Homes On Water

10/26/2026

A slow drip under a sink or a small moisture mark can be easy to overlook, especially when everything else appears to be working normally. Water, however, deserves attention when it appears where it should not.

Periodically check beneath sinks, around toilets, near tubs and showers, and around visible plumbing connections. Look for staining, swelling, peeling finishes, unusual odors, or areas that remain damp.

For buyers, these visible details can be worth noticing during a showing, while a professional inspection can provide a more complete evaluation. For homeowners, catching an issue early may help limit damage to surrounding cabinetry, flooring, or finishes.

Make visible plumbing areas part of your regular home check rather than waiting for an obvious problem to appear.

When was the last time you checked under your sinks for signs of a leak? Let me know in the comments.

10/26/2026

Today, a growing number of homeowners who set out to sell end up as landlords instead. About 9% of homes for rent were up for sale first. In the industry, we call it “accidental landlords.”

And if you’re watching the market and trying to decide between selling or renting, here’s what you need to know…

While renting out your house can be a great fit for some people, being a landlord is a job of its own. Suddenly, you’re fielding weekend calls about a leaky dishwasher and you’ve got a plumber on speed dial. And you’re still on the hook for the mortgage any month the house sits empty.

That doesn’t mean renting is a bad option, it just means you have to know what you’re getting into. And if you’d rather sell, let’s talk. Because with the right price and a strong marketing plan it is still doable today.

10/25/2026

Real estate headlines can provide useful context, but they rarely tell the entire story of what is happening around one specific property. Conditions can vary between neighborhoods, price points, and even different types of homes.

Inventory, days on market, recent comparable sales, property condition, and buyer activity can all influence how a home should be evaluated. Broader market data is most useful when it is paired with information that reflects the area where you actually plan to buy or sell.

Your timing and goals matter too. The right decision for one buyer or seller may look completely different for another.

If you are trying to make sense of the market in your area, reach out and let’s look at the information that matters to your situation.

10/25/2026

Adjustable-rate mortgages (ARMs) are making a comeback, and it's easy to see why.

In October, starting rates for ARMs were running almost a full percentage point below fixed-rate loans. On a median-priced home, that can mean your payment could be roughly $150-300 less per month.

For buyers struggling with affordability, that’s worth considering. Just know that they do come with some trade-offs – the biggest of which is that your rate (and your payment) could rise after a set timeframe.

And just in case you’re thinking…aren't ARMs risky? You should know today's ARMs aren't like the ones from 2008. But they do work differently than a fixed-rate mortgage, so it pays to understand them first.

A trusted lender can help you explore how these loans work, how they can help, and walk you through the what-ifs.

10/24/2026

👻 The only scary thing about selling your home should be the Halloween decorations!

Thinking about buying or selling? Let's make your next move a treat, not a trick! 🏡🎃

Have a great Halloween, everyone!

10/24/2026

Outdoor space can remain an important part of a home well beyond summer. Covered patios, porches, decks, and thoughtfully designed backyards can offer another place to relax as the seasons change.

When viewing a property, consider more than the size of the yard. Look at privacy, lighting, access from the interior, drainage, storage, and how much ongoing maintenance the landscaping may require.

A smaller outdoor area with a practical layout can sometimes be more useful than a larger yard that does not fit your routine. Think about how the space could work throughout different times of the year.

When searching for your next home, what matters more to you: a large yard or a smaller outdoor space designed well? Let me know in the comments.

10/24/2026

Are home prices going up or down? It depends on where you look.

Over the past year, prices in Chicago climbed almost 7%. In Seattle, they dipped about 1.6%. That’s a nearly 9-point gap between two major cities.

Look at little closer, though. Home prices are rising in 13 of the 19 major cities on this chart. And where prices are down, the dips are small (less than 2%).

So, this isn’t a crash. It’s just a market normalizing after overheating during the pandemic. And that’s hitting some areas differently than others.

Here’s what it really means. Your local market matters.

If you’re selling where prices are still rising, you may not need to cut your price. And if you’re buying where prices are softer, you may have more room to negotiate.

National headlines can’t tell you which side your neighborhood is on. Local data can. Let’s look at how prices are moving in your area, so you can set your price or make your offer with confidence.

10/23/2026

Windows and exterior doors play an important role in how comfortable a home feels as temperatures begin to fall. This is a good time of year to take a closer look at their condition.

Check for worn weatherstripping, damaged caulk, visible gaps, difficult operation, or noticeable drafts around frames. These details may seem small, but they can affect comfort throughout the colder months.

If you are touring a property, look at the general age and condition of the windows and doors instead of focusing only on the view. Existing homeowners can use the season to identify areas that may need simple maintenance or professional attention.

Add windows and doors to your fall checklist before colder weather makes those little drafts much easier to notice.

10/23/2026

Why More Buyers Are Turning To Adjustable-Rate Mortgages Today

Today's market has more options than many people realize. Finding the right one could be as simple as getting more information about tools like ARMs. A trusted lender can run the numbers with you, walk you through the what-ifs, and help you explore the possibilities.

Is an ARM a good option for you? Talk to a loan officer to find out.

When mortgage rates climb, buying a home can start to feel like trying to hit a moving target. Every jump in rates makes monthly payments bigger, and that pushes a lot of buyers to look for another way in.

10/23/2026

Today's Real Estate Update!

Why More Buyers Are Turning To Adjustable-Rate Mortgages Today

Today's market has more options than many people realize. Finding the right one could be as simple as getting more information about tools like ARMs. A trusted lender can run the numbers with you, walk you through the what-ifs, and help you explore the possibilities.

Is an ARM a good option for you? Talk to a loan officer to find out.

Contact Me First!

When mortgage rates climb, buying a home can start to feel like trying to hit a moving target. Every jump in rates makes monthly payments bigger, and that pushes a lot of buyers to look for another way in.