Nancy Kramer, Realtor - Root & Branch Realty Group

09/20/2026

You *can* buy (or sell) a house without a REALTOR®.
You can also cut your own bangs.

Some things are technically possible… but that doesn’t necessarily make them a good DIY project.

Buying a home involves a lot more than finding one you like: contracts, inspections, financing, deadlines, negotiations, disclosures, and knowing what questions you didn’t know you needed to ask.

The bangs will grow back. A bad real estate decision can take a little longer.

Thinking about buying in Central Oregon? I’d be happy to help you make your next move your BEST move.

Nancy Kramer, REALTOR®
Root & Branch Realty Group
Central Oregon

09/19/2026

The Fed raised rates this week. If you're thinking about buying a home, does that mean you should put your plans on hold?

Not necessarily.

One thing that gets lost in the headlines is that the Federal Reserve doesn't directly set mortgage rates. And none of us knows with certainty what mortgage rates—or home prices—will look like six months from now.

Instead of trying to time the market perfectly, I think buyers are better served by looking at their own numbers.

What monthly payment is actually comfortable for you?
How much do you have available for a down payment and closing costs?
What could you realistically buy in Central Oregon at that payment?
And does buying make sense for your plans right now?

Sometimes the answer is “I'm not ready yet.” That's useful information. It gives you something concrete to work toward.

Sometimes buyers are surprised to learn that they're closer than they thought.

You don't have to be ready to make an offer before you start asking questions. If buying a home is somewhere on your radar—even six months or a year from now—I'm happy to help you figure out what the first step looks like.

Nancy Kramer, REALTOR®
Root & Branch Realty Group

09/02/2026

Your living room might be telling buyers what year you decorated it. 😬

That doesn't mean you need to redecorate your whole house before putting it on the market. But a few things that were once everywhere can make a room feel dated to today's buyers.

I put together 5 living room trends that may be worth reconsidering before you list.

And before anybody comes for me over their giant wall clock or their GATHER sign... 😂 I'm not saying you can't love them. The goal when selling is simply to help buyers notice the house first and your decorating choices second.

Take a look through the photos and see if you recognize any of these in your own home.

Thinking about selling in Central Oregon? I'm happy to walk through your home with you and help figure out what's worth changing, what can stay exactly where it is, and where your preparation dollars will actually matter.

Nancy Kramer, REALTOR®
Root & Branch Realty Group
Oregon Lic. #200609066
Make your next move your BEST move!

08/22/2026

I have a few real estate hills I'm willing to die on.

The biggest one? My job isn't to convince you to buy a house.

It's to give you good information, point out what matters, help you understand your options, and represent your interests while you make the decision.

Sometimes the best advice I can give a client is, “I don't think this is the one.”

I'd rather lose a sale than help someone make a decision they'll regret.

What real estate hill would you add to the list?

Nancy Kramer, REALTOR®
Root & Branch Realty Group
Central Oregon

08/18/2026

The latest jobs report gave us another interesting piece of the housing-market puzzle.

Job growth came in weaker than expected, and previous months were revised lower. That matters to homebuyers because signs of a cooling labor market can put downward pressure on mortgage rates.

That doesn't mean rates are guaranteed to fall - and I wouldn't recommend trying to perfectly time the market based on one economic report. (FWIW, everyone tries to time the market!)

But it does mean buyers should pay attention.

A relatively small change in mortgage rates can make a noticeable difference in your monthly payment and purchasing power. For someone who has been sitting on the sidelines because the numbers haven't quite worked, changing market conditions may be worth another conversation with your lender.

The takeaway: Don't make a buying decision based on a headline. Know your numbers, understand what's happening in the market, and be ready to act when the numbers make sense for you.

That's the kind of market information I'm watching for my Central Oregon buyers.

08/07/2026

Unashamed!

05/30/2026

Come on by on Sunday and see this gorgeous home with high-quality custom finishes and views that can't be beat.

05/30/2026

05/26/2026

Reminder 🇺🇸

05/17/2026