Annie Murphy, Realtor

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While no one has a crystal ball ✨ here is what the experts say lies ahead for interest rates and the real estate market ...
12/28/2023

While no one has a crystal ball ✨ here is what the experts say lies ahead for interest rates and the real estate market in 2024 📈🏘

👉🏼Interest rates will likely remain steady for the first half of 2024.

👉🏼Most forecasting groups expect the 30-year fixed rate to stay above 6% throughout 2024.

👉🏼Rates won’t drop until inflation comes down to the central bank’s 2% inflation target.

👉🏼While there's some dispute on exactly how much rates will decrease, the general consensus is that mortgage rates will go down in 2024, and they could even end up close to 6% by the end of the year.

👉🏼As a result of the higher rates, buyers can expect a calmer market where they’ll be able to regain a little leverage - Let's go Buyers!!

Moving forward, there’s a chance that the media will misrepresent this slowing of home price growth as prices falling, so don’t believe everything you see in the headlines!

I’ll be watching the market closely as we head into the new year, and am happy to answer any questions you have about buying, selling, or investing in 2024! 📲🙋🏼‍♀

Juneteenth is the oldest nationally celebrated commemoration of the ending of slavery in the United States — also known ...
06/19/2023

Juneteenth is the oldest nationally celebrated commemoration of the ending of slavery in the United States — also known as Emancipation Day.

On this day in 1865, a Union General rode into Galveston, Texas to share the news the Civil War had ended, and slaves had been freed.

When the Declaration of Independence was signed in 1776, slavery still existed in America. It would be 89 more years before slavery would officially end.

Today, we remember and pay tribute to the day slaves finally received their freedom.

Let us not forget the significance that today holds in our country.

To the dads who have been our superheroes since day one, thank you for the countless bedtime stories, the comforting hug...
06/18/2023

To the dads who have been our superheroes since day one, thank you for the countless bedtime stories, the comforting hugs, and the laughter-filled adventures. You are the ones who taught us how to ride a bike, catch a ball, and reach for the stars. Your love and presence have been a constant source of strength, inspiring us to dream big and embrace the journey of life fearlessly.

Happy Father's Day to all the dads out there who go above and beyond. This is a day to celebrate the remarkable role you play in shaping our lives and making a difference in our hearts.

Reach out and remind your "Dad" how much he means to you today, and every day.

🏡 THIS WEEKEND'S OPEN HOUSES 🏡 📍520 Raymond Drive West Chester, PA 19380Saturday 2 - 4 pm3 Beds | 3.5 Baths2,614 sqft 📍...
06/16/2023

🏡 THIS WEEKEND'S OPEN HOUSES 🏡

📍520 Raymond Drive West Chester, PA 19380
Saturday 2 - 4 pm
3 Beds | 3.5 Baths
2,614 sqft

📍1180 Valley Stream Drive Perkiomenville, PA 18074
Sunday 1 - 3 pm
3 Beds | 2.5 Baths
2,054 sqft

📍2512 Swamp Pike Gilbertsville, PA 19525
Sunday 1 - 3 pm
3 Beds | 2 Baths
1,904 sqft

Despite all of the doom and gloom headlines that you may have seen recently, our current real estate market is HOT. I'm ...
06/16/2023

Despite all of the doom and gloom headlines that you may have seen recently, our current real estate market is HOT. I'm talking 20+ offers, 10-15% over asking, waived contingencies, and offering your kidney, crazy. This is a result of a severe inventory shortage and high demand – but how does this affect you?

If you're thinking of selling, the time is NOW. With very little inventory, you will likely attract many more motivated buyers than you typically would in a more stable market, which means more potential offers, and maybe even a bidding war. If you've thought about making a move in the next 3-5 years, I would strongly suggest you consider selling THIS year. Just like our economy, the real estate market has a cycle – and we are at the top of it right now.

Have questions about our current market? Shoot me a message, I am here to help!

Wondering how much you could make if you sold your home tomorrow? First, you will need to know how much you can realisti...
06/15/2023

Wondering how much you could make if you sold your home tomorrow? First, you will need to know how much you can realistically sell your home for — that's where I come in! I can provide a comparative market analysis and give you a suggested list price based on recent comparable homes that have sold in the area (and it's FREE!)

Next, take your selling price and subtract the following:

• Your mortgage payoff amount (tip- this is not the same as your last statement balance, you may have to call the mortgage company to get an accurate payoff amount).

• Real estate commissions. (typically 6% — 3% for the buyer's agent and 3% for your agent) plus any costs to prepare or stage your home.

• Transfer tax. This varies from state to state and is sometimes split between the buyer and seller (typically between 1-2% of the sale price).

• Moving expenses (plan for 1% of the selling price.)

If you've considered selling your home — send me a message! I'd be happy to give you an accurate estimate of what your home is worth in this market, and what you could potentially walk away with. With a comprehensive seller's net sheet, you can confidently decide if making a move is right for you.

