Emma Fula - Realtor emmafularealestate.com

Emma Fula - Realtor emmafularealestate.com Specializing in Residential Sales & Rentals, New Construction, Investment Properties, Multi-Family, Commercial & Property Management.

If you’re ready to buy a home but are having a hard time affording it on your own, or, if you have aging loved ones you ...
11/03/2023

If you’re ready to buy a home but are having a hard time affording it on your own, or, if you have aging loved ones you need to care for, you might want to consider a multi-generational home. Living with siblings, parents, and even grandparents can help you save money, give or receive childcare, and spend quality time together. Let’s connect to find a home in our area that’s perfect for you and your loved one’s needs.

If you’re ready to buy a home but are having a hard time affording it on your own, or, if you have aging loved ones you need to care for, you might want to consider a multi-generational home.

According to the latest data from Fannie Mae, 23% of Americans still think home prices will go down over the next twelve...
11/02/2023

According to the latest data from Fannie Mae, 23% of Americans still think home prices will go down over the next twelve months. But why do roughly 1 in 4 people feel that way?

It has a lot to do with all the negative talk about home prices over the past year. Since late 2022, the media has created a lot of fear about a price crash and those concerns are still lingering.

The answer is simple. Listen to the professionals who specialize in residential real estate.

Market experts acknowledge that nationally, prices did dip down slightly late last year, but that was short-lived. Data shows prices have already rebounded this year after that slight decline in 2022.

What’s worth noting is that, just a few short weeks ago, the Fannie Mae forecast was for 3.9% appreciation in 2023. In the forecast that just came out, that projection was updated from 3.9% to 6.7% for the year. This increase goes to show just how confident...

According to the latest data from Fannie Mae, 23% of Americans still think home prices will go down over the next twelve months.

Maybe you’re in the market for a home and are having a hard time finding the right one that fits your budget. Or perhaps...
11/01/2023

Maybe you’re in the market for a home and are having a hard time finding the right one that fits your budget. Or perhaps you’re already a homeowner in need of extra income or a place for loved ones. Whether as a potential homebuyer or a homeowner with changing needs, accessory dwelling units, or ADUs for short, may be able to help you reach your goals.

What Is an ADU?

As AARP says:
• “An ADU is a small residence that shares a single-family lot with a larger, primary dwelling.”
• “An ADU is an independent, self-contained living space with a kitchen or kitchenette, bathroom and sleeping area.”
• “An ADU can be located within, attached to, or detached from the main residence.”

The Benefits of ADUs

• Living Close by, But Still Separate: According to Freddie Mac: “Having an accessory dwelling unit on an existing property has become a popular way for homeowners to offer independent living space to family...

Maybe you’re in the market for a home and are having a hard time finding the right one that fits your budget.

If you've been following the news recently, you might have seen articles about an increase in foreclosures and bankruptc...
10/31/2023

If you've been following the news recently, you might have seen articles about an increase in foreclosures and bankruptcies. That could be making you feel uneasy, especially if you're thinking about buying or selling a house.

But the truth is, even though the numbers are going up, the data shows the housing market isn’t headed for a crisis.

Foreclosure Activity Rising, but Less Than Headlines Suggest

In recent years, the number of foreclosures has been very low. That’s because, in 2020 and 2021, the forbearance program and other relief options were put in place to help many homeowners stay in their homes during that tough time.

When the moratorium ended, there was an expected rise in foreclosures. But just because they’re up, that doesn't mean the housing market is in trouble.

Foreclosure filings are still way lower than when the housing market crashed in 2008. The tremendous amount of equity American...

If you've been following the news recently, you might have seen articles about an increase in foreclosures and bankruptcies.

Do negative headlines and talk on social media have you feeling worried about the housing market? Maybe you’ve even seen...
10/30/2023

Do negative headlines and talk on social media have you feeling worried about the housing market? Maybe you’ve even seen or heard something lately that scares you and makes you wonder if you should still buy or sell a home right now.

Regrettably, when news in the media isn't easy to understand, it can make people feel scared and unsure. Similarly, negative talk on social media spreads fast and creates fear.

But it doesn’t have to be that way. Buying a home is a big decision, and it should be one you feel confident making. You should lean on a trusted real estate agent to help you separate fact from fiction and get the answers you need.

That agent will use their knowledge of what’s really happening with home prices, housing supply, expert forecasts, and more to give you the best possible advice.

The right agent will help you figure out what’s going on at the national level and in your local area.

They’ll...

Do negative headlines and talk on social media have you feeling worried about the housing market?

Here’s what you really need to know about a few myths causing fear in today’s housing market. Despite common misconcepti...
10/27/2023

Here’s what you really need to know about a few myths causing fear in today’s housing market. Despite common misconceptions, many people can buy a home even if they have student loans, home prices are rising nationally (not falling), and you usually don’t have to have 20% for a down payment. If you have other fears or reservations about buying a home today, DM me so you have an expert to help clear those up.

Here’s what you really need to know about a few myths causing fear in today’s housing market.

