Derek Tiemann - Realtor

11/03/2026

🏡 JUST LISTED | RICHMOND, IN!🔥

Looking for your next home or investment opportunity? Check this one out!

📍 182 SW 15TH STREET
💰 Only $119,999

🛏️ 4 Bedrooms
🛁 1 Bathroom
✅ Spacious living areas
✅ Updated flooring
✅ Large kitchen with plenty of cabinet space
✅ Covered front porch
✅ Corner lot with yard space

Whether you're looking for a place to call home or another property to add to your portfolio, this one is worth checking out!

📲 Message me for more details or to schedule a showing!

09/27/2026

🏡 MORTGAGE RATES ARE BACK ABOVE 7%. SO WHAT DOES THAT ACTUALLY MEAN?

The biggest thing to understand is this:

Higher rates do not just affect buyers.

They change the entire housing market.

They change what buyers can afford, how many buyers are shopping, how sellers should price, and where opportunities can be found.

Here is the simple breakdown 👇

🔑 BUYERS

THE CONS

❌ Your monthly payment is higher

❌ You may qualify for less house than you did a few weeks ago

❌ A small change in rates can take thousands of dollars away from your buying power

❌ You may have to adjust your price range or expectations

THE PROS

✅ Less competition from other buyers

✅ Sellers may be more willing to negotiate

✅ More opportunity for closing cost assistance

✅ More opportunity to ask for seller paid rate buy downs

✅ You may have more time to inspect, negotiate, and actually think about the purchase

💡 HOW BUYERS CAN ADAPT

Do not shop based only on purchase price.

Shop based on the monthly payment you are comfortable with.

Ask about seller credits.

Ask about rate buy downs.

Compare different loan programs.

Negotiate.

And most importantly, buy something you can afford TODAY.

If rates come down later and you can refinance, great.

That should be a bonus, not the plan that makes the house affordable.

🏠 SELLERS

THE CONS

❌ Buyers have less purchasing power

❌ There may be fewer qualified buyers

❌ Homes may take longer to sell

❌ Buyers are likely to negotiate harder

❌ Overpricing becomes much more painful in this type of market

THE PROS

✅ People still need and want homes

✅ Well priced homes can still sell quickly

✅ You can use creative incentives instead of immediately cutting the price

✅ Offering closing costs or a rate buy down can make your home stand out

✅ Sellers who understand the market can have an advantage over sellers who refuse to adjust

💡 HOW SELLERS CAN ADAPT

Understand what your asking price means as a MONTHLY PAYMENT to the buyer.

Price according to today’s market, not what your neighbor sold for six months ago.

Consider offering closing cost assistance.

Consider helping buy down the buyer’s interest rate.

Make sure your home shows well.

And understand that sometimes a small seller credit can help a buyer much more than the same amount in a price reduction.

📊 THE REALITY

Today’s market has challenges on BOTH sides.

Buyers are fighting affordability.

Sellers are fighting a smaller buyer pool.

But there are also opportunities on both sides.

The people who understand the market and are willing to adjust usually put themselves in the best position.

The housing market did not stop.

The numbers just changed.

And understanding those numbers is more important than ever.

09/11/2026

🚨 BIG CHANGE FOR HOMEBUYERS

The way credit scores are being used for mortgages just changed in a pretty significant way.

As of September 9, Fannie Mae and Freddie Mac approved lenders can broadly use VantageScore 4.0 for eligible mortgages.

FICO is NOT going away. This simply gives lenders another approved credit scoring option.

🏠 Here is where it gets interesting for renters.

VantageScore 4.0 has the ability to consider reported rent payment history.

Think about that.

Someone could pay $1,200, $1,500, or even $2,000 in rent every single month for years and historically receive very little credit for proving they can consistently make a major housing payment.

Now that history has the potential to matter more.

There is an important catch.

Your rent payments have to actually be reported to the credit bureaus for them to become part of your credit file. Simply paying rent every month does not automatically increase your score.

This also does NOT mean everyone will suddenly qualify for a mortgage.

But it does create another opportunity for responsible renters to build a stronger financial profile and potentially move closer to homeownership.

As both a landlord and someone in real estate, this is the part that excites me most.

What if renting wasn't just about paying for somewhere to live?

What if we did a better job helping renters use those years to build credit, save money, become mortgage ready, and eventually purchase a home?

