Ginger Alexander, Realtor

10/30/2026

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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.



gingersellsgahomes.com

10/27/2026

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Why Builders May Be More Motivated To Sell Than Homeowners

Pending home sales just dropped 11.3% compared to last year. But what if that slowdown could actually help you get a better deal on a brand-new home?
Here's why that matters.

When the market slows, homeowners and builders don't always react the same way.

A homeowner who isn't getting the offers they want can decide to stay put and wait. But builders? They've already invested in houses they need to sell. And every completed home that sits unsold costs them money.

That can make builders more motivated to negotiate. And the numbers prove they're already making moves.

According to the National Association of Home Builders, 65% of builders are offering incentives, and 43% are cutting prices. The typical reduction? 6%.
For buyers, that could mean serious savings. Think lower prices, help with closing costs, or even a better mortgage rate.

And the biggest opportunities may be hiding in brand-new homes that are already built and waiting for buyers.

So, before you rule out new construction, let’s see which builders in our area may be ready to negotiate.



gingersellsgahomes.com

10/23/2026

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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.



gingersellsgahomes.com

10/20/2026

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Homes Are Still Selling – Even in a Slower Market

Don't let a headline about slowing home sales convince you no one is buying. Homes are still selling every minute of every day.

If you need or want to move, let's talk about what it'll take to make sure yours is one of them.



gingersellsgahomes.com

If you’ve seen headlines saying home sales are slowing down, you may be wondering: is this really a good time to sell?

10/16/2026

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Why Most People Are Still Glad They Bought a Home

Don’t let today’s uncertainty make you lose sight of what homeownership can do over time. Most homeowners say they’d make the same choice again. And decades of home-price growth help explain why.
If you’re wondering whether buying makes sense for you right now, let’s look at the numbers together – and what owning a home could mean for you in the years ahead.



gingersellsgahomes.com

With everything going on, it’s understandable if you’re wondering if you’d regret buying right now.

10/13/2026

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Myth vs. Reality: Does the Fed Control Mortgage Rates?

The Fed doesn’t set mortgage rates, but its hikes can keep them higher for a while. The goal is to bring inflation, and eventually rates, down over time. With more hikes likely this year, waiting may not pay off. So, let's map out a plan that works at today's rates.



gingersellsgahomes.com

You've probably heard the Federal Reserve (the Fed) is raising rates again. And if you're planning to buy or sell a house, you may be wondering what that means for you.

10/09/2026

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Renovate or Relocate? What To Know Before You Decide To Age in Place

Staying and moving can both be good choices. What matters most is finding the place where you'll feel comfortable and at home for years to come.

If you'd like help weighing the two, let's connect. We can look at what your house could sell for and what 55+ communities in our area have to offer, so you can decide what feels right for you.



gingersellsgahomes.com

You've spent years making your house feel like home, celebrating milestones, making each room your own, and turning neighbors into friends. As you look ahead to the next chapter of your life, it's natural to wonder if this is still the place you want to spend it.

10/06/2026

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Hoping for (or Dreading) a Housing Crash? The Experts Just Weighed In.

Whether you're bracing for a crash or hoping for one, the verdict is the same – prices are still expected to rise, not fall. Let's talk about what that means for your market and your plans.



gingersellsgahomes.com

Half the buyers out there are scared home prices are about to crash. The other half are hoping they will.

10/02/2026

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What Higher Mortgage Rates Mean for Home Sellers

Higher mortgage rates are making buyers more cost-conscious. Builders know that, and many are responding with reduced rate, closing-cost help, price reductions, and other incentives.
If you're thinking about selling, let's look at what buyers are getting from other homes in our area – including new construction – and make sure your house is positioned to compete.



gingersellsgahomes.com

Higher mortgage rates don't just affect buyers. They can change what it takes to sell your house, too.

09/29/2026

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The Mortgage Rate You See Online Isn’t Necessarily the One You’d Get.

Headlines and social media make today’s rates sound high. But you have to remember, the rate you’re seeing online and your actual rate could be different. The only way to know what your rate could be is to talk to a trusted lender.

With the right help, you can find out what your real rate is – and where it can take you.



gingersellsgahomes.com

You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that's left you reluctant to buy a home, here's what you need to remember…