What is the phone number for Marie Cruise - Berkshire Hathaway HomeServices Verani Realty in Nashua NH?

You can reach them at: 978-771-5964. It’s best to call Marie Cruise - Berkshire Hathaway HomeServices Verani Realty during business hours.

Marie Cruise - Berkshire Hathaway HomeServices Verani Realty on amherst street, Nashua, NH

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Buyers Are Finding More Space in the Luxury Home Market A year ago, additional space and extra amenities had a very different feel for homebuyers. Today, the health crisis has brought to light how valuable more square footage and carefully designed floorplans can be. Home offices, multi-purpose rooms, gyms, and theaters are becoming more popular... SIMPLIFYINGTHEMARKET.COM Buyers Are Finding More Space in the Luxury Home Market

Rising Home Equity Can Power Your Next Move [INFOGRAPHIC] Some Highlights According to CoreLogic, homeowners across the country are gaining significant equity. Over the past year, the average homeowner gained $9,800 in equity, growing their overall net worth. If you’re ready to sell your house and begin looking for your dream home... SIMPLIFYINGTHEMARKET.COM Rising Home Equity Can Power Your Next Move

Ever wondered what to do if flooding is predicted in your area? RISMEDIA.COM How to Prepare Your Home for Flooding

How Homeownership Multiplies Your Net Worth Homeowners have a net worth that is 40 times greater than that of renters. Let's connect so we can begin planning your first step toward building your financial future...

Why Selling this Fall May Be Your Best Move If you’re thinking about moving, selling your house this fall might be the way to go. Here are four highlights in the housing market that may make your decision to sell this fall an easy one. 1. Buyers Are Actively in the Market ShowingTime, a leading real estate showing software and market... SIMPLIFYINGTHEMARKET.COM Why Selling this Fall May Be Your Best Move

Where Are Home Values Headed Over the Next 12 Months? As shelter-in-place orders were implemented earlier this year, many questioned what the shutdown would mean to the real estate market. Specifically, there was concern about home values. After years of rising home prices, would 2020 be the year this appreciation trend would come to a screeching... SIMPLIFYINGTHEMARKET.COM Where Are Home Values Headed Over the Next 12 Months?

6 Reasons You’ll Win by Selling with a Real Estate Agent This Fall There are many benefits to working with a real estate professional when selling your house. During challenging times, like what we face today, it becomes even more important to have an expert you trust to help guide you through the process. If you’re considering selling on your own, known in... SIMPLIFYINGTHEMARKET.COM 6 Reasons You’ll Win by Selling with a Real Estate Agent This Fall

Should You Buy a Retirement Home Sooner Rather than Later? Every day in the U.S., roughly 10,000 people turn 65. Prior to the health crisis that swept the nation in 2020, most people had to wait until they retired to make a move to the beach, the golf course, or the senior living community they were looking to settle into for their later years in life... SIMPLIFYINGTHEMARKET.COM Should You Buy a Retirement Home Sooner Rather than Later?

Thinking of Moving? [INFOGRAPHIC] Some Highlights If you’re ready to sell your house but you’re worried about finding one to move into, why not invest in a brand-new home built just for you? New construction is on the rise, so it’s a great time to think about a custom home to fit your family’s changing needs... SIMPLIFYINGTHEMARKET.COM Thinking of Moving?

If you or someone you know is having trouble repaying a student loan, there are some great tips in this article. RISMEDIA.COM Repaying a Student Loan? Be Aware of These Issues

Why This Fall Is the Season to Sell Your House Buyers are actively searching for their next home, and your house may be it. If your own needs have changed and you've been considering a move, let's connect to get your house on the market this fall...

A Homeowner’s Net Worth Is 40x Greater Than a Renter’s One of the best ways to build your family’s financial future is through homeownership. Recent data from the Federal Reserve indicates the net worth of a homeowner is actually over 40 times greater than that of a renter. Maybe it’s time to start thinking about buying a home, especially when... SIMPLIFYINGTHEMARKET.COM A Homeowner’s Net Worth Is 40x Greater Than a Renter’s

Why Selling Your House Before Next Spring Is Key Today's housing market is empowering homeowners with the control they want when selling their house, but as home inventory begins to rise, this fair weather won't last forever. Let's connect to start the process of selling your house now while it's still the best time to do so...

How to Prepare for a Bidding War [INFOGRAPHIC] Some Highlights With so few houses available on the market today, being ready for a bidding war is essential for prospective homebuyers. From pre-approval to making your best offer, here are three tips to make sure you can act quickly and confidently when you find the perfect home... SIMPLIFYINGTHEMARKET.COM How to Prepare for a Bidding War

Have you tried any of these unique home accents? RISMEDIA.COM Unique Home Accents to Make Your Home More Fun

Do You Need to Know More about Forbearance and Mortgage Relief Options? Earlier this year when the nation pressed pause on the economy and unemployment rates jumped up significantly, many homeowners were immediately concerned about being able to pay their mortgages, and understandably so. To assist in this challenging time, two protection plans were put into place... SIMPLIFYINGTHEMARKET.COM Do You Need to Know More about Forbearance and Mortgage Relief Options?

The #1 Reason Not to Wait to List Your House for Sale Many industries have been devastated by the economic shutdown caused by the COVID-19 virus. Real estate is not one of them. Mark Fleming, Chief Economist for First American, just reported: “Since hitting a low point during the initial stages of the pandemic, the only major industry to... SIMPLIFYINGTHEMARKET.COM The #1 Reason Not to Wait to List Your House for Sale

Do You Have Enough Money Saved for a Down Payment? One of the biggest misconceptions for first-time homebuyers is how much you’ll need to save for a down payment. Contrary to popular belief, you don’t always have to put 20% down to buy a house. Here’s how it breaks down. A recent survey by Point2Homes mentions that 74% of millennials... SIMPLIFYINGTHEMARKET.COM Do You Have Enough Money Saved for a Down Payment?

Home Values Projected to Keep Rising As we enter the final months of 2020 and continue to work through the challenges this year has brought, some of us wonder what impact continued economic uncertainty could have on home prices. Looking at the big picture, the rules of supply and demand will give us the clearest idea of what is to... SIMPLIFYINGTHEMARKET.COM Home Values Projected to Keep Rising

Selling Your House Is the Right Move, Right Now [INFOGRAPHIC] Some Highlights Demand from homebuyers has skyrocketed this year, which means today’s sellers are poised to win big. This ideal moment in time to sell your house won’t last forever, though. With more sellers coming to the market in the spring, waiting until next year means buyers... SIMPLIFYINGTHEMARKET.COM Selling Your House Is the Right Move, Right Now

This report found that email reminders from your bank help credit card users cut spending by 2 percent. RISMEDIA.COM Small Reminders Can Reduce Credit Card Debt

Things to Avoid After Applying for a Mortgage There are several key things to avoid doing once you've applied for a mortgage. Let's connect to make sure you have the information you need to move through the process with confidence...

Why Today’s Options Will Save Homeowners from Foreclosure Many housing experts originally voiced concern that the mortgage forbearance program (which allows families impacted financially by COVID to delay mortgage payments to a later date) could lead to an increase in foreclosures when forbearances end. Some originally forecasted that up to 30% of... SIMPLIFYINGTHEMARKET.COM Why Today’s Options Will Save Homeowners from Foreclosure

Americans Are Gaining Confidence in the Economy The September Jobs Report issued by the Bureau of Labor Statistics reported that the unemployment rate dropped to 7.9%. Though that percentage is well below what experts projected earlier this year, it still means millions of people are without work. There’s no way to minimize the tremendous... SIMPLIFYINGTHEMARKET.COM Americans Are Gaining Confidence in the Economy

Should I Renovate My House Before I Sell It? [INFOGRAPHIC] Some Highlights In today’s hyper-competitive market, buyers are often willing to overlook cosmetic or minor repair needs if it means snagging a home in their price range. With so few houses available for sale today, you may be able to skip the bigger renovations before you sell and... SIMPLIFYINGTHEMARKET.COM Should I Renovate My House Before I Sell It?

The process of living on only one income can be daunting if not scary, but don't despair! RISMEDIA.COM Down to One Income? It's Not the End of the World

Don't Fear the Real Estate Market Fear should never be a factor when navigating the housing market. Whether you're buying or selling a home this fall, let's connect to make sure you're empowered to take the safest path...

