Ricky McHone, Century 21 Advantage Realty

01/10/2026

Let’s talk real estate and find you a home!

01/05/2026

🔥 Ricky’s TOP 10 REASONS TO BUY IN 2026 🔥

1. Rate Cuts Historically Trigger Buying Frenzies

📊 Historically, when mortgage rates drop 1%, buyer demand increases 10–12% within 6–12 months.
👉 Buying before that surge = less competition and more leverage.

2. Home Prices Rise Faster After Rate Drops

📊 In the last 5 rate-cut cycles, home prices increased an average of 6–8% annually following the first cut.
👉 Waiting for lower rates often means paying more for the same home.

3. Inventory Is Still Below Healthy Levels

📊 A balanced market needs ~6 months of inventory. Most U.S. markets sit closer to 3–4 months.
👉 When demand rebounds, supply will not keep up.

4. Builders Aren’t Building Entry-Level Homes

📊 Over 70% of new construction is priced above median affordability.
👉 First-time buyers benefit most before competition intensifies.

5. Rents Continue to Outpace Wages

📊 Average rent growth has outpaced wage growth by 20%+ over the last decade.
👉 Buying locks in housing costs while rent keeps rising.

6. Equity Accumulates Faster in Early Cycles

📊 Homeowners who buy before demand spikes gain equity 2–3× faster than late-cycle buyers.
👉 Early buyers benefit from appreciation + principal paydown.

7. Refinance Opportunity Is Built In

📊 Over 90% of homeowners who bought above 6.5% refinanced when rates dropped below 5% in past cycles.
👉 You can refinance later — you can’t rewind purchase price.

8. Negotiation Power Is Still with Buyers

📊 Seller concessions are still averaging 2–5% of purchase price in many markets.
👉 That disappears when demand heats up.

9. Household Formation Is Accelerating

📊 Millennials & Gen Z are forming households at the fastest pace since the early 2000s.
👉 Demand pressure is coming whether people are ready or not.

10. “Perfect Timing” Historically Costs Buyers

📊 Buyers who waited for “ideal conditions” paid 15–25% more on average over a 3–5 year window.
👉 Strategy beats timing every time.

🧠 BOTTOM LINE

Buy when others hesitate. Refinance when others chase. That’s how long-term wealth is built.

01/04/2026

Up bright and early to show some properties in Lexington. I will forever love the Autumn Ridge subdivision. Are you looking to make a move? Let’s talk about getting your process started.

01/03/2026

Hiring a REALTOR as a buyer is one of the best decisions that you can make. Phone McHone and let’s make 2026 YOUR YEAR to find home.

01/03/2026

Talking to a first time buyer and telling them that they have what it takes to get pre-approved is one of the best parts of the job! Do you have what it takes?

01/01/2026

What’s your biggest hurdle to homeownership? Let’s talk about it!

12/31/2025

Is the down payment what is stopping you from homeownership? Did you know that it’s possible to show up at the closing table and pay zero out of pocket? Drop a 🏡 if you want to learn how!

Dreaming of homeownership but worried about the down payment? KHC’s Down Payment Assistance program offers up to $12,500 to help make it happen. Talk to your KHC-approved lender today and take the next step toward your new home!

Learn more about KHC programs at https://ow.ly/UgGh50X16MB.

12/27/2025

It was a great day for some showings! The weather was wonderful.

12/27/2025

You’re ready for the keys and I’m ready to help you find them! Let’s work together to make it happen.

12/26/2025

Do you have the dream of homeownership in 2026? Let’s talk so you can start planning for that big step!