Ricky Murray and Associates

11/03/2026

How To Win Back Your Buying Power

The recent jump in mortgage rates cut about $22k from what a buyer with a $2,000 monthly budget can spend. But you can win most of that back at the negotiating table. More than 4 in 10 homes for sale have had a price cut. And the typical cut is about $18k on a median-priced home. That’s just a price cut alone. You may also be able to ask for repair credits, closing cost help, and more. Let’s find the homes where sellers may have some wiggle room and see what we can negotiate.



🏡Thinking of BUYING or SELLING any type of Real Estate? Before you make one of your Biggest Life Decisions, Let's have a NO Obligation Discussion of your options. CONTACT Me Today /919-795-4463
(www.RickyMurray.com)
"Local Native Licensed for 35 Years"

11/03/2026

NEW LOWEST PRICE YET!! LUXURY....VALUE....Exceptional Opportunity !! Now Offered at 899,900.00 ....this exceptional property presents an incredible opportunity for Buyers seeking Luxury, Value and Distinction. The SELLER is Motivated and ready to consider all serious offers! Bring your BEST Offer !! Don't miss this opportunity to make this extradinary HOME yours !! SELLER IS
READY TO SELL.....BRING YOUR OFFER on this Magnificent Home !!

NEW PHOTOS AND VIDEO !! NEW GREAT MAJORPRICE REDUCTION !! **LUXURY HOME* * ''FIRST FLOOR MASTER BEDROOM SUITE'' (Home even has Custom MOVIETHEATER for Entertaining !!) Step into this meticulously maintained turnkey traditional Luxury Home, offered fully furnished forimmediate convenience. Thoughtfully designed for both Elegance and Functionality, this move-in-ready residence is ideal as aprimary home, vacation retreat, or investment opportunity. This Stunning, Custom-built 3,868 sq. ft. traditional home sits on aSpacious 0.92-acre lot and showcases Exceptional Craftsmanship throughout. Featuring 4 bedrooms and 3.5 bathrooms, thisproperty blends elegance, comfort, and functionality in every detail. Upon entering, you'll be immediately greeted by an elegantstone-tiled entryway, soaring ceilings and exquisite Custom finishes. The home boasts wainscoting, coffered ceilings, beadboardaccents, and Custom built-in bookcases, along with rich wood crown molding and beautiful hardwood floors throughout. The Mainlevel offers a luxurious primary suite wing with vaulted ceilings and a serene seating area framed by bay windows. The spa-inspired ensuite bath offers a spacious dual vanity, private water closet, walk-in shower with built-in seating, jacuzzi whirlpool tub,and a Custom walk-in closet. The main level is complete with two additional bedrooms, washer/dryer room with a deep utility sink,and a dedicated, elegant formal dining area--thoughtfully designed for hosting and special gatherings. The modern kitchen featuresgranite countertops, stainless steel appliances, and flows seamlessly into the family and keeping rooms--perfect for entertaining oreveryday living. Upstairs, you'll find a generous fourth bedroom, modern bathroom with Custom-built walk-in shower, and aspacious Bonus room ideal for a home office, playroom, or additional living space. Additional highlights include two StoneFireplaces, a dedicated movie theater with surround sound, and an extra-large walk-in attic providing ample storage. Outdoor livingis equally impressive, featuring a private deck overlooking a flat, fenced backyard, ideal for pets or children. The oversized two-cargarage includes a chairlift for convenient access to the main home. The home is equipped with a state-of-the-art Bluetoothsurround sound system in the primary bedroom, family room, kitchen, keeping room, and outdoor deck. Located in a quietsubdivision just off Highway 401 North, this home offers convenient access to Raleigh's shopping, dining, and entertainment.

(Some photos maybe be A I Enhanced)

LINK : https://www.homes.com/.../7105-barham.../trmleg8013rcc/...
7105 Barham Hollow Dr Wake Forest NC
(899,900.00 )
Please share with anyone you think might be interested. Thank you!

11/02/2026

The Home Insurance Move That Could Save You $440 a Year

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.



🏡Thinking of BUYING or SELLING any type of Real Estate? Before you make one of your Biggest Life Decisions, Let's have a NO Obligation Discussion of your options. CONTACT Me Today /919-795-4463
(www.RickyMurray.com)
"Local Native Licensed for 35 Years"

11/01/2026

Check it out ! My New Home Listing For Sale !! 🤩🤩🤩

Four Bedroom Well Taken Care of Home located in Churchill Subdivision in Knightdale. Bedrooms are Nicely Sized. Has 2.5 Baths. Privately located in a Cul de Sac at end of street. Open floor plan with Cozy Fireplace in the Family Room. Updated Kitchen with Pantry .Luxury Vinyl throughout the home. Carpet in the Bedrooms. Relaxing Screened in Back Porch for morning coffee and evening wine....Patio Area for Grilling and Entertaining. Fenced Back Yard. Near Shopping , Restaurants and Parks in the Knightdale area with lots of local Town Events. Two Car Large Garage. Just an all around Great Home

LINK: https://www.homes.com/property/4404-riley-dr-knightdale-nc/pr08g461ttrd6/?l=98fbld59fw2zt

4404 Riley Dr. in Knightdale / 399,900.00

Contact me for a tour....Please share.....

11/01/2026

Credit Scoring Is Changing: 3 Things Homebuyers Should Know

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.



🏡Thinking of BUYING or SELLING any type of Real Estate? Before you make one of your Biggest Life Decisions, Let's have a NO Obligation Discussion of your options. CONTACT Me Today /919-795-4463
(www.RickyMurray.com)
"Local Native Licensed for 35 Years"

10/31/2026

📍 Price Improvement 📍 This recently reduced home at 7105 Barham Hollow Drive in Wake Forest won't last long, so, don't wait to set up a showing! Reach out here or at (919) 795-4463 for more information!

Ricky Murray
Your Trusted Real Estate Advisor
919-795-4463
[email protected]

NEW LOWEST PRICE YET!! LUXURY....VALUE....Exceptional Opportunity !! Now Offered at 899,900.00 ....this exceptional property presents an incredible opportunity for Buyers seeking Luxury, Value and Distinction. The SELLER is Motivated and ready to consider all serious offers! Bring your BEST Offer...

10/31/2026

The Fed just met and they decided on no rate hike and no rate cut. So, what does that mean if you're watching and hoping for lower mortgage rates?

The short answer: don't expect this to dramatically change things.

For now, they’re holding steady. But a recent survey from Reuters asked 100 economists what to expect from here – and all 100 said the Fed will do a hike in December.

Now, the Fed doesn't directly set mortgage rates, but their actions do have an impact. Rates will also move based on inflation, economic data, and how financial markets react.

The takeaway? There’s a lot at play here – and we’ll probably see a hike the next time they meet.

Follow me for straightforward updates on what’s actually happening and why it matters for the housing market.



🏡Thinking of BUYING or SELLING any type of Real Estate? Before you make one of your Biggest Life Decisions, Let's have a NO Obligation Discussion of your options. CONTACT Me Today /919-795-4463
(www.RickyMurray.com)
"Local Native Licensed for 35 Years"

10/30/2026

Selling your home is a huge deal! Let's talk about how we can get the best outcome for you.

Ricky Murray
Your Trusted Real Estate Advisor
919-795-4463
[email protected]