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Should I Sell My House This Year?

The Gresham Group — Fri, 09 Sep 2022 12:00:11 +0000

There’s no denying the housing market is undergoing a shift this season as buyer demand slows and the number of homes for sale grows. But that shift actually gives you some unique benefits when you sell. Here’s a look at the key opportunities you have if you list your house this fall.

Opportunity #1: You Have More Options for Your Move

One of the biggest stories today is the growing supply of homes for sale. Housing inventory has been increasing since the start of the year, primarily because higher mortgage rates helped cool off the peak frenzy of buyer demand. But what you may not realize is, that actually could benefit you.

If you’re selling your house to make a move, it means you’ll have more options for your own home search. That gives you an even better chance to find a home that checks all of your boxes. So, if you’ve put off selling because you were worried about being able to find somewhere to go, know your options have improved.

Opportunity #2: The Number of Homes on the Market Is Still Low

Just remember, while data shows the number of homes for sale has increased this year, housing supply is still firmly in sellers’ market territory. To be in a balanced market where there are enough homes available to meet the pace of buyer demand, there would need to be a six months’ supply of homes. According to the latest report from the National Association of Realtors (NAR), in July, there was only a 3.3 months’ supply.

While you’ll have more options for your own home search, inventory is still low, and that means your home will still be in demand if you price it right. That’s why the most recent data from NAR also shows the average home sold in July still saw multiple offers and sold in as little as 14 days.

Opportunity #3: Your Equity Has Grown by Record Amounts

The home price appreciation the market saw over the past few years has likely given your equity (and your net worth) a considerable boost. Danielle Hale, Chief Economist at realtor.com, explains:

“Home owners trying to decide if now is the time to list their home for sale are still in a good position in many markets across the country as a decade of rising home prices gives them a substantial equity cushion . . .”

If you’ve been holding off on selling because you’re worried about how rising prices will impact your next home search, rest assured your equity can help. It may be just what you need to cover a large portion (if not all) of the down payment on your next home.

Bottom Line

If you’re thinking about selling your house this season, let’s connect so you have the expert insights you need to make the best possible move today.

For local market tips, expert advice, and to begin the buying or selling process, get in touch with our team.

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Disclaimer: The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. The Gresham Group with ReeceNichols Real Estate and Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. The Gresham Group and Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

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How Owning a Home Builds Your Net Worth

The Gresham Group — Wed, 07 Sep 2022 12:00:32 +0000

Owning a home is a major financial milestone and an achievement to take pride in. One major reason: the equity you build as a homeowner significantly improves your net worth. With high inflation, the link between owning your home and building your wealth is crucially important.

If you’re looking to increase your financial security, here’s why now is the time to start your journey toward homeownership.

Owning a Home Is a Key Ingredient for Financial Success

A report from the National Association of Realtors (NAR) details several homeownership trends, including a significant gap in net worth between homeowners and renters. It finds:

“. . . the net worth of a homeowner was about $300,000 while that of a renter’s was $8,000 in 2021.”

To put that into perspective, the average homeowner’s net worth is roughly 40 times that of a renter’s. This difference shows owning a home is a key step in achieving financial success.

Equity Gains Can Substantially Boost a Homeowner’s Net Worth

The net worth gap between owners and renters exists in large part because homeowners build equity. When you own a home, your equity grows as your home appreciates in value and you make monthly mortgage payments. As a renter, you don’t have that same opportunity. A recent article from CNET explains:

“Homeownership is still considered one of the most reliable ways to build wealth. When you make monthly mortgage payments, you’re building equity in your home . . . When you rent, you aren’t investing in your financial future the same way you are when you’re paying off a mortgage.”

Additionally, your home equity grows even more as your home appreciates in value over time. That has a major impact on the wealth you build, as a recent article from Bankrate notes:

“Building home equity can help you increase your wealth over time, . . . A home is one of the only assets that have the potential to appreciate in value as you pay it down.”

Meaning, your mortgage payment acts as a contribution to a savings account that increases in value as your home does. When you sell, any equity you’ve built up comes back to you. As a renter, you’ll never see a return on the money you pay out in rent every month.

