Julie Childers - Key Realty

11/03/2026

Home insurance has gotten pricier, and that can be frustrating when you’re budgeting for a move. Here’s what you can do about it.

Data shows homeowners who switched insurance companies saved about $440 a year compared to those who stayed with the same insurance provider. And they didn’t have to give up coverage to do it.

So, before you move, compare quotes from a few companies. You may find a better deal than you’d expect.

Not sure when to start gathering insurance quotes? Send a message to see where they fit in your homebuying timeline.

11/02/2026

The Fed just met and they decided on no rate hike and no rate cut. So, what does that mean if you're watching and hoping for lower mortgage rates?

The short answer: don't expect this to dramatically change things.

For now, they’re holding steady. But a recent survey from Reuters asked 100 economists what to expect from here – and all 100 said the Fed will do a hike in December.

Now, the Fed doesn't directly set mortgage rates, but their actions do have an impact. Rates will also move based on inflation, economic data, and how financial markets react.

The takeaway? There’s a lot at play here – and we’ll probably see a hike the next time they meet.

Follow me for straightforward updates on what’s actually happening and why it matters for the housing market.

11/01/2026

Think you need a 700 credit score to buy a home? You might be surprised by how wrong that number is.

And if you've been putting off buying because of your credit, this could change everything.

According to a recent Veterans United survey, 57% of prospective buyers think they need a credit score of at least 660 to qualify for a mortgage. And 34% believe they need 700 or higher.

But here's what many people don't realize.

The traditional benchmark for many conventional loans has been 620. And with recent changes to mortgage credit scoring, even that isn't a hard-and-fast requirement for every loan.

Plus, lenders are beginning to adopt newer credit scoring models that could help millions more Americans get evaluated for a mortgage.

So, the number you see on your credit monitoring app may not tell the whole story about your ability to buy a home.

Does that mean everyone can qualify? Of course not. But it does mean you shouldn't count yourself out before talking to a professional.

Curious where you actually stand? Send me a message, and let's connect you with a lender who can help you find out.

10/31/2026

More than 1 in 4 homes are being bought with cash right now. But here's something that might surprise you about who's buying them.

It's not just wealthy investors swooping in with deep pockets.

A lot of these cash buyers are everyday homeowners who've built up serious equity over the years. And that equity is giving them more buying power than they may have ever imagined.

According to Cotality, the average homeowner with a mortgage has about $310,000 in equity.

Think about what that could mean for your next move.

You might have enough equity to buy your next home outright. No mortgage payment. No worrying about today's interest rates.

And even if you can't pay all cash, that equity could help you borrow significantly less.

But what if you're buying with a mortgage?

Here's some good news: Nearly 3 out of 4 homebuyers are still using financing. You're actually in the majority.

So don't let the headlines about cash buyers make you second-guess what's possible for you. Whether you're buying your first home or using equity to make your next move, there may be more opportunities than you think.

Wondering how you stack up in today's market? Send me a message. Let's talk about your options.

10/31/2026

Small Details That Can Make a Home More Appealing to Buyers
Sellers often think about the big things first: paint, flooring, kitchen updates, or curb appeal. Buyers notice those too, but their impression of a home is also built from dozens of smaller details.
A sticky door, burned-out bulb, or crowded counter probably won't make or break a sale on its own. Enough...

Buyers notice more than major upgrades. A few small details can help your home feel cleaner, easier to use, and better cared for during showings.

10/31/2026

Pop quiz. What credit score do you need to buy a home?

If your answer was B) 660 or C) 700 … you’re not alone. A lot of people believe you need "perfect" or “near perfect” credit.

But you probably don’t need as high a credit score as you think.

Even though a Veterans United survey shows 57% of would-be buyers think you need at least a 660, the long-standing benchmark for Fannie Mae and Freddie Mac loans is 620, and even that isn’t a hard rule for every loan.

So the real answer? Both A) 620 and D) “it depends” are right.

And with all the changes to credit models lately, even more people will be able to buy than before.

Don’t let myths keep you locked into a lease. Let’s find out where you actually stand.

10/30/2026

How to Spot Areas of Your Home That Need Better Ventilation
A room that feels stuffy once in a while isn't necessarily a problem. A room that regularly holds moisture, odors, or stale air deserves a closer look.
Ventilation helps move moisture and indoor air out of areas where they tend to collect. Bathrooms and kitchens are obvious places to check, but problems...

Poor airflow can make parts of a home feel stuffy or damp. Learn where to look for ventilation problems and when they may need more attention.

10/30/2026

Just Listed! Do not miss this new listing at 5950 Draper Road, Jackson.

OFFICIAL LISTING website. 5950 Draper Road, Jackson, MI 49201, 1512 square foot, 2 bedrooms, 2 bathrooms, asking price of $364,900, MLS ID 26057145

10/30/2026

Understanding Home Insurance Before You Buy
Home insurance can feel like something to handle near the end of the buying process. In reality, it's worth thinking about much earlier.
The property itself can affect what coverage is available and what it costs. Roof age, location, past claims, certain features, and regional risks may all matter to...

Home insurance affects more than your monthly housing costs. Learn what buyers should ask about coverage, deductibles, exclusions, and insurability.

10/30/2026

New listing coming soon! Take a look at this upcoming listing at 5950 Draper Road, Jackson.

OFFICIAL LISTING website. 5950 Draper Road, Jackson, MI 49201, 1512 square foot, 2 bedrooms, 2 bathrooms, asking price of $364,900, MLS ID 26057145