Beat the Crowds and Buy This Winter

Don’t Wait—Beat the Crowds and Buy This Winter


Snow globe: rakchai/iStock; sign: jdillontoole/iStock

Now that the U.S. has regained its job-creation mojo, as the October employment report showed, the demand for housing is only going to grow.

After all, when people have jobs they can break off and form new households—ditching the roommates behind or finally moving out of Mom and Dad’s basement—and that’s what fundamentally drives home purchases.

Most of the households created over the past two years have been renting households, but based on U.S. Census data for the third quarter of this year, it appears that homeownership has started to recover.

This especially makes sense now that it is cheaper to own than rent in more than three-quarters of the counties in the U.S. And it’s not getting better— rents are rising year over year at twice the pace of listing prices. Meanwhile, mortgage rates remain at near record lows but appear poised to increase over the next year. And home prices are rising, too.

So if you qualify for a mortgage and have the funds for a down payment and closing costs—and if you intend to live in a home long enough to cover the transaction costs of buying and selling—you will be better off financially if you buy as soon as you can. After all, if you are tired of your current home now, you won’t feel better about it in six month

The top factors driving home shoppers this summer were pent-up demand and recognition of favorable mortgage rates and home prices. These drivers will likely remain well into next year.

Yet demand for housing is extremely seasonal. In most markets in the country, we are conditioned to believe that we should buy homes in the spring and summer. So come each October, plans to purchase shift to the spring. While the school calendar and weather do influence the ideal time to move, many buyers would benefit from buying this fall and winter rather than waiting until next spring.

In October, the percentage of would-be buyers on® saying that they intend to buy in seven to 12 months was the highest it has been all year and represented the largest time frame for purchase. Likewise, October produced the lowest percentage of would-be buyers saying they intend to buy in the next three months.

In other words, people’s stated plans point to a very strong spring for home sales. Great, right? But here’s the problem: Inventory isn’t likely to be higher in March and April than it is now. And while inventory should grow in late spring and into summer, it won’t grow as fast as the seasonal demand.

So, if you are ready, consider getting in the market now instead of early spring. You will have more choices and less competition, and you can lock in today’s rates rather than risk rates being 25 to 50 basis points higher. (A basis point is 0.01 percentage point.)

A 50 basis-point increase in rates (for example, from 4.05% to 4.55%) would cause monthly payments to be 6% higher. And that increase would not only affect your monthly cash flow but could also affect your ability to qualify.

So if you are considering buying a home this spring, it’s worth exploring the inventory now and reaching out to a local Realtor®. A new home could be the best gift you give yourself and your family this holiday season.

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This blog was posted on on November 25, 2015.

ORR Lady Bulldogs Ends Volleyball Season

Girls volleyball ends season at state quarterfinals

By Matthew Bernat | Nov 11, 2015

Photo by: Georgia SparlingThe Lady Bulldogs celebrate after a playoff win against Hingham last week. The team lost to Notre Dame on Monday after returning to the tournament for the first time in eight years.

MATTAPOISETT — The Old Rochester girls volleyball team were knocked out of the South Division 2 state tournament following a loss to No. 1 seed Notre Dame. But according to Head Coach Matt Bisso, competing in the tournament was a major win for the program this year.

“To make it this far and play the number one seed was amazing,” Bisso said. “The girls have grown and performed at such a high level.”

In the quarterfinal game, Notre Dame won 3-0 over the Lady Bulldogs. Notre Dame, which won a state championship two years ago, beat ORR 25-12, 25-14 and 25-7 in the three matches.

This year marked the team’s return to tournament play for the first time in eight years.

Bisso said students who joined the team as sophomores worked hard the past few years to improve.

“Every year they gave more and increased the expectations they had for themselves,” he said.

Senior and middle hitter Hayli Marshall agreed.

“We’ve known since we were sophomores that this was a growing program,” she said.

After having endured years where the team earned only one win, players celebrated the season.

“We went through the losses together and now we’ve gone through the wins together,” Marshall said. “We’re really close because of that.”

Looking ahead, Bisso said another core group of players is coming up through the ranks. Hopefully, the team will again be a playoff contender.

“We’re poised to return to the state playoffs,” he said. “And that’s a position we want to be in every year.”

Congratulations on a Great Season!

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This blog was posted on on November 16, 2015.

Care About Your Community!

care about your community, BOLD Moves Real EstateUnderneath it all, real estate is about relationships and about people believing that you care about them and will do well by them.  What better way to show that then to be involved in your community, allowing people to see that for themselves.  Then, when they come to you about a real estate issue or transaction, they already see you as a caring, involved individual who just happens to be a real estate professional.  It truly doesn’t matter what you choose to be involved in.  You can coach a team, sit on a committee, volunteer at a school, or read to the blind.  What matters is that your neighbors and co-volunteers get to know you and believe in you.

The best part is that getting involved in your community not only makes good business sense, it also makes good personal sense.  Giving of yourself without expectations will make you happier and healthier.  It truly will!  When you help others you really are helping yourself as well.  Try it and see!
Get involved!   You may have an interest or hobby that you can teach to others.  You may have a talent for accounting or designing websites that you can offer to a local non-profit in need.  You may love to rise early, so you could serve breakfast at a church to those in need.  Take some time to investigate what might work with your talents and available time and then dive in!  There are even websites that match volunteers to positions.  Start small, don’t overwhelm yourself, but start.  You will be glad that you did!
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This blog was posted on on November 9, 2015.

5 Reasons to Use a Handyman for Home Repairs!

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5 Reasons to Use a Handyman for Home Repairs

 by Courtney Soinski

shutterstock_39743137Whether you need help with small home maintenance projects like cleaning the gutters or larger repairs like fixing a leaky ceiling or faucet, using a handyman can offer huge payoffs for homeowners, not to mention a lot less stress!

If you’re not convinced, here are 5 reasons to use a handyman for home repairs and maintenance.

1. Save money

Before you assume that doing a project or repairs on your own will help save money, think again. A professional will get it done the very first time, while going it yourself may require more supplies throughout the process to get it exactly how you want it. Why go out and spend your money on all the hardware and equipment when your handyman has everything within arm’s reach?

2. Save time

With ample experience under his belt, chances are that a handyman can get a project done in one or two hours, while you may spend all day working on replacing the insulation in your attic or installing a new appliance.

3. Safety

When you hire a handyman to perform a home repair or service, you do not risk injuring yourself by trying to figure it out on your own.

4. Avoids major & costly repairs

By having a trusty handyman to fix small home issues as they arise, you’ll be able to prevent those issues from developing into larger ones that can put a big hole in your wallet. Even further, a well maintained home retains your property value.

5. The job will finally be done.

A qualified and experienced handyman will get the job done quickly and efficiently, which will make your family happy that it’s finally finished. And the best part? You’ll have more time to do the things you enjoy!

Source: The Ancaster Handyman; Smith Thomas & Smith, Inc.

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This blog was posted on on November 5, 2015.