Redding Real Estate by Nick Kerley

11/08/2026

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.

Message Us for more info on how to buy or sell in today's market.

11/05/2026

Did the latest climb in mortgage rates take a bite out of your home budget and have you rethinking your move?

If you’re aiming for a $2,000 monthly payment, that rise in rates cut about $22,000 from what you can spend. That’s a lot.

But what if you could close the gap?While headlines focus on lost buying power, they’re not calling enough attention to how seller concessions can offset that blow.

More than 40% of homes for sale have had a price cut, and the typical cut on a median-priced home is around $18,000. That alone could win back most of what rates took.

And you could get back even more by asking for repair credits or closing cost help, too.

How much a seller will negotiate depends on the house and the area. Send a DM to find out how much of that $22,000 you could get back around here.

Message Us for more info on how to buy or sell in today's market.

11/04/2026

Wondering where mortgage rates are headed?

The latest forecasts from Fannie Mae, MBA, and Wells Fargo show rates settling in somewhere between about 6.9% and 7.5% through the end of 2027. That means no big drop is expected, and there’s no big spike to worry about either.

Why? These forecasts are based on where the economy, the job market, and world events stand today. Until those things change, rates probably won’t either.

While it may not be the direction you were hoping for, that kind of steadiness does make it a lot easier to plan your next move.

Let’s run the numbers on what buying or selling looks like at today’s rates, so you can decide based on your goals, not the headlines.

Message Us for more info on how to buy or sell in today's market.

11/01/2026

Pop quiz. What credit score do you need to buy a home?

If your answer was B) 660 or C) 700 … you’re not alone. A lot of people believe you need "perfect" or “near perfect” credit.

But you probably don’t need as high a credit score as you think.

Even though a Veterans United survey shows 57% of would-be buyers think you need at least a 660, the long-standing benchmark for Fannie Mae and Freddie Mac loans is 620, and even that isn’t a hard rule for every loan.

So the real answer? Both A) 620 and D) “it depends” are right.

And with all the changes to credit models lately, even more people will be able to buy than before.

Don’t let myths keep you locked into a lease. Let’s find out where you actually stand.

Message Us for more info on how to buy or sell in today's market.

10/29/2026

Here's something most buyers overlook…

When the housing market slows down, homeowners and builders don't always have the same priorities.

A homeowner may be willing to wait for a better offer. But builders with completed homes sitting unsold often have more reason to keep sales moving.

In October, over 60% of builders offered some type of incentive. And almost half (43%) cut prices.

That could mean more negotiating opportunities for you.

The trick is knowing where to look. Let's find the builders with more move-in-ready homes available right now and see what they're willing to offer to get their inventory sold.

Message Us for more info on how to buy or sell in today's market.

10/28/2026

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.

Message Us for more info on how to buy or sell in today's market.

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.

Message Us for more info on how to buy or sell in today's market.

10/22/2026

What does that mean? With the right strategy you can get your DREAM home and at a better price and terms that you ever expected!

10/14/2026

🏔️ BIG VIEWS. COUNTRY SPACE. ROOM FOR YOUR RV, ANIMALS & HOBBIES.

Imagine ending your day with panoramic mountain views and a picture-perfect look at Mt. Lassen. At 6905 Scotview Lane in Anderson, the outdoor space is just the beginning.

Offered at $589,000, this versatile country property features:

🏡 3-bedroom home with a split floor plan, fireplace, and primary suite
🎱 Renovated game/recreation room with a half bath—bring your ideas for a theater, gym, or entertaining space
🛠️ Shop for projects, equipment, toys, and storage
🚐 RV hookups with a clean-out, plus covered parking
🐎 Usable outdoor space for horses, livestock, and pets
🌳 Mature landscaping, shade trees, and a circular driveway

Summer BBQs, sunset evenings, and room to spread out—all with convenient access to town and opportunities to explore the Sacramento River and Lake Shasta.

What would you put to use first—the shop, the recreation room, or those outdoor spaces?

📸 See photos and full property details:
https://nick.realty110.com/t/416DMG

Call/text 530-242-4114 or message me to schedule your private showing.

Nick Kerley | Broker/Owner
Realty110, Inc. | DRE #01332465
Brokerage DRE #02090852

Take in incredible panoramic mountain VIEWS!, including a picture-perfect view of Mt. Lassen, from this spacious country property offering room to spread out, entertain and enjoy the outdoors. Whether youre hosting a summer BBQ, gathering with friends and family, or simply relaxing after a long day....

10/14/2026

🏡 TWO HOMES. ONE PROPERTY. $395,000 IN WEST REDDING!

Looking for room for extended family—or a home with rental income potential? Discover the possibilities at 816 West Street.

🔑 MAIN HOME
3 bedrooms + 1.5 bathrooms, classic charm, and a bright, inviting interior. Enjoy newer flooring, updated appliances, dual-pane windows, a newer roof, and an updated HVAC system.

🏡 SEPARATE BACK HOUSE
2 bedrooms + 1 bathroom, a full kitchen, air conditioning, and its own laundry hookups.

⚡ Separate electric meters
🌿 Spacious lot for gardening, entertaining, and enjoying the outdoors
📍 Close to shopping, dining, medical services, and the Sacramento River Trail

Live in one and explore renting the other, or bring loved ones closer while keeping your own space.

📸 View photos and full details:
https://nick.realty110.com/t/3Zo8rc

Message me or call/text 530-242-4114 to schedule your private showing.

Nick Kerley | Broker/Owner
Realty110, Inc. | DRE #01332465
Brokerage DRE #02090852

Two homes on one spacious lot in desirable West Redding-an ideal setup for multi-generational living, extended family, or added rental income. Conveniently located near shopping, dining, entertainment, medical services, lakes, and the Sacramento River Trail, this property offers flexibility in a loc...