“Housing recession” was the phrase of summer 2022, and it scared people out of buying. Debbie takes it apart: it describes a contraction in the number of sales, not a collapse in prices — still up 10.8% year over year while volume fell six straight months.…
In summer 2022 the bidding war moved from the sale market to the rental market — thirty to forty applications per listing and applicants offering above asking rent. Debbie reads the rent data and makes the case for a fixed payment as the only real hedge.…
Most loan officers are licensed in one state - so if you change your mind about where you're moving, your pre-approval doesn't move with you. Debbie explains what actually transfers, why you don't have to start the new job first, and the research list every relocating buyer should work through.…
Cutting a $700,000 list price to $690,000 barely moves what a buyer qualifies for. The same $10,000 as a closing-cost credit solves the thing actually stopping them. Debbie and a veteran agent on the 2022 market shift, seller incentives, and FHA condo spot approvals.…
Two days before the July 2022 Fed decision, Debbie explains what most people get backwards: the market prices the expected hike into rate sheets before it happens. Which debts really track the Fed, why a HELOC keeps climbing, and what buyers should negotiate for instead of waiting.…
Debbie Marcoux
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