[Green Graph] A recent Home Price Expectation Survey of over one hundred economists, real estate experts, and investment and market strategists, estimates a cumulative appreciation over the next five years.

[Blue Map] According to the latest Homeowner Equity Insights from CoreLogic, the average homeowner’s equity has grown by $64,000 over the last 12 months. If you want to know what’s happening in your area, the map breaks down the average year-over-year equity growth for each state using the data from CoreLogic.

[Orange Graph] According to the latest data from realtor.com and the National Association of Realtors (NAR), it may actually be more affordable to buy than rent, even as home prices rise.

Bottom Line

Owning a home is an important part of building your net worth. If you’re ready to start on your journey to homeownership, let’s connect today. No matter where you’re at in your homeownership journey, the best way to make sure you’re set up for success is to work with a real estate professional.

For local market tips, expert advice, and to begin the buying or selling process, get in touch with our team.

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What Sellers Need to Know in Today’s Housing Market

The Gresham Group — Wed, 31 Aug 2022 00:00:11 +0000

If you’re thinking about selling your house, you may have heard about the housing market slowing down in recent months. While it’s still a sellers’ market, the peak frenzy the market saw over the past two years has cooled some. If you’re asking yourself if you’ve missed your chance to sell your house and make a move, the good news is you haven’t – motivated buyers are still out there. But you do need to price your house right for today’s market. Here’s why.

As Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), says:

“Homes priced right are selling very quickly, but homes priced too high are deterring prospective buyers.”

It’s true buyer demand has slowed over the past few months as higher mortgage rates made it more expensive to buy a home. The result is fewer bidding wars and less competition among buyers (see visual below):

But don’t forget – that’s compared to the severely overheated market we saw over the past two years. According to the latest Confidence Index from NAR:

“. . . 39% of homes sold above list price, down from 51% a month ago and 50% a year ago.”

While this is a slower pace than even one month ago, serious buyers are still actively in the market, and they’re buying homes that are priced right. In fact, the Confidence Index also notes the average home is selling in just 14 days.

If you’re aiming to sell your house, be sure you’re working with your agent to price it for today’s housing market. As buyer demand softens, it’s important to understand this isn’t the same market as last year. It’s not even the same market as just a few months ago. But it is still a sellers’ market.

If you’re ready to sell your house, seek the advice of a real estate professional. In some cases, you’ll need to adjust your expectations accordingly to meet the market where it is today. Selma Hepp, Interim Lead, Deputy Chief Economist at CoreLogic, explains what’s happening and what it means when you sell:

“Signs of a broader slowdown in the housing market are evident, . . . This is in line with our previous expectations and given the notable cooling of buyer demand due to higher mortgage rates. . . . Nevertheless, buyers still remain interested, which is keeping the market competitive — particularly for attractive homes that are properly priced.”

Bottom Line

While the housing market has cooled from its overheated frenzy, it’s still a sellers’ market. Let’s connect so you understand what’s happening with buyer demand and home prices in our local area as you get ready to enter the market.

For local market tips and expert advice, get in touch with our team.

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Why a Home Inspection Is Important

The Gresham Group — Mon, 29 Aug 2022 16:01:21 +0000

What an Inspection Does

Home inspections assess the condition of a home.

What Home Inspectors Look for

While it varies by state, here are some things inspectors generally look for in existing homes:

HVAC and heating system problems
Plumbing or electrical issues
Structural concerns (like the foundation)
Exterior rot or decay
Roof condition (shingle or flashing problems)

Why It Matters

According to NAR, roughly 30% of Buyers are waiving their inspections. Why is it not worth the risk? Getting an inspection ensures you know what condition the home is in to avoid costly surprises down the road.

Some Highlights

If you’re buying a home, here’s what you should know about your home inspection and why it’s so important.
A home inspection is a crucial step in the homebuying process. It assesses the condition of the home you plan to purchase so you can avoid costly surprises down the road.
Let’s connect so you have an expert on your side to guide you through the process.

