Deborah L Gladney, Realtor

08/22/2026

🏡 KC HOME TERMS EXPLAINED: DISCOUNT POINTS

Can you actually buy a lower mortgage rate?

Yes. Discount points allow you to pay an upfront fee in exchange for a lower interest rate.

💡 1 point = 1% of your loan amount.

👀 KC Pro Tip:
Before saying yes to a lower rate, ask:

“What’s my rate WITHOUT points?”

Then compare the monthly savings against what you're paying upfront.

⭐ Debbie's Bottom Line:
A lower rate doesn't always mean a better deal.

Save this one for when you're comparing mortgage options.

08/17/2026

Hi Kansas City homeowners:

Deborah with Homes by Debbie KC, Deborah L Gladney, Realtor If you’re thinking about selling but feel stuck because you secured a 3% mortgage rate, you’re not alone.

Many sellers are hesitant to trade that payment for today’s higher rates. But it’s important to separate the interest rate from the overall cost of moving.

Your next home’s price, your current equity, available seller concessions, and financing options all play a role. The 3% rates we saw during the pandemic were unusual and may not return soon—but that doesn’t mean you have to make a move that doesn’t fit your financial goals.

In my experience working with buyers and sellers, the biggest challenge is often uncertainty. Once we review the numbers side by side, homeowners can make a decision based on their specific situation—not fear.

National housing headlines don’t always reflect what’s happening in Kansas City. Neighborhood, price range, inventory, and buyer demand can vary significantly from one area to another.

If you’re curious what selling and buying could look like today, let’s create a strategy that works for you—not someone else’s timeline.

Send me a message, and we can review your options.

Deborah Gladney

Helping you move with confidence.

08/03/2026

Monday Market Insight: Baby Boomers are shaping today's housing market in a big way.

Baby Boomers continue to play a major role in today's housing market. According to the National Association of REALTORS®, they account for 42% of home buyers and 55% of home sellers, thanks in part to decades of building home equity.

Nationally, the housing market continues to face affordability challenges, with mortgage rates hovering around 6.4%. Here in the Kansas City metro, we're seeing well-priced homes continue to attract buyers while home values remain resilient despite those affordability pressures.

If you've been thinking about downsizing, moving closer to family, or simply wondering how today's market affects your home's value, this article provides some valuable insight.

What do you think is the biggest challenge facing today's home buyers and sellers?




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07/29/2026

Buyers may think the listing price tells them what a home is worth. It doesn't.

Don't judge a home's value by its listing price.

The asking price is only the seller's starting point. The real question is: What are similar homes actually selling for?

A home priced at $325,000 might be a great deal—or it might be overpriced. Recent comparable sales, the home's condition, location, and current market activity tell the real story.

That's why I always recommend looking at the data before deciding whether to make an offer.

Question: Have you ever found a home online that looked perfect until you saw it in person?

I'm Deborah Gladney with Homes By Debbie KC, sharing real estate tips that matter.

07/24/2026

When you're ready to move, I'm here to help.

07/17/2026

KC Home Seller Testimonial!

Helping Miss Wanda sell her home with such a meaningful experience....

07/10/2026

From local parks and great food to sports, giving back, and unforgettable memories.






KC feels like home because ________.👇🏾

Happy Friday, everyone!

Have a wonderful weekend.

07/02/2026

07/01/2026

06/30/2026

Are you thinking about buying a home in the next 3, 6, or 12 months?
Message me “First” and I’ll send you my FREE 2026 First-Time Homebuyer Checklist! 🏠