Ricardo Velazco- Realtor

10/16/2026

Good news if you’re house hunting: the asking price isn’t always the final price. 🏡💰

Recent data shows that roughly 60% of homes sold below their original asking price, giving buyers more room to negotiate.

With affordability still tight, even a little flexibility can help. Depending on the property and local market, you may be able to negotiate:

💵 A lower purchase price
🧾 Help with closing costs
🔨 Repair credits
📉 A mortgage rate buydown

How much leverage you have depends on the neighborhood and the home. Message me with the areas you’re considering, and let’s talk about what you may be able to ask for. 📩

10/15/2026

Hoping mortgage rates will come down soon? The latest inflation report has made that outlook less certain.

Inflation rose to 3.7% in September—higher than economists expected. While rising gas prices were a major factor, costs also increased across several other categories.

Why does this matter for housing? Persistent inflation makes it harder for the Federal Reserve to lower its benchmark rate and may even increase the chances of another hike.

The Fed doesn’t directly set mortgage rates, but inflation and expectations around its next move influence them. That means mortgage rates aren't guaranteed to come down anytime soon.

If you’re thinking about buying or selling, don’t build your entire plan around a rate drop that may not happen right away. Let’s look at today’s numbers and create a strategy that works for you now. 🏡📊📩

10/12/2026

Some people are worried that home prices are about to crash. Others are waiting and hoping they will. But what do the experts actually expect? 🏡📊

Fannie Mae recently surveyed more than 100 housing experts about where prices are headed through 2030. The overall consensus: home prices are expected to rise—not crash.& ;

Even the most pessimistic forecast still projects a 6.6% increase.& ;

Some local markets may experience small, short-term declines, but nationally, experts expect home values to continue growing over time. 📈

Wondering what this could mean for your move or what prices are doing in our local market? Message me, and let’s talk. 📩

10/08/2026

Thinking about the years ahead? One of the biggest questions may be whether to stay in your current home or make a move. 🏡

Staying could mean adding grab bars, installing a walk-in shower, widening doorways, or making other updates. A 55+ community may let you skip those renovations while enjoying useful amenities and less upkeep.

Many communities also offer added security, maintained shared spaces, and plenty of ways to connect with your neighbors. 🌿🤝

And the equity you’ve built in your current home could make moving more doable than you think.

Not sure which option is right for you? Message me, and let’s talk it through. 📩

10/07/2026

The number of homes for sale has reached its highest level since 2019—giving buyers more choices than they’ve had in seven years. 🏡🔑

With affordability still challenging, having more inventory improves your chances of finding a home you love without stretching beyond your budget. More options also mean you can compare properties and decide with more confidence.

Want to see what’s available in our local market? DM me with your preferred price range, and I’ll help you get started. 📩

10/06/2026

🏡 Some homes just have a story to tell — and 2409 Beverly Place is one of them.

For the first time in generations, this beautifully preserved Craftsman is ready for a new owner. Inside, you’ll find 3 bedrooms, original architectural details, beautiful hardwood floors, and plenty of the character that makes older homes so special.

Outside, there’s even more to love — an oversized lot, extra-long driveway, detached garage, generous yard space, and potential for an ADU.

And the location? Just steps from Stockton’s Miracle Mile and minutes from UOP.

📍 2409 Beverly Place, Stockton

A home with history, character, and room for what’s next. DM me for more information or to schedule a showing. 🏡

10/05/2026

Does buying your first home still feel years away? You may be closer than you think. 🏡🔑

While saving enough and reaching the point where owning costs about the same as renting can take roughly 15 years, choosing a starter home could shorten that timeline to around seven years:

💰 About 4.6 years to save
📈 About 2.6 years to break even

Those estimates also assume a 20% down payment—but many first-time buyers put down much less. With lower-down-payment loans or down payment assistance programs, your path to homeownership may be even shorter.

You’ve probably already made more progress than you realize. Send me a DM, and let’s explore the programs and options that could help you purchase your first home sooner. 📩

10/03/2026