Susan Houck, Associate Broker

Susan Houck, Associate Broker Making the dream of homeownership a reality, one buyer at a time. I am here to help you achieve all of your Real Estate goals, Buying, Selling or Investing!

Born and raised in Maryland and the youngest of six children, I am also a soccer, track, football, tennis, wrestling and basketball mom to 4 children, 2 black labs and 3 rescue dogs. I have been a REALTOR® since 1990. In the spring of 2013 I went back to the classroom to take the Real Estate Brokers course and earned my Associate Broker License, in 2018 became the Broker of Market Realty and in 2023 formed the Selling Spires Group of RE/MAX Aspire. Along the way I have furthered my education by earning the New Home Sales Professional designation, the Accredited Buyer and Relocation Specialist designation, Military Relocation Professional certification, and Real Estate Negotiation Expert certification, At Home With Diversity AHWD designation and the Pricing Strategy Advisor. Buying or selling a home is one of the most important decisions that we make in our lifetime and it is important to have someone dedicated to providing that “above and beyond” service on your side! I utilize the extensive knowledge, experience and industry contacts I have gained over the last 30+ years in the real estate business to help my clients succeed with all of their real estate endeavors whether it be purchasing a home or selling a home. I can offer a list of mortgage contacts in the area that assist with Veteran loan products, FHA loans, renovation loan programs as well as conventional products. I have trusted professionals I can recommend in the title industry, home inspection companies, radon companies, well and septic companies as well as contractors for various repairs and renovations. If you are buying for investment, I can put you in touch with lenders for special financing, even financing for renovations/rehab, etc. I have experience in short sales and foreclosures as well as HUD homes. The best part of my job is making the dream of homeownership a reality to all. I would love the opportunity to help you or a loved one buy or sell their next home.

09/28/2026

U.S. Home Prices Ease Across Major Metros | We're here to help you navigate your real estate options
We’re seeing a notable shift in the housing market: In Mid-Q3, home prices per square foot dropped year-over-year in 36 of the 50 largest U.S. metro areas, reflecting a broader cooling trend. Nationwide, the price per square foot was down about 2% from last year—marking the 10th consecutive month of this softening. As Mid-Q3 wrapped up, momentum slowed further, with many sellers adjusting their asking prices more aggressively to bridge the gap with buyers. Persistently high mortgage rates have made affordability a challenge, especially in markets that saw rapid growth during the pandemic, and now, sellers are often coming closer to buyers’ expectations. An economist noted that several of those boom-time markets are giving back some of their pandemic-era gains, with inventory levels now above pre-pandemic norms. At The Selling Spires Group, we always keep a close eye on market data like this to guide our Frederick community. With our background in economics and years of local experience, we’re committed to helping clients navigate these changing conditions with the right information and a focus on what matters most: personalized, successful outcomes in every transaction.

Housing market peaks in 2026 as sales surge but pending listings fallJuly brought a notable uptick in completed home sal...
09/27/2026

Housing market peaks in 2026 as sales surge but pending listings fall
July brought a notable uptick in completed home sales, climbing 7% thanks to contracts secured back in June when mortgage rates hovered at 6.5%. Yet, as rates nudged up to 6.69%, both pending sales and new listings saw a dip. Inventory has inched up, but price growth slowed to just 2.1%—the slowest pace our market has seen in a decade. At The Selling Spires Group, we keep a close eye on these shifts, blending decades of experience with a data-driven approach to help our Frederick community navigate each new market turn. Whether you’re buying or selling, our commitment remains: personalized guidance, innovative strategies, and a focus on what truly matters to you.


https://www.housing-trends.com/agent-news/susan-houck/1954846-Housing-market-peaks-in-2026-as-sales-surge-but-pending-list

The best and worst states for first-time home buyer assistance in 2026Navigating the journey to homeownership as a first...
09/26/2026

The best and worst states for first-time home buyer assistance in 2026
Navigating the journey to homeownership as a first-time buyer can feel overwhelming, especially with the variety of assistance programs available across different states. Some states are stepping up with generous forgivable loans and grants, while others offer more limited, repayable aid—with each program differing in loan terms, income limits, and even perks like student debt relief. At The Selling Spires Group, we draw on decades of combined experience and a commitment to community to help our clients understand these differences and identify the best options for their unique needs. Our approach blends personalized service and local expertise with the latest tools, so first-time buyers can make informed choices and feel confident taking that first step toward homeownership.


https://www.housing-trends.com/agent-news/susan-houck/1976110-The-best-and-worst-states-for-first-time-home-buyer-assistan

The Home Equity Opportunity Is Back. Can Your Operations Keep Up?Home equity is making headlines again: homeowners tappe...
09/25/2026