Buyer Interest Is Growing among Younger Generations The demand for homes this year is extraordinary as record-breaking numbers of hopeful buyers continue to shop for homes. In a normal year, the peak homebuying season comes to a close by early fall. However, 2020 is anything but a normal year, and the housing market is no exception. Lawrence... SIMPLIFYINGTHEMARKET.COM Buyer Interest Is Growing among Younger Generations

How Down Payment Assistance Opens the Door to Homeownership Many people are eager to buy a home right now while affordability continues to be a highlight of the current housing market. However, a recent survey by Sparks Research shows that 20% of first-time homebuyers cite a lack of financial education as a barrier to homeownership. This is definitely... SIMPLIFYINGTHEMARKET.COM How Down Payment Assistance Opens the Door to Homeownership

Two Important Impacts of Home Equity Equity continues to rise, helping American homeowners secure a much more stable financial future. According to the most recent data from CoreLogic, the average homeowner gained $9,800 in equity over the past year. In addition, experts project 2020 home prices to continue rising. With prices... SIMPLIFYINGTHEMARKET.COM Two Important Impacts of Home Equity

Check out these pros and cons. RISMEDIA.COM The Good and Bad of Zero-Interest Credit Cards

Why the 2021 Forecast Doesn’t Call for a Foreclosure Crisis As the current forbearance mortgage relief options come to an end, many are wondering if we’ll face a foreclosure crisis next year. This is understandable, especially for those who remember the housing crisis that began in 2008. The reality is, plans have been put in place through forbearance... SIMPLIFYINGTHEMARKET.COM Why the 2021 Forecast Doesn’t Call for a Foreclosure Crisis

Real Estate Is a Driving Force in the Economy As the economy recovers from this year’s health crisis, the housing market is playing a leading role in the turnaround. It’s safe to say that what we call “home” is taking on a new meaning, causing many of us to consider buying or selling sooner rather than later. Housing, therefore... SIMPLIFYINGTHEMARKET.COM Real Estate Is a Driving Force in the Economy

Rent vs. Buy: How to Decide What’s Best for You According to the U.S. Census Bureau, median rent continues to rise. With today’s low mortgage rates, there’s great opportunity for current renters to make a move into homeownership that stretches each dollar a little bit further. While the best timeline to buy a home is different for... SIMPLIFYINGTHEMARKET.COM Rent vs. Buy: How to Decide What’s Best for You

4 Reasons Why the Election Won’t Dampen the Housing Market Tomorrow, Americans will decide our President for the next four years. That decision will have a major impact on many aspects of life in this country, but the residential real estate market will not be one of them. Analysts will try to measure the impact feasible changes in regulations might... SIMPLIFYINGTHEMARKET.COM 4 Reasons Why the Election Won’t Dampen the Housing Market

Three Ways Low Inventory Is a Win for Sellers The number of houses for sale today is significantly lower than the high buyer activity in the current housing market. According to Lawrence Yun, Chief Economist for the National Association of Realtors (NAR): "There is no shortage of hopeful, potential buyers, but inventory is historically... SIMPLIFYINGTHEMARKET.COM Three Ways Low Inventory Is a Win for Sellers

Winter Will Bring a Flurry of Activity to the Housing Market In the second half of this year, the housing market surged with activity. Today, real estate experts are looking ahead to the winter season and the forecast is anything but chilly. As Lawrence Yun, Chief Economist for the National Association of Realtors (NAR), notes: “It will be one of the... SIMPLIFYINGTHEMARKET.COM Winter Will Bring a Flurry of Activity to the Housing Market

Tips to Sell Your House Safely Right Now [INFOGRAPHIC] Some Highlights Your agent now has over 6 months of experience selling houses during the pandemic and can make the process easier and safer for you today. COVID-19 protocols and technology usage recommendations from the National Association of Realtors (NAR) are making it possible to... SIMPLIFYINGTHEMARKET.COM Tips to Sell Your House Safely Right Now

If you don't have gap insurance for your car, you may get caught short in an accident. Make sure you understand your coverage by knowing these terms. RISMEDIA.COM Deciphering Auto Insurance Jargon

The Economic Impact of Buying a Home When you buy a home, you're making an impact on our local economy. Let's connect today to explore your homebuying options together...

VA Home Loans: Helping Heroes Find a Home Today, on Veterans Day, we honor those who have served our country and thank them for their continued dedication to our nation. In the United States, there are many valuable benefits available to Veterans, including VA home loans. For over 75 years, VA home loans have provided millions of... SIMPLIFYINGTHEMARKET.COM VA Home Loans: Helping Heroes Find a Home

Homeownership Is a Key to Building Wealth For years, real estate has been considered the best investment you can make. A major reason for this is due to the net worth a household gains through homeownership. In fact, according to the 2019 Survey of Consumer Finance Data from the Federal Reserve, for the average homeowner: “…a... SIMPLIFYINGTHEMARKET.COM Homeownership Is a Key to Building Wealth

Will Mortgage Rates Remain Low Next Year? In 2020, buyers got a big boost in the housing market as mortgage rates dropped throughout the year. According to Freddie Mac, rates hit all-time lows 12 times this year, dipping below 3% for the first time ever while making buying a home more and more attractive as the year progressed (See... SIMPLIFYINGTHEMARKET.COM Will Mortgage Rates Remain Low Next Year?

It Pays to Sell with a Real Estate Agent [INFOGRAPHIC] Some Highlights Today, it’s more important than ever to have an expert you trust to guide you as you sell your house. From your safety throughout the process to the complexity of negotiating the deal, you need a professional on your side. Before you decide to take on the challenge... SIMPLIFYINGTHEMARKET.COM It Pays to Sell with a Real Estate Agent

A credit score takes time to build, so starting young is important. College students can start by paying their student loans on time. RISMEDIA.COM Managing Credit Responsibly as a College Student

The Winter Housing Market Forecast Won't Be Chilly According to experts, the housing market is not forecasted to cool off this winter. Let's connect to make sure you're ready to enter the real estate market during the hottest time to buy or sell a home...

Chances of Another Foreclosure Crisis? “About Zero Percent.” There seems to be some concern that the 2020 economic downturn will lead to another foreclosure crisis like the one we experienced after the housing crash a little over a decade ago. However, there’s one major difference this time: a robust forbearance program. During the housing crash of... SIMPLIFYINGTHEMARKET.COM Chances of Another Foreclosure Crisis? “About Zero Percent.”

Homes for Sale Are Rapidly Disappearing Through all the challenges of 2020, the real estate market has done very well, and purchasers are continuing to take advantage of historically low mortgage rates. Realtor Magazine just explained: “While winter may be typically a slow season in real estate, economists predict it isn’t... SIMPLIFYINGTHEMARKET.COM Homes for Sale Are Rapidly Disappearing

Your House May Be High on the Buyer Wish List This Holiday Season Around this time each year, many homeowners decide to wait until after the holidays to sell their houses. Similarly, others who already have their homes on the market remove their listings until the spring. Let’s unpack the top reasons why selling your house now, or keeping it on the market... SIMPLIFYINGTHEMARKET.COM Your House May Be High on the Buyer Wish List This Holiday Season

Key Terms to Know in the Homebuying Process [INFOGRAPHIC] Some Highlights Buying a home can be intimidating if you’re not familiar with the terms used throughout the process. To point you in the right direction, here’s a list of some of the most common language you’ll hear along the way. The best way to ensure your homebuying process... SIMPLIFYINGTHEMARKET.COM Key Terms to Know in the Homebuying Process

Do you plan to repaint? Don't forget about gray as a color choice. RISMEDIA.COM 5 Reasons to Paint Your Walls Gray

Thank You for Your Support &nbsp... SIMPLIFYINGTHEMARKET.COM Thank You for Your Support

Thank You for Making Me Your Trusted Advisor Thank you for your business, referrals, and your partnership for life. Let’s connect to continue down the path toward your homeownership goals...

Is Buying a Home Today a Good Financial Move? There’s no doubt 2020 has been a challenging year. A global pandemic coupled with an economic recession has caused heartache for many. However, it has also prompted more Americans to reconsider the meaning of “home.” This quest for a place better equipped to fulfill our needs, along with... SIMPLIFYINGTHEMARKET.COM Is Buying a Home Today a Good Financial Move?

