Debra Zelaya, Realtor

02/04/2026

What’s ahead for the market in 2026? Our economists are tracking the trends, from inventory changes to buyer behavior, and sharing insights that can help YOU guide your clients. Check out the latest article from the Virginia REALTORS® Research Team today.
bit.ly/45vmLDA

02/04/2026

Wishing the happiest of birthdays to our cherished member of the Chesapeake Bay & Rivers Association of REALTORS®, Debra Zelaya! May your day be filled with joy, laughter, and endless opportunities! Cheers to another year of success and growth!

01/01/2026

Homebuyers who don’t have a large down payment may be surprised to learn that USDA loans offer $0 down financing and often lower-than-average interest rates for eligible rural homes.

Offered by the U.S. Department of Agriculture, these loans help lower-income buyers but come with stricter rules, including location requirements and limits on home size. Still, many buyers are unclear on what’s allowed—from fixer-uppers to ADUs and amenities like pools.

01/01/2026

12/25/2025

12/19/2025

12/18/2025

Homebuilders are still feeling cautious, but they’re starting to see signs of improvement ahead. Confidence in the market remains low, meaning builders think conditions are tough right now, but more of them expect sales to pick up in early 2026 as interest rates come down, making it cheaper to build homes and easier for buyers to afford them.

12/18/2025

Buying or selling doesn’t have to be stressful. We’ll keep you in the loop every step of the way ✨

12/18/2025

Is the holiday season becoming one of the most strategic times to buy? This week on Real Estate Today, we take a close look at how the market is performing right now, whether home prices are still rising or starting to level out, and why buying during the holidays can come with unique advantages. Tune in now!

https://www.nar.realtor/real-estate-today?cid=sm_RET2187

12/09/2025

2026 is shaping up to be more affordable for many homebuyers.

Lower average mortgage rates are expected to drive the first drop in monthly payments since 2020. With incomes also growing, the share of pay needed to buy a typical home is projected to fall below 30% for the first time since 2022.

12/09/2025