The Home Equity Opportunity Is Back. Can Your Operations Keep Up?
Home equity is making headlines again: homeowners tapped into $47B in home equity in Q1 2026, a peak not seen since 2021. We’re seeing more clients exploring second liens and HELOCs as creative solutions for leveraging their property’s value. While many lenders still rely on manual processes—leading to delays and frustration—automation is now streamlining the experience, slashing processing times by 77% and helping clients move forward with confidence. At The Selling Spires Group of RE/MAX Aspire, we stay at the forefront of these trends, harnessing technology to guide our clients smoothly through every opportunity. Our Frederick community means everything to us, and we’re here to make sure you navigate these options with clarity and ease.


https://www.housing-trends.com/agent-news/susan-houck/1935227-The-Home-Equity-Opportunity-Is-Back.-Can-Your-Operations-Kee

09/24/2026

Why Buyers and Sellers Are Stuck | We're here to help you navigate your real estate options
In today’s market, we’re seeing a unique stand-off between buyers and sellers. Higher mortgage rates are making it tough for buyers to justify monthly payments, and as a result, many are choosing to wait rather than take the leap. The slowdown in pending sales tells us that fewer buyers are moving forward from house hunting to making offers. On the other hand, homeowners who secured lower rates in the past aren’t eager to list their homes and trade up to a higher mortgage. This means fewer new listings hitting the Frederick market, and that’s keeping inventory tight. It all adds up to a housing stalemate—buyers are holding out for more affordable payments, sellers want to hang onto their low rates, and transactions are moving at a slower pace than usual. At The Selling Spires Group, we’re committed to helping our clients navigate this challenging landscape with the personalized service and innovative strategies that set our team apart. Building community, one home at a time, remains our top priority.

09/23/2026

More Homes Hit the Market as Demand Cools | We're here to help you navigate your real estate options
We’re seeing a subtle but important shift in the housing market: over the four weeks ending August 23, new listings across the US ticked up 0.4%, and total homes for sale increased by 0.5%, hitting the highest levels since early Q2. At The Selling Spires Group of RE/MAX Aspire, we pay close attention to these changes, as more inventory can mean new possibilities for our clients and neighbors in Frederick and beyond. Meanwhile, pending home sales dipped by 1.1% to a six-month low, with high housing costs keeping many buyers on the sidelines—even as options improve. The median US home-sale price rose 1.9% from last year, now above $400K, while average mortgage rates hovered near 7%, their highest in over a year.

For buyers, this evolving landscape is opening up more room to negotiate on price or ask for concessions, particularly with homes that have been listed several weeks. Sellers, on the other hand, are finding the best results by setting realistic prices rather than chasing last year’s highs. Our team’s commitment to personalized service and deep market expertise means we’re here to help you navigate opportunities—no matter which side of the table you’re on.

09/22/2026

Gen Z vs. Millennials: Who Has It Worse for Housing Costs in Every State?
We’re always digging into the numbers to understand what’s really happening in the housing market, especially as we help clients navigate the challenges of buying or renting in Frederick and beyond. A recent comparison of Gen Z and Millennials reveals that, across every state, Millennials shoulder a higher housing cost burden than Gen Z—sometimes by a significant margin. For example, in Hawaii, the gap is a staggering $1,152 more per month for Millennials. Seven states see Millennials paying over $500 extra each month, and in thirteen states, the annual difference tops $10,000. At The Selling Spires Group, we’re committed to providing insights like these so you can make informed decisions—whether you’re a first-time buyer or looking to move up—always with our signature personalized service and a deep understanding of the evolving market.

09/21/2026

US Home Prices Face Real Value Erosion | We're here to help you navigate your real estate options
We’re seeing an interesting trend in the housing market: while US home prices continue to rise on paper, the real value—once you factor in inflation—has actually declined for the 13th month in a row. Even though a federal index showed prices holding steady from mid- to late-Q2 (after seasonal adjustment), and a national index reported 1.5% annual appreciation (up from 1% earlier in the quarter), these gains still lag behind inflation, which hovered around 3.5%. That means buyers are getting less for their money, even as prices seem to climb. Still, it’s worth noting that since early 2012, nominal prices have shown consistent annual growth, reflecting the market’s underlying strength despite these real-value headwinds. As we move into the second half of the year, affordability remains front and center—quarterly increases in typical monthly payments for existing single-family homes continue to make things tough, especially for first-time buyers. At The Selling Spires Group, we keep a close eye on these shifts to guide our clients with data-backed advice and genuine community focus, always aiming to turn market challenges into opportunities for our Frederick neighbors.

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2470 Longstone Lane, Suite J
Marriottsville, MD
21701

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