The Path to Homeownership [INFOGRAPHIC] Some Highlights If you’re thinking of buying a home and not sure where to start, you’re not alone. Here’s a map with 10 simple steps to follow in the homebuying process. Let’s connect today to discuss the specific steps along the way in our local area... SIMPLIFYINGTHEMARKET.COM The Path to Homeownership

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5 Reasons to Sell Your House This Holiday Season This holiday season may be the perfect time to sell your house. Let's connect to discuss how today's buyer demand is presenting the greatest opportunities for sellers...

With Home Values Surging, Is it Still Affordable to Buy Right Now? Housing inventory is at an all-time low. Realtor.com just reported that there are 39% fewer homes for sale today than there were last year. At the same time, buyer demand remains strong. In a recent newsletter, research analyst Ivy Zelman explained: “Although the headwind of severe supply... SIMPLIFYINGTHEMARKET.COM With Home Values Surging, Is it Still Affordable to Buy Right Now?

Knowledge Is Power on the Path to Homeownership Homeownership is on the goal list for many young adults, but sometimes it’s hard to know exactly how to get there. From understanding the homebuying process to pre-approval and down payment assistance options, uncertainty along the way can ultimately hold some buyers back. Today, there are... SIMPLIFYINGTHEMARKET.COM Knowledge Is Power on the Path to Homeownership

5 Tips for Homebuyers Who Want to Make a Competitive Offer Today’s real estate market has high buyer interest and low housing inventory. With so many buyers competing for a limited number of homes, it’s more important than ever to know the ins and outs of making a confident and competitive offer. Here are five keys to success for this important... SIMPLIFYINGTHEMARKET.COM 5 Tips for Homebuyers Who Want to Make a Competitive Offer

Why It Makes Sense to Sell Your House This Holiday Season If you’re one of the many homeowners thinking about taking your house off the market for the holidays, hang on. You definitely don’t want to miss the great selling opportunity you have right now. Here’s why this month is the optimal time to make sure your house is available for holiday buyers. The latest Existing Home Sales Report from The National Association of Realtors (NAR) shows the inventory of houses for sale has dropped to an astonishing all-time low. It now sits at a 2.5-month supply at the current sales pace. Historically, a 6-month supply is necessary for a ‘normal’ or... SIMPLIFYINGTHEMARKET.COM Why It Makes Sense to Sell Your House This Holiday Season

Are Home Prices Headed Toward Bubble Territory? Talk of a housing bubble is beginning to crop up as home prices have appreciated at a rapid pace this year. This is understandable since the appreciation of residential real estate is well above historic annual averages. According to the Federal Housing Finance Agency (FHFA), annual appreciation since 1991 has averaged 3.8%. Here are the latest 2020 appreciation numbers from three reliable sources: FHFA: 7.8% CoreLogic: 7.3% Case-Shiller: 7% It’s easy to jump to the conclusion that house appreciation is out of control in today’s market. However, we need to put these numbers into context... SIMPLIFYINGTHEMARKET.COM Are Home Prices Headed Toward Bubble Territory?

An Honest Look at Unemployment Numbers Last Friday, the Bureau of Labor Statistics released the November Jobs Report. It revealed that, though headed in the right direction, the nation’s job recovery has slowed. The consensus reaction is best exemplified by a quote from Glassdoor Senior Economist, Daniel Zhao: “We saw positive job gains, but I think the sentiment is largely negative because we know that we’re heading into a dark winter.” There’s no doubt that millions of households have been - and continue to be -devastated by the economic downturn caused by the pandemic. We should, however, put the current situation into perspective. Where we... SIMPLIFYINGTHEMARKET.COM An Honest Look at Unemployment Numbers

How Remote Work Can Power Your Vacation Home Sale This year, the opportunity to work remotely has increased the demand for vacation homes. Gay Cororaton, Senior Economist and Director of Housing and Commercial Research at the National Association of Realtors (NAR), notes: “Working from home is a positive factor in demand for vacation... SIMPLIFYINGTHEMARKET.COM How Remote Work Can Power Your Vacation Home Sale

A New Way to Shop for Homes in a Virtual World In a year when we’re learning to do so much remotely, homebuying is no exception. From going to work to attending school, grocery shopping, and even seeing our doctors online, digital practices have changed the way we live. This year, rather than delaying their home purchases, buyers... SIMPLIFYINGTHEMARKET.COM A New Way to Shop for Homes in a Virtual World

3 Reasons to Be Optimistic about Real Estate in 2021 This year will be remembered for many reasons, and optimism is one thing that’s been in short supply since the spring. We’re experiencing a global pandemic, social unrest, an economic downturn, and natural disasters, just to name a few. The challenges brought on by the health crisis have also forced many homeowners to reevaluate their space and what they need in a home going into 2021. So, experts are forecasting that next year is one in which we can be optimistic about real estate for three key reasons. 1. The Economy Is Expected to Continue Improving Tim Duy from the University of Oregon puts it this... SIMPLIFYINGTHEMARKET.COM 3 Reasons to Be Optimistic about Real Estate in 2021

The Holidays Aren’t Stopping Homebuyers This Year Black Friday and Cyber Monday are behind us, yet finding the perfect holiday gifts for friends and family is certainly still top of mind for many right now. This year, there’s another type of buyer that’s very active this holiday season – the homebuyer. Each month, ShowingTime releases their Showing Index which tracks the average number of appointments received on active U.S. house listings. The most recent index notes: “The Showing Index reported a 60.9 percent jump in nationwide showing traffic year over year in October, the sixth consecutive month to see an increase over last... SIMPLIFYINGTHEMARKET.COM The Holidays Aren’t Stopping Homebuyers This Year

5 Steps to Follow When Applying for Forbearance If you’re currently feeling the stress of affording your mortgage payment, or if you know someone who is, there’s still time to get help. For homeowners experiencing financial hardship this year, the CARES Act provides mortgage payment deferral options, creating much-needed relief in these challenging times. It’s important, however, to understand how forbearance works. It’s not automatic. You need to take action now and apply for the program before these options expire. A study by the Urban Institute determined: “Approximately 400,000 homeowners who became delinquent after the pandemic began have... SIMPLIFYINGTHEMARKET.COM 5 Steps to Follow When Applying for Forbearance

Winning as a Buyer in a Sellers’ Market [INFOGRAPHIC] Some Highlights Buying a home in today’s sellers’ market doesn’t have to feel like an uphill battle. Here are four ways to make sure you’re positioned for success when making a home purchase, even when the scale tips toward sellers. Let's connect to make sure you're armed for victory in the housing market this season. SIMPLIFYINGTHEMARKET.COM Winning as a Buyer in a Sellers’ Market

Thinking of Buying or Selling a Home This Winter? Experts forecast a hot real estate market this winter. Let's connect to make sure you have the most current information with the new digital buyer and seller guides.

Want to refinance your home loan? Start by improving your credit score. RISMEDIA.COM How to Get the Best Mortgage Refinance Rates

The Difference a Year Makes for Homeownership Over the past year, mortgage rates have fallen more than a full percentage point, hitting a new historic low 15 times. This is a great driver for homeownership, as today’s low rates provide consumers with some significant benefits. Here’s a look at three of them. 1. Move-up or Downsize: One option is to consider moving into a new home, putting the equity you’ve likely gained in your current house toward a down payment on a new one that better meets your needs – something that’s truly a perfect fit, especially if your lifestyle has changed this year. 2. Become a First-Time Homebuyer: There are many... SIMPLIFYINGTHEMARKET.COM The Difference a Year Makes for Homeownership

The Do’s and Don’ts after Applying for a Mortgage Once you’ve found the right home and applied for a mortgage, there are some key things to keep in mind before you close. You're undoubtedly excited about the opportunity to decorate your new place, but before you make any large purchases, move your money around, or make any major life changes, consult your lender – someone who is qualified to tell you how your financial decisions may impact your home loan. Below is a list of things you shouldn’t do after applying for a mortgage. They’re all important to know – or simply just good reminders – for the process. 1. Don’t Deposit Cash into Your... SIMPLIFYINGTHEMARKET.COM The Do’s and Don’ts after Applying for a Mortgage

Homeowner Equity Increases an Astonishing $1 Trillion In a year that was financially devastating for many Americans, some good news for most homeowners is the dramatic gain in home equity over the last twelve months. Last week, CoreLogic released its 2020 3rd Quarter Homeowner Equity Insights report, which reveals four major findings: U.S. homeowners with mortgages have seen their equity increase by a total of $1 trillion since the third quarter of 2019. The average homeowner gained approximately $17,000 in equity over the past year. This is a 10.8% increase in equity over last year. The average household with a mortgage now has $194,000 in home... SIMPLIFYINGTHEMARKET.COM Homeowner Equity Increases an Astonishing $1 Trillion

2021 Housing Forecast [INFOGRAPHIC] Some Highlights Experts project an optimistic year for the 2021 housing market. With mortgage rates forecasted to remain low, high buyer demand is expected to fuel more home sales and continue to increase home prices. Let’s connect today to determine how to make your best move in the new year. SIMPLIFYINGTHEMARKET.COM 2021 Housing Forecast

Have a baby on the way? Designing a nursery for a friend? Consider these neutral colors. RISMEDIA.COM Move Over Pink and Blue: Neutral Colors for Baby's Room

5 Steps to Take if You Need Forbearance Relief Forbearance programs are helping homeowners manage their monthly mortgage payments right now. Let's connect and follow-up with your lender to make sure you have the information you need to make a confident decision.

