Rodney The Realtor

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Rodney The Realtor 🏡 Real Estate agent | keller williams preferred
Educating and Creating homeowners

10/06/2026

My phone rang the morning the 7% headline hit.

Buyer already pre-approved, house already picked out. The headline didn’t change their payment — it changed their nerve.

So we ran the actual number instead of the news. Then I called the listing agent and asked one question: what will your seller do about the rate.

In October that question gets a real answer a lot more often than it does in May.

If a headline has you frozen, don’t guess at your number. Let’s run it.

homebuyingtips

10/06/2026

Should you wait for rates to drop? Sometimes — and here’s when.

If your credit is about to jump 40 points, wait. If you’re changing jobs in six months, wait. If you won’t have reserves after closing, absolutely wait.

But if you’re waiting only because 7% feels like too much, know what you’re betting on. Every time rates dip, everyone who was sitting out comes back the same week. You trade a higher rate for a bidding war.

About 52% of Columbia sales are closing under list right now. That room goes away when everybody’s back.

You can refinance a rate. You can’t renegotiate a house you didn’t get.

homebuyingtips

10/05/2026

Rates went up this week. I’m not going to pretend that’s good news.

30-year fixed is sitting at 7.28%. It was 7.03% last week. A year ago it was 6.34%. If you’re a first-time buyer in Columbia and you felt your stomach drop when you saw that — yeah. Me too.

But here’s the part nobody’s posting about, and it’s the part that actually changes your life:

Stop comparing yourself to a 25-year-old buyer. They don’t really exist anymore.The median first-time homebuyer in Ameri...
10/03/2026

Stop comparing yourself to a 25-year-old buyer. They don’t really exist anymore.
The median first-time homebuyer in America is now 40. First-timers are the smallest share of
the market ever recorded — about 21%.
You didn’t miss a window. This is just where the market is. Tell me where you are in the process.

09/28/2026

The 30-year fixed just crossed 7%. I’m not going to pretend that’s fun news.
But here’s the part nobody put in the headline:

Somebody in Columbia is going to walk into a house this week, waive the inspection, and pay full asking price — because ...
09/27/2026

Somebody in Columbia is going to walk into a house this week, waive the inspection, and pay full asking price — because they’re convinced forty people are lined up behind them.
Let me tell you what the numbers actually say right now.

09/25/2026

Paint and staging won’t save a sale your roof is about to kill.
Here’s what nobody tells you: roof age isn’t a curb-appeal question anymore, it’s an insurance
question. Buyers need a policy to close, and a lot of South Carolina carriers are getting picky
past 15-20 years on a roof.
That’s not a buyer walking away over shingles — that’s their loan falling apart because nobody
could bind a policy in time.
Before you list, get your roof’s actual age in writing. Costs nothing, and it keeps financing from
blowing up your closing.

09/23/2026

The weird reason some people choose Greenville over Columbia or vice versa

09/19/2026

“Can I even afford Columbia?” — here’s the actual math.

Median sold price is around $240K. Five percent down. Then add taxes and insurance.

Estimate only — your rate and your credit move this. Tell me what you’re moving from and we’ll run yours.

09/17/2026

No, buyers did not start paying their own agent.
Every headline this year says the seller stopped paying the buyer’s agent. That’s not what
happened. What changed is where the number lives.
It used to be published in the MLS with the listing. As of August 2024 it can’t be. So now it gets
negotiated in the contract — right next to the repairs and the closing costs.
On a $280,000 Columbia sale that’s several thousand dollars, and in this market it’s still usually
coming off the seller’s side. It’s just not automatic anymore, and nobody advertises it.
Sellers: that’s a number you decide now, and it competes with every other concession a buyer
asks for.
Buyers: you sign an agreement with a number in it before you tour your first house. Know what
that number is before you sign.
Commissions are negotiable. They always were.
Book a call — link in bio.

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