Rent → Build Credit → Prepare → Own 🏡

That is a direction in housing I can get behind.

07/29/2026

Over the last 10+ years in real estate, I've helped a lot of people buy homes, sell homes, and build wealth through real estate. But one thing has always bothered me...
There are so many hardworking people who do everything right, can afford a monthly payment, but don't qualify for a traditional mortgage today.
Instead of accepting that, I want to be part of the solution.
This is the first home I'm offering through a Rent-to-Own program, with the goal of helping families move from renting to owning. My hope is that this is just the beginning and that I can continue creating more opportunities like this throughout our community.
If you know someone who's been saying, "I wish I could buy a home, but I just can't qualify yet," please tag them or share the original post. It might be exactly the opportunity they've been waiting for.
Sometimes people don't need a handout.. they just need a different path. 🏡❤️

🏡RENT TODAY. OWN TOMORROW.🏡

Looking for a way to become a homeowner but not quite ready for traditional financing?
This could be the opportunity you've been waiting for...

📍 205 N. Green Street | Fountain City
✨ 3 Bedroom | 1 Bathroom Home

This beautifully updated home is available through a Rent-to-Own Program designed to give you a clear path to homeownership.

Here's what makes this opportunity different:
🔑 Up to 5 years to purchase the home
📅 Purchase anytime during the 5-year term
📈 Credit and financing guidance throughout the program
💰 A portion of your monthly payments will help build funds that can be used toward your closing costs when you're ready to purchase

This isn't just another rental.. it's an opportunity to work toward owning the home you're living in.
Whether you're rebuilding your credit, self-employed, recently changed jobs, or simply need more time before qualifying for a traditional mortgage, this program is designed to help bridge the gap.

📩 Message today for pricing, qualifications, and to schedule your private showing.

Your future starts with the right opportunity. 🏡

07/29/2026

🏡 OPEN HOUSE THIS SUNDAY! 🏡

Looking for a home that's completely move-in ready with room to spread out? This beautifully remodeled property could be exactly what you've been searching for!

📍 989 Kellam Rd, Centerville, IN
🗓️ This Sunday
⏰ 2:00 PM – 4:00 PM

✨ Home Features:
🛏️ 4 Bedrooms
🛁 2 Full Bathrooms
🌳 2 Acres
🚗 1-Car Attached Garage + 2-Car Detached Garage
🏠 Beautifully Remodeled Throughout

💲 Offered at $279,999

Whether you're actively house hunting or just curious to see what's available, stop by and take a tour. The photos are impressive—but this home is even better in person!

Bring your questions, explore the property, and imagine yourself calling this place home.

📞 Can't make it Sunday?
Call or text me at **765-994-0441 to schedule a private showing.

👇 Know someone looking for a home with acreage? Tag them below or share this post—I appreciate the support! 🏡

Welcome to 989 Kellam Rd in Centerville! This fully remodeled home offers 4 bedrooms and 2 full baths, including a spacious master suite. Situated on 2 acres, the property features an attached 1-car garage plus a detached 2-car garage—perfect for extra storage or workspace. Move-in ready with mode...

04/23/2026

🏡Just listed!🏡
989 Kellam Road, Centerville, IN 📍
💲$289,999💲

4bed 🛏️
2bath 🛁
2 acres 🌅
1 car attached + 2 car deattached garage
Beautifully Remodeled 😍

Call/text with any questions or to schedule your private tour today! 765-439-0179

04/23/2026

🏡JUST LISTED!🏡
309 S Green Street, Fountain City, IN 📍
💰$169,999 💲

3-4 bed 🛏️
1.5bath 🛁
2 car garage 🚗
Large Deck 🌞

Call/text with any questions or to schedule your private tour today! 765-439-0179

04/21/2026

🔥🔥🔥

04/21/2026

🏡COMING SOON!🏡
309 S Green Street, Fountain City, IN 📍

3-4 bed 🛏️
1.5bath 🛁
2 car garage 🚗
Large Deck 🌞

Call/text with any questions or to schedule your private tour today! 765-439-0179

04/21/2026

🏡COMING SOON 🏡
989 Kellam Road, Centerville, IN 📍

4bed 🛏️
2bath 🛁
2 acres 🌅
1 car attached + 2 car deattached garage
Beautifully Remodeled 😍

Call/text with any questions or to schedule your private tour today! 765-439-0179