Todd Filipps Realtor

09/28/2026

Does one size ever really fit all? One mortgage rate doesn't either.

You may be seeing today’s higher rates and worrying about whether it’s still worth it to buy. Here’s what you need to realize…

Mortgage rates differ just like the people who apply for loans. So, the rate you see online isn’t necessarily the one you’d get when you buy.

Your real mortgage rate is specific to your individual situation. It can be higher or lower than what you've seen or heard.

So, don’t assume the rate in the headlines is your rate. Before you decide you can't buy a home or that you should wait, find out what your real rate is. You'll know what your options are and get a map to what's possible.

And a quick conversation with a loan officer is the perfect place to start.

09/28/2026

The Mortgage Rate You See Online Isn’t Necessarily the One You’d Get.

Headlines and social media make today’s rates sound high. But you have to remember, the rate you’re seeing online and your actual rate could be different. The only way to know what your rate could be is to talk to a trusted lender.

With the right help, you can find out what your real rate is – and where it can take you.

You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that's left you reluctant to buy a home, here's what you need to remember…

09/24/2026

Price cuts have climbed for 7 straight months.

Right now, more than 4 in 10 homes for sale have already had one, and it usually comes down to one thing – the market's moving faster than most sellers expected and their pricing hasn’t necessarily kept up.

A home that needs a cut usually just sat too long priced above what buyers will actually pay right now.

Selling soon? Let's set your number right from day one, so you skip that wasted time.

House hunting? A home that's had its price reduced means the seller's already been through that wait. And sellers who've been sitting are usually ready to deal.

09/24/2026

Why So Many Sellers Are Cutting Their Price Right Now

Price cuts are a normal part of today’s housing market, and both buyers and sellers can use them to their advantage. Let's look at what's actually happening with prices in your neighborhood, so you know exactly where you stand before you list or make an offer.

Price cuts are turning up everywhere right now, and they read very differently depending on which side of the deal you’re on.

09/23/2026

There Are 4 Types of Housing Markets Right Now. Which 1 Are You In?

Four different housing markets are running at once: cash buyers, financed buyers, locked-in owners, and builders. Each one plays by its own rules, and the right move for one is exactly the wrong move for another.

Let's figure out which one you're actually in and build your next move from there.

Today’s housing market splits into four distinct types. You’ve got cash buyers, buyers financing a purchase, owners who feel locked into a low rate, and builders with homes to sell.

09/23/2026

Not sure where to start if you’re thinking about moving? You’re not alone.

Right now, there are actually 4 different housing markets running at once, and each one plays by its own rules.

Cash buyers. Buyers taking out a mortgage. Homeowners feeling reluctant to give up their current low rate. And builders eager to sell their extra inventory.

Which group you fall in can completely change how you should approach your move. But that’s where an agent comes in.

We have the expertise on what to do for your specific situation and the strategies that are going to work for you.

Comment below and tell me which group you’re in. Let's figure out your next move from there.

09/22/2026

If you’re selling this season, a little effort out front goes a long way. Because the moment a buyer pulls up to a showing, they're already forming an opinion.

But there are a few simple things you can do to nail that first impression. Think tidying up your landscaping, bringing in some seasonal flowers, and sweeping the walkways. Or even just cleaning out the gutters and making sure the path to your door is well lit.

You don’t need to do a big overhaul to get buyers’ attention.

Let’s chat about what people in our area are looking for right now, and get your house prepped to sell this fall.

09/22/2026

Get Your House Buyer-Ready for Fall

Prepping your house to sell this fall and not sure where to focus? Start where buyers do – at the curb. Their first few seconds out front shape how buyers feel about the rest of the house.A few simple touches make a big difference. Freshen up the front door with a new coat of paint, touch up your landscaping or bring in seasonal flowers, sweep the walkways and clean the gutters, and make sure the path to the door is well lit. A great agent knows what today's buyers will notice, and which touch-ups are worth your time. So, let’s connect and get your house ready to turn heads this fall.

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.

09/21/2026

3 Things You Can Actually Control About Your Mortgage Rate Right Now

You can't control where mortgage rates go, but you can control your credit, your loan, and the kind of home you buy. Working with a trusted lender can help you lock in the best rate you qualify for. And when you’re ready to make a move that fits your budget, let’s connect.

If you're trying to buy a home, affordability is probably what keeps you up at night.