Your Agent Ami

Your Agent Ami As a Realtor I help people find the right home. I can help you with buying, selling,or investing. I will help you navigate through the Real Estate maze.

Mortgage rates aren’t random. They’re affected by 2 numbers. The 10-year treasury yield and something called "the spread...
08/12/2026

Mortgage rates aren’t random. They’re affected by 2 numbers.

The 10-year treasury yield and something called "the spread." That's the gap between the 10-year treasury yield and mortgage rates, and it usually sits around 1.76 percentage points.

Back in 2023, the gap in the spread ballooned up to 3.19 in response to economic uncertainty. If it were still that wide today, rates would be pushing almost 8%.

But the good news is the gap has narrowed to 2.01 (a lot closer to the long-term norm). And that’s a big positive for rates. It’s why today’s mortgage rate is in the upper 6s instead of touching 8%.

Here's the part a lot of people miss. Where rates are right now are already pretty close to what a totally normal spread would produce – a mortgage rate around 6.5%.

In other words, the fact that the spread has narrowed in recent years has helped mortgage rates. Sure, they’re still higher than you may want, but it could be worse.

Wondering if buying now still makes sense with rates like this? Send me a message and let's break it down.

Today’s buyers are looking beyond square footage and focusing more on how a home fits their everyday lifestyle. 🏡 Flexib...
06/01/2026

Today’s buyers are looking beyond square footage and focusing more on how a home fits their everyday lifestyle. 🏡 Flexible spaces that can adapt to work, hobbies, guests, or changing needs often stand out more than just having extra rooms. A thoughtful layout can make a home feel more functional, comfortable, and valuable to future buyers. If you’re thinking about buying or selling and want insight into what today’s buyers are really looking for, send me a message and let’s chat!

Did you know nearly 1 in 3 home purchases today involves co-buyers?That's right, more and more first-time buyers are tea...
05/08/2026

Did you know nearly 1 in 3 home purchases today involves co-buyers?
That's right, more and more first-time buyers are teaming up with friends, siblings, or unmarried partners to make homeownership happen.
And honestly? It makes a lot of sense given how tough affordability can still be for first-time buyers.
Combining incomes means a bigger down payment, better loan qualification, and lower monthly costs for everyone involved.
If you've been feeling priced out, co-buying might be the move you haven't considered yet. Drop your questions in the comments. I'd love to help you explore your options.

Why do some homes sell fast. While others sit?It’s not just the market.Right now, the typical home is still going under ...
05/06/2026

Why do some homes sell fast. While others sit?
It’s not just the market.
Right now, the typical home is still going under contract in about 19 days – and some in as little as a week.
So, homes are still selling. Just not all of them. Some are even selling quickly.
The difference? Buyers are more selective than they’ve been in years. They’re paying attention to price, condition, and how a home shows online before they ever step inside.
That means the homes that feel move-in ready and priced right are still getting strong interest, even now. But the homes that aren’t? They sit.
If you’re thinking about selling, the question isn’t just “will it sell?” It’s “how will it stack up?”
Want to make sure yours stands out? DM me and I’ll walk you through what I’d do if I were you.

The right color choices can make a big difference in how your home shows, and how buyers feel the moment they walk in 🎨🏡...
04/14/2026

The right color choices can make a big difference in how your home shows, and how buyers feel the moment they walk in 🎨🏡 Thoughtful, well-placed tones can help a space feel more inviting, modern, and move-in ready. If you’re getting ready to sell, even small updates like this can go a long way in boosting appeal. Not sure where to start or what will make the biggest impact? Send me a message, and I’d love to help you create a game plan!

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