Boyd Realty Group

09/06/2026

Have you seen the headlines about using your 401(k) to cover a down payment?

Tapping it can feel like an easy call, especially if you’ve got a good chunk saved up. But pulling from retirement early can trigger penalties and set back the savings you'll want later on.

But you don’t necessarily have to raid your retirement to buy a home. You’ve got other options, like FHA loans, which let qualified buyers put down as little as 3.5%. And down payment assistance programs can help, too.

So, before you touch your 401(k), talk with a trusted financial advisor. They can help you find the option that fits your goals and your budget.

09/05/2026

SOLD by Todd Boyd ✨🏡

Congrats to Todd and his sellers on this recent sale!🥂

Looking to buy or sell? We would love to help you. 🤗

09/04/2026

Everyone's been watching mortgage rates. But there's another trend buyers shouldn't overlook...

Every fall, the housing market tends to shift.

More homes hit the market. Asking prices often soften. And sellers are usually more willing to negotiate.

Those seasonal changes happen almost every year – and they can make buying a little easier.

Let's talk about whether those same trends are showing up in our local market – and what it means for you.

09/03/2026

FOR SALE by Boyd Realty Group 🏡

📍6109 Barrister Rd
Chesterfield, VA 23832
3 Beds • 2 Baths • 1,332 Sq Ft
$344,950

Whether you’re searching for your first home, an investment, or your next chapter, this property is ready for you ✨

For more information or to schedule a showing, contact:

Patricia Saravia
📲 804.370.2007
📧 [email protected]
boydrealtygroup.com

09/03/2026

Home starts here 🏡

Cindy Shafer expertly represented the buyers in the purchase of 5100 Monument Ave #1103🥂

Congratulations to our buyers on finding home, and thank you for trusting BRG to help guide the journey ✨

Ready to make a move? Let’s get you home 🏠

Boyd Realty Group
boydrealtygroup.com
6784 Forest Hill Ave
804.562.1978

08/27/2026

A lot of buyers are waiting because they think mortgage rates will drop dramatically.

The problem? That's not what today's forecasts say is going to happen.

Experts believe mortgage rates will actually stay in the mid to low 6s through 2027 due to a number of factors – including inflation.

What’s that tell me? Waiting may not pay off the way you hope it will.

So, if moving is important to you, I want you to know waiting isn’t your only option.

Builder incentives, adjustable-rate mortgages, assumable mortgages, and rate buydowns are just a few of the strategies worth exploring that could help with affordability right now.

I’m not saying you have to buy today, but you should at least know your options. Let's talk about what could work for you.

08/23/2026

If you've been putting your home search on hold because you're convinced mortgage rates will be much lower soon, it may be worth taking another look at that strategy.

Let’s connect so you have an expert who can at least walk you through your options and decide whether waiting really puts you in a better position – or just keeps you on the sidelines a little longer.

Imagine waiting a year to buy a home, only to find mortgage rates haven't changed much. That may sound frustrating. But it's a real possibility.

08/21/2026

Stuck deciding between buying a home now and holding out for the “perfect” mortgage rate?

The truth is, trying to time the market rarely works. Home prices, mortgage rates, and inflation are all outside your control.

And if you wait for all of them to line up just right, you may be waiting a long time.

My advice? If you want or need to move, look at your own numbers instead.

Because whether it's a good time to buy really comes down to your financial situation.

Can you afford the monthly payment?

Do you have enough money left over as a safety net?

What about for repairs?

It’s not a bad time to buy if the math makes sense for you. And that’s true no matter what you’re hearing about the market right now.

Connect with a trusted lender to run the numbers, then let’s chat.

08/21/2026

FOR SALE by Boyd Realty Group 🏡⁠
⁠
📍1019 Arizona Dr
Richmond, VA 23224
3 Beds • 1 Bath • 1,056 Sq Ft⁠
$279,950⁠
⁠
Whether you’re searching for your first home, an investment, or your next chapter, this property is ready for you ✨⁠
⁠
For more information or to schedule a showing, contact: ⁠
⁠
Todd Boyd⁠
📲 804.310.6558⁠
📧 [email protected]⁠
boydrealtygroup.com⁠
⁠

08/20/2026

UNDER CONTRACT 🏡✨

Congratulations to Bill and his sellers on getting 4210 Richmond Rd under contract! 🥂

The next stop? Closing day! 🎉

Thinking about buying or selling? We'd love to help you make your next move. 🤝