Carrie Campbell, MLO nmls# 493599

09/23/2026

09/23/2026

Incomes grew 4.6% last year*. Monthly mortgage payments fell. That combination means a mortgage payment takes up a
smaller share of take-home pay today than it did a year ago**. The ratio improved.

On top of that: down payment assistance programs exist in most markets, gift funds are allowed on most loan types, and there
are first-time buyer programs that change the upfront cost significantly.

The number you've been assuming you need and the number you actually need are often very different. The only way to know is
to run it with someone who does this every day. DM me and let's find out where you actually stand.

*U.S. Bureau of Labor Statistics, 2025
**Redfin, January 2026

09/16/2026

For years, everyday buyers were competing against institutional money. Large corporate investors had deep pockets, all-cash
offers, and the ability to move fast. This may have created additional challenges for individual buyers and small investors looking to enter the market.

Federal law now restricts those large corporate investors from buying additional properties from existing housing stock.* The
institutional buyers that once crowded out everyday buyers have largely stepped back.

That changes the math on making an offer. You're not competing against a hedge fund. You're competing against people in a
similar position to you. Reach out and let's talk about what this means for your search.

*21 Century ROAD to Housing Act, Effective July 11, 2026.

09/14/2026

Document request? Don't panic. More paperwork doesn't automatically mean there's a problem. In many cases, it's simply part of verifying details and keeping your loan moving toward the finish line.
movement.com/carrie-campbell

09/11/2026

09/09/2026

When a seller is motivated, they're often open to more than just a price reduction. They may negotiate on closing costs. They
may consider funding a rate buydown, which could lower your interest rate for the first one to three years of your loan. They
may work with you on your timeline.

Seven consecutive months of falling asking prices nationally, means this isn't a blip. Sellers in this segment have been sitting
longer than they expected. That's leverage for a prepared buyer.

The buyers winning right now aren't just finding the right home. They're structuring the right deal. DM me and let's talk about
what that looks like.

Source: Realtor.com Monthly Housing Trends Report 2026.
Note: Market conditions vary. Seller concessions, buydowns, terms, and eligibility are subject to applicable guidelines.

09/04/2026

Amazing networks and people! I highly recommend anyone in these areas consider checking out the new BNI Chapters forming!

tinyurl.com/BNIDiscovery2026

Are you interested in BNI?
Wondering how to start a new chapter in your area?
Or just curious how our referral generation process works?

Join Us, Sept 16th for a virtual Discover BNI session!

Lots of new chapters forming in the region, and many professionals who would love to meet you! 👇👇👇

09/03/2026

National housing headlines don't always tell the whole story.

According to Zillow Research, starter-home inventory increased 4.5% year over year in June, while luxury-home inventory
declined 5.2%.*

That could mean more options for some buyers searching at lower price points. Zillow also found that price cuts were more
common among starter homes, with 25% of listings receiving a price cut in June.

Market conditions can vary significantly by location, so what's happening nationally may look very different in your area.
Reach out to learn more about the inventory available in your area and price range.

*Source: Zillow Research, “Starter Homes Are Piling Up While Luxury Homes Fly Off the Market,” July 29, 2026. Starter homes
are defined by Zillow as homes in the 5th–35th percentile of home values in a given region. Market conditions vary by location
and are subject to change.


movement.com/carrie-campbell

08/28/2026

Back-to-School Pop Quiz!
Do you need: ❌ Perfect credit? ❌ 20% down? ❌ Everything figured out?
Not necessarily.
One of the biggest homebuying misconceptions is thinking you're not ready when you may be closer than you realize.
If you've checked a few items on this Homebuyer Checklist, it might be time to explore your options and see what's
possible.
https://movement.com/lo/carrie-campbell