Why It’s Important to Price Your House Right Today Even in today’s sellers’ market, setting the right price for your house is one of the most valuable things you can do. According to the U.S. Economic Outlook by the National Association of Realtors (NAR), existing home prices nationwide are forecasted to increase by 4.5% in 2021. This means experts anticipate home values will continue climbing next year. Danielle Hale, Chief Economist for realtor.com, notes: “We expect price gains to ease somewhat in 2021 and end 5.7% above 2020 levels, decelerating steadily through the spring and summer, and then gradually reaccelerating toward the end of the... SIMPLIFYINGTHEMARKET.COM Why It’s Important to Price Your House Right Today

Did You Outgrow Your Home in 2020? It may seem hard to imagine that the home you’re in today – whether it’s your starter home or just one you’ve fallen in love with along the way – might not be your forever home. Many needs have changed in 2020, and it’s okay to admit if your house no longer fits your lifestyle. If you’re now working remotely, facilitating virtual school, trying to exercise at home, or simply just spending more time in your own four walls, you may be bursting at the seams in your current house. According to the latest Home Price Insights from CoreLogic, prices have appreciated 7.3% year-over-year. At the same time... SIMPLIFYINGTHEMARKET.COM Did You Outgrow Your Home in 2020?

Thank You for All Your Support SIMPLIFYINGTHEMARKET.COM Thank You for All Your Support

Afraid to sign up for a credit card? An account that offers rewards might be worth it. RISMEDIA.COM Making the Most of Your Credit Card Rewards

Turning a House into a Happy Home We talk a lot about why it makes financial sense to buy a home, but more often than not, we’re drawn to the emotional reasons for homeownership. No matter the living space, the feeling of a home means different things to different people. Whether it’s a certain scent or a favorite chair, the feel-good connections to our own homes are typically more important to us than the financial ones. Here are some of the reasons why. 1. Owning your home is an accomplishment worth celebrating You’ve likely worked very hard to achieve this dream, and whether it’s your first home or your fifth, congratulations are in order for... SIMPLIFYINGTHEMARKET.COM Turning a House into a Happy Home

Why Selling Your House on Your Own Is a Mistake In today's market, selling your house without an agent's help can be a big mistake. Let's connect to talk about the ways a professional brings greater success to the process.

Why Selling Your House on Your Own in 2021 Is a Mistake There are many benefits to working with a real estate professional when selling your house. During challenging times, like what we face today, it becomes even more important to have an expert you trust to help guide you through the process. If you’re considering selling on your own, known in the industry as a For Sale By Owner (FSBO), it’s critical to consider the following items. 1. Your Safety Is a Priority Your safety should always come first, and that’s more crucial than ever given the current health situation in our country. When you FSBO, it is incredibly difficult to control entry into your... SIMPLIFYINGTHEMARKET.COM Why Selling Your House on Your Own in 2021 Is a Mistake

Verani Realty January 1 at 9:09 AM · 2020 had its trials, but we also had triumphs. Most importantly, we learned –– We learned that with tenacity we can persevere through uncertain times. With innovation, socially distanced doesn't have to mean socially disconnected. With trust and respect, we can come together and support each other. With fun, laughter can light the way. And we know that each and every one of you are essential. Here's wishing you a happy, healthy, and prosperous 2021!

Here's to a Wonderful 2021! SIMPLIFYINGTHEMARKET.COM Here's to a Wonderful 2021!

This insightful article suggests haggling can be done to reduce your costs for phone, cable TV, internet service or even for big-ticket purchases like a household appliance. RISMEDIA.COM How to Haggle on the Phone for Better Prices

Four Expert Views on the 2021 Housing Market The housing market was a shining star in 2020, fueling the economic turnaround throughout the country. As we look forward to 2021, can we expect real estate to continue showing such promise? Here’s what four experts have to say about the year ahead. Lawrence Yun, Chief Economist, National Association of Realtors (NAR) “In 2021, I think rates will be similar or modestly higher, maybe 3%...So, mortgage rates will continue to be historically favorable.” Danielle Hale, Chief Economist, realtor.com “We expect sales to grow 7 percent and prices to rise another 5.7 percent on top of 2020’s already high... SIMPLIFYINGTHEMARKET.COM Four Expert Views on the 2021 Housing Market

Expert Forecast on the 2021 Housing Market Experts forecast a year of continued strength in the housing market. Let's connect to explore how 2021 could be the year to achieve your real estate goals.

Reasons to Hire a Real Estate Professional [INFOGRAPHIC] Some Highlights Choosing the right real estate professional to work with is one of the most important decisions you can make in your homebuying or selling process. The right agent can explain current market conditions and break down exactly what they mean for you. If you’re considering buying or selling a home this year, let’s connect so you can work with someone who has the experience to answer all of your questions about pricing, contracts, negotiations, and more. SIMPLIFYINGTHEMARKET.COM Reasons to Hire a Real Estate Professional

Leaning green? Here's how you can help the environment without revolutionizing your lifestyle. RISMEDIA.COM A Beginner's Guide to Painlessly Going Green

Three Reasons to Buy a Home in 2021 2021 will be a great year to buy a home. Let's connect to make sure you're ready for success in today's housing market.

The Importance of Home Equity in Building Wealth Homeownership has always been the first rung on the ladder leading to household wealth. As Freddie Mac recently posted: “Homeownership has cemented its role as part of the American Dream, providing families with a place that is their own and an avenue for building wealth over time. This ‘wealth’ is built, in large part, through the creation of equity…Building equity through your monthly principal payments and appreciation is a critical part of homeownership that can help you create financial stability.” Home equity is the difference between the current market value of your house and the amount you... SIMPLIFYINGTHEMARKET.COM The Importance of Home Equity in Building Wealth

Why Not to Wait Until Spring to Make a Move The housing market recovery coming into the new year has been nothing short of remarkable. Many experts agree the turnaround from the nation’s economic pause is playing out extremely well for real estate, and the current market conditions are truly making this winter an ideal time to make a move. Here’s a dive into some of the biggest wins for homebuyers this season. 1. Mortgage Rates Are Historically Low In 2020, mortgage rates hit all-time lows 16 times. Continued low rates have set buyers up for significant long-term gains. In fact, realtor.com notes: “Given this means homes could cost potentially tens of... SIMPLIFYINGTHEMARKET.COM Why Not to Wait Until Spring to Make a Move

3 Must-Do’s When Selling Your House This Year It’s exciting to put a house on the market and to think about making new memories in new spaces. However, despite the anticipation of what’s to come, we can still have deep sentimental attachments to the home we’re leaving behind. Growing emotions can help or hinder a sale depending on how we manage them. When it comes to the bottom line, homeowners need to know what it takes to avoid costly mistakes when it’s time to move. Being mindful and prepared for the process can help you stay on the right track when selling your house this year. 1. Price Your Home Right When inventory is low, like it is in the... SIMPLIFYINGTHEMARKET.COM 3 Must-Do’s When Selling Your House This Year

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Why Pre-Approval Is Key in 2021 Today's housing market is highly competitive for homebuyers, so it's critical to gain every advantage in the process that you can. Let's connect to make sure pre-approval is one of the first steps you take toward homeownership this year.

