New Century Realtors

10/24/2026

Adjustable-rate mortgages (ARMs) are making a comeback, and it's easy to see why.

In October, starting rates for ARMs were running almost a full percentage point below fixed-rate loans. On a median-priced home, that can mean your payment could be roughly $150-300 less per month.

For buyers struggling with affordability, that’s worth considering. Just know that they do come with some trade-offs – the biggest of which is that your rate (and your payment) could rise after a set timeframe.

And just in case you’re thinking…aren't ARMs risky? You should know today's ARMs aren't like the ones from 2008. But they do work differently than a fixed-rate mortgage, so it pays to understand them first.

A trusted lender can help you explore how these loans work, how they can help, and walk you through the what-ifs.

10/23/2026

Buyers, this is big.

The housing market is giving you a level of negotiating power we haven't seen since the years following the housing crash.

According to Redfin, there are now 63% more sellers than buyers nationwide, and 41 of the 50 largest metros favor buyers. That means, in most places, you have more say in what you're willing to pay, what you're willing to accept, and what you want to negotiate.

And sellers have more reason to listen.

Of course this varies market to market, but this shift is creating opportunities for buyers who are ready to jump in – even with today’s higher rates.

DM me, and let's make sure you know how to take advantage of it.

10/23/2026

Five Star Friday 🤩

10/22/2026

Renting can be a good fit for the right person with the right house, but it isn’t the only option. A smart sales strategy can help your house stand out to buyers from day one.

So, if you’re on the fence, let’s sit down and compare what selling and renting would each look like for you.

Selling your house is a big step, and you want it to go smoothly. And with houses taking a little longer to sell these days, renting it out might start to sound like a nice backup plan.

10/22/2026

🏡 BEFORE YOU HIRE A REALTOR... DO YOUR HOMEWORK! 🔎

How many homes have they actually sold in the last 12 months? And what are their clients saying about them?

Experience matters. Results matter. And reviews REALLY matter! ⭐⭐⭐⭐⭐

I'm proud of my sales, but even prouder of the relationships I've built and the reviews I've earned along the way!

Don't just take my word for it. See for yourself!

🔗 https://www.zillow.com/profile/Kfinley34

🍀 Kelly Finley | New Century Realtors
Legendary Customer Service

10/21/2026

This HOME Had Me at Hello! 😍🏡

Waterfront luxury on Old Mission Peninsula? YES, PLEASE! 🌊

This week we're talking about what you should know BEFORE hiring a Realtor! 🔎

Plus, Halloween fun around Metro Detroit, gorgeous homes and... penguins on the golf course?! 🐧⛳😂

Take a look! https://conta.cc/4ytdiIx

Curated by me, every single week! 🤩

Email from New Century Realtors What every buyer and seller should know! Plus, waterfront luxury, Halloween fun and penguins on the golf course! 🐧   Kelly Finley Real Estate Rockstar   OAKLAND COUNTY

10/20/2026

Trendy Tuesday 🔥 👻

TURN IT UP!

Every Halloween party needs a KILLER playlist! 🎶

You can only pick ONE...

1. Thriller

2. Ghostbusters

3. Monster Mash

4. Time Warp

Which one gets you on the dance floor... or what Halloween classic did I forget? 🎃

10/19/2026

The low mortgage rate you locked in a few years ago might make moving feel off the table. But your equity could put it back on.Homeowners with a mortgage have an average of $310K in equity right now. That could go toward a bigger down payment, so you borrow less at today's rates. Or, you may be able to buy your next place in cash – without needing a mortgage at all. So, don’t write off a move just yet. Let's find out how much equity you have and what it could do for you.

10/18/2026

The credit landscape is changing, but action is required on your part. You have to take credit for what you do. And the sooner you get started, the better.

Ready to see where you stand? A quick conversation with a loan officer costs you nothing and could show you you're closer to owning a home than you think.

What's the biggest payment you make every month? If you’re a renter, it's probably your rent.

10/18/2026

🏡 OPEN HOUSE - TODAY - 1-3pm 🏡

📍 1689 Brentwood Drive | Troy

💰 $269,000

🏠 2 Bedrooms | 1.5 Baths | 1,200+ Sq Ft

Updated, move-in ready and located in one of Troy’s most popular communities!

Inside you’ll find an updated kitchen and baths, neutral tones throughout, an open living and dining area, a spacious primary bedroom with loft/office area overlooking the foyer and a basement for even more space. FHA & VA ok!

Step outside to your own private, enclosed paver patio or take advantage of everything Northfield Hills has to offer:

• Community center
• Swimming pool
• Tennis courts
• Sauna + locker rooms
• Game room
• Children’s playground
• Walking trails around the lake

PLUS an attached direct entry garage, Troy Schools and a fantastic location.

The Troy trifecta! ☘️

Priced right and ready for its next ow

Exclusively Listed by: Kelly Finley & Brian Ragland, New Century Realtors