Terri Phegley Sells Homes

02/25/2026

Great news!!

02/23/2026

Mortgage rates are down a full percentage point from last year. That may not sound like a lot... until you see that it could save you $330 a month. If buying didn’t work for you last year, it’s time to re-run your numbers and see if 2026 is your year.

02/22/2026

Mortgage rates dropping to a 3-year low isn’t just a headline.

For many buyers, where rates are now could be the difference between watching from the sidelines and finally getting the keys to their next home.

If you’ve been waiting for a sign to re-run your numbers and see what’s possible now, this is it.

Let’s take a look at what today’s rates mean for your budget and your options.

If you’re one of the thousands of homebuyers waiting for rates to fall, you should know it’s already happening.

02/21/2026

You’ve been waiting for mortgage rates to drop – and it’s happening.

Mortgage rates are in the lowest range they’ve been in nearly 3 years. And they’re expected to stay in this vicinity for the rest of 2026. That’s a big deal.
That means affordability is going to start to feel different.

The door just opened. Lower payments. Better affordability. More buying power.

If buying didn’t make sense for you before, it might now. Take this as your sign it's time to talk to a lender and take another look at your numbers.

02/20/2026

For the first time in quite a while, affordability is easing. That’s a meaningful shift.

And because this improvement isn’t happening everywhere at the same speed, understanding what’s changing locally is what really makes a difference. If you want to see how these trends show up in our area, let’s talk it through.

There’s finally a little good news for anyone who’s been priced out or sitting on the sidelines.

02/20/2026

Buying a home is getting more affordable, and this graph helps explain why.

It shows how much of a household’s income typically goes toward buying a home. As a general rule, spending 30% or less of your income on housing is considered affordable.

For the last couple of years, the math was still well above that threshold. But lately, things have been getting better thanks to a mix of lower mortgage rates, slower home price growth, and rising wages.

While affordability isn't going to snap back overnight, the trend is finally moving in the right direction.

If you want to talk through what this means for your buying power, send me a message and let’s break it down.

02/14/2026

It's been a happy Saturday! My family is here visiting from out of town, my grandsons are here, Trent and Shayna are on their way and a sale pending! It doesn't get much better. 🙌

02/09/2026

✨ COMING SOON in Rensselaer! ✨
📍 903 W. Grove St.

This awesome ranch home checks all the boxes! 🏡
✔️ Full basement
✔️ MANY updates
✔️ Lifetime warranty on basement water system
✔️ All appliances included — yes, washer & dryer too!
✔️ Fenced yard + 12x18 deck for outdoor living
✔️ Detached 2-car garage
✔️ Low taxes 🙌

Homes like this don’t last long—stay tuned for more details!
📞 Call Terri Phegley at 219-863-2206

02/05/2026

So excited for my amazing clients! 🎉🏡

After viewing this home last night, they came prepared—did their homework, secured their pre-approval, and today... ACCEPTED OFFER! 🙌

This is what happens when preparation meets opportunity. 💪📄So happy to be part of their journey and cheering them on every step of the way! 💙

Congratulations—you're one step closer to home! 🔑✨

🏡💫

02/04/2026

Attention Veterans!! 🇺🇸
VA Loans = 0% Down Homeownership 🇺🇸
You served. You earned it.
Cornerstone Real Estate Agency is proud to help veterans find a home.

📞 219-866-4528

02/03/2026

Let's get a plan in place for your real estate journey! Contact me whether you're buying or selling, and I'll go to work for you!