{"id":11358,"date":"2023-08-03T06:00:42","date_gmt":"2023-08-03T11:00:42","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=11358"},"modified":"2023-08-08T08:45:37","modified_gmt":"2023-08-08T13:45:37","slug":"housing-market-challenging-storm","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/housing-market-challenging-storm\/","title":{"rendered":"The Housing Market Perfect Storm"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11358\" class=\"elementor elementor-11358\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-1953c20d elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"1953c20d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7cef698f ae-bg-gallery-type-default\" data-id=\"7cef698f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b9470a2 elementor-widget elementor-widget-heading\" data-id=\"6b9470a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What\u2019s causing it and how to weather this challenging market<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-75d72fd3 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"75d72fd3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1ce49370 ae-bg-gallery-type-default\" data-id=\"1ce49370\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7cc759a0 elementor-widget elementor-widget-text-editor\" data-id=\"7cc759a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Key takeaways<\/strong><\/p><ul><li>With a housing market that never fully recovered from the 2008 recession, homebuyers are facing fewer homes hitting the market, with more people willing to pay premiums.<\/li><li>One option to navigate high interest rates could be a \u201cbuydown.\u201d<\/li><li><a href=\"https:\/\/www.cainwatters.com\/digitalblogs\/wealth-podcast-ep-134\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\"><strong>Our podcast episode<\/strong><\/span><\/a> discusses if waiting till the market turns around is key or if it will only cause more negotiations down the line.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-70390c62 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"70390c62\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-29a134d6 ae-bg-gallery-type-default\" data-id=\"29a134d6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f06f346 elementor-widget elementor-widget-text-editor\" data-id=\"3f06f346\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With interest rates still hovering a few ticks under the 20-year high of 7.08% set in November 2022, conventional wisdom dictates that home prices should be down as housing demand naturally decreases. Alas, there\u2019s nothing conventional about this housing market, as existing home prices have only edged down slightly from their June 2022 highs.<\/p><p>Why are home prices remaining stubbornly high, even as the housing market overall has weakened?<\/p><p>According to Jessica Baldwin, Vice President at <a href=\"https:\/\/firstunitedteam.mymortgage-online.com\/maddison.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">First United Bank Addison Baldwin<\/span><\/a>, the market is being hit with a perfect storm of factors that are keeping home prices high\u2014and many homebuyers are looking for answers.<\/p><p>\u201cThere are market dynamics going on here that we haven\u2019t seen before,\u201d says Jessica. \u201cBut it really comes down to a low inventory, high demand scenario.\u201d<\/p><p>Unlike other challenging housing markets, the high interest rates are contributing to the lower inventory levels. Here\u2019s why.<\/p><p>According to Redfin, a whopping 82.4% of homeowners have mortgages under 5%, with 62% under 4%. Starting in March 2022, the Fed reeled off 10 interest rate hikes, pushing rates higher and faster than any other time in recent history. Before many homeowners could react, they were essentially handcuffed to their low locked-in rates.<\/p><p>\u201cYou have homeowners who bought or refinanced in the 2\u2019s, 3\u2019s and 4\u2019s who are simply not willing to sell,\u201d says Jessica. \u201cIn this environment of higher rates and higher home prices, they\u2019re not getting more for their money, so they\u2019re staying put.\u201d<\/p><p>Combine that with a new housing market that never fully recovered from the 2008 recession, recent supply shortages holding up many new homes that are being built, and strong demand fueled by a robust labor market, and homebuyers are facing a double whammy: fewer homes hitting the market, with more people willing to pay a premium for the ones that do.<\/p><p>Even in rural areas, prices are high and competition can be even higher, spurred on by the work-from-anywhere crowd.<\/p><p>With all those factors in place, what are prospective homebuyers to do?<\/p><p>Fortunately, Jessica says the dream of owning or upgrading shouldn\u2019t be put on the shelf just yet.<\/p><h5><strong>NAVIGATING THE STORM<\/strong><\/h5><p>The key to succeeding in a tough real estate market like this is to surround yourself with the right team.<\/p><p>\u201cA good financial advisor can help buyers find the right monthly mortgage allocation for their unique financial situation,\u201d says Jessica. \u201cWith a proper budgeting plan in place, that magic monthly mortgage number often ends up higher than expected.\u201d<\/p><p>The same thing goes for a mortgage loan partner. In a market like this, Jessica recommends buyers find a lender with the expertise and resources to get a little creative in this ultra-competitive environment.<\/p><p>\u201cMany people aren\u2019t aware of the many different products we have available to help our clients win in a competitive market,\u201d says Jessica. \u201cIt comes down to giving the client that one-on-one, personal service that buyers rarely get with the big, cookie-cutter lenders.\u201d<\/p><p>One such option Jessica finds a lot of success with is called a temporary buydown. Although there are many ways to structure them, buydowns require up-front funds to be deposited into an escrow account to temporarily reduce the interest rate for a specific period of time.