Dreaming of a relaxing getaway without the hassle of traveling? I've got you covered! Swipe → to see the perfect staycat...
06/14/2023

Dreaming of a relaxing getaway without the hassle of traveling? I've got you covered! Swipe → to see the perfect staycation itinerary I've put together for you right here in West Chester. ✔️

Over the past few years, there has been a lot of buzz around the term "appraisal gap coverage" due to the rise in home v...
06/13/2023

Over the past few years, there has been a lot of buzz around the term "appraisal gap coverage" due to the rise in home values and the competitive, multiple-offer environment. But what does it really mean?

When you purchase a home with a mortgage, the lender typically requires an appraisal to validate the purchase price and "protect" themselves to ensure that they are only loaning you what they are told the home is "worth" based on comparable homes that have sold. This is also to protect you so that you are not underwater on your home value before you even settle.

However, in a competitive market when home prices surge, the appraised value may fall short of the agreed-upon price, creating a gap that needs to be addressed. Therefore, offers are being made with stronger, more creative terms, such as providing assurance that any difference between the contract price and the appraised value (or up to a certain amount of the difference), will be made up in additional cash at settlement. Essentially, in order to get competitive against multiple offers, buyers are offering to cover the difference between the appraised value, and the contract price (ie "the gap"), so that the seller still gets the agreed-upon price.

If you have some extra cash saved up, this may be a great option to consider if you find yourself in a competitive situation. It's important, however, to understand the risk involved with covering an appraisal gap, along with your options if the appraisal does happen to come in lower (restructuring your loan amount, getting a gift, etc).

It's important that you speak with your lender before assuming you can actually make up the difference if the appraisal comes in low — you don't want to drain your entire savings account or rainy day fund in doing so.

Looking for an experienced agent to help guide you and protect you in this aggressive market? Send me a message and let's chat!

MOTIVATIONAL MONDAY ✨ In a world where we often measure success and fulfillment by the number of opportunities that come...
06/12/2023

MOTIVATIONAL MONDAY ✨

In a world where we often measure success and fulfillment by the number of opportunities that come our way, it's crucial to remember that the true essence of an opportunity lies in its inherent potential to create a positive impact on our lives.

Sometimes, we may find ourselves in situations where it seems like opportunities are scarce. It's easy to become disheartened and assume that the lack of opportunity equates to a lesser chance of achieving our goals or finding happiness. However, the reality is quite the opposite.

When there are fewer opportunities, we are presented with an invaluable gift — the chance to discern and choose wisely. This shift in perspective allows us to be more selective and intentional about the paths we pursue.

Remember, the opportunity that appears less apparent or is not as readily available does not diminish its value or potential impact. It may be a career change that challenges us to step out of our comfort zone, a chance to pursue a passion project that fills our soul, or an opportunity to forge deeper connections with the people who truly matter.

Ultimately, it's not about the number of opportunities that come our way, but rather how we embrace and maximize the ones we have. By shifting our focus from scarcity to abundance, we unlock the ability to recognize the hidden potential in every situation, nurturing a mindset that fosters growth, resilience, and a relentless pursuit of our dreams.

🏡 THIS WEEKEND'S OPEN HOUSES 🏡 📍114 Teaberry Ct Sinking Springs, PA 19608 Sunday 11am - 1pm 5 beds | 3 bat...
06/09/2023

🏡 THIS WEEKEND'S OPEN HOUSES 🏡

📍114 Teaberry Ct Sinking Springs, PA 19608
Sunday 11am - 1pm
5 beds | 3 baths
2,628 sqft

Let's take a moment to appreciate the unpredictable nature of life. It has a way of throwing curveballs and surprises ou...
06/09/2023

Let's take a moment to appreciate the unpredictable nature of life. It has a way of throwing curveballs and surprises our way, doesn't it? But here's the thing: living is all about adapting to the unexpected and finding beauty in the midst of it all.

Life has a funny way of defying our expectations and plans, but that doesn't mean we can't find joy and growth in the process. It's in those unexpected moments that we truly learn what we're made of and discover new possibilities.

Think about it as going with the flow. When life takes an unexpected turn, we have a choice. We can resist and fight against it, or we can embrace the unknown and navigate it with grace. It's the latter that allows us to live a fulfilling and enriching life.

Life is full of twists and turns, and it's in those unexpected moments that we often find the most valuable lessons and opportunities for personal growth. So, let's embrace the unpredictability and navigate the unexpected with grace and resilience.

You've booked your trip, planned your itinerary, and packed your suitcase, but before you leave, it's important to take ...
06/08/2023

You've booked your trip, planned your itinerary, and packed your suitcase, but before you leave, it's important to take the time to protect your home while you're on vacation.

Swipe → for a few ways to ensure that your home stays disaster and burglary-free while you’re gone.

Make sure you save this post for later and follow for more home tips!

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300 Willowbrook Lane Suite 310
West Chester, PA
19382

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