Will Forbearance Plans Lead to a Tsunami of Foreclosures? At the onset of the economic disruptions caused by the COVID pandemic, the government quickly put into place forbearance plans to allow homeowners to remain in their homes without making their monthly mortgage payments. Today, almost three million households are actively in a forbearance plan. Though 29.4% of those in forbearance have continued to stay current on their payments, many have not. Yanling Mayer, Principal Economist at CoreLogic, recently revealed: “A distributional analysis of forborne loans’ payment status reveals that more than one third (39.1%) of all forborne loans are now 150+ days... SIMPLIFYINGTHEMARKET.COM Will Forbearance Plans Lead to a Tsunami of Foreclosures?

4 Reasons People Are Buying Homes in 2021 According to many experts, the real estate market is expected to continue growing in 2021, and it’s largely driven by the lasting impact the pandemic is having on our lifestyles. As many of us spend extra time at home, we’re reevaluating what “home” means and what we may need in one going forward. Here are 4 reasons people are reconsidering where they live and why they’re expecting to buy a home this year. 1. Record-Low Mortgage Interest Rates In 2020, the average interest rate for a 30-year fixed mortgage hit a record low 16 times, continuing to fall further below 3%. According to Freddie Mac, the average... SIMPLIFYINGTHEMARKET.COM 4 Reasons People Are Buying Homes in 2021

What Does 2021 Have in Store for Home Values? According to the latest CoreLogic Home Price Insights Report, nationwide home values increased by 8.2% over the last twelve months. The dramatic rise was brought about as the inventory of homes for sale reached historic lows at the same time buyer demand was buoyed by record-low mortgage rates. As CoreLogic explained: “Home price growth remained consistently elevated throughout 2020. Home sales for the year are expected to register above 2019 levels. Meanwhile, the availability of for-sale homes has dwindled as demand increased and coronavirus (COVID-19) outbreaks continued across the country, which delayed some... SIMPLIFYINGTHEMARKET.COM What Does 2021 Have in Store for Home Values?

Is This the Year to Sell My House? If one of the questions you’re asking yourself is, “Should I sell my house this year?” consumer sentiment about selling today should boost your confidence in the right direction. Even with the current health crisis that continues to challenge our nation, Americans still feel good about selling a house. Here’s why. According to the latest Home Purchase Sentiment Index from Fannie Mae, 57% of consumer respondents to their survey indicate now is a good time to buy a home, while 59% feel it’s a good time to sell one: “The percentage of respondents who say it is a good time to sell a home remained the same at 59... SIMPLIFYINGTHEMARKET.COM Is This the Year to Sell My House?

Owning a Home Is Still More Affordable Than Renting One If spending more time at home over the past year is making you really think hard about buying a home instead of renting one, you’re not alone. You may be wondering, however, if the dollars and cents add up in your favor as home prices continue to rise. According to the experts, in many cases, it’s still more affordable to buy a home than rent one. Here’s why. ATTOM Data Solutions recently released the 2021 Rental Affordability Report, which states: “Owning a median-priced three-bedroom home is more affordable than renting a three-bedroom property in 572, or 63 percent of the 915 U.S. counties... SIMPLIFYINGTHEMARKET.COM Owning a Home Is Still More Affordable Than Renting One

Should I Wait for Lower Mortgage Interest Rates? Historically low mortgage rates are a big motivator for homebuyers right now. In 2020 alone, rates hit new record-lows 16 times, and the trend continued into the early part of this year. Many hopeful homebuyers are now wondering if they should put their plans on hold and wait for the lowest rates imaginable. However, the reality is, acting sooner rather than later may be the actual win if you’re ready to buy a home. According to Greg McBride, Chief Financial Analyst for Bankrate: “As vaccines become more widely available and a return to normal starts to come into view, we’ll see mortgage rates bounce off... SIMPLIFYINGTHEMARKET.COM Should I Wait for Lower Mortgage Interest Rates?

How to Make the Dream of Homeownership a Reality This Year In 1963, Martin Luther King, Jr. inspired a powerful movement with his famous “I Have a Dream” speech. Through his passion and determination, he sparked interest, ambition, and courage in his audience. Today, reflecting on his message encourages many of us to think about our own dreams, goals, beliefs, and aspirations. For many Americans, one of those common goals is owning a home: a piece of land, a roof over our heads, and a place where we can grow and flourish. If you’re dreaming of buying a home this year, start by connecting with a local real estate professional to understand what goes into... SIMPLIFYINGTHEMARKET.COM How to Make the Dream of Homeownership a Reality This Year

Verani Realty January 18 at 10:16 AM · Today, we honor the life and legacy of Dr. Martin Luther King Jr. whose significant role in the racial justice movement helped pave the way and inspire generations of change-makers. May his powerful and timeless words continue to impact our lives, communities, and actions everyday. #MLKday

Nice way to end 2020! Thank you to my buyers & sellers. New Year Thinking about buying or selling? Let’s talk and see if it’s your year to move. Or if you just want to know more about the market, I can help with that too! Verani Realty January 18 at 3:30 PM · 🥳Congratulations to our December Achievers! 🙌You all represent what hard work and tenacity can bring you...which is major success! 🏆We're so proud of the amazing real estate professionals we have at Verani Realty. Our agents have demonstrated great adaptability and resilience in these uncertain times, and they have come out on top! 👀To be the best, you have to surround yourself by the best! Contact Verani Realty today to elevate your real estate business - check out JoinVerani.com

Why Right Now May Be the Time to Sell Your House The housing market made an incredible recovery in 2020 and is now positioned for an even stronger year in 2021. Record-low mortgage interest rates are a driving factor in this continued momentum, with average rates hovering at historic all-time lows. According to the latest Realtors Confidence Index Survey from the National Association of Realtors (NAR), buyer demand across the country is incredibly strong. That’s not the case, however, on the supply side. Seller traffic is simply not keeping up. Here’s a breakdown by state:As the maps show, buyer traffic is high, but seller traffic is low. With so few... SIMPLIFYINGTHEMARKET.COM Why Right Now May Be the Time to Sell Your House

What’s the Difference between an Appraisal and a Home Inspection? If you’re planning to buy a home, an appraisal is an important step in the process. It’s a professional evaluation of the market value of the home you’d like to buy. In most cases, an appraisal is ordered by the lender to confirm or verify the value of the home prior to lending a buyer money for the purchase. It’s also a different step in the process from a home inspection, which assesses the condition of the home before you finalize the transaction. Here’s the breakdown of each one and why they’re both important when buying a home. Home Appraisal The National Association of Realtors... SIMPLIFYINGTHEMARKET.COM What’s the Difference between an Appraisal and a Home Inspection?

Why Moving May Be Just the Boost You Need As we look back over the past year, we’ve certainly lived through one of the most stressful periods in recent history. After spending so much more time at home throughout the health crisis, some are wondering if they should move to improve their mental health and well-being. This is no surprise since the U.S. Census Bureau reported an increase in the percentage of adults with symptoms of anxiety and depression in a recent Household Pulse Survey. There’s logic behind the idea that making a move could improve someone’s quality of life. When people change their scenery, they often feel happier. Catherine Hartley, an... SIMPLIFYINGTHEMARKET.COM Why Moving May Be Just the Boost You Need

What Experts Are Saying about the 2021 Job Market Earlier this month, the Bureau of Labor Statistics (BLS) released their most recent Jobs Report. The report revealed that the economy lost 140,000 jobs in December. That’s a devastating number and dramatically impacts those households that lost a source of income. However, we need to give it some context. Greg Ip, Chief Economics Commentator at the Wall Street Journal (WSJ), explains: “The economy is probably not slipping back into recession. The drop was induced by new restrictions on activity as the pandemic raged out of control. Leisure and hospitality, which includes restaurants, hotels, and amusement... SIMPLIFYINGTHEMARKET.COM What Experts Are Saying about the 2021 Job Market

Financial Fundamentals for Homebuyers [INFOGRAPHIC] Some Highlights When you’re thinking about buying a home, there are a few key steps to take before you even start to look at houses. From saving for your down payment to getting pre-approved for a mortgage, you’ll want to make sure you keep your financial plan on track from the beginning. Let’s connect today to make sure you have an introduction to a trusted lender and the best possible real estate guidance as you begin your homebuying process. SIMPLIFYINGTHEMARKET.COM Financial Fundamentals for Homebuyers

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3 Reality TV Myths Busted Ready to buy a home this year? Let's connect to separate reality from reality TV and make sure your experience is smooth and successful.

