Real Estate with Judy

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  • Is a 20% Down Payment Really Necessary To Purchase a Home? September 22, 2021
    There’s a common misconception that, as a homebuyer, you need to come up with 20% of the total sale price for your down payment. In fact, a recent survey by Lending Tree asks what is keeping consumers from purchasing a home. For over half of those surveyed, the ability to afford a down payment is […]
    KCM Crew
  • Remote Work Is Here To Stay. Can Your Home Deliver the Space You Need? September 21, 2021
    A lot has changed over the past year. For many people, the rise in remote work influenced what they’re looking for in a home and created a greater appetite for a dedicated home office. Some professionals took advantage of the situation and purchased a bigger home. Other people thought working from home would be temporary, […]
    KCM Crew
  • Is It Time To Move on to a New Home? September 20, 2021
    If you’ve been in your home for longer than five years, you’re not alone. According to recent data from First American, homeowners are staying put much longer than historical averages (see graph below):As the graph shows, before 2008, homeowners sold their houses after an average of just five years. Today, that number has more than […]
    KCM Crew
  • Have You Ever Seen a Housing Market Like This? [INFOGRAPHIC] September 17, 2021
    Some Highlights Whether you’re buying or selling – today’s housing market has plenty of good news to go around. Buyers can take advantage of today's mortgage rates to escape rising rents and keep monthly payments affordable. Sellers can reap the benefits of multiple offers and a fast sale. If this sounds like good news to […]
    KCM Crew
  • Is the Number of Homes for Sale Finally Growing? September 16, 2021
    An important metric in today’s residential real estate market is the number of homes available for sale. The shortage of available housing inventory is the major reason for the double-digit price appreciation we’ve seen in each of the last two years. It’s the reason many would-be purchasers are frustrated with the bidding wars over the […]
    KCM Crew
  • 5 Tips for Making Your Best Offer September 15, 2021
    In today’s sellers’ market, standing out as a buyer is critical. Multi-offer scenarios and bidding wars are the norm due to the low supply of houses for sale and high buyer demand. If you’re buying this fall, you’ll want every advantage, especially when you’ve found the home of your dreams. Below are five things to keep […]
    KCM Crew
  • The Truth About Today’s Buyer Demand September 14, 2021
    When it comes to the latest news in real estate, there are a lot of sensational headlines in the media. In times like this, when it can be hard to know what to believe, put your trust in the experts. Those of us in the housing market respect that buying or selling a home is […]
    KCM Crew
  • Why It’s Still Safe To Sell Your Home September 13, 2021
    If you’re on the fence about whether or not you want to sell your house this year, there’s good news. Real estate professionals are highly experienced in how to sell houses safely during the pandemic. Over the last year, agents have adopted new technologies and safety measures designed to keep you safe. And experts say […]
    KCM Crew

Hispanic Millennials & Housing

Nielsen recently released their report “Millennials – Breaking the Myths” and today I want to focus on the information reported about Hispanic Millennials. Of the 77 million Millennials, 19% are Hispanic. This group (age 18-36) is the most racially and ethnically diverse than any previous generation. According to this report, Nielsen expects the Hispanic population to grow…
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Who Says Millennials Are Not Buying Houses?

We have often gone against the grain to promote the fact that Millennials have a stronger belief in homeownership than previous generations. Some have strongly disagreed. Well, a new study from the National Association of Realtors (NAR) found Millennials now account for the greatest market share of recent home purchases. NAR’s Home Buyer and Seller Generational Trends Study for 2014,…
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Millennials: Optimistic & Ready to Buy

A recent survey by the PulteGroup revealed that the Millennial generation has a more optimistic outlook regarding the American economy than other generations. According to the survey, 54% of Millennials believe the economy is in better shape today than it was last year compared to only 41% of the total population. It seems this optimism is impacting purchasing decisions…
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3 Reasons the Housing Market Should Thrive in 2014

Recently, HousingWire asked David Berson, chief economist at Nationwide, for his opinion on the near-term future of housing. Below are what Mr. Berson believes to be the three things you need to know about housing in 2014. We have included a quote from the article and a small comment from Keeping Current Matters (KCM) for all three points. Number 1:…
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Freddie Mac: Doubtful Rates Will Return to Recent Lows

“One thing seems certain: we aren’t likely to see average 30-year fixed mortgage rates return to the historic lows experienced in 2012.” – Freddie Mac,  March 24, 2014 There are those that hope that 30-year mortgage interest rates will head back under 4%.Obviously, for any prospective home purchaser that would be great news. However, there…
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Harvard: 5 Financial Reasons to Buy a Home

Eric Belsky is Managing Director of the Joint Center of Housing Studies at Harvard University. He also currently serves on the editorial board of the Journal of Housing Research and Housing Policy Debate. This year he released a new paper on homeownership – The Dream Lives On: the Future of Homeownership in America. In his paper, Belsky reveals…
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FSBOs Must Be Ready to Negotiate

In a recovering market, some sellers might be tempted to try and sell their home on their own (FSBO) without using the services of a real estate professional. The real estate agent is a trained and experienced negotiator. In most cases, the seller is not. The seller must realize the ability to negotiate will determine whether they…
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Chicken Little is Wrong: Homeownership Still the American Dream

After the harrowing challenges experienced by so many homeowners over the last few years, many housing experts had predicted that the belief in homeownership as a major element of the American Dream would soon die. There is now conclusive evidence that these experts were wrong. As we reported back in September, The Joint Center of Housing Studies at…
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Will 20% Soon Be the Minimum Down Payment on a Home?

Several government agencies are reviewing data to determine what will be the minimum down payment required under the new Qualified Residential Mortgage (QRM) guidelines scheduled to be revealed in the next few months. In the original Mortgage Market Note issued by the FHFA, it was suggested that loan-to-value (the percentage of the overall purchase price which was being borrowed) was…
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Judy Osborne

Broker/Owner

License #167276

Osborne Realty, Inc.

Judy Osborne

Osborne Realty, Inc.
P.O. Box 135
Pineville, NC 28134