John Milam, Realtor

03/25/2026

If we
don’t trust their advice, we don’t trust their criticism either.

03/23/2026

Heard today: People’s opinions are mirrors of their own mind. A person cannot speak beyond the limitations of their character.
(Read that again)

03/12/2026

“Everyone is asking if now is a good time to buy or sell… and the answer might surprise you. If you’re thinking about making a move this year, let’s talk strategy before you make your next step. Send me a message and I’ll show you what the market is really doing.”

03/11/2026

BEEN THINKING ABOUT BUYING A HOME?

🏡 Housing Inventory Is Rising — More Opportunity for Buyers!
According to the National Association of REALTORS®, active home listings have increased for 28 straight months, giving buyers more options and a bit more negotiating power. 📈
As of January 2026, the market reached a 3.7-month supply of homes, up from 3.5 months a year ago. While homes are still selling quickly in many areas, the growing inventory means the market is starting to shift toward more balance.
Another key change: the “lock-in effect”—when homeowners held onto ultra-low mortgage rates—is beginning to ease. More homeowners are now choosing to list their properties, adding even more opportunities for buyers.
✨ What this means for you:
• More homes to choose from
• Greater negotiating power in some markets
• New opportunities to make your move
Thinking about buying or selling this year? Now may be the time to start exploring your options. I am here to help you - Send me a dm or text me (478)456-0984 and let's get started fiding your dream home.

02/28/2026

Give me a shout if you would like to see this one- it won’t stay long.

Let’s be honest — at $205,000 in Gray, this should not still be sitting.
📍 129 Woodland Dr
3 bedrooms | 2 baths | open concept | fully fenced backyard
If you’ve been waiting for something affordable, clean, and move-in ready… this is it.

The layout flows exactly how you want it to — kitchen open to living, LVP flooring throughout the main areas, and a covered back porch that makes evenings outside easy. The fenced yard is perfect for pets, kids, or just a little privacy.

It’s close to schools, shopping, and everything you need — without feeling crowded.
Starter home? Downsizing? Investment? It works.

At $205,000, this is one of the best values in Gray right now.
Let’s get you in before someone else grabs it.

📱Missy Skinner: (478) 972-3037
📱Regan Skinner: (478) 973-3018
🌐 www.skinnerteam.com
📍HRP with EXP Realty
☎️ 478-901-2091

02/25/2026

I know people keep saying wait to buy or sell, but NOW really is a good time.

Here is a snap shot of the current rates and program Comparisons (National Averages)

Current Average Mortgage Rate

30-Year Fixed Rate: Ranging from 5.76% to 6.125% APR.
15-Year Fixed Rate: Ranging from 5.25% to 5.5% APR.
5/6 Year Adjustable Rate Mortgage (ARM): Around 5.5% to 6.35% APR.
NerdWallet

Comparison of Mortgage Programs

Different programs serve different needs based on credit score, down payment capacity, and income:
Loan Program

Conventional 5.80% - 6.00% APR Highest credit scorers, 20% down to avoid PMI.

FHA (30-Yr) 5.50% - 6.12% APR First-time buyers, lower credit scores (down to 580).

VA (30-Yr) 5.00% - 5.39% APR Service members, vets; No down payment, lower rates.

Jumbo ~5.50% - 6.48% APR Loans exceeding conforming limits ($766,550+).

7/6 ARM ~5.50% - 5.91% APR Lower initial rate, planning to move/refi in 7 years.

Key Findings on Current Market Trends

Rate Volatility: While 30-year rates are lower than a year ago, they remain subject to daily changes based on economic data.
15-Year Advantage: 15-year fixed loans generally offer lower interest rates (around 5.4%) compared to 30-year, reducing total interest paid but increasing monthly payments.

Contact me if you would like to take a look at some options, need a lender suggestion, or if you are ready to buy/sell you dream
home. , , , , , , , , ,

02/19/2026

Mortgage rates are on the move—and this time, it’s GOOD news! 🚀
They’ve dropped to around 6%, with some reports (including Zillow) showing 30-year fixed rates hovering near 5.9–6.0% as of early February 2026. That means more buying power and better affordability right now!
But here’s the catch… 👀
The spring market is almost here, and that means more buyers, more competition, and rising price pressure. The window to make a smart move before the rush is NOW.
If you’re thinking about buying or selling in Middle Georgia, this is your moment to lock in lower rates, beat the crowd, and make your move with confidence. Let’s get you home! 🏡✨

03/22/2025

https://www.instagram.com/p/DHgcegPsbTB83mclqe2bu2A68L__AteA2JRWOE0/?igsh=bzU4NHVncjB0a3Vm

03/18/2025

Lake access without Lake prices.
This 3/2 home is in a great location across from the lake with boat access minutes away. Let me know if you would like to see it.

09/05/2024

"Exciting news for homebuyers and sellers! Mortgage rates have hit a 15-month low (as love as High 5s to low 6s depending) making it a fantastic time to explore your options. Contact John Milam, Realtor today to navigate the market and find the perfect opportunity for you. Don’t miss out on this great chance to make a move!"

Here are current average rates for a variety of mortgage types to help as you rate shop in preparation for homebuying.

08/31/2024