move is on your radar for 2026, there’s a lot more working in your favor than there has been in a while. After a stretch where many people felt stuck, 2026 is shaping up to be a year with more balance, more options, and more clarity for people who want to make a move. Not because the market is suddenly “easy,” but because several key conditions are shifting. Here’s what the experts are saying you have to look forward to. Danielle Hale, Chief Economist at Realtor.com : “A

Dan Freshley Mortgage Banker
Dec 29, 20252 min read


Headlines Have You Worried about Your Home’s Value? Read This.
Hearing talk about home prices falling? That may leave you worried about whether your house is losing value. But here’s what you need to know. While some local markets have seen small price dips this year, home prices are not falling nationally. So, don’t let the headlines scare you. The vast majority of the country is actually seeing prices rise. While that may feel surprising after the headlines you’ve seen, the map below uses year-over-year data from the Federal Housing

Dan Freshley Mortgage Banker
Dec 22, 20253 min read


How To Stretch Your Options, Not Your Budget
One of the biggest homebuying advantages you can give yourself today is surprisingly simple: a flexible wish list. Think of it like this. Your wish list and your budget are the guardrails of your search. And when your budget needs to hold firm, there’s another lever you can pull. That’s seeing if you truly need all of your desired features. Because the truth is, a small compromise could be the difference between feeling stuck and getting the keys to your next home. The data

Dan Freshley Mortgage Banker
Dec 15, 20253 min read


This May Be the Best Time To Buy a Brand-New Home
New home construction today is giving buyers something it feels like they haven't gotten much lately: a real shot at both the home they want and the deal they need . More brand-new options are on the market right now, and builders are rolling out incentives that make these homes more affordable than many people expect. It’s a combination that doesn’t come around often – and it’s putting buyers in a surprisingly strong position this season. Here’s why this moment matters and w

Dan Freshley Mortgage Banker
Dec 8, 20253 min read


How To Find the Best Deal Possible on a Home Right Now
Want to know how to find the best deal possible in today’s housing market ? Here’s the secret. Focus on homes that have been sitting on the market for a while. Because when a listing lingers, sellers tend to get more realistic – and, more willing to negotiate. And that’s where the savviest buyers are finding homes other buyers overlook. The Opportunity: 1 in 5 Homes Has Had a Price Cut This Year According to Realtor.com , about 1 in every 5 listings (20.2%) have dropped thei

Dan Freshley Mortgage Banker
Dec 1, 20253 min read


4 Reasons Your House Is High on Every Buyer’s Wish List This Season
When the holidays roll around, travel plans, family gatherings, and all the chaos of the season may make you think it’s better to pull your listing off the market or to wait until 2026 to sell your house . But here’s the thing. Waiting could mean missing out on a great window of opportunity. Because while other sellers are stepping away, you can lean in – and that might actually give you the edge. Here are 4 reasons selling now may be the better bet. 1. Buyers This Time of

Dan Freshley Mortgage Banker
Nov 24, 20253 min read


The Housing Market Is Turning a Corner Going into 2026
After several years of high mortgage rates and hesitation from buyers, momentum is quietly building beneath the surface of the housing market. Sellers are reappearing. Buyers are re-engaging. And for the first time in what feels like forever, there’s movement happening again. No, it’s not a surge. But it is a shift – and it’s one that could set the stage for a stronger year in 2026. So, what’s driving the comeback? Here are three big trends that are slowly breathing life bac

Dan Freshley Mortgage Banker
Nov 17, 20253 min read


The VA Home Loan Advantage: What Every Veteran Should Know Right Now
If you’ve served in the military (or if your spouse has), you have access to one of the most powerful homebuying tools out there. The chance to buy a home without having a down payment. Unfortunately, 70% of Veterans (that's 7 out of every 10) don’t know about this benefit, according to Veterans United. And that’s a big missed opportunity for those who’ve earned this benefit through service. So, let’s break down what you really need to know about Veterans Affairs (VA) home l

Dan Freshley Mortgage Banker
Nov 10, 20252 min read


Is the Housing Market Going To Crash? Here’s What Experts Say
If you’ve seen headlines or social posts calling for a housing crash, it’s easy to wonder if home values are about to take a hit. But here’s the simple truth. The data doesn’t point to a crash. It points to slow, continued growth . And sure, it’s going to vary by local area. Some markets will see prices rise more than others. And some may even see small , short-term declines. But the big picture is: home prices are expected to rise nationally, not fall, over the next 5 years

Dan Freshley Mortgage Banker
Oct 20, 20253 min read


Why More Buyers Are Turning to New Construction This Year
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. Builders are offering serious incentives today, and people are jumping on them. In fact, new home sales just hit their highest level in over two years ( see graph below ): Why Builders Are Throwing in Perks There are more newly built homes for sale r

Dan Freshley Mortgage Banker
Oct 13, 20253 min read


Why October Is the Best Time To Buy a Home in 2025
If you’ve been watching from the sidelines, now’s the time to lean in. It’s officially the best time to buy this year. According to ...

Dan Freshley Mortgage Banker
Oct 6, 20253 min read


Closing Costs Unpacked: State-by-State Breakdowns for Today’s Buyers
If you’re planning to buy a home this year, there’s one expense you can’t afford to overlook: closing costs . Almost every buyer knows...

Dan Freshley Mortgage Banker
Sep 29, 20252 min read


3 Reasons Affordability Is Showing Signs of Improvement This Fall
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....

Dan Freshley Mortgage Banker
Sep 22, 20253 min read


What a Fed Rate Cut Could Mean for Mortgage Rates
The Federal Reserve (the Fed) meets this week, and expectations are high that they’ll cut the Federal Funds Rate. But does that mean...

Dan Freshley Mortgage Banker
Sep 15, 20253 min read


Why 50% of Homes Are Selling for Under Asking and How To Avoid It
If your selling strategy still assumes you’ll get multiple offers over asking, it’s officially time for a reset. That frenzied seller’s...

Dan Freshley Mortgage Banker
Sep 8, 20253 min read


Thinking About Renting Your House Instead of Selling? Read This First.
If your house is on the market but you haven’t gotten any offers you’re comfortable with, you may be wondering: what do I do if it...

Dan Freshley Mortgage Banker
Sep 2, 20253 min read


Should You Still Expect a Bidding War?
If you’re still worried about having to deal with a bidding war when you buy a home, you may be able to let some of that fear go. While...

Dan Freshley Mortgage Banker
Aug 25, 20252 min read
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