Li-RealEstate

10/24/2026

What if you could save $150–$300 a month on your mortgage payment just by choosing a different type of loan?

For some homebuyers, that could be a game changer. And it's one reason adjustable-rate mortgages (ARMs) are getting more attention.

According to Bankrate, ARM rates recently came in more than a full percentage point lower than traditional fixed-rate mortgages. That's potentially hundreds of dollars in monthly savings on a median-priced home.

And buyers are taking notice. About 1 in 10 mortgage applicants are now choosing an ARM, according to the Mortgage Bankers Association.

So, what's the catch?

Unlike a fixed-rate mortgage, an ARM gives you a lower introductory rate for a set number of years. After that, your rate can adjust up or down based on market conditions.

That means you could save money upfront, but you'd also need to be comfortable with the possibility of higher payments later.

And here's something worth knowing: Today's ARMs have more borrower protections than the risky loans that made headlines during the 2008 housing crisis.

The bigger takeaway? A traditional 30-year fixed mortgage isn't your only option.
If today's rates are making your homebuying budget feel tight, there may be financing options you haven't explored yet.

Curious whether an ARM could help make your next home more affordable? Connect with a trusted lender who can run the numbers.

10/24/2026

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

From Philip A. Raices/Broker Turn Key Real Estate

What if the home you can afford is one you haven't even considered yet?

If you've been searching for your first home and feeling like everything you love is just outside your budget, here's an option that deserves a second look: condos.
And the numbers might surprise you.

According to Zillow, the typical starter condo costs about $197,000 nationwide. That's roughly 6% less than the typical starter home. And in some markets, the affordability advantage is even bigger.

That could be the difference between continuing to rent and finally getting the keys to a place of your own.

Think about it. A condo could help you buy in a neighborhood you thought was out of reach, spend less on space you don't really need, and enjoy amenities like a pool or gym without the upkeep of a traditional house.

Sure, there are trade-offs. HOA fees, shared walls, and less outdoor space are all worth considering. But for the right buyer, those trade-offs could open a door that felt closed.

Your first home doesn't have to be your forever home. It just has to be the right first step.

Curious what condos are available in your price range? Send a message, and let's see what options you might be missing.

10/24/2026

10/23/2026

Need assistance or a "FREE" 15-min consult, CALL ME! (516) 647-4289 or go to WWW.Li-RealEstate.Com

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.



Desire a "FREE" ANALYSIS ON YOUR RES./COMM PROPERTY

Cuando las tasas hipotecarias suben, comprar una vivienda puede empezar a sentirse como tratar de darle a un blanco en movimiento. Cada aumento en las tasas hace que los pagos mensuales sean más altos, y eso lleva a muchos compradores a buscar otra forma de entrar.

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

From Philip A. Raices/Broker Turn Key Real Estate

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

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.

10/22/2026

Selling your house is a big step, and you want it to go smoothly. And with houses taking a little longer to sell these days, renting it out might start to sound like a nice backup plan.