The idea of owning a home has always been a big part of the American Dream. It's a symbol of stability, independence, an...
10/26/2023

The idea of owning a home has always been a big part of the American Dream. It's a symbol of stability, independence, and having a place to truly call your own. But for Gen Z, the "Zoomers" born between 1997 and 2012, making that dream a reality can feel like quite the challenge today with higher mortgage rates and rising home prices.

But achieving that goal of owning your first home can still be attainable, even today, with some strategic planning and resourcefulness.

Explore Financing and Down Payment Assistance Options

With prices rising all around you, it can be hard to save up for a home. There are a lot more options out there than you may realize. According to Down Payment Resource, there are over 2,000 programs designed to help hopeful homebuyers with down payments and closing costs.

Consider Living with Relatives To Save

Many savvy Zoomers have made a strategic choice to live with relatives so they can get...

The idea of owning a home has always been a big part of the American Dream.

Are you wondering if it makes sense to buy a home right now? While today’s mortgage rates might seem a bit intimidating,...
10/25/2023

Are you wondering if it makes sense to buy a home right now? While today’s mortgage rates might seem a bit intimidating, here are two compelling reasons why it still may be a good time to become a homeowner.

Home Values Appreciate over Time

There’s been a lot of confusion around what’s happened with home prices over the past two years. While they did dip ever so slightly in late 2022, this year they’ve been appreciating at a more normal pace, which is good news for the housing market. And while looking at price movement over just a year or two can make you worry prices are usually this unpredictable, history shows in the long run, home values rise.

As prices rise, and as you pay down your mortgage, you build equity. Over time, that growing equity gives your net worth a boost.

Rent Keeps Going Up Through the Years

Another reason you may want to consider buying a home instead of renting is the never-ending...

Are you wondering if it makes sense to buy a home right now?

When it comes to selling your house, you’re probably trying to juggle the current market conditions and your own needs a...
10/24/2023

When it comes to selling your house, you’re probably trying to juggle the current market conditions and your own needs as you plan your move.

One thing that may be working in your favor is how few homes there are for sale right now. Here’s what you need to know about the current inventory situation and what it means for you.

The Supply of Homes for Sale Is Far Below the Norm

When you’re selling something, it helps if what you’re selling is in demand, but is also in low supply. Why? That makes it even more desirable since there’s not enough to go around. That’s exactly what’s happening in the housing market today. There are more buyers looking to buy than there are homes for sale.

What That Means for You

Buyers have fewer choices now than they did in more typical years. And that’s why you could still see some great perks if you sell today. Because there aren’t enough homes to go around, homes that are priced right are...

When it comes to selling your house, you’re probably trying to juggle the current market conditions and your own needs as you plan your move.

If you've ever dreamed of buying your own place, or selling your current house to upgrade, you're no stranger to the rol...
10/23/2023

If you've ever dreamed of buying your own place, or selling your current house to upgrade, you're no stranger to the rollercoaster of emotions changing home prices can stir up.

But if you put off moving because you’re worried home prices might drop, make no mistake, they’re not going down. In fact, it's just the opposite.

Orphe Divounguy, Senior Economist at Zillow, explains changing home prices over the past 12 months this way: “The U.S. housing market has surged over the past year after a temporary hiccup from July 2022-January 2023. . . . That downturn has proven to be short lived as housing has rebounded impressively so far in 2023. . .”

Looking ahead, home price appreciation typically starts to ease up this time of year. As that happens, there’s some risk the media will confuse slowing price growth (deceleration of appreciation) with home prices falling (depreciation). Don’t be fooled. Slower price growth is...

If you've ever dreamed of buying your own place, or selling your current house to upgrade, you're no stranger to the rollercoaster of emotions changing home prices can stir up.

If you're wondering what’s happening with home prices, know they’re still rising, just at a slower pace – and that’s per...
10/20/2023

If you're wondering what’s happening with home prices, know they’re still rising, just at a slower pace – and that’s perfectly normal for this time of year. Based on typical seasonality in the market, prices go up most in the spring during the peak buying season, and then price growth slows down as the year goes on. Home prices aren’t falling. They’re just rising slower and going back to normal seasonal trends. That’s a good thing. If you're curious about prices in our area, let’s connect.

If you're wondering what’s happening with home prices, know they’re still rising, just at a slower pace – and that’s perfectly normal for this time of year.

Are you thinking about selling your house as a For Sale by Owner (FSBO)? If so, know there's a whole lot more time and e...
10/19/2023

Are you thinking about selling your house as a For Sale by Owner (FSBO)? If so, know there's a whole lot more time and expertise needed in that process than you might think. While the idea of doing it all by yourself might seem tempting, it's important to recognize the challenges you may face if you take it on all by yourself.

You May Not Price it Right

Pricing your house right is key to a successful sale. An article from Nerd Wallet offers this advice: “If your home is overpriced, you run the risk of buyers not seeing the listing. . . . But price your house too low and you could end up leaving some serious money on the table.”

You Don’t Have as Much Experience in Marketing a House

When you partner with a real estate agent who knows how to take advantage of online marketing tools and resources, you'll be able to get in front of these tech-savvy house hunters, boosting your chances of a successful sale.

You...

Are you thinking about selling your house as a For Sale by Owner (FSBO)?

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