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Disclaimer: The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. The Gresham Group with ReeceNichols Real Estate and Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

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Will Home Prices Drop? Housing Market Predictions in 2022

The Gresham Group — Sun, 28 Aug 2022 00:00:30 +0000

One of the biggest questions people are asking right now is: what’s happening with home prices? As the market continues to shift, many are wondering if they should wait for prices to drop, or make their next move now. Despite headlines about ongoing price appreciation, some sellers are actually reducing the price of their homes. That can feel confusing, leaving homeowners and first time buyers wondering what their current options are.

Do not lose faith. Navigating any market is possible with accurate information. Let’s begin by breaking down the differences among these frequently used terms to help clarify what’s actually happening today.

Appreciation is when home prices increase.
Depreciation is when home prices decrease.
Deceleration is when home prices continue to appreciate, but at a slower or more moderate pace.

Experts agree that, nationally, what we’re seeing today is deceleration. That means home prices are appreciating, just not at the record-breaking pace they have over the past year. In 2021, data from CoreLogic tells us house prices appreciated by an average of 15% nationwide. And earlier this year, that appreciation was upward of 20%. This year, housing experts forecast prices will appreciate at a decelerated pace of around 10 to 11%, on average.

The graph above uses the latest data from CoreLogic to help tell the story of how house prices are decelerating, but not depreciating so far this year. As the pink bars show, home prices appreciated between 19-20% year-over-year from January to March. But over the last few months, the pace of that appreciation has decelerated to 18%. This means price growth is still climbing compared to last year but at a slower rate.

As the Monthly Mortgage Monitor from Black Knight explains:

“Annual home price growth dropped by nearly two percentage points . . . – the greatest single-month slowdown on record since at least the early 1970s. . . While June’s slowdown was record-breaking, home price growth would need to decelerate at this pace for six more months to drive annual appreciation back to 5%, a rate more in line with long-run averages.”

Basically, while moderating, home prices are still far above the “norm”, and we’d have to see a lot more deceleration to even fall in line with more typical rates of house price growth. Note: We are still not encountering home price depreciation.

The big takeaway is home prices haven’t fallen or depreciated nationwide, they’re just decelerating or moderating. While some unique and overheated markets may see declines, nationally, home prices are forecast to appreciate. And when we look at the country as a whole, none of the experts project home prices will net depreciate or fall. They’re all projecting ongoing appreciation.

Bottom Line

No matter where you’re at in your homeownership journey, the best way to make sure you’re set up for success is to work with a real estate professional. If you have questions about what’s happening with house prices in our local area, send us a message and we will be in touch shortly!

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3 Tips for Buying a Home Today

The Gresham Group — Mon, 22 Aug 2022 12:00:18 +0000

If you put off your home search at any point over the past two years, you may want to consider picking it back up based on today’s housing market conditions. Recent data shows the supply of homes for sale is increasing, giving buyers like you additional options.

But it’s important to keep in mind that while inventory is improving, it’s still a sellers’ market. And that means you need to be prepared as you set out on your home search. Here are three tips for buying the home of your dreams today.

1. Understand How Mortgage Rates Impact Your Homebuying Power

Mortgage rates have increased significantly this year, and over the past few weeks, they’ve been fluctuating quite a bit. It’s important to stay up to date on what’s happening with rates and understand how they can impact your purchasing power when you’re thinking of buying a home. The charts below can help.

Swipe through the Buyer’s Purchasing Power charts and see how even a small change in mortgage rates can have a big impact on your monthly payments. If rates rise, you could exceed your budget unless you pursue a lower home loan amount. If rates fall, your purchasing power may increase, which could give you additional options for your search.

2. Be Open to Exploring Different Options During Your Search

The supply of homes for sale is improving, which gives you more homes to choose from. But historically, supply is still low. That means as you search for homes, if you still don’t find something that meets your needs, it may be worth expanding your search.

A recent article from the Washington Post highlights a few things buyers can consider today. It encourages opening yourself up to more areas. For example, if there’s a location you’ve previously ruled out (like a particular town, for example) it may be worth taking another look.

And if you’re able to, opening your search up to include other housing types, like newly built homes, condominiums, or townhomes can further increase your pool of options. Even as the inventory of homes for sale improves today, finding ways to cast a wider net during your search could help you find a hidden gem.

