Encore Mