Noah Spitzer - Realty One Group - Encore

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Noah Spitzer - Realty One Group - Encore

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Noah Spitzer | REALTOR®
Bismarck, ND 🏡
New Construction Specialist | Helping Buyers Build Smart
Real estate tips • New homes • Local insights

11/01/2026

Is Zillow’s new down payment assistance program right for you?

If you have a steady income, can comfortably afford your mortgage payments, but haven't saved enough for a down payment, this program could be worth exploring.

However, there's a catch.

You need to stay current on your payments and plan to remain in your home for at least 5 years. Moving early or failing to meet the program's requirements could mean having to repay the assistance.

Before jumping into any down payment assistance program, make sure it aligns with your long-term financial goals.

Would you consider using this program to buy a home?

Comment your questions below and follow for more real estate insights!

10/31/2026

What if you could buy a $300,000 home with $0 down?

With Zillow’s new FHA down payment assistance program, eligible buyers could receive up to $10,500 toward their down payment on a $300,000 home.

While closing costs, inspections, and appraisals may still be your responsibility, today’s housing market could give buyers more negotiating power to reduce upfront expenses.

With more homes seeing price reductions, this could be an opportunity worth exploring.

Would this program make buying a home easier for you?

Comment below with your thoughts and follow for more real estate insights!

10/30/2026

Zillow is offering up to 3.5% in down payment assistance but what's the catch?

Eligible FHA buyers could receive assistance with 0% interest, no monthly payments, and full forgiveness after 5 years.

On a $300,000 home, that's potentially $10,500 toward your down payment!

But there's a catch: Leave the home before 5 years, and you could owe the assistance back.
So, is this a game-changer for homebuyers or too good to be true?

10/29/2026

The Housing Market Is Changing. Are You Ready

When there's fear in the market, there's often opportunity.

With home prices adjusting, buyers gaining negotiating power, and potential interest rate changes ahead, now could be an opportunity for first-time buyers, growing families, and those looking to downsize.

But here's the reality: Waiting for the perfect interest rate could mean missing out on the right home.

The housing market is never guaranteed, and the best decision isn't always about timing. It's about understanding your financial situation and having a plan.
Are you waiting for interest rates to drop, or are you looking to buy now?

10/28/2026

🏡 Is NOW the Time to Buy a Home?

When fear takes over the housing market, opportunity can emerge.

With buyers hesitant and sellers becoming more willing to negotiate, first-time homebuyers and those looking to upgrade may have more leverage than they realize.

Yes, mortgage rates are higher, but better deals, seller concessions, and increased negotiating power could create opportunities for the right buyer.

The key isn't timing the perfect market. It's recognizing opportunity when others are fearful.

Would you buy a home in today's market, or are you waiting?

10/27/2026

Is $350,000 becoming the new starting point for homebuyers?

With traditional home prices continuing to rise, manufactured and modular homes could offer a more affordable path to homeownership.

The challenge?
Getting approved for financing.

A new federal task force aims to explore ways to expand access to manufactured housing and improve eligibility for federal financing programs.

In some markets, a manufactured home with land and a permanent foundation could cost approximately $250,000–$300,000, offering buyers a potential alternative to traditional housing.

Could manufactured homes be part of the solution to America's housing affordability crisis?

10/26/2026

Could Trump's new housing executive order make buying a home more affordable in 2027?

One major proposed change is automatic PMI removal, which could save eligible homeowners $100 or more per month.

Instead of manually requesting PMI removal, Fannie Mae and Freddie Mac could use automated home valuations to identify qualifying homeowners and eliminate unnecessary insurance payments.

But there's a catch: Not every mortgage will qualify.

Could this be a step toward making homeownership more affordable?

10/25/2026

Why are bond yields starting to fall?

Concerns surrounding the AI boom could be pushing investors toward safer assets.

Billions have poured into AI, but questions remain about whether companies can generate enough revenue and profits to justify their massive investments.

We're seeing comparisons to the dot-com bubble of the early 2000s, when investment outpaced sustainable growth.

As uncertainty increases, investors may shift toward safer assets like U.S. Treasury bonds, pushing yields lower.

Is the AI bubble starting to crack, or is this just the beginning?

10/25/2026

Is the S&P 500 hiding a bear market?

While the index trades near record highs, a report from The Kobeissi Letter highlights a concerning trend:

59% of S&P 500 stocks have fallen more than 20% from their highs, with 17% down over 50%.

It's being called a "stealth bear market" — where the overall index looks strong, but many individual stocks are struggling.

Is this a warning sign of a bigger correction or a historic buying opportunity?

Address

1401 Skyline Boulevard #210
Bismarck, ND
58503

Telephone

+17019343542

Website

https://noahspitzer.myrealtyonegroup.com/

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