Kenneth Williams - Real Estate Agent

11/06/2026

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.

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.

11/03/2026

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.

10/30/2026

Newly built homes now cost less than existing ones in about 1 in 3 major markets. How much less, exactly? Nationally, a newly built home typically sells for about $35,000 less. So, brand-new could be more budget-friendly than you think. Want to see how newly built and existing homes compare where you’re looking? Let’s tour one of each.

10/29/2026

The headlines about home sales falling through may sound scary. But here's something sellers should know. Most sales go through just fine. Only roughly 10-15% hit a snag.

And the #1 reason those buyers back out is something you can actually head off before it ever becomes a problem.

By getting a pre-listing inspection, you can avoid surprises and keep your sale moving forward, because you’ll already know what the buyer’s inspection will find and can fix it before you ever list or go in ready to negotiate.

Don't let fear of the what-ifs hold you back. With the right prep and a smart strategy, selling is still possible. I help people do it every day.

Let's talk about how to set your house up for success.

10/28/2026

Feeling like buying your first place is still years away? Here’s how to shortcut it.

While data shows saving up and reaching the break even point where owning costs about the same as renting usually takes around 15 years, there are ways to get there faster.

If you set your sights on a starter home, it’s actually closer to seven years. That cuts the time in half. You’re looking at 4.6 years to save and 2.6 to break even.

But keep in mind, those numbers assume you put 20% down. Most first-time buyers put down far less, so that saving timeframe can shrink even more.

DM me, and I'll share a few ways to reach your first home sooner – like talking to a lender about down payment assistance programs.

Since you’ve probably already been saving for a while, you may be closer than you realize.

10/27/2026

Is staging worth it? It may be if you want to get the most for your house.

Data shows every $1 you spend on mid-level staging could add about $3.50 to your profit when you sell.

It can save you time, too. Staged houses can also sell up to 73% faster, which means fewer weeks of keeping everything spotless for showings.

And working with a smaller budget is totally doable. Clearing off counters and arranging furniture so rooms feel open are inexpensive options that can still make a big difference on how well your house shows when it hits the market.

Not every house needs the same level of staging. Want to know which updates would help yours sell sooner – and for more? Send a message, and we’ll walk through it together.

10/26/2026

10/07/2026

What if you could keep the same monthly payment and still buy more home?
That's what a permanent rate buydown can do. You pay points at closing, your rate drops for all 30 years, and lenders qualify you at that lower rate.
And in this market, the seller can often help pay for it.
Point pricing varies by lender and credit, so the real numbers depend on you.
Want to see what a buydown could do for your budget? Send me a message.