3. Work with a Local Real Estate Professional for Expert Guidance

Ultimately, you need to be prepared when you set out to buy a home. Jeff Ostrowski, Senior Mortgage Reporter for Bankrate, explains:

“Taking the leap to homeownership can provide a feeling of pride while boosting your long-term financial outlook, if you go in well-prepared and with your eyes open.”

No matter where you’re at in your homeownership journey, the best way to make sure you’re set up for success is to work with a real estate professional. If you’re just starting your search, a real estate professional can help you understand your local market and search for available homes. And when it’s time to make an offer, they’ll be an expert advisor and negotiator to help yours stand out above the rest.

Bottom Line

Strategically planning your home search by understanding today’s mortgage rates, casting a wide net, and building a team of experts can be the keys to finding the home of your dreams. To make sure you have expert advice each step of the way, let’s connect.

For additional homebuying tips and expert advice, get in touch with our team.

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Is Homeownership Still the American Dream?

The Gresham Group — Tue, 05 Jul 2022 18:57:44 +0000

Defining the American dream is personal, and no one individual will have the same definition as another. But the feelings it brings about – success, freedom, and a sense of prosperity – are universal. That’s why, for many people, homeownership remains a key part of the American Dream. Your home is your stake in the community, a strong financial investment, and an achievement to be proud of.

A recent survey from Bankrate asked respondents to rank achievements as indicators of financial success, and the responses prove that owning a home is still important to so many Americans today (see graph below):

As the graph shows, homeownership ranks above other significant milestones, including retirement, having a successful career, and earning a college degree.

That could be because owning a home is a significant wealth-building tool and provides meaningful financial stability. The National Association of Realtors (NAR) explains:

“Homeownership builds financial security. With 65.5% of Americans owning homes, the net worth of a typical homeowner is nearly 40 times the net worth of a non-owner.”

There are other ways your home acts as more than just a roof over your head, too. The Mortgage Reports highlights a few of the many benefits homeowners enjoy, including:

Your equity (and wealth) grows through home price appreciation.
Your housing costs are fixed – and that can help combat rising costs from inflation.
You’ll have greater privacy and the opportunity to customize your living space.

Plus, homeowners tend to be more active in their community. Like NAR says:

“Living in one place for a longer amount of time creates and [sic] obvious sense of community pride, which may lead to more investment in said community.”

What Does That Mean for You?

If your definition of the American Dream involves greater freedom and prosperity, then homeownership could play a major role in helping you achieve that dream. When you set out to buy, know there are incredible benefits waiting for you at the end of your journey. You’ll have a place you can call your own, feel most comfortable, and grow your wealth.

First American puts it best, saying:

“Homeownership remains central to the pursuit of the American Dream. It is a critical driver of economic mobility, delivering financial and social advantages. . . .”

Bottom Line

Buying a home is a powerful decision and a key part of the American Dream. And if homeownership is part of your personal dreams this year, let’s connect and start the process today.

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Is the Housing Market Correcting?

The Gresham Group — Fri, 01 Jul 2022 19:52:12 +0000

If you’re following the news, all of the headlines about conditions in the current housing market may leave you with more questions than answers. Is the boom over? Is the market crashing or correcting? Here’s what you need to know.

The housing market is moderating compared to the last two years, but what everyone needs to remember is that the past two years were record-breaking in nearly every way. Record-low mortgage rates and millennials reaching peak homebuying years led to an influx of buyer demand. At the same time, there weren’t enough homes available to purchase thanks to many years of underbuilding and sellers who held off on listing their homes due to the health crisis.

This combination led to record-high demand and record-low supply, and that wasn’t going to be sustainable for the long term. The latest data shows early signs of a shift back to the market pace seen in the years leading up to the pandemic – not a crash nor a correction. As realtor.com says:

“The housing market is at a turning point. . . . We’re starting to see signs of a new direction, . . .”

Home Showings Then and Now

The ShowingTime Showing Index tracks the traffic of home showings according to agents and brokers. It’s a good indication of buyer demand. Here’s a look at that data going back to 2019 (see graph below):

The 2019 numbers give a good baseline of pre-pandemic demand (shown in gray). As the graph indicates, home showings skyrocketed during the pandemic (shown in blue). And while current buyer demand has begun to moderate slightly based on the latest data (shown in green), showings are still above 2019 levels.

