Kristin Santagati Homes

04/05/2026

01/15/2026

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05/23/2025

Real Estate Is Voted the Best Long-Term Investment 12 Years in a Row

In a recent poll from Gallup, real estate has once again been voted the best long-term investment. And it’s claimed that top spot for 12 straight years now.

That’s because homeownership is one of the top ways to build your wealth, even with home price growth moderating and ongoing economic uncertainty.

If you’ve been trying to decide if it makes sense to buy a home today, let’s connect and talk about the programs that can help you become a homeowner.

If you’ve been trying to decide if it makes sense to buy a home today, connect with an agent to talk about the programs that can help you become a homeowner.

05/22/2025

Did you know? Nearly half of 18–26-year-old homebuyers today are getting down payment money from their parents.

And one thing that may be making that possible? Their parent’s home equity.
Right now, the average homeowner has over $300K in equity. And some parents are using some of that to help their children buy a home.

If you’re interested in learning more, talk to your lender and a trusted financial advisor.

05/22/2025

Adjustable-rate mortgages (ARMs) can offer lower upfront payments. That’s why more buyers are giving them a second look these days.

But with an ARM, once the fixed period ends, your rate can change – which means your monthly payment will too. And there’s a chance it goes up. So, you need to be financially prepared for that.

And just in case the 2008 crash comes to mind when you think of ARMs, know this: today’s ARMs are different. Lending standards are tighter now.

If you think an ARM might be right for you, make sure to talk with a lender to understand your options and assess your risk tolerance.

05/21/2025

More Homes for Sale Isn’t a Warning Sign – It's Your Buying Opportunity

Don’t let the headlines scare you. Rising inventory isn’t a sign of a crash. It’s a step toward a more normal, stable housing market.

Maybe you’ve heard the number of homes for sale has reached a recent high.

05/20/2025

You Could Use Some of Your Equity To Give Your Children the Gift of Home

Your equity could be the thing that makes homeownership possible for your children when they might not be able to do it on their own. So, here’s the question.

If helping your kids buy a home was more feasible than you thought, would you want to explore that option?

If you want to learn more or find out the best way to make it happen, talk to your lender and a financial advisor you trust.

If you’re a homeowner, chances are you’ve built up a lot of wealth – just by living in your house and watching its value grow over time.

05/20/2025

If you fall in love with a house that has a homeowners association (HOA), make sure you understand the guidelines, the fees, and the benefits that come with it.

An HOA can mean more curb appeal throughout your neighborhood and other community perks – like a pool or gym. And that’s great for some buyers, but not everyone’s into shared guidelines.

It all comes down to what you value and how it fits into your budget. Let’s chat about what’s included and whether it lines up with what you want in a neighborhood.

05/19/2025

Keeping a low mortgage rate feels smart – until it starts holding you back.
Because here’s the thing you may not realize. Rates aren’t expected to fall as much as you want them to.

Expert forecasts show mortgage rates will still be between 6-6.5% by the end of 2026. So, if you’re waiting for the return of 3%, it’s not in the cards. So why hold out for something that’s probably not going to happen?

Instead, ask yourself this: What are the chances you’ll still be in your current house 5 years from now?

Because if a life change is coming (or if it’s already happened), your house may need to change too – no matter where rates are. Let’s talk about what makes sense for your timeline and how to plan ahead.

05/18/2025

If you’ve thought about moving but you’re holding off because you don’t want to give up your 3% mortgage rate, this 5-year price forecast might help you rethink your timing.

Even in this shifting market, experts project home prices will keep rising. That means the longer you wait, the more your next home will cost. So, a $400K house today will be nearly $80K more in just 5 years.

So, the real question isn’t: “why would I move?” – it’s: “when should I?”

DM me and let’s talk about your timeline, so you have all the facts to make your best decision – whether that’s moving now, or later.