Turn to an Expert for the Best Advice, Not Perfect Advice As we approach the anniversary of the hardships we’ve faced through this pandemic and the subsequent recession, it’s normal to reflect on everything that’s changed and wonder what’s ahead for 2021. While there are signs of economic recovery as vaccines are being issued, we still have a long way to go. It’s at times like these we want exact information about anything we’re doing. That information brings knowledge, and this gives us a sense of relief and comfort in uncertain times. If you’re thinking about buying or selling a home today, the same need for information is very real. But... SIMPLIFYINGTHEMARKET.COM Turn to an Expert for the Best Advice, Not Perfect Advice

What Record-Low Housing Inventory Means for You The real estate market is expected to do very well in 2021, with mortgage rates that are hovering at historic lows and forecasted by experts to remain favorable throughout the year. One challenge to the housing industry, however, is the lack of homes available for sale today. Last week, the National Association of Realtors (NAR) released their Existing Home Sales Report, which shows that the inventory of homes for sale is currently at an all-time low. The report explains: “Total housing inventory at the end of December totaled 1.07 million units, down 16.4% from November and down 23% from one year ago (1.39... SIMPLIFYINGTHEMARKET.COM What Record-Low Housing Inventory Means for You

Marie Cruise - Berkshire Hathaway HomeServices Verani Realty January 30 at 12:00 PM · OPEN HOUSE SUNDAY 1/31/2021 FROM 11:00 AM TO 1:00 PM 200 MARKET STREET UNIT 3112 LOWELL MA This well cared for 1 bedroom condo with huge windows is in the heart of downtown Lowell and is waiting for a new owner. Location does not get any better than this. You just step outside your door and explore the sophisticated lifestyle of Arts and Entertainment that include international cuisine, theater, museums, eclectic shops to inspiring galleries and nightlife. Minutes to Umass Lowell, public transportation including train station and major highways. Heat, air conditioning and water are included in your condo fee. With one of the few deeded parking spots just steps from your entrance. This condo comes equipped with its own washer and dryer right inside the unit. Owner is willing to leave some of the furnishings so all you need to do is move right in. There is even storage and a place to lockup your bicycle inside and out of the weather. Whether you are in college, work at the many hospitals or have your office in downtown this is may just be perfect place for you.

OPEN HOUSE SUNDAY 1/31/2021 FROM 11:00 AM TO 1:00 PM 200 MARKET STREET UNIT 3112 LOWELL MA This well cared for 1 bedroom condo with huge windows is in the heart of downtown Lowell and is waiting for a new owner. Location does not get any better than this. You just step outside your door and explore the sophisticated lifestyle of Arts and Entertainment that include international cuisine, theater, museums, eclectic shops to inspiring galleries and nightlife. Minutes to Umass Lowell, public transportation including train station and major highways. Heat, air conditioning and water are included in your condo fee. With one of the few deeded parking spots just steps from your entrance. This condo comes equipped with its own washer and dryer right inside the unit. Owner is willing to leave some of the furnishings so all you need to do is move right in. There is even storage and a place to lockup your bicycle inside and out of the weather. Whether you are in college, work at the many hospitals or have your office in downtown this is may just be perfect place for you.

Is Right Now the Right Time to Sell? [INFOGRAPHIC] Some Highlights If you’re on the fence about selling your house, now is a great time to take advantage of sky-high demand, low supply, and fierce buyer competition. With buyer demand rising and historically low inventory for sale, if you’re in a position to move, your house may really stand out from the crowd. Let’s connect today to get your listing process underway. SIMPLIFYINGTHEMARKET.COM Is Right Now the Right Time to Sell?

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Why Owning a Home Is a Powerful Financial Decision In today’s housing market, there are clear financial benefits to owning a home: increasing equity, the chance to build your net worth, and appreciating home values, just to name a few. If you’re a renter, it’s never too early to think about how homeownership can propel you toward a stronger future. Here’s a dive into three often-overlooked financial benefits of homeownership and how preparing for them now can steer you in the direction of greater financial security and savings. 1. You Won’t Always Have a Monthly Housing Payment Personal finance advisor Dave Ramsey explains: “Every payment brings you... SIMPLIFYINGTHEMARKET.COM Why Owning a Home Is a Powerful Financial Decision

Thinking about Building a New Home? Your Agent Is Critical. [INFOGRAPHIC] Some Highlights A real estate professional is an expert who can advocate on your behalf throughout the process when building a home. Agents help you understand key steps, like choosing upgrades and managing negotiations, while staying within your budget from start to finish. If building is the right option for you, let’s connect so you have a trusted real estate professional who can help you successfully navigate the path to your dream home. SIMPLIFYINGTHEMARKET.COM Thinking about Building a New Home? Your Agent Is Critical.

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Is the Down Payment Myth Blocking Your Path to Homeownership? It's a common misconception that you have to have a 20% down payment to buy a home. Let's connect to make sure you have all the right facts and information you need if you're buying a home this year.

Do I Really Need a 20% Down Payment to Buy a Home? Is the idea of saving for a down payment holding you back from buying a home right now? You may be eager to take advantage of today’s low mortgage rates, but the thought of needing a large down payment might make you want to pump the brakes. Today, there’s still a common myth that you have to come up with 20% of the total sale price for your down payment. This means people who could buy a home may be putting their plans on hold because they don’t have that much saved yet. The reality is, whether you’re looking for your first home or you’ve purchased one before, you most likely don’t need to put 20... SIMPLIFYINGTHEMARKET.COM Do I Really Need a 20% Down Payment to Buy a Home?

Proud of you Jessica. Nice job! Verani Realty February 2 at 4:45 PM · The home buying process isn't always an easy one- that's where our expert agents like Jessica Letourneau come in. They do all the work behind the scenes to make sure you have the best experience finding your forever home. #TestimonialTuesday 💯🙌 #OurAgentsDoMore💪

47% of New Buyers Surprised by How Affordable Homes Are Today Headlines matter. Right now, it’s hard to read about real estate without seeing a headline that suggests homes have become unaffordable for most Americans. In reality, there’s hard evidence that shows how owning a home is more affordable than renting in most parts of the country, as record-low interest rates are keeping monthly mortgage payments about 23% lower than the typical payment of 20 years ago. Despite the facts, misleading headlines persist, and they impact how hopeful homebuyers perceive the market. In a recent survey by realtor.com, home shoppers indicated they were surprised by what... SIMPLIFYINGTHEMARKET.COM 47% of New Buyers Surprised by How Affordable Homes Are Today

Why It’s Easy to Fall in Love with Homeownership [INFOGRAPHIC] Some Highlights Homeownership provides comfort, stability, and security, and it makes you feel more connected to your community. Your home is something to be proud of and is uniquely yours, so you can customize it to your heart’s desire. If you’re ready to fall in love with a home of your own, let’s connect to get you started on the path to homeownership. SIMPLIFYINGTHEMARKET.COM Why It’s Easy to Fall in Love with Homeownership

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4 Ways Your Agent Will Steal Your Heart Having a trusted professional on your side gives you the confidence you need if you're buying or selling a home. Let's connect to make sure your questions are answered every step of the way.

The Luxury Market Is Attracting Buyers in 2021 As more people continue to identify their changing needs this year, some are turning to the upscale housing sector for more space or finer features. In their most recent Luxury Market Report, the Institute for Luxury Home Marketing (ILHM) shares: “In a snapshot of 2020, despite the devasting effects of the coronavirus pandemic, the luxury real estate market has seen one of its strongest years since 2008. In comparison to experts’ predictions in early 2020, it is remarkable how significant demands for property type, location, and amenity preferences have changed amid the pandemic.” With more opportunities to... SIMPLIFYINGTHEMARKET.COM The Luxury Market Is Attracting Buyers in 2021

3 Reasons We’re Definitely Not in a Housing Bubble Home values appreciated by about ten percent in 2020, and they’re forecast to appreciate by about five percent this year. This has some voicing concern that we may be in another housing bubble like the one we experienced a little over a decade ago. Here are three reasons why this market is totally different. 1. This time, housing supply is extremely limited The price of any market item is determined by supply and demand. If supply is high and demand is low, prices normally decrease. If supply is low and demand is high, prices naturally increase. In real estate, supply and demand are measured in... SIMPLIFYINGTHEMARKET.COM 3 Reasons We’re Definitely Not in a Housing Bubble

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Homeowners Today Have Tremendous Equity You may have more home equity today than you realize. Let's connect to plan how you can leverage that equity in your next move.

