Tom Flynn, Real Estate Salesperson

06/18/2026

06/15/2026

For the better part of last year, mortgage rates had been slowly moving lower. Recently, however, that trend has reversed, and rates have started to climb again.

If you've been wondering whether it makes sense to put your home search on hold until rates come back down, you're certainly not alone.

The reality is that meaningful rate improvement will likely require inflation to cool further and some of the current global uncertainty to ease. The challenge is that no one knows exactly when that will happen.

What often gets lost in the headlines is that mortgage rates are only one piece of the affordability puzzle.

In many markets, we're still seeing well-priced homes attract multiple offers and sell above asking price, even with today's elevated rates. That tells us there is still significant buyer demand.

If and when rates move lower, many buyers who sat on the sidelines are expected to jump back into the market, creating even more competition for available homes.

At the same time, home values tend to appreciate over time. Waiting a year for a lower rate could mean paying more for the same home due to normal appreciation, while also competing against a larger pool of buyers. In many cases, lower rates can actually push home prices higher as affordability improves and demand increases.

That's why focusing solely on today's interest rate can sometimes cause buyers to miss the bigger picture.

Every buyer's situation is different, but the right home purchased at the right price today can often be a better financial decision than waiting for a future rate environment that may also come with higher home prices and more competition.

If you're wondering how today's market conditions impact your plans, our partners at OriginPoint and work up the numbers for you today.

There are opportunities in every market, you just need the right strategy to find them.

06/12/2026

Come on up and say hello...

06/10/2026

What are you waiting for? Call me.....

06/01/2026

Are you in the market for a new home?

05/26/2026

The school is one of six schools in CT to earn the distinction.

05/18/2026

One of the biggest questions buyers are asking right now is:
“What if I buy and home prices go down?” 🤔

With everything happening in the news, it’s a fair concern. No one wants to feel like they’re making a major financial decision at the wrong time.

But when you zoom out and look at the historical data, the bigger picture becomes pretty clear 📈

Home prices have consistently trended higher over the long term. Yes, there have been short-term dips along the way, but historically those declines have typically been modest and temporary compared to the long-term growth in housing values.

That’s why real estate has traditionally been viewed as a strong long-term investment. In fact, after the U.S. housing crash, Warren Buffett famously said in 2012:

“If I had a way of buying a couple hundred thousand single-family homes and had a way of managing them, I would load up on them.”

In other words, trying to perfectly time the market is incredibly difficult. Instead, the focus should be on buying the right home, in the right market, at a payment that works comfortably for your long-term goals and lifestyle.

Reach out if you’re ready to talk through the market, explore your options, or put together a game plan that makes sense for you.

05/11/2026

Did you know nearly 1 in 3 home purchases today involve co buyers?

With affordability still challenging in many markets, more buyers are getting creative when it comes to purchasing a home, and co-buying is becoming a much more common solution.

What many people do not realize is that co-buyers do not always have to live in the property together. In some cases, a family member or trusted individual can act as a non-occupying co-borrower to help strengthen the mortgage application.

This can be especially helpful for buyers who can comfortably support the payment themselves but may have difficulty fully documenting income on paper for mortgage qualification purposes. Examples could include self-employed borrowers, commission-based income, recent job changes, or individuals with significant assets but lower reportable taxable income.

Depending on the scenario, adding a co borrower can help with:
• Increasing qualifying income
• Improving debt to income ratios
• Strengthening overall loan approval
• Potentially allowing for a higher purchase price or more favorable financing options

Every situation is different, and structuring these correctly matters, but for many buyers this can open doors that may have otherwise felt out of reach.

If you have questions or want to explore co-buying further our in-house lending partners at OriginPoint.com are standing by to help walk through options and game plan your best path forward.