ryanrealtybend There’s a lot of talk in the news about affordability and mortgage rates right now, but here’s what almost no one is talking about. Yes, mortgage rates have been inching up these past few weeks. But it’s still more affordable to buy compared to buyers who made a purchase last year. Even now, the average monthly payment is about $300 lower than it was just a year ago. So, while rates have shifted lately, the opportunity to buy hasn’t gone away. If you want or need to move, let’s talk strategy. DM me if you want to know what I’m doing to help my clients feel confident moving forward. #MortgageRates #HomeAffordability #BendOregon #CentralOregon #InBend #BendLife #VisitBend #BendRealEstate #BendHomes #CentralOregonRealEstate #BendORProperties #RyanRealty

ryanrealtybend When Buying a Home Feels Out of Reach, Some Families Do This Instead If you want more information on multi-generational homes, let’s have a quick conversation about what’s available in our area. Sometimes the path to homeownership isn’t doing it alone. It’s doing it together. #MultiGenerationalHome #BendOregon #CentralOregon #InBend #BendLife #VisitBend #BendRealEstate #BendHomes #CentralOregonRealEstate #BendORProperties #RyanRealty

ryanrealtybend More buyers are starting to take a closer look at adjustable-rate mortgages (ARMs) right now — and it’s not hard to see why. They typically come with a lower initial rate, which can help make a home purchase more affordable in today’s market. But here’s the part that matters: that lower rate is temporary. After the initial period, your rate (and your monthly payment) can adjust. So, it’s not about whether an ARM is good or bad. It’s about whether it fits your long-term plan. If you’re trying to figure out what you can comfortably afford, it’s worth having a conversation with a trusted lender or financial advisor to walk through your options and see what makes the most sense for you. #HomeBuying #RealEstate #BendOregon #CentralOregon #InBend #BendLife #VisitBend #BendRealEstate #BendHomes #CentralOregonRealEstate #BendORProperties #RyanRealty

ryanrealtybend Before You Fall in Love with a House, Do This First. Ask yourself this: if your perfect home popped up tomorrow, would you be ready to make a move? If the answer is no and you want to buy, it may be time to get pre-approved. You don’t feel behind before your search even officially kicks off. #BendOregon #CentralOregon #InBend #BendLife #VisitBend #BendRealEstate #BendHomes #CentralOregonRealEstate #BendORProperties #RyanRealty

ryanrealtybend Be honest. Have you started looking at homes online yet? Because if you have, it’s already time to get pre-approved. While you may be tempted to wait until you’re really serious about a house, that actually puts you behind the game. The better bet is getting pre-approved before you fall in love with something. It’ll give you clarity on what you can borrow, your ideal price point, and what your monthly payment could look like. That’s information you’re going to want up front, so you don’t fall for something outside of your range. Plus, when a house you love hits the market, you’ll be ready to go – not scrambling to figure it out. If you’re about to start looking or just casually browsing, let’s talk about where to start. #MortgagePreapproval #HomebuyingTips #BendOregon #CentralOregon #InBend #BendLife #VisitBend #BendRealEstate #BendHomes #CentralOregonRealEstate #BendORProperties #RyanRealty

ryanrealtybend This’ll Change What You Think About Investors in Today’s Housing Market It’s easy to assume big investors are taking over the housing market, but the data tells a different story. If you want an expert's opinion on what investor activity looks like in our area, let's talk. Because odds are, it’s not as big a factor as you may think. #RealEstateNews #HousingMarket #BendOregon #CentralOregon #InBend #BendLife #VisitBend #BendRealEstate #BendHomes #CentralOregonRealEstate #BendORProperties #RyanRealty