Sarah Maloney at Guaranteed Rate Affinity, NMLS #1036901

06/23/2026

Great insights here—seeing this exact trend in Monmouth County right now!

The home that’s been sitting on the market for a few weeks? Maybe even a month? Don’t scroll past it just yet.

Your first instinct might be to assume there’s something wrong, but you could be missing out. Especially if finding a house in your budget has been your #1 challenge.

Homes that have been on the market longest are the ones you should be looking at first.

Because the longer a house sits, the more open the seller usually is to dropping the price or negotiating.

So, before you write off a listing that’s been around for a while, let’s connect. I can help you decide which homes are worth a second glance.

06/23/2026

You’ve got the keys, now it’s time to move in. It’s not the most exciting part of homeownership, but it’s also not as daunting as it seems. These are my go-to tips, what are yours?
https://myoc.io/SMaloney/uE5rY

NMLS # 1036901

06/23/2026

Great insights here—seeing this exact trend in Monmouth County right now!

There’s a reason only 5% of sellers sell without an agent.

The ones who tried selling solo point to the same three sticking points – getting the price right, knowing how to prep the house, and selling on time.

That’s a lot to juggle alone. And getting any one of them wrong can cost you time, money, or both.

But a good agent handles all the hard parts.

So, let’s connect when you’re ready to move, and we’ll chat about what a smooth sale looks like for you.

06/23/2026

Great insights here—seeing this exact trend in Monmouth County right now!

Only 5% of Sellers Sell Without an Agent – Here's Why

There’s a reason only 5% of sellers sell without an agent. The ones who tried it on their own say this is where things went sideways: getting the price right, knowing how to prep, and selling on time. And these aren’t small details. They’re what determines how much you walk away with. Skip the guesswork. Let’s connect.

06/22/2026

Great insights here—seeing this exact trend in Monmouth County right now!

That House That’s Been Sitting Could Be Your Best Shot at a Deal

A house sitting on the market isn’t always a glaring red flag. In today’s market, it may be your best opportunity yet.

For help deciding which lingering listings are actually worth a second look, let’s connect.

Open up a home search and you'll see them. Listings that have been on the market for two months. Three. Some longer.

06/22/2026

When things feel more complex, clarity matters even more. The goal isn’t to rush, it’s to move forward with confidence with the right support behind you. I’ll help you get there.

Let’s start the conversation when it feels right for you.
https://myoc.io/SMaloney/tMaSA



NMLS # 1036901

06/18/2026

In his first interest-rate decision at the helm of the Federal Reserve, Kevin Warsh showed that his aim is curbing inflation.⁠
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Someone shopping for groceries would cheer that focus. It’s a different story for someone shopping for a house.⁠
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The Fed kept its benchmark rate unchanged, as expected. The hawkish tilt was less expected: Members of the central bank’s interest-rate committee left the door open for at least one rate increase this year.⁠
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“Persistently high prices are a burden for the American people, but the recent past need not be prologue,” Warsh told reporters. He later added, “This committee will deliver price stability.”⁠
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Warsh is a new face at the Fed — but millions of aspiring home buyers still have the same challenges breaking into the pricey housing market. Elevated mortgage rates, high home prices and a chronic shortage of inventory have sidelined millions of would-be homeowners.⁠
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Following Warsh’s debut meeting at the Fed, early signs indicate that mortgage rates won’t be coming down soon. Rates jumped in the wake of the Fed decision, according to Mortgage News Daily.⁠
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“We’re in a new era and it’s going to take a while for markets to figure out exactly how to react,” said Chen Zhao, head of economics research at the real-estate platform Redfin. “But one thing is clear: the committee as a whole is taking inflation very seriously, which means mortgage rates are unlikely to retreat much in the near future.”⁠
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The good news for people trying to sell their house is that the job market has improved and that’s buoying demand, even in the face of higher mortgage rates, Zhao added in a statement.⁠
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The 30-year fixed-rate mortgage averaged 6.47% on Thursday, down slightly from 6.52% a week earlier, according to Freddie Mac. At the same time last year, rates averaged 6.81%.⁠
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The Fed itself does not set mortgage rates. When mortgage lenders set their rates, they tend to follow the yield on the 10-year Treasury note, which was up Wednesday afternoon but fell back on Thursday morning.⁠
Repost from MarketWatch

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Read more at the link in our bio.

06/18/2026

🏠🔄 CAN YOU BUY A NEW HOUSE BEFORE SELLING YOUR CURRENT ONE?

The short answer is yes. In a competitive real estate market, waiting on a home-sale contingency can cost you your dream property.

Our Buy Before You Sell Program is a non-contingent buyer program designed specifically for move-up and move-down buyers who want to secure a new home without the timing stress.

🔹 HOW TO QUALIFY WITHOUT TWO MORTGAGE PAYMENTS:
The piece that usually breaks these deals is the Debt-to-Income (DTI) spike from carrying two loans. Under this program, we completely exclude your departing residence payment from your qualifying ratios.

🔹 KEY PROGRAM GUIDELINES:
• Equity: Requires a minimum of 20% equity in your current home.
• No Listing Required: Your home does not need to be listed or under contract at closing.
• Flexible Timeline: You have up to 90 days post-closing to list your departing residence.

Skip the back-to-back closing chaos and make clean, non-contingent offers.

📲 Contact Sarah Maloney at Guaranteed Rate Affinity today to run your numbers and get pre-approved! Call (973) 715-6446 or send a DM.

Sarah Maloney | Senior Vice President of Mortgage Lending | NMLS ID #1036901

06/18/2026

This week the Fed chose to hold rates where they are, reaffirming it intends to restore price stability. That patience signals a Fed in no rush, which gives you less to react to. A steadier backdrop gives you room to weigh your options and move when the moment feels right for you.

If you've been wondering how the current landscape fits your goals, that's exactly the conversation I'm here for. Reach out anytime and we'll figure out your next step together.
https://myoc.io/SMaloney/ldmXY



NMLS # 1036901

06/18/2026

Markets have shifted in some areas, but not in NJ. We are still a pretty aggressive Seller’s market.

Has anyone taken the time to explain how much the market’s shifted? Or what it means for your move?

In 2021, nearly every major housing market in the country favored sellers. But now, only about 1 in 3 does. (New Jersey DOES favor Sellers!)

And that changes the dynamics for you.

If you’re buying, you may have more negotiating power. If you’re selling, pricing and presentation matter.

But here's the catch, it's not the same story everywhere. Some markets are strongly in buyers' favor right now. Others? Sellers are still winning. It all depends on where you live.

That’s why you need a pro. A great agent knows which way our local market is leaning and how that can change everything about your strategy.

Want to know what's happening right here? Drop a comment or send me a message.