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First Time Home Buyer - Oregon

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Lake Oswego, OR
First Time Home Buyer - Oregon

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Kim Carty, OR Principal Broker/OR Attorney, Soldera Properties

10/28/2026

Read the full post: https://bit.ly/3WNzcJh

Explore Forest Grove Living: Pacific Avenue, Parks, and Weekend Favorites

10/26/2026

Why More Buyers Are Turning To Adjustable-Rate Mortgages Today

What if you could save $150–$300 a month on your mortgage payment just by choosing a different type of loan?

For some homebuyers, that could be a game changer. And it's one reason adjustable-rate mortgages (ARMs) are getting more attention.

According to Bankrate, ARM rates recently came in more than a full percentage point lower than traditional fixed-rate mortgages. That's potentially hundreds of dollars in monthly savings on a median-priced home.

And buyers are taking notice. About 1 in 10 mortgage applicants are now choosing an ARM, according to the Mortgage Bankers Association.

So, what's the catch?

Unlike a fixed-rate mortgage, an ARM gives you a lower introductory rate for a set number of years. After that, your rate can adjust up or down based on market conditions.

That means you could save money upfront, but you'd also need to be comfortable with the possibility of higher payments later.

And here's something worth knowing: Today's ARMs have more borrower protections than the risky loans that made headlines during the 2008 housing crisis.

The bigger takeaway? A traditional 30-year fixed mortgage isn't your only option.
If today's rates are making your homebuying budget feel tight, there may be financing options you haven't explored yet.

Curious whether an ARM could help make your next home more affordable? Connect with a trusted lender who can run the numbers.

Message me if you would like to discuss buying, selling or any other real estate need.

10/22/2026

Newly built homes now cost less than existing ones in about a third of major markets.

And nationally, the gap is pretty big. A newly built home typically sells for about $35,000 less than an existing one.

Prices can look very different from one area to the next, though. So, what neighborhoods do you have your eye on? Let’s tour a new home and an existing one, and see how they compare.

Message me if you would like to discuss buying, selling or any other real estate need.

10/21/2026

Read the full post: https://bit.ly/4B9ltMF

Understand Inventory Shifts in NW Portland and Bethany Prices

10/19/2026

Want to move but don’t want to give up your current low rate? This is for you.
Data shows homeowners with a mortgage have an average of $310K in equity right now.

And that means if you've been putting off a move because you don't want to give up the mortgage rate you locked in a few years ago, your equity could help.

You could use it toward a bigger down payment and borrow less at today's rates.

Or, if you're downsizing, you might even be able to buy your next home in cash. No mortgage. No worrying about today’s rates.

Want to know how much equity you have and what it makes possible for you? DM me, and I'll help you find out.

Message me if you would like to discuss buying, selling or any other real estate need.

10/15/2026

Why There are More Homes for Sale Right Now (and What It Means for You)

In many places right now, inventory is growing and homes are taking a bit longer to sell. And that’s information that should shape the strategy you use going in.

Whether you're buying or selling, let's look at how long homes are taking to sell in your neighborhood, so your offer, or your price, fits today's market.

Message me if you would like to discuss buying, selling or any other real estate need.

Mortgage rates being back above 7% isn't exactly the news most people wanted. But it’s changing the market in ways that matter whether you’re buying or selling.

10/14/2026

Read the full post: https://bit.ly/4yMy9HS

South Hillsboro and Reeds Crossing Upgrades That Can Improve Resale Value

10/12/2026

There's been some talk about whether mortgage rates could climb to 9%. Here's some perspective.

Getting there would take a rare mix of things, all lasting a full year: a booming economy with no slowdown in jobs, the Fed raising rates more than expected, and the conflict in Iran continuing to keep oil prices high.

That's an unlikely combination. So, don’t let it make you worry.

Have questions about mortgage rates? Drop them in the comments. That's what a trusted agent is for – keeping you informed so a headline never makes your decisions for you.

Message me if you would like to discuss buying, selling or any other real estate need.

Address

525 3rd Street, Suite 211
Lake Oswego, OR
97034

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 5pm
Saturday	10am - 4pm
Sunday	10am - 4pm

Website

http://www.KimCarty.com/

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