Johanna Caballero, Loan Officer, NMLS 1450714 - PRMG

11/17/2025

The Housing Market Is Turning a Corner Going into 2026

After several slower-than-normal years, the market is finally starting to turn a corner. Declining mortgage rates, more listings, and growing buyer activity all point to a market gaining real traction.

Let’s connect to talk about what’s happening in our local market and how you can make the most of it in 2026.

After several years of high mortgage rates and hesitation from buyers, momentum is quietly building beneath the surface of the housing market.

11/17/2025

There are real shifts happening in the housing market right now. And these three signs stand out.

1. Mortgage rates have been come down from their peak earlier this year. And that’s helping affordability.

2. More sellers are listing. And that’s adding to the number of homes for sale.

3. Buyers are re-entering the market. Purchase applications are up 20% compared to last year.

It all points to a market that’s finally turning a corner heading into 2026.

Want to know what this means locally? Let’s talk.

11/17/2025

The Housing Market Is Turning a Corner Going into 2026

After several slower-than-normal years, the market is finally starting to turn a corner. Declining mortgage rates, more listings, and growing buyer activity all point to a market gaining real traction.

Let’s connect to talk about what’s happening in our local market and how you can make the most of it in 2026.

Después de varios años de tasas hipotecarias altas y dudas de los compradores, el impulso se está acumulando silenciosamente debajo de la superficie del mercado de la vivienda.

11/16/2025

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.

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? Talk to a trusted lender.

11/16/2025

Would you let $80 hold you back from buying a home?

Because that’s about all you’ll save per month if mortgage rates drop from where they’ve been lately to 5.99%. Of course, that’ll give or take a bit based on your price point and the rate your lender quotes you.

Rates have already come down enough to save buyers almost $400 a month compared to what they would have spent on a typical home earlier this spring. So, waiting for that last tiny dip could mean missing your shot.

Because when rates do fall below 6%, mindsets will shift, and more buyers will get back in the market.

That’ll create more competition for you. And it may drive prices high enough to cancel out the savings you’re waiting for.

So, is $80 a month really worth the wait?

Let’s run the numbers for your price point in our market, so you can see exactly what you’re working with. The difference may not be as much as you think.

11/16/2025

Would You Let $80 a Month Hold You Back from Buying a Home?

You don’t have to wait for 5.99%. You have the chance to move (and save) right now. So, ask yourself: Would you let $80 hold you back from buying a home?

If you find a home you love and the math makes sense, getting ahead may be the best strategy. Let’s run your numbers so you can see what you’re working with in our market.

Muchos compradores están atrapados en modo “esperar y ver” en este momento.

11/15/2025

Trying to break into the market without breaking the bank? You may want to look at fixer-uppers.

The median listing price for the typical single-family home is $436,000.

But for fixer-uppers? It’s only around $200,000.

And if you’re doing the math, that’s about 54% difference.

Now, a house that needs elbow grease isn’t going to be right for everyone. Repairs and updates cost time and money.

But for handy buyers, that price gap could be what gets their foot in the door.

Would you take on a house with potential if it helped you become a homeowner? DM me or drop a comment below.

11/15/2025

Would You Let $80 a Month Hold You Back from Buying a Home?

You don’t have to wait for 5.99%. You have the chance to move (and save) right now. So, ask yourself: Would you let $80 hold you back from buying a home?

If you find a home you love and the math makes sense, getting ahead may be the best strategy. Let’s run your numbers so you can see what you’re working with in our market.

A lot of buyers are stuck in “wait and see” mode right now.

11/15/2025

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.

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? Talk to a trusted lender.

11/14/2025

You’ve probably noticed more new homes popping up lately. And maybe you’ve even wondered if builders are overdoing it.

But here’s why you don't need to worry about that.

The truth is, even though we have been building more lately, data shows builders are already pulling back.

Permits to start construction on additional new single-family homes have fallen for eight straight months.

And when you look at the regional data, you’ll see permits are down in almost every part of the country.

That means builders are paying attention to the economy and demand and being intentional right now. And that’s just one reason we’re not going to overbuild nationally.

Of course, inventory is going to vary by area. So, let’s talk if you want to know what builders are working on here.

Does that surprise you after all the online chatter about “too much building”? Drop a comment below.

11/14/2025

Are Builders Overbuilding Again? Let’s Look at the Facts.

Seeing more new homes for sale doesn’t mean builders are overdoing it. Since building permits have been declining for eight straight months, it’s clear this isn’t an out-of-control boom. It’s a measured recovery.

If you want to know more about what builders are doing in our area, let’s connect.

Si parece que está viendo aparecer letreros de construcción nueva en todas partes, no se equivoca.