Gergana Todorova Realtor/ Real Estate Broker

09/21/2026

Mortgage rates have been climbing again, and if you're hoping to buy, that can feel discouraging.

Here’s what you have to remember.

You can't control where rates go. But you can control a few things that shape the rate you actually get: your credit score, the type and term of loan you choose, and whether you buy a newly built home, where builders are often buying down rates to bring buyers in.

Focus there, and you put yourself in a stronger spot without waiting on the market.

Want to talk it through? A trusted lender can help with the numbers, and we can find the home to match. Let's connect.



My team and I are just one phone call away
[email protected]
773-827-7827

09/20/2026

Waiting for mortgage rates to come down may feel like the only way to make buying a home possible.

But 41% of buyers who waited wish they'd bought sooner – before rates and prices rose again.

Right now, factors like inflation, the economy, and global events are all having an impact on rates – and it’s not in the direction you’d hope.

So, for a lot of buyers, waiting might not pay off. Sometimes it just means putting your life on hold for what feels like too long.

Before you decide to hit pause on your move, talk to a trusted lender. They’ll go over options that can help make buying work at today’s rates, and how to get the best rate you can.

You certainly don’t have to buy now. You should buy when the numbers work for you. But you should at least know your options before making a decision.



My team and I are just one phone call away
[email protected]
773-827-7827

09/19/2026

The Best Time To Buy a Home in 2026 Is Almost Here

If you want to buy a house this year, there’s still a way to make it happen, even with today’s rates. This fall gives you the chance to get some of the best seasonal perks the market has to offer.

Want help figuring out when those advantages typically show up in our market?

Let's have a quick conversation about how our market works and the steps you’ll need to take to get ready.



My team and I are just one phone call away
[email protected]
773-827-7827

Want to buy a house this year, but not sure if the timing’s right? Seasonally, it may actually be a better time to buy than you expect.

09/19/2026

The market matters, but it’s not the only factor. Pricing, presentation, positioning, and how you’re reaching buyers all play a role in how quickly a home moves. When the right pieces are in place, you give your listing the best chance to stand out and connect with the right buyer. Curious about the selling process? Send me a message and I'll walk you through it!

09/19/2026

A smooth and successful buying journey relies on a few key things. Be sure to get preapproved early, trust your real estate agent's guidance, stay within your budget, and remain patient throughout the process. By staying prepared and focused on their long-term goals, you'll be ready to make confident decisions when the right home comes along.

09/19/2026

A few thoughtful updates can help your home continue working for you as your needs change over time. 🏡 Planning for accessibility, safety, and ease of use now can make it easier to stay comfortable in the home and community you already love for years to come.

09/18/2026

Selling this fall? Starting strong matters even more this time of year.

In the fall, buyer activity typically starts to slow while the number of homes for sale climbs. That means fewer buyers may be looking at more options – so you want your house to stand out from day one.

Here’s the cheat sheet for how to make that happen.

Price it for today’s buyers. Not what your neighbor sold for a few years back.

Make your house hard to pass up. Tackle essential repairs and spend time on your curb appeal.

Stay flexible when offers come in. This is not the season to play hardball.

And be ready to adjust when needed. If you keep getting the same feedback from buyers, take it to heart.

If you want to sell before the end of the year, let’s make sure you have the right strategy from the start. Because with the right plan, selling in the fall is a no brainer.



My team and I are just one phone call away
[email protected]
773-827-7827

09/18/2026

A home is so much more than an address. 🏡 It’s where everyday routines become favorite memories and where you create a space that feels completely your own. If you’re ready to find a place that feels like home, send me a message and let’s start your search together!

09/18/2026

Fall in love with your home all over again by tackling seasonal maintenance! 🍂 From gutter cleaning to sealing windows, this checklist has got you covered. Don't let minor issues ‘fall’ through the cracks – a well-maintained home is always in season!

09/18/2026

Finding a home you love is important, but so is making sure the cost of owning it feels comfortable long after moving day. 🏡 I can help you focus your search around your budget and connect you with a trusted loan officer to make sure you understand the full financial picture. If you’re thinking about buying, send me a message and let’s build a home search around what works for you!