STK Lending

If the first half of this year has left you feeling stuck, you're definitely not the only one.

Mortgage rates stayed higher than people hoped. Affordability was still tough. And every time it felt like things might improve, something else got in the way. But here's the good news.

A lot of housing experts think the second half of the year could start heading in a better direction. Not because everything magically gets fixed overnight...

But because if inflation cools off and things settle down overseas, mortgage rates could ease, more buyers could jump back in, and the market could finally start feeling a little less stuck.

Will everything suddenly be easy? Probably not. But after the first half we've had, "better" is a pretty good place to start.

If you're wondering what that could mean for your plans (or for our local market), send me a message.

I’ve got the latest forecasts on rates, prices, and more. And I'd be happy to walk you through...

If your student loans have you wondering whether buying a home is even possible, keep reading.

33% of first-time homebuyers have student loan debt. That's roughly a third. And if they're making it happen, maybe you can too. Here’s why.

Lenders look at your whole financial picture – your income, your credit, your overall debt – not just your loans. So, if your finances are in decent shape, you might be a lot closer to owning than you think.

Don't count yourself out before you even try. Connect with a lender and talk about your options.

What To Expect from the Housing Market in the Second Half of 2026

The second half of the year probably won't be perfect. But it could be better.
Mortgage rates may ease. Home sales could pick up. And prices are expected to continue rising at a healthier, more sustainable pace. If you've been waiting for signs of progress, this is it.
If you want to understand what these forecasts mean for your plans and what’s happening in our local market, let’s connect.

What To Expect from the Housing Market in the Second Half of 2026 If the first half of this year has left you feeling stuck, you're not the only one.

What Buying or Selling a Home Gives Back to Your Community

Moving is both a personal milestone and an investment in your community. So, if the time is right for you, let's connect. You'll make a difference for more people than you know.

What Buying or Selling a Home Gives Back to Your Community Buying or selling a home is a big financial decision. And right now, it feels even bigger.

Buying or selling a home is a big financial decision, especially when costs are high. But if the timing's right for you, here's a reason to feel good about your move.

Every home sale sends real money into your local economy. An existing home adds more than $64,000. A newly built one? Over $134,000.

So, not only is your move a major milestone for you, but it also gives a boost to your community as a whole.

Because behind every sale, there’s a whole network of people doing their jobs – contractors, lenders, inspectors, movers, and more. And your move helps with their livelihoods.

DM me to find out what a move would mean for our area.

Think a newly built home is out of your budget? Over time, it might cost less than you think.

Compared to an existing home that’s 20 years old, buying new saves the average buyer more than $25,000 over the first 10 years.

Why? A brand-new roof, HVAC system, and water heater mean lower energy bills and fewer repairs early on.

So, the home that looks pricier upfront could actually cost you less over time.

DM me, and let’s look at what newly built homes in our area could save you.

Home prices are up in some markets and flat or negative in others. So, what's going on?

It really comes down to one thing: inventory.

Where there are more homes for sale than there were before the pandemic, prices have stabilized or dipped. Where inventory is still well below normal, prices are still climbing.

And that’s why the headlines are so confusing right now. It varies a lot by area.

The national average is 1.7%, but your city’s number may tell a different story depending on where you live. That's exactly why working with someone who knows your local market makes all the difference right now.

Are you trying to buy or sell in the next 6 months? Drop a comment below and I'll tell you what the data says about our market right now.

The Housing Market Is Stronger Than You Think

This market isn't broken, and waiting for a crash that isn't coming has a cost. Every month spent on the sidelines is a month someone else is building equity, locking in a price, or getting ahead of what most experts expect to be a housing surge once broader economic conditions settle.

Whether you're thinking about buying or selling, a local real estate agent can help you figure out what this market means for your specific situation and what your next move could look like.

The Housing Market Is Stronger Than You Think You've probably heard plenty of doom and gloom about the housing market lately.

Down Payments Are Smaller Than They’ve Been Since 2021

Down payments are smaller than they’ve been in years, and that opens the door for more buyers.

And with added help from assistance programs and a little help from loved ones, you may have more ways forward than you realized. Connect with a trusted lender to talk through your options.

Down Payments Are Smaller Than They’ve Been Since 2021 Saving for a down payment can feel like the hardest part of buying a home.