Olga Milis

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Brooklyn Downsizing Specialist | Assoc. Broker, RE/MAX Edge | Helping empty-nesters buy & sell

11/06/2026

What if you could make your house more attractive to buyers without lowering your asking price?

With 43% of sellers cutting prices right now, according to HousingWire, it's a question worth asking – especially because there's another way to give buyers what they really want: a lower monthly payment.

It's called a mortgage rate buydown. And the difference can be pretty remarkable.
Here's an example.

Let's say you're willing to offer a buyer $10,000 to help get your house sold.

A $10,000 price reduction could save that buyer about $70 a month.

But putting that same $10,000 toward a temporary mortgage rate buydown could save them roughly $500 a month in the first year.

Same amount from you. A much bigger impact on their immediate budget.

Now, those savings won't last forever with a temporary buydown. But for the right buyer, that upfront relief could be exactly what makes your house stand out.

Thinking about selling? Send me a message. Let's explore which incentives could attract buyers while protecting your bottom line.

11/05/2026

🇪🇨 to Ecuador — Day 2: Exploring Guayaquil! ❤️

Colorful streets, beautiful architecture, unexpected wildlife, and a few new friends who were very patient with my photo sessions! 😂🦎

From wandering through the city to meeting the famous iguanas, Guayaquil definitely had its share of surprises!

And this was only Day 2 of our Ecuadorian adventure! ✈️❤️

ExploreEcuador TravelDiaries

11/04/2026

🤔 “That buyer is just wasting my time!”

Or… maybe not!

When someone makes a low offer on your home, it’s tempting to assume they’re not serious.

But what if they really WANT your home and are simply afraid to offer more?

💡 Not every low offer is a negotiating trick. And not every buyer has extra money tucked away.

🎥 Part 2 of The Lowball Offer Dilemma — let’s look at things from the buyer’s side!

Sometimes a little perspective can save a potential deal. 🏡

11/04/2026

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.

11/02/2026

Your first offer just came in… $150,000 under asking. 😳

The listing got saved. Buyers walked through. Their agents said there was “interest.” Then days of silence, and finally an offer, just not the one you were hoping for.

If that happened to you, what would your first reaction be? Tell me in the comments 👇

11/02/2026

When was the last time you shopped around for home insurance? Because that one move could save you hundreds of dollars a year.

With home insurance taking up a bigger chunk of monthly housing costs, that's an opportunity worth looking into.

And the numbers are pretty eye-opening.

According to Intercontinental Exchange, homeowners who switched insurance companies saved an average of $440 a year. Their premiums dropped 6.6%, while homeowners who stayed with their existing provider saw costs climb 10.4%.

That's a big difference just for shopping around.

And here's more good news: Home insurance costs are still rising, but the pace of those increases is finally slowing down.

So, what does this mean if you're buying a home?

Don't assume the first insurance quote you get is the best one. Comparing providers could help you keep your monthly payment more manageable.

And if you're open to new construction, there's another potential advantage. Newly built homes typically cost 10–15% less to insure than older ones, according to John Burns Research and Consulting.

Want help finding ways to make your next move more affordable? Send me a message. Let's talk.

10/30/2026

🏡 You Set the Asking Price. But Buyers Decide If It’s Worth It! 👀

Here’s something every homeowner should remember:

💰 You can ASK for any price.
🏡 But that doesn’t mean buyers will PAY it!

And when you’re downsizing, overpricing your home could mean more than just waiting longer for an offer. It could delay your next chapter.

The secret? It’s not about pricing LOW. It’s about pricing SMART. 🎯

A well-planned pricing strategy can attract serious buyers, create opportunities for negotiation, and help you move forward with confidence.

🎥 Part 3 — The Finale of My Wiggle Room Pricing Trap Series!

Thinking about downsizing but unsure what your home is really worth? Let’s talk!

RealEstateAdvice

10/30/2026

Every October, the maples by my parking spot in Bergen Beach turn this red. 🍁
Morning sun, golden hour, a gray day — it doesn’t matter. They’re stunning at every hour.
This is the part of Brooklyn real estate that never shows up in a listing: what your block looks like in late October.
What’s the prettiest spot in your neighborhood right now? 👇

10/30/2026

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.

10/28/2026

🏡 Your Home Is Negotiable… But Do Buyers Know That? 🤔

You might be willing to accept less than your asking price, but buyers can’t read your mind!

When a home is priced too high, buyers may not even bother making an offer. They’ll simply move on to the next listing.

And if you’re thinking about downsizing, that could mean more time on the market, more expenses, and a delay in starting your next chapter.

💡 Remember: You can’t negotiate with buyers who never show up!

🎥 Part 2 of my 3-part series: The Wiggle Room Pricing Trap.

Stay tuned for Part 3, where I’ll share how to price your home strategically without leaving money on the table!

RealEstateAdvice

Address

2519 Avenue U
Brooklyn, NY
11229

Telephone

+19173492621

Website

http://linktr.ee/efficientagent

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