And since 2019 was such a strong year for the housing market, this helps show that the market isn’t crashing – it’s just at a turning point that’s moving back toward more pre-pandemic levels.

Existing Home Sales Then and Now

Headlines are also talking about how existing home sales are declining, but perspective matters. Here’s a look at existing home sales going all the way back to 2019 using data from the National Association of Realtors (NAR) (see graph below):

Again, a similar story emerges. The pandemic numbers (shown in blue) beat the more typical year of 2019 home sales (shown in gray). And according to the latest projections for 2022 (shown in green), the market is on pace to close this year with more home sales than 2019 as well.

It’s important to compare today not to the abnormal pandemic years, but to the most recent normal year to show the current housing market is still strong. First American sums it up like this:

“. . . today’s housing market looks a lot like the 2019 housing market, which was the strongest housing market in a decade at the time.”

Bottom Line

If recent headlines are generating any concerns, look at a more typical year for perspective. The current market is not a crash or correction. It’s just a turning point toward more typical, pre-pandemic levels. Let’s connect if you have any questions about our local market and what it means for you when you buy or sell this year.

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If You’re Selling Your House This Summer, Hiring a Pro Is Critical

The Gresham Group — Thu, 30 Jun 2022 12:00:57 +0000

It can be tempting, especially with how hot the housing market has been over the past two years, to consider selling your house on your own. But today’s market is at a turning point, making it more essential than ever to work with a real estate professional.

Not only will a trusted real estate advisor keep you updated and help you make the best decisions based on current market trends, but they’re also experts in managing the many aspects of selling your house.

Here are five key reasons why working with a real estate professional makes sense today.

1. A Professional Follows the Latest Market Trends

With higher mortgage rates, rising home prices, and a growing number of homes for sale, today’s housing market is showing signs of a shift back toward more pre-pandemic levels. When conditions change, following the trends and staying on top of new information is crucial when you sell.

That makes working with an expert real estate advisor critical today. They know your local area and follow national trends too. More importantly, they’ll know what this data means for you, and as the market shifts, they’ll be able to help you navigate it and make your best decision.

2. A Professional Helps Maximize Your Pool of Buyers

Your agent’s role in bringing in buyers is important. Real estate professionals have a large variety of tools at their disposal, such as social media followers, agency resources, and the Multiple Listing Service (MLS) to ensure your house is viewed by the most buyers. Investopedia explains why it’s risky to sell on your own without the network an agent provides:

“You don’t have relationships with clients, other agents, or a real estate agency to bring the largest pool of potential buyers to your home. A smaller pool of potential buyers means less demand for your property, which can translate into waiting longer to sell your home and possibly not getting as much money as your house is worth.”

3. A Professional Understands the Fine Print

Today, more disclosures and regulations are mandatory when selling a house. That means the number of legal documents you’ll need to juggle is growing. The National Association of Realtors (NAR) explains it best, saying:

“Selling a home typically requires a variety of forms, reports, disclosures, and other legal and financial documents. . . . Also, there’s a lot of jargon involved in a real estate transaction; you want to work with a professional who can speak the language.”

A real estate professional knows exactly what needs to happen, what all the paperwork means, and how to work through it efficiently. They’ll help you review the documents and avoid any costly missteps that could occur if you try to handle them on your own.

4. A Professional Is a Trained Negotiator

If you sell without a professional, you’ll also be solely responsible for all the negotiations. That means you’ll have to coordinate with:

The buyer, who wants the best deal possible
The buyer’s agent, who will use their expertise to advocate for the buyer
The inspection company, which works for the buyer and will almost always find concerns with the house
The appraiser, who assesses the property’s value to protect the lender

Instead of going toe-to-toe with all these parties alone, lean on an expert. They’ll know what levers to pull, how to address everyone’s concerns, and when you may want to get a second opinion.

5. A Professional Knows How To Set the Right Price to Sell Your House

If you sell your house on your own, you may over or undershoot your asking price. That could mean you’ll leave money on the table because you priced it too low or your house will sit on the market because you priced it too high. Pricing a house requires expertise. NAR explains it like this:

“A great real estate agent will look at your home with an unbiased eye, providing you with the information you need to enhance marketability and maximize price.”

