Robert's Blog

 The Fed lowers rates…… BUT Rates are up??  Yes, that is the case, and it is not as unusual as some have been making it seem.  Keep in mind how rates move.  Investors buy and sell bonds and mortgages in the secondary market just like stocks and bonds.  Investors are basically a bunch of gamblers ...

 Federal Shutdown, what does it mean?  The federal government shutdown is already affecting key parts of the housing market – and if you’re buying, selling, or refinancing, here’s what you need to know.Several government-backed programs are facing delays or suspensions: USDA rural home loans are ...

 It certainly looks like it!you actually have to look back to September of 2024 to find a lower rate than we have today and that was very temporary since we saw rates bounce right back up last year as the Fed began easing rates but inflation put some fear in the markets.Forecasts were looking for...

While national inventory numbers are showing a 25% year over year increase the real numbers are very different when you drill down to the individual states.  Looking at the Map below you can see the true inventory differences from pre pandemic to today.. Well not today, but as of July 2025...The ...

 Inventory: The Latest inventory figures are in UP 29% since last year… BUT…….  That is up from abysmal levels. The chart below shows the national numbers since January 2017. You can see that active listings were averaging well over 1.2m for years and the big drop started in 2019, well before the...

THIS IS NOT A POLITICAL POST!!So you have probably heard the OBBBA was passed and you may be interested to hear there are some great pieces to help support Real Estate and Homeownership.1) SALT: A few years ago when Federal Tax laws changed it limited State and Local Taxes as a write off to a mea...

I don't know about you, but I get entirely too many garbage phone calls and anything that I can do to eliminate them is welcomed! (because cursing at a computer generated voice has not been effective.)A problem in the Mortgage World is Trigger leads.  When we run a full credit report the credit b...

I saw a survey on social media the other day and saw this question...Why haven't you purchased a home?One of the top answers: "I don't know where to start."I assume there are many potential buyers out there that just don't know where or how to start.  Here is my answer (and it is going to sound a...

 If you follow me on social media at all you know I love a good graph.Here's a great one to show the potential appreciation in Toms River, NJ.  Most of Ocean County has very similar numbers for appreciation, I just chose 08753 because it is where my office is located.The above is assuming you pur...

 Would you have difficulty saving $1,600/month? Here's a pretty easy way to make it happen:  Buy a House!Seriously... here's the numbers:If you were to buy a $500,000 home in Ocean County NJ the Forecasted appreciation is 4.348% in most towns and the historical appreciation is 4.279%.  If we roun...