3 Ways Home Equity Can Have a Major Impact on Your Life There have been a lot of headlines reporting on how homeowner equity (the difference between the current market value of your home and the amount you owe on your mortgage) has dramatically increased over the past few years. CoreLogic indicated that equity increased for the average homeowner by $17,000 in the last year alone. ATTOM Data Solutions, in their latest U.S. Home Equity Report, revealed that 30.2% of the 59 million mortgaged homes in the United States have at least 50% equity. That doesn’t even include the 38% of homes that are owned free and clear, meaning they don’t have a mortgage at... SIMPLIFYINGTHEMARKET.COM 3 Ways Home Equity Can Have a Major Impact on Your Life

Millennials: Is It Time to Buy a Bigger Home? In today’s housing market, all eyes are on millennials. Not only are millennials the largest generation, but they’re also currently between 25 and 40 years old. These are often considered prime homebuying years when many people begin to form their own households and invest in real estate. If you’re like many millennials who are spending much more time at home these days, you may have a growing need for more space or upgraded features, making moving more desirable than ever. For those millennials who already own a home, there’s a great opportunity to move up in 2021. Danielle Hale, Chief Economist at... SIMPLIFYINGTHEMARKET.COM Millennials: Is It Time to Buy a Bigger Home?

3 Ways You’ll Win When You Buy a Home This Year There are so many great reasons to purchase a home, and over the past year, we’ve realized more of them than we ever thought possible. If you’re a first-time homebuyer, having a home of your own can give you a greater sense of security and accomplishment in a time that’s largely uncertain. If you’re a repeat buyer looking for your dream home, making a move might give you the space or features you need to find greater success and happiness in a new normal way of life. Whatever your motivations are, here are three reasons why becoming a homeowner now may help you win big in the long run. 1. Buying a Home Is... SIMPLIFYINGTHEMARKET.COM 3 Ways You’ll Win When You Buy a Home This Year

How Much Leverage Do Today's House Sellers Have? The housing market has been scorching hot over the last twelve months. Buyers and their high demand have far outnumbered sellers and a short supply of houses. According to the latest Existing Home Sales Report from the National Association of Realtors (NAR), sales are up 23.7% from the same time last year while the inventory of homes available for sale is down 25.7%. There are 360,000 fewer single-family homes for sale today than there were at this time last year. This increase in demand coupled with such limited supply is leading to more bidding wars throughout the country. Rose Quint, Assistant Vice President... SIMPLIFYINGTHEMARKET.COM How Much Leverage Do Today's House Sellers Have?

The Reason Mortgage Rates Are Projected to Increase and What It Means for You We’re currently experiencing historically low mortgage rates. Over the last fifty years, the average on a Freddie Mac 30-year fixed-rate mortgage has been 7.76%. Today, that rate is 2.81%. Flocks of homebuyers have been taking advantage of these remarkably low rates over the last twelve months. However, there’s no guarantee rates will remain this low much longer. Whenever we try to forecast mortgage rates, we should consider the advice of Mark Fleming, Chief Economist at First American: “You know, the fallacy of economic forecasting is don't ever try and forecast interest rates... SIMPLIFYINGTHEMARKET.COM The Reason Mortgage Rates Are Projected to Increase and What It Means for You

Where Have All the Houses Gone? In today’s housing market, it seems harder than ever to find a home to buy. Before the health crisis hit us a year ago, there was already a shortage of homes for sale. When many homeowners delayed their plans to sell at the same time that more buyers aimed to take advantage of record-low mortgage rates and purchase a home, housing inventory dropped even further. Experts consider this to be the biggest challenge facing an otherwise hot market while buyers continue to compete for homes. As Danielle Hale, Chief Economist at realtor.com, explains: “With buyers active in the market and seller participation lagging, homes are selling... SIMPLIFYINGTHEMARKET.COM Where Have All the Houses Gone?

Will Low Mortgage Rates Continue through 2021? With mortgage interest rates hitting record lows so many times recently, some are wondering if we’ll see low rates continue throughout 2021, or if they’ll start to rise. Recently, Freddie Mac released their quarterly forecast, noting: “The average 30-year fixed-rate mortgage hit a record low over a dozen times in 2020 and the low interest rate environment is projected to continue through this year. We expect interest rates to average below 3% through the end of 2021. While this is a modest rise from 2020 averages, the recent vote by the Federal Reserve to keep interest rates anchored near zero should keep rates... SIMPLIFYINGTHEMARKET.COM Will Low Mortgage Rates Continue through 2021?

Home Mortgage Rates by Decade [INFOGRAPHIC] Some Highlights Mortgage interest rates have dropped considerably over the past year, and compared to what we’ve seen in recent decades, it’s a great time to buy a home. Locking in a low rate today could save you thousands of dollars over the lifetime of your home loan, but these low rates may not last forever. If you’re in a position to buy a home, let’s connect to determine your best move in today’s housing market while interest rates are still in your favor. SIMPLIFYINGTHEMARKET.COM Home Mortgage Rates by Decade

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Home Prices: What Happened in 2020? What Will Happen This Year? The real estate market was on fire during the second half of 2020. Buyer demand was way up, and the supply of homes available for sale hit record lows. The price of anything is determined by the supply and demand ratio, so home prices skyrocketed last year. Dr. Lynn Fisher, Deputy Director of the Federal Housing Finance Agency (FHFA) Division of Research and Statistics, explains: “House prices nationwide recorded the largest annual and quarterly increase in the history of the FHFA Home Price Index. Low mortgage rates, pent up demand from homebuyers, and a limited housing supply propelled every... SIMPLIFYINGTHEMARKET.COM Home Prices: What Happened in 2020? What Will Happen This Year?

What Are the Benefits of a 20% Down Payment? If you’re thinking of buying a home this year, you may be wondering how much money you need to come up with for your down payment. Many people may think it’s 20% of the loan to secure a mortgage. While there are plenty of lower down payment options available for qualified buyers who don’t want to put 20% down, it’s important to understand how a larger down payment can have great benefits too. The truth is, there are many programs available that allow you to put down as little as 3.5%, which can be a huge benefit to those who want to purchase a home sooner rather than later. Those who have served our country... SIMPLIFYINGTHEMARKET.COM What Are the Benefits of a 20% Down Payment?

Are There Going to Be More Homes to Buy This Year? If you’re looking for a home to purchase right now and having trouble finding one, you’re not alone. At a time like this when there are so few houses for sale, it’s normal to wonder if you’ll actually find one to buy. According to the National Association of Realtors (NAR), across the country, inventory of available homes for sale is at an all-time low – the lowest point recorded since NAR began tracking this metric in 1982. There are, however, more homes expected to hit the market later this year. Let’s break down the three key places they’ll likely come from as 2021 continues on. 1. Homeowners Who... SIMPLIFYINGTHEMARKET.COM Are There Going to Be More Homes to Buy This Year?

It’s a Sellers’ Market [INFOGRAPHIC] Some Highlights Over the past year, homeowners have gained an unprecedented opportunity to sell with great success while buyer demand is soaring. With homes selling twice as fast as they did last year at this time, getting multiple offers, and rising in price, homeowners are in the driver’s seat. Let’s connect today if you’re ready to learn about the leverage you have as a seller in today’s housing market. SIMPLIFYINGTHEMARKET.COM It’s a Sellers’ Market

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Thinking of Getting Your House Ready to Sell? It's a great time to sell your house. Let's connect to make sure it's ready for success on the spring market.

5 Reasons to Sell Your House This Spring When selling a house, most homeowners hope for a quick and profitable transaction that puts them in a position to make a great move. If you’re waiting for the best time to win as a seller, the market is calling your name this spring. Here are five reasons why this is the perfect time to sell your house if you’re ready. 1. There’s high demand from homebuyers. Buyer demand is strong right now, and buyers are active in the market. ShowingTime, which tracks the average number of buyer showings on residential properties, recently announced that buyer showings are up 51.5% compared to this time last year. Daniil... SIMPLIFYINGTHEMARKET.COM 5 Reasons to Sell Your House This Spring

Is It a Good Time to Sell My House? Last year, many homeowners thought twice about selling their houses due to the onset of the health crisis. This year, however, homeowners are beginning to regain their confidence when it comes to selling safely. The latest Home Purchase Sentiment Index (HPSI) by Fannie Mae shows that 57% of consumers believe now is a good time to sell. Doug Duncan, Vice President and Chief Economist at Fannie Mae, explains: “Overall, the index’s monthly increase was driven largely by a substantial jump in the share of consumers reporting that it’s a good time to sell a home, with many citing favorable mortgage rates, high home prices... SIMPLIFYINGTHEMARKET.COM Is It a Good Time to Sell My House?