Real estate professionals know the ins and outs of how to price your house accurately and competitively. To do so, they compare your house to recently sold homes in your area and factor in the current condition of your home. These steps are key to making sure it’s set to move quickly while still getting you the highest possible final sale price.

Bottom Line

Whether it’s following local and national trends and guiding you through a shifting market or pricing your house right, a real estate agent has essential insights you’ll want to rely on throughout the transaction. Don’t go at it alone. If you plan to sell, let’s connect so you have an expert on your side.

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The Perfect Fourth of July Weekend

The Gresham Group — Tue, 28 Jun 2022 12:00:56 +0000

Nothing says summer quite like fireworks on the Fourth of July, and it won’t be long before we’re all gathered around lawn chairs eagerly awaiting the bombs bursting in air! Plan your perfect Fourth of July weekend in Kansas City, with incredible fireworks displays that will have you bursting with patriotic pride.

FRIDAY | JULY 1

Legacy Park | Lee’s Summit Legacy Blast! Gates to the park at 6:00 p.m. and fireworks begin at 9:30 p.m. Concessions, food truck vendors, face-painting, balloon artists, and inflatables for kids will be at the baseball, soccer, softball and football venues before the fireworks. New entertainment this year will include live DJs, interactive games, and selfie stations.
Recreation Park | Spirit of America Celebration in Raymore, Missouri. Food trucks, children’s activities, and live musical performances starting at 7:00 p.m. with a sensational firework show at dusk.
Smithville Lake | Fireworks display begins at dusk, approx. 9:00 p.m. at Smith’s Fork Park/campground.

SATURDAY | JULY 2

National WWI Museum and Memorial | Stars & Stripes Picnic Starts at 3:00 p.m., guests are welcome to picnic and browse the offerings available from over 50 local vendors. Entertainment begins at 6:00 p.m., with a fireworks display around 9:40 p.m.
Independence Day Celebration | Annual 4th of July celebration in Independence, Missouri. Gates open at 5:30 p.m. with food trucks available. Live music starts at 7:00 p.m. and fireworks begin at 9:30 p.m.

SUNDAY | JULY 3

Liberty 4th Fest | Capitol Federal Sports Complex of Liberty. Activities and food trucks begin at 6:00 p.m. with beer, water and glow items available for purchase at the Liberty Area Chamber of Commerce tent. Live music starts at 8:00 p.m. and fireworks at 10:00 p.m.

MONDAY | JULY 4

Corporate Woods | Overland Park Star Spangled Spectacular at Corporate Woods Founders’ Park. Food trucks and musical performances start at 6:00 p.m., with an annual fireworks display at 9:45 p.m.
College Boulevard Activity Center | Red, White and Blue fireworks show in Olathe begins at 9:45 p.m.
Downtown Parkville | The Fourth of July Celebration in Parkville runs ALL day on July 4th. Festivities begin as early as 10:00 a.m., so you can enjoy a pancake breakfast, lots of family-friendly activities, a skydiving exhibition, and the annual 4th of July parade. Fireworks start at 9:30 p.m.
Gardner Celebration Park | Independence Day Festival begins at 3:00 p.m. featuring live music and food trucks. Games, inflatables, & activities start at 5:00 p.m. Fireworks begin at 10:00 p.m. A shuttle service will by provided by the city, from Gardner-Edgerton High School to the main event.
Worlds of Fun | ‘Celebrate America!’ all day long at Oceans and Worlds of Fun. Rides will close at 9:00 p.m. with the fireworks show beginning at 9:30 p.m.
Leawood City Park | ‘Celebration in the Park’ begins at 6:30 p.m. with food vendors, a giant slide, inflatables, rock wall, trampoline, and live music before the fireworks show at 9:45 p.m.
Red, White & Blue Springs | Larry Stewart Memorial Stadium at Blue Springs South High School hosts live music, food trucks, fireworks and more! Gates open at 6:30 p.m. Fireworks begin at 9:45 p.m.

We hope this helps you plan out the perfect Fourth of July weekend! As always, The Gresham Group is here to help you on your home buying or selling journey whenever you are ready.

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