While most people are focused on turkey and touchdowns, smart buyers are quietly setting themselves up for success. Fewer listings and distracted buyers mean less competition and more negotiating power. Once the holidays pass and rates ease, demand will surge again. Use this quiet stretch to prepare your financing, define your must-haves, and start scouting […]
Rates sitting between 6 – 7% have many buyers paralyzed but history shows fear costs more than action. Experts don’t expect a drop to the low fives anytime soon, meaning those waiting for “the perfect rate” may face more competition and higher prices when it finally happens. This is the time to focus on what […]
When other lenders say “it can’t be done,” that’s when I show up. 🦸‍♂️ I’m Ken Graczak, an experienced mortgage broker, and lately I’m saving the day more than ever. Whether it’s a tough refinance, a tight closing, or a buyer who’s been told “no,” I find creative ways to make it happen. When you […]
Inventory is rising, active listings jumped 29% from last year. That means more homes, more leverage, and more breathing room for buyers. With fewer people competing this late in the year, you can take your time and find the right fit instead of rushing into a deal. Let’s turn this market shift into your opportunity. […]
Many buyers hold off for that perfect “under 6%” rate, thinking it’ll make a huge difference. But that small drop often changes your payment by less than what you spend on coffee each week. Meanwhile, home prices and competition are climbing. The smartest move isn’t waiting for the lowest rate it’s acting when the right […]
