Kathy Herman - Realtor

06/04/2026

Because even though you want rates to come down, experts say this latest inflation data could actually set the stage for rates to stay “higher for longer.”

So, what can you do about it? Should you just wait?

My advice is simple. Focus on what you can control.

Even in a market like this, there are things you can do to get the best mortgage rate possible. Because sometimes you need to move no matter what’s happening – and that’s okay.

You just need the right strategy.

Let's talk about what this means for your situation and your timing. Drop a comment below or send over a message.

Because you don’t have to figure it out alone. And there are still ways to move forward.

06/02/2026

After a year or more of rates coming down, things have changed. And lately, mortgage rates have been climbing again.

And if that's made you wonder whether you should delay your move until they drop, you're not the only one.

The honest truth is that rates probably won't come down much until inflation cools off and some of the global uncertainty settles. And no one knows exactly when that'll be.

But what most headlines won't tell you is that rates aren't the only thing that affects affordability. Sure, they’re a big factor, but not all of the affordability news is bad.

Wages, home prices, and inventory are all trending in a direction that could still help make your move possible.

Want to know what that actually looks like for your situation? Drop a comment or send me a DM.

Because even though rates are higher, there are pockets...

05/31/2026

The Truth About Affordability Today

Yes, rates have been volatile, and global instability is keeping them from settling down anytime soon. There’s no sugar coating that. But the full picture of affordability is more nuanced than the headlines suggest.

Want to run the real numbers for your situation? Let's talk. Reach out and let's set up a quick, no-pressure conversation.

Let's be real with each other for a second about affordability.

05/28/2026

What Most Veterans Don't Know About Their VA Home Loan Benefit

VA home loans can put homeownership within reach, and a trusted lender can help make sure you understand the details before you move forward. If you’re active duty, you’ve served, or know someone who has, connect with a trusted lender who can walk you through whether you’d qualify and what the VA benefit offers. You may be able to buy a home sooner than you thought.

Nearly half of Veterans (49%) feel homeownership is currently out of reach, according to a recent survey from NewDay USA.

05/26/2026

Price Cuts Get Bigger the Longer a House Sits Without Offers

Pricing your house high just to “see what happens” can cost you. Buyers today are quick to ignore overpriced homes. And the longer a house sits without any offers, the less it usually sells for. Want to know the right list price for your house to avoid this headache? Let’s chat.

05/24/2026

Gotta love chat gpt and real estate.

05/24/2026

Newly Built Home Prices Hit a 5-Year Low

Builder incentives and lower new home prices are working to your advantage in a way they haven't in years. Want to see what's available in your area and what kind of deal a builder may be willing to make? Let's connect.

If you’ve always assumed a newly built home is just not in your budget, you should know the math just got a little friendlier.

05/22/2026

“Memorial Day is more than a long weekend—it’s a sacred reminder that freedom has a price. Today we honor the courageous souls who gave their lives so we could live ours. Forever remembered. 🇺🇸”

05/21/2026

You've probably heard that mortgage debt in America just hit an all-time high. And that's true.
But here's what the headline leaves out.

Equity is also near an all-time high. And at $34.1 trillion, it's more than double the $14.4 trillion in debt.

That's a good thing. It means most homeowners own far more than they owe. So, they have a real financial cushion right now.

That’s something homeowners didn’t have during the crash of 2008. Back then, people owed more than their homes were worth. Today, it’s just the opposite.

Homeowners are in a much better position, and the housing market is on stronger footing than the headlines suggest.

05/19/2026

“What if I buy… and home prices go down?” It’s one of the biggest hold ups some buyers have right now.

And honestly, with everything in the news lately, it's easy to see where that's coming from.

No one wants to make a big financial decision at the wrong time.

But here’s the part buyers need to see.

When you look at home prices over the last several decades, data proves prices usually go up, not down.

Yes, there are a few dips in there. But they’re typically small and short-lived. So, while a few markets are seeing slight declines right now, the bigger trend is clear.

Over time, home prices almost always rise.

That’s why buying a home is generally considered a safe long-term investment (especially if you plan to live there for 5+ years).

So, try not to get too caught up in what might happen with home prices next month or next...