Christine Adam - Cutler Real Estate

11/06/2026

Want to know what’s next for rates and prices? The forecasts are in.

And the outlook for the housing market in 2027 comes down to one word: steady.

The latest forecasts from Fannie Mae, the Mortgage Bankers Association, and Wells Fargo show mortgage rates holding fairly flat through 2027. No big drop expected. No big spike either.

Lenders agree. In a recent HousingWire survey, 70% of mortgage executives said they expect rates to be around 7.5% or higher six months from now.

Home prices are on a steady path too. On average, those same forecasts show national prices rising about 1% to 1.5% a year through 2027.

So what does that mean for you?

If you’re buying, slower price growth gives you a little more breathing room. And instead of waiting on a rate drop that may not come, you can focus on what you can control, like a monthly payment that feels comfortable today.

If you’re selling, your house should keep holding its value, which makes it easier to plan your move around your goals and timeline.

Just keep in mind, these are national numbers. What’s happening in your neighborhood could look different.

Curious what a move could look like at today’s rates and prices? Let’s run the numbers together.

11/06/2026

Deciding Whether You're Ready to Buy a Home
There isn't one moment when everyone suddenly becomes ready to buy a home. For some people, the decision follows a job change or growing family. Others simply reach the point where renting no longer fits the way they want to live.
Financial preparation matters, but readiness involves more than having...

Buying a home is about more than wanting a place of your own. Consider your finances, plans, and priorities before deciding if the timing is right.

11/02/2026

Experience Cincinnati's best holiday traditions, from the PNC Festival of Lights to Fountain Square ice skating. Find your Queen City lifestyle with Cutler Real Estate.

10/30/2026

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.

10/30/2026

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.

10/23/2026

Your house isn't selling as quickly as you hoped. So, should you just rent it out instead? It's a question more homeowners are asking. And the numbers show just how common this backup plan is becoming.

According to Parcl, about 9% of homes currently listed for rent were originally listed for sale.

That's a lot of homeowners becoming landlords when selling didn't go according to plan.

But before you trade your "For Sale" sign for a "For Rent" sign, there's something worth considering.

Being a landlord isn't always the easy passive income opportunity it sounds like.
Landlord insurance typically costs about 25% more than regular homeowners insurance. Property management can eat up around 10% of your rental income.

And that's before unexpected repairs, vacancies, or late-night maintenance calls.
Suddenly, renting might not look quite as simple.

Now, that doesn't mean renting is a bad idea. For some homeowners, it's absolutely the right move.

But if selling is what you really want, don't give up on that plan just yet.
Sometimes, the difference between a house that sits and one that sells comes down to the changing the strategy.

Thinking about renting your house because selling feels harder than expected? Send a message. Let's compare the numbers and figure out which option actually makes the most sense for you.

10/23/2026

Looking Beyond the Mortgage: Long-Term Costs of Owning a Home
A monthly mortgage payment is one of the first numbers buyers look at, but it isn't the only one that matters. Two homes with similar purchase prices can have very different ongoing costs once taxes, insurance, utilities, maintenance, and other expenses are added in.
Looking beyond the loan payment...

A mortgage payment is only part of the cost of homeownership. Look at taxes, insurance, maintenance, utilities, and other expenses before you buy.

10/16/2026

What's the biggest payment you make every month? If you’re a renter, it's probably your rent.

10/09/2026

You've spent years making your house feel like home, celebrating milestones, making each room your own, and turning neighbors into friends. As you look ahead to the next chapter of your life, it's natural to wonder if this is still the place you want to spend it.

10/09/2026

Making Sense of Seasonal Changes in the Housing Market
Real estate activity tends to shift throughout the year, but that doesn't mean there's one season when everyone should buy. More homes may come on the market during certain months, while other times of year bring fewer listings and different levels of buyer competition.
Those changes are worth noticing....

Housing markets don't behave the same way all year. Learn what seasonal changes can mean for buyers without letting the calendar drive your decision.