How to Prepare Your House for a Winning Sale This Spring [INFOGRAPHIC] Some Highlights With so few homes available to buy today, houses are in high demand, and they’re selling fast. That means it’s a great time to sell if you’re ready to make a move. Let’s connect to make sure your house is ready for a top-dollar sale this spring. It may be closer than you think! SIMPLIFYINGTHEMARKET.COM How to Prepare Your House for a Winning Sale This Spring

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4 Ways to Be Ready for a Bidding War In today's competitive market, the average home for sale receives multiple offers. Let's connect to make sure you're fully prepared as a homebuyer for a potential bidding war.

How Smart Is It to Buy a Home Today? Whether you’re buying your first home or selling your current house, if your needs are changing and you think you need to move, the decision can be complicated. You may have to take personal or professional considerations into account, and only you can judge what impact those factors should have on your desire to move. However, there’s one category that provides a simple answer. When deciding to buy now or wait until next year, the financial aspect of the purchase is easy to evaluate. You just need to ask yourself two questions: Do I think home values will be higher a year from now? Do I think mortgage rates will... SIMPLIFYINGTHEMARKET.COM How Smart Is It to Buy a Home Today?

Will the Housing Market Bloom This Spring? Spring is almost here, and many are wondering what it will bring for the housing market. Even though the pandemic continues on, it’s certain to be very different from the spring we experienced at this time last year. Here’s what a few industry experts have to say about the housing market and how it will bloom this season. Danielle Hale, Chief Economist, realtor.com: “Despite early weakness, we expect to see new listings grow in March and April as they traditionally do heading into spring, and last year’s extraordinarily low new listings comparison point will mean year over year gains. One other potential bright... SIMPLIFYINGTHEMARKET.COM Will the Housing Market Bloom This Spring?

How to Be a Competitive Buyer in Today’s Housing Market [INFOGRAPHIC] Some Highlights With so few houses for sale today, it’s important to be prepared when you’re ready to buy a home. Meeting with your lender early, knowing your must-haves and nice-to-haves, preparing for a bidding war, and keeping your emotions in check are all ways to gain confidence in the homebuying process. If you’re looking for an expert guide to help you navigate today’s lightning-fast housing market, let’s connect today. SIMPLIFYINGTHEMARKET.COM How to Be a Competitive Buyer in Today’s Housing Market

When setting up any speaker, it's important to follow the display model! RISMEDIA.COM Setting Up Your Surround Sound Speakers

Thinking of Buying or Selling a Home This Spring? The housing market has a lot to offer both buyers and sellers right now. Let's connect to make sure you have the resources you need for the spring season.

Check out the real estate market in MA this past week! Looking to buy or sell? Let's chat!

Open houses are your chance to walk through a home and envision yourself living there. Here are 10 questions to ask yourself as you venture through your potential new home. Don't be afraid to ask questions. A good Realtor wants the buyer to be an informed buyer. The more you know the more likely you are to make it to the closing table. So ASK QUESTIONS. VERANI.COM 10 Things to Look for at Open Houses | Verani Realty | Verani Realty

Americans See Major Home Equity Gains [INFOGRAPHIC] Some Highlights Today’s home price appreciation is driving equity higher throughout the country. If your needs are changing and you’re ready for a new home, your equity may be a great asset to power your next move. Now is a great time to put your equity toward a down payment on the home of your dreams. SIMPLIFYINGTHEMARKET.COM Americans See Major Home Equity Gains

Although there are many challenges millennials face when building a credit history, here are a few solutions. RISMEDIA.COM Fewer Millennials Qualifying for Credit Cards

Why This Spring Is a Great Time to Sell Your House Today's housing market belongs to homeowners ready to sell. Let's connect to talk about why this spring is a great time to sell your house.

What Is the Strongest Tailwind to Today’s Recovering Economy? Last year started off with a bang. Unemployment was under 4%, forecasters were giddy with their projections for the economy, and the residential housing market had the strongest January and February activity in over a decade. Then came the announcement on March 11, 2020, from the World Health Organization declaring COVID-19 a worldwide pandemic. Two days later, the White House declared it a national emergency. Businesses and schools were forced to close, shelter-in-place mandates were enacted, and the economy came to a screeching halt. As a result, unemployment in this country skyrocketed to... SIMPLIFYINGTHEMARKET.COM What Is the Strongest Tailwind to Today’s Recovering Economy?

What Is the #1 Financial Benefit of Homeownership? There are many financial and non-financial benefits of homeownership, and the greatest financial one is wealth creation. Homeownership has always been the first rung on the ladder that leads to forming household wealth. As Freddie Mac explains: “Homeownership has cemented its role as part of the American Dream, providing families with a place that is their own and an avenue for building wealth over time. This ‘wealth’ is built, in large part, through the creation of equity…Building equity through your monthly principal payments and appreciation is a critical part of homeownership that can help you create... SIMPLIFYINGTHEMARKET.COM What Is the #1 Financial Benefit of Homeownership?

How to Make a Winning Offer on a Home Today’s homebuyers are faced with a strong sellers’ market, which means there are a lot of active buyers competing for a relatively low number of available homes. As a result, it’s essential to understand how to make a confident and competitive offer on your dream home. Here are five tips for success in this critical stage of the homebuying process. 1. Listen to Your Real Estate Advisor An article from Freddie Mac gives direction on making an offer on a home. From the start, it emphasizes how trusted professionals can help you stay focused on the most important things, especially at times when this process can get... SIMPLIFYINGTHEMARKET.COM How to Make a Winning Offer on a Home

Expert Insights on the Budding Spring Housing Market Experts agree the housing market is set to bloom this spring. Let's connect to make sure you're ready to buy or sell this season.

Why You Should Think About Listing Prices Like an Auction’s Reserve Price For generations, the homebuying process never really changed. The seller would try to estimate the market value of the home and tack on a little extra to give themselves some negotiating room. That figure would become the listing price of the house. Buyers would then try to determine how much less than the full price they could offer and still get the home. The asking price was generally the ceiling of the negotiation. The actual sales price would almost always be somewhat lower than the list price. It was unthinkable to pay more than what the seller was asking. Today is different. The... SIMPLIFYINGTHEMARKET.COM Why You Should Think About Listing Prices Like an Auction’s Reserve Price

Should We Fear the Surge in Cash-Out Refinances? Freddie Mac recently released their Quarterly Refinance Statistics report which covers refinances through 2020. The report explains that the dollar amount of cash-out refinances was greater in 2020 than in recent years. A cash-out refinance, as defined by Investopia, is: “a mortgage refinancing option in which an old mortgage is replaced for a new one with a larger amount than owed on the previously existing loan, helping borrowers use their home mortgage to get some cash.” The Freddie Mac report led to articles like the one published by The Real Deal titled, House or ATM? Cash-Out Refinances Spiked in 2020... SIMPLIFYINGTHEMARKET.COM Should We Fear the Surge in Cash-Out Refinances?

What Credit Score Do You Need for a Mortgage? According to data from the most recent Origination Insight Report by Ellie Mae, the average FICO® score on closed loans reached 753 in February. As lending standards have tightened recently, many are concerned over whether or not their credit score is strong enough to qualify for a mortgage. While stricter lending standards could be a challenge for some, many buyers may be surprised by the options that are still available for borrowers with lower credit scores. The fact that the average American has seen their credit score go up in recent years is a great sign of financial health. As someone’s score rises... SIMPLIFYINGTHEMARKET.COM What Credit Score Do You Need for a Mortgage?

To Renovate or Not To Renovate Before You Sell When thinking about selling, homeowners often feel they need to get their house ready with some remodeling to make it more appealing to buyers. However, with so many buyers competing for available homes right now, renovations may not be as vital as they would be in a more normal market. Here are two things to keep in mind if you’re thinking of selling this season. 1. There aren’t enough homes for sale right now. A normal market has a 6-month supply of houses for sale, but today’s housing inventory sits far below that benchmark. According to the National Association of Realtors (NAR), there’s only a 1.9-month... SIMPLIFYINGTHEMARKET.COM To Renovate or Not To Renovate Before You Sell

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