Brian Endres of First Federal Bank, NMLS 114808

Brian Endres of First Federal Bank, NMLS 114808 NMLS # 114808
Equal Housing Lender

Buying a home when you have student loans is possible. Data shows 32% of first-time buyers have student debt. And the ty...
11/20/2025

Buying a home when you have student loans is possible.
Data shows 32% of first-time buyers have student debt. And the typical amount is $30,000 (Source: 2025 Homebuyers and Sellers Generational Trend Report, NAR, November 2025).

So, if you’ve been holding off on buying your first home because you thought you had to pay off those loans first.

Or, because you assumed it just wasn’t possible for you to buy, let's chat today.

All loans are subject to credit approval and program eligibility.
© First Federal Bank |Equal Housing Lender| NMLS #408902

Inventory is up in every region compared to this time last year - and that means more homes to choose from, more room to...
11/16/2025

Inventory is up in every region compared to this time last year - and that means more homes to choose from, more room to negotiate with sellers, and far less stress.

And while the number of homes available is going to vary all the way down to your zip code, or neighborhood, remember this: no matter where you are, there are more choices for you than there used to be - and I can help you see exactly what's out there in our local area.

So, if you paused your search because the market didn't feel right for you, it's time to take another look. This is a different kind of moment - and it might be the one that finally gets you home.

Let's chat today!
© First Federal Bank |Equal Housing Lender| NMLS #408902

https://l.ead.me/brianendres

Seeing headlines about home prices dropping? Don't panic.First of all, prices are still rising in much of the country, j...
11/15/2025

Seeing headlines about home prices dropping? Don't panic.

First of all, prices are still rising in much of the country, just at a slower pace.

But even in the select metros where prices are down slightly, it's not a red flag. It's a signal prices are possibly normalizing after several years of rapid appreciation.
Here's a stat to put those drops into perspective.

Over the past 5 years, home prices rose by 45% nationwide.

The cities seeing drops right now are only down an average of 4%.

So, don't let the headlines rattle your confidence. Chances are, you probably still have a lot more equity than you realize.

Want to know how much? Contact me and I'll run the numbers.
© First Federal Bank |Equal Housing Lender| NMLS #408902

https://l.ead.me/brianendres

7 in 10 Veterans aren't aware they may be able to buy a home with no down payment.That's one of the biggest advantages o...
11/14/2025

7 in 10 Veterans aren't aware they may be able to buy a home with no down payment.

That's one of the biggest advantages of the VA home loan, and it's still available right now. It may just take more time for it to process due to the government shutdown.

If you've served, you've earned this benefit. It's time to make sure you're getting everything you qualify for.

Want to find out what's possible? Let's chat today!

© First Federal Bank |Equal Housing Lender| NMLS #408902

https://l.ead.me/brianendres

11/12/2025

Regulatory barriers and land-use restrictions have created a housing affordability crisis, pricing out potential buyers across the United States.

11/02/2025

How low will mortgage rates go? Here's what the experts are saying in their latest forecasts.

While no one is calling for a big drop, experts think there will be slow improvement over the next year.

But it won't be a straight line down. You'll want to brace for some bumps along the road as new economic data comes out.

And here's what you need to remember. We don't have to see a big drop for you to feel the difference. Any downward movement should help your bottom line.

If you want to see a rough ballpark of what your future monthly payment could look like as rates ease, let's connect!

© First Federal Bank |Equal Housing Lender| NMLS #408902

https://l.ead.me/brianendres

Planning to sell in 2026? Don't wait for the new year to start getting ready.There are more homes on the market right no...
10/31/2025

Planning to sell in 2026? Don't wait for the new year to start getting ready.

There are more homes on the market right now, so buyers finally have options again. Your house will sell if it's prepped right, so hear me on that. But it means you've got some prep work to do if you want your house to be the one that grabs their attention.

Now, you don't have to do a full-on renovation, but you will want to tackle some strategic repairs. And that's a lot easier (and less stressful) if you start that work now.

But the key is knowing which updates are worth it, and which ones aren't. You want to be sure you're spending your time and effort on projects that'll actually pay off.

That's why having the right agent really helps. Want some advice on what's worth tackling in our market? Let's connect today.

© First Federal Bank |Equal Housing Lender| NMLS #408902

https://l.ead.me/brianendres

Think investors are driving up home prices? Recent data suggest other factors may be at play.Last year, just 2.8% of hom...
10/29/2025

Think investors are driving up home prices? Recent data suggest other factors may be at play.

Last year, just 2.8% of homes were bought by large investors. That means the vast majority were purchased by regular buyers, not big corporate giants.

So, what’s really affecting prices? A long-term housing shortage.
Simply put, there haven’t been enough homes available for everyone who wants to buy one.

Curious what that means for our area? Let's connect!
© First Federal Bank |Equal Housing Lender| NMLS #408902

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10720 Sikes Place, Suite 125
Charlotte, NC
28277

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Monday 9am - 5pm
Tuesday 9am - 5pm
Friday 9am - 5pm

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