Homes by James

10/08/2025

Homes by James

You’ve probably seen headlines saying home prices are flat. But that’s not the full story.

In half of the largest U.S. metros, prices are still rising. In the other half, they’re easing a bit. Average those together and the numbers look flat, but what’s really happening depends entirely on where you live.

That’s why knowing your local trend is everything. Has anyone stopped to explain to you what’s really happening right here, right now?

If you want to know the latest on our area and what it means for your plans, DM me or drop a comment below.

10/07/2025

What Buyers Say They Need Most (And How the Market’s Responding)

Both of the top concerns for buyers are seeing some movement. Prices are moderating. Rates are easing. And both trends could stick around going into 2026.

If you’re considering a move, let’s connect walk you through what’s happening in our area – and what it means for your plans.

A recent survey from Bank of America asked would-be homebuyers what would help them feel better about making a move, and it’s no surprise the answers have a clear theme.

10/07/2025

Homes by James

Do You Know the Minimum Down Payment for a Conventional Home Loan?

Only 8 out of 100 people know the minimum down payment required for a conventional home loan. Most overestimate what’s really needed. If you want more information about what’s actually required, talk to a trusted lender.

10/06/2025

Homes by James

There’s a lot to digest when it comes to understanding how mortgage rates shift and change over time, and we aren’t going to get into all of that today. But if there’s one thing to watch on where they’re likely headed, it’s the 10-year treasury yield.

Basically, the 10-year treasury yield is a widely watched benchmark for long-term interest rates. And as the yield goes up or down, mortgage rates tend to follow.

The good news is – the gap between the two is starting to narrow. And with experts saying the 10-year yield should come down going into next year, that means there’s room for mortgage rates to come down too.

I know this is a lot to keep track of. And that’s exactly why you should have an expert on your side. I’ll do the heavy lifting for you and will keep you posted as new data comes out and as rates fall further.

DM me the ideal mortgage rate you’re looking for, and when we hit that number, I’ll be the first to let you know.

10/04/2025

Why October Is the Best Time To Buy a Home in 2025

If you're serious about buying, getting prepped for this October window is a smart play.

Want help lining up your strategy? Let's have a quick conversation so you've got the information you need to be ready for this prime buying time.

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. 

10/03/2025

Homes by James

Why October Is the Best Time To Buy a Home in 2025

If you're serious about buying, getting prepped for this October window is a smart play.

Want help lining up your strategy? Let's have a quick conversation so you've got the information you need to be ready for this prime buying time.

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. 

10/02/2025

Spoiler Alert: October is officially the best month to buy a home in 2025.

The market is shaping up to bring buyers more options, better prices, and less competition in most of the top 50 metros.

But the exact week when buyer-friendly conditions peak varies by market.

Want to know the sweet spot in our area? DM me and I’ll send you the details.

10/02/2025

Homes by James

Home Sales Are Expected To Rise Next Year

Home sales are expected to pick up next year. If you want to be ready to move when the market picks up, let’s build your plan now.

10/01/2025

Homes by James

What would make you feel more comfortable making a move?

63% of would-be homebuyers say lower home prices.
50% say lower mortgage rates.

If that’s what you want too, here’s the update you’ve been looking for.

Experts are projecting single-digit price increases in many markets this year. Some areas will even experience slight declines. That’s a far cry from the 20% rise we saw just a few years ago.

At the same time, mortgage rates have eased from their recent highs.

While it’s not enough to completely change the game on affordability, both trends should stick around going into 2026.

If you want to talk through how this helps your budget, DM me.

09/30/2025

Home Sales Are Expected To Rise Next Year

Home sales are expected to pick up next year. If you want to be ready to move when the market picks up, let’s build your plan now.

09/30/2025

Homes by James

Saving to buy a home? Don’t forget your closing costs.

They’re not the same everywhere. In some states they average roughly $2-3K. In others, nearly $20K.

This map shows the state averages. Use it as a ballpark for your budget, but be sure to work with a local agent and lender to get your real number before you start shopping. Because it depends on taxes where you live, the home’s price, and more.

DM me if you want an estimate on what you can expect to pay in our area. Or, if you’re looking for tips on how to bring that number down.

09/29/2025

Homes by James

Closing Costs Unpacked: State-by-State Breakdowns for Today’s Buyers

Closing costs are a key part of buying a home, but they can vary more than most people realize. Knowing your numbers (and how to potentially bring them down) can go a long way and help you feel confident about your purchase.

Let’s look at typical closing costs in our area and get you a personalized estimate, so you can craft your ideal budget.

If you’re planning to buy a home this year, there’s one expense you can’t afford to overlook: closing costs.