Tatiana Cummings - Realtor, MRP, Licensed in TN & KY

Tatiana Cummings - Realtor, MRP, Licensed in TN & KY Coldwell Banker Southern Realty

Mortgage Rate Forecast: Predictions for the Housing Market Through 2028As someone who’s moved countless times and helped...
10/03/2026

Mortgage Rate Forecast: Predictions for the Housing Market Through 2028
As someone who’s moved countless times and helped many families navigate big transitions in Middle Tennessee and the Fort Campbell area, I always keep an eye on what’s ahead for homebuyers and sellers. Recent forecasts show the 30-year fixed mortgage rate is expected to hover in the mid-6% range through 2028. This means we likely won’t see significant drops in rates for a while, so planning ahead is key. Home prices are projected to rise gently, and with more inventory coming to market, buyers may face less competition. For those considering refinancing, it may only make sense if you’re switching loan types or tapping into your home’s equity. My approach has always been to combine empathy, clarity, and market insight—so you can make confident decisions every step of the way, whether you’re relocating, settling in, or starting a new chapter.


http://www.tatianacummingshomes.com/agent-news/tatiana-cummings/1898284-Mortgage-Rate-Forecast%3A-Predictions-for-the-Housing-Market-T

Homebuyers Gain More Options as Demand CoolsJuly brought a significant shift for homebuyers across the U.S.—buyer demand...
10/02/2026

Homebuyers Gain More Options as Demand Cools
July brought a significant shift for homebuyers across the U.S.—buyer demand dropped to a record low, with sellers outnumbering buyers by 51.3%. As someone who’s guided families through countless relocations (and experienced my fair share of moves as a military spouse), I know firsthand how much these market changes can impact your plans. Rising mortgage rates and ongoing economic uncertainty have created strong buyer’s markets in many cities, while only six metro areas are still considered seller’s markets. If you’re navigating a move—whether it’s a PCS, a first home, or a new beginning—having clear information and a thoughtful approach can make all the difference. I’m here to help you feel prepared, informed, and confident through every step.


http://www.tatianacummingshomes.com/agent-news/tatiana-cummings/1915298-Homebuyers-Gain-More-Options-as-Demand-Cools

Housing demand has slowed, but still stable for nowWith mortgage rates in 2026 holding steady below 7%, I’m seeing housi...
10/01/2026

Housing demand has slowed, but still stable for now
With mortgage rates in 2026 holding steady below 7%, I’m seeing housing demand remain stable here in Middle Tennessee—though growth has flattened or dipped ever so slightly. We’re noticing a gentle uptick in new listings and inventory, along with more price reductions than in previous years. As yields rise and new risks emerge, there’s a chance rates could climb higher, which may lead to a modest dip in home sales and mortgage applications. Having moved many times myself as a former military spouse, I know firsthand how navigating these market shifts can add stress to your journey—whether you’re relocating, PCS-ing, or simply ready for a new chapter. My approach blends up-to-date market insight with careful planning and open communication, so you can make informed decisions and feel supported every step of the way.


http://www.tatianacummingshomes.com/agent-news/tatiana-cummings/1955557-Housing-demand-has-slowed%2C-but-still-stable-for-now

09/30/2026

Could U.S. Rates Stay Higher in 2027?
With all the talk about where U.S. interest rates might be headed, many are wondering if those higher rates could last through 2027. Persistent inflation and elevated long-term Treasury yields are making it a lot less likely we’ll see a quick return to the low rates of a few years ago. The Federal Reserve is walking a tightrope right now—balancing inflation concerns while also keeping an eye on signs that the economy might be slowing down.

What does this mean for those of us navigating the real estate market in Middle Tennessee or near Fort Campbell? Higher long-term yields could keep borrowing costs up, impacting not just buyers and sellers, but also the wider community, from families to local businesses. In times like these, a balanced approach becomes even more important, especially as uncertainty around rates, fiscal pressures, and inflation continues to shape the financial landscape. My focus is always on guiding you with empathy and clear information, so you can make smart, confident decisions—no matter what the market throws our way.

09/29/2026

U.S. cities entering a now-or-never moment for homebuyers
Change is in the air for U.S. homebuyers: for the tenth month in a row, median listing prices per square foot have dipped by 1.8% nationwide. With inventory rising—especially in cities that were once hot spots—some sellers are now adjusting their prices to attract buyers. High mortgage rates and a bit of market hesitation have given buyers more room to negotiate, but also made decisions feel weightier. Having navigated plenty of moves myself, I know how important timing and preparation are, especially in a shifting market like this. For those considering a move in Clarksville, Middle Tennessee, or around Fort Campbell, this is a moment to watch closely and approach with both careful planning and confidence.

09/28/2026

Why Investors Watch US Cash Home Sales
Ever wonder why so many investors keep a close eye on cash home sales in the US? About a quarter of all existing-home transactions in recent years have been cash deals—giving investors a real-time sense of where the market’s headed, often faster than mortgage trends or new construction data.

What’s interesting is how the mix of cash buyers signals the market’s mood. If cash sales rise alongside prices, it’s a sign competition is heating up. But if cash share climbs while overall sales slow, it may mean financing hurdles are pushing out traditional buyers. On the other hand, when cash deals drop but prices stay steady, it could be that lending standards have eased and more folks using mortgages are able to get back in.

