Oksana Melnychyn - Designated Managing Broker

03/23/2026

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The U.S. housing shortage has officially surpassed 4 million homes, and it's not getting better anytime soon.

A new analysis reveals that more than a decade of underbuilding has pushed the cumulative supply gap to 4.03 million homes in 2025, with young adults bearing the brunt of the crisis. Nearly 1.8 million Millennials and Gen Zers are unable to form their own households due to soaring costs and scarce supply, and the median age of a first-time buyer has hit an all-time high of 40. Even under the most optimistic building scenarios, closing the gap would take roughly seven years.

But there are signs of progress, construction is ticking up in key regions, new home affordability is improving, and the conversation around zoning and permitting reform is louder than ever.

Read: https://rltor.cm/tTDouh

03/12/2026

Open House March 15th 12-2PM

Offered by: Oksana Melnychyn of Cambridge Realty LLC - LOVELY UPDATED HOME ON A QUIET STREET. THIS 3 BEDROOM 2 BATH HOME FEATURES MANY AMENITIES DESIGNED FOR TODAY'S LIVING. UPDATED GOURMET KITCHEN WITH QUARTZ COUNTER TOPS AND SS APPS.

03/05/2026

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Here are the 10 most expensive homes ever sold in the U.S.—and the billionaires who cemented their place in real estate history with these record-breaking purchases.

Read: https://rltor.cm/O9mOQo

03/04/2026

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Mortgage applications jumped 11% last week as interest rates fell to 5.98%—the lowest since September 2022. Refinancing led the surge, with refinance applications at their strongest pace since 2022 and conventional refinances up 20%. Home purchase applications also increased. The lower rates are drawing both homebuyers and those looking to refinance existing mortgages.

02/20/2026

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Agents, let your buyers know: Mortgage rates fell to 6.01% this week, the lowest since September 2022, making homes more affordable. Lower rates are helping homeowners save thousands through refinancing.

More: https://rltor.cm/TEmlk6

02/16/2026

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Mortgage rates edged down slightly Thursday, holding near recent lows, after a stronger-than-expected January jobs report. The 30-year fixed rate fell to 6.09% from 6.11% last week, compared with 6.87% a year ago, according to Freddie Mac.

Mortgage rates have lingered in the low-6% range for weeks, keeping borrowing costs elevated yet manageable enough for buyers and sellers already prepared to make a move, but likely not low enough to draw additional shoppers off the sidelines.

01/29/2026

“With the economy improving and the average 30-year fixed-rate mortgage nearly a percentage point lower than last year, more homebuyers are entering the market,” said Freddie Mac Chief Economist Sam Khater.

Mortgage rates ticked up slightly this week to 6.09%, after recently hitting a three-year low. Rates track closely with the 10-year Treasury yield, which has been volatile amid inflation concerns and global trade tensions.

Borrowers’ final rates also depend on personal factors like credit score, down payment, and loan type, meaning shopping around can still save thousands.

Read: https://rltor.cm/YssTQC

01/14/2026

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Realtor.com Chief Economist Danielle Hale says mortgage rates starting 2026 much lower than last year give home shoppers reason to be optimistic.

"Lower mortgage rates are particularly beneficial for first-time homebuyers who have navigated the challenge of elevated rents and high-home prices while trying to compete with investors for the limited number of entry-level options," she says.

While the market remains challenging overall, some cities and neighborhoods offer more homes for sale and stronger local economies, creating better opportunities for first-time buyers.

Learn more: https://rltor.cm/EvGryG

01/13/2026

2019: "I'm waiting for the market to crash."
2020: "Pandemic! See? I was right!"
2021: "Prices are insane. I'll wait."
2022: "Rates are too high. I'll wait."
2023: "Still too expensive."
2024: "New administration..."
2025: Still renting. Still waiting. Still wrong.

Meanwhile, the "panic buyers" of 2019?
They own homes worth $95k more.
They've built six years of equity.
They're not paying rent.

The crash you're waiting for?
Even if prices drop 15%, that's $417k → $354k.
Still $32k more than 2019.
You're still behind.

And when prices DO drop?
Every "patient" buyer floods the market.
That $354k house gets 15 offers.
Bidding war pushes it to $375k.
You waited six years to overpay anyway.

One of you is winning. Hint: Not you.

Every year you wait costs:

Appreciation you'll never recover
Equity you'll never build
Rent you'll never get back

01/13/2026

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Mortgage rates near 6% are drawing buyers back, with January offering an extra perk. Buyers of a 1,500-square-foot home could save about $23,000 compared with a May purchase, according to LendingTree.

Real estate agent Matt van Winkle of Compass says December and January often deliver the best prices, as motivated sellers and lighter competition give buyers an edge.

11/28/2025