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Would You Let $80 a Month Hold You Back from Buying a Home? -
A lot of buyers are stuck in “wait and see” mode right now. They’re watching rates hover a little above 6% and thinking, I’ll buy once they hit the 5s. Because who doesn’t want a better rate? But here’s the thing: that 5.99% number might not save you as much as you think. Affordability is […]
Why Low Mortgage Rates Aren’t Fixing Home-Sales Slump — And What 2026 Could Bring -
You would think that when mortgage rates come down, home-sales activity would shoot up. But the reality for 2025 is different: even though average rates have eased, home-sales remain sluggish. What’s behind the mismatch — and what might change in Western New York next year? What’s Holding Back Sales? 1. The “lock-in” effect of low-rate […]
Are Builders Overbuilding Again? Let’s Look at the Facts. -
If it feels like you’re seeing new construction signs pop up everywhere, you’re not wrong. Builders have been busy. And it’s left some people wondering: Are we overbuilding like we did right before the 2008 housing crash? No matter what you may hear in the news, there’s no reason for alarm. In reality, data shows […]
The VA Home Loan Advantage: What Every Veteran Should Know Right Now -
If you’ve served in the military (or if your spouse has), you have access to one of the most powerful homebuying tools out there. The chance to buy a home without having a down payment. Unfortunately, 70% of Veterans (that’s 7 out of every 10) don’t know about this benefit, according to Veterans United. And […]
Homeowner Insurance & Lender Demands: What’s New in 2025-26 -
Buying or selling a home in Western New York? Then this update matters: home-insurance requirements and lender expectations are changing — and they influence everything from monthly payments to whether a loan can close. Here’s what’s shifting in 2025-26, how it affects you, and what you can do to be ready. What’s Changing in Homeowner […]

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