<\/p><p>\u201cBuydowns are just one of many levers we can pull to achieve what buyers want,\u201d says Jessica. \u201cThe key is being in lockstep with a trusted mortgage professional before the search begins. These things need to be planned from the beginning, so buyers are ready to go when that perfect home hits the market.\u201d<\/p><p>\u201cA lot of buyers are so hyper-focused on getting the lowest interest rate, but in reality, succeeding in a market like this is more about getting to know the client, their long-and short-term plans and goals, and crafting the best plan to make that dream home a reality.\u201d<\/p><p>To learn more about Jessica and her team at First United Bank Addison Baldwin, <a href=\"https:\/\/firstunitedteam.mymortgage-online.com\/maddison.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">here\u2019s how to get in touch<\/span><\/a>.<\/p><p>For anything else you need, from assessing the health of your personal and business finances in preparation for buying a new home to full financial planning and professional tax services, CWA is always here to help. <a href=\"https:\/\/www.cainwatters.com\/contact\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\"><strong>Set up your free consultation<\/strong><\/span><\/a> today.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-6baf10fa elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"6baf10fa\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3d15d9df blue-box ae-bg-gallery-type-default\" data-id=\"3d15d9df\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-553be0a2 elementor-widget elementor-widget-text-editor\" data-id=\"553be0a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!--StartFragment --><span class=\"cf0\">So should you wait until the market turns around before you buy your home? The answer might be different based on if this is a starter home, forever home or even vacation home. Judson and Hunter weigh in on a recent episode of the Accumulating Wealth Podcast.<\/span><!--EndFragment --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6f3df8 libsyn elementor-widget elementor-widget-shortcode\" data-id=\"a6f3df8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><iframe title=\"Embed Player\" src=\"https:\/\/play.libsyn.com\/embed\/episode\/id\/27200520\/height\/128\/theme\/modern\/size\/standard\/thumbnail\/yes\/custom-color\/0c2340\/time-start\/00:00:00\/playlist-height\/200\/direction\/backward\/download\/yes\" height=\"128\" width=\"100%\" scrolling=\"no\" allowfullscreen=\"\" webkitallowfullscreen=\"true\" mozallowfullscreen=\"true\" oallowfullscreen=\"true\" msallowfullscreen=\"true\" style=\"border: none;\"><\/iframe><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What\u2019s causing it and how to weather this challenging market Key takeaways With a housing market that never fully recovered from the 2008 recession, homebuyers are facing fewer homes hitting the market, with more people willing to pay premiums. One option to navigate high interest rates could be a \u201cbuydown.\u201d Our podcast episode discusses if [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":11360,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[16,41,27],"tags":[],"ppma_author":[48],"class_list":["post-11358","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-news-feature","category-featured","category-knowledge-know-how"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Housing Market Perfect Storm<\/title>\n<meta name=\"description\" content=\"Why are home prices remaining stubbornly high, even as the housing market overall has weakened? One such option with a lot of success is called a temporary buydown.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cainwatters.com\/digitalblogs\/housing-market-challenging-storm\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Housing Market Perfect Storm\" \/>\n<meta property=\"og:description\" content=\"Why are home prices remaining stubbornly high, even as the housing market overall has weakened? One such option with a lot of success is called a temporary buydown.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cainwatters.com\/digitalblogs\/housing-market-challenging-storm\/\" \/>\n<meta property=\"og:site_name\" content=\"Cain Watters Blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-03T11:00:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-08T13:45:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2023\/07\/630.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"CWA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"CWA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/housing-market-challenging-storm\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/housing-market-challenging-storm\\\/\"},\"author\":{\"name\":\"CWA\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/#\\\/schema\\\/person\\\/5377defb92fcf06c1ff8504bf9880267\"},\"headline\":\"The Housing Market Perfect Storm\",\"datePublished\":\"2023-08-03T11:00:42+00:00\",\"dateModified\":\"2023-08-08T13:45:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/housing-market-challenging-storm\\\/\"},\"wordCount\":827,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/housing-market-challenging-storm\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2023\\\/07\\\/630.jpg\",\"articleSection\":[\"Digital News Feature\",\"Featured\",\"Knowledge &amp; Know-How\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/housing-market-challenging-storm\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/housing-market-challenging-storm\\\/\",\"url\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/housing-market-challenging-storm\\\/\",\"name\":\"The Housing Market Perfect Storm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/housing-market-challenging-storm\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/housing-market-challenging-storm\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2023\\\/07\\\/630.jpg\",\"datePublished\":\"2023-08-03T11:00:42+00:00\",\"dateModified\":\"2023-08-08T13:45:37+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/#\\\/schema\\\/person\\\/5377defb92fcf06c1ff8504bf9880267\"},\"description\":\"Why are home prices remaining stubbornly high, even as the housing market overall has weakened? 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