Many smaller cash buyers focus on homes tied to probate, tax issues, deferred upkeep, or relocation—cases I often see here in Middle Tennessee, especially as affordability continues to challenge many families. Even when mortgage deals stall, those older homes stay in demand.

US single-family investing isn’t just about numbers; it’s about understanding local taxes, title insurance quirks, renovation costs, and the hands-on work of managing properties—factors that make this market especially rewarding for those who know their neighborhoods inside and out. For larger or international investors, the real opportunity often comes from partnering with local experts rather than going it alone.

For anyone navigating buying or selling—especially during a move or relocation—these shifts matter. My goal is always to help you make sense of the bigger trends while keeping your unique needs front and center, so you can move forward with confidence and clarity.

2027 Brings Promising Homebuying Opportunities AheadIf you’ve been holding out for home prices or mortgage rates to drop...
09/26/2026

2027 Brings Promising Homebuying Opportunities Ahead
If you’ve been holding out for home prices or mortgage rates to drop significantly before making your move, the latest forecasts are worth considering. By 2027, mortgage rates are projected to hover around 7%, and home prices are expected to climb another 2.2%. Rising inflation and higher building costs are the main drivers here, which means affordability likely won’t improve—even though we might see some price relief in 2026.

As someone who’s made cross-country and international moves myself, I know firsthand how much planning and timing matter, especially for military families and those relocating to or from Clarksville and the Fort Campbell area. My approach is all about keeping you informed and prepared so you can navigate the market confidently and with as little stress as possible. Whether you’re just starting to explore your options or ready to take the next step, I’m here to guide you with honest advice and a strategy tailored to your unique move.


http://www.tatianacummingshomes.com/agent-news/tatiana-cummings/1958323-2027-Brings-Promising-Homebuying-Opportunities-Ahead

The 18 states back above pre-pandemic 2019 housing inventory levelsHaving moved countless times as a military spouse, I ...
09/25/2026

The 18 states back above pre-pandemic 2019 housing inventory levels
Having moved countless times as a military spouse, I truly appreciate how much the housing landscape can impact your next steps. Recently, national housing inventory climbed 3.8% compared to last year, but it’s still 7.7% below what we saw in 2019. Most states are seeing only slight growth in available homes, with a few experiencing declines. Interestingly, the Sun Belt and Mountain West regions are now close to or even above their pre-pandemic inventory levels, while home prices in those areas are holding steady. For those relocating to Middle Tennessee or navigating a PCS to the Fort Campbell area, these shifts are worth keeping in mind as you plan your next move. My goal is always to provide proactive, honest guidance—so you can make informed decisions and find a home that feels just right, no matter where your journey takes you.


http://www.tatianacummingshomes.com/agent-news/tatiana-cummings/1974940-The-18-states-back-above-pre-pandemic-2019-housing-inventory

Home-Purchase Loans Increased in Nearly 80% of Major Metropolitan Areas in 2025As someone who’s made many moves—especial...
09/24/2026

Home-Purchase Loans Increased in Nearly 80% of Major Metropolitan Areas in 2025
As someone who’s made many moves—especially as a former military spouse—I know just how significant it is when home-buying activity picks up. Recent numbers show home-purchase mortgage applications rose 2% to 6.68 million, with 3.6 million loans originated and average rates easing to 6.4%. Nearly 80% of major metro areas saw an uptick in applications, even though we’re still not quite back to pre-pandemic activity. For families relocating, military members PCS-ing, or anyone starting a new chapter, these trends are more than statistics—they shape real decisions and new beginnings. My focus is always on keeping you informed and prepared, so you can navigate these shifts confidently and with less stress.


http://www.tatianacummingshomes.com/agent-news/tatiana-cummings/1958468-Home-Purchase-Loans-Increased-in-Nearly-80%25-of-Major-Metropo

09/23/2026

More Homes Hit the Market as Demand Cools
If you’ve been keeping an eye on the housing market lately, you’ve probably noticed a shift: more homes are popping up for sale, while buyers are pausing to catch their breath. Over the last four weeks ending August 23, new listings in the US inched up by 0.4%, and the total number of homes for sale rose 0.5%—the highest we’ve seen since early spring. Yet, pending home sales dipped 1.1% to their lowest point in six months. With median home prices now up 1.9% year-over-year at over $400,000, and mortgage rates hovering close to 7%, it’s no wonder many are weighing their options before jumping in.

For those actively searching, this environment brings new opportunities to negotiate—especially on homes that have been listed for several weeks. I often advise my clients to look at these listings for better leverage with price cuts or concessions. Sellers, meanwhile, are finding that realistic pricing is their best ally, rather than holding out for last year’s highs. Having moved countless times myself, I know how overwhelming these market shifts can feel. My approach is grounded in empathy and clear, honest guidance—whether you’re relocating, buying your first home, or preparing to sell in Middle Tennessee and the Fort Campbell area. My goal is always to help you navigate the ups and downs with confidence and peace of mind.

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2600 N Mt Juliet Road
Mount Juliet, TN
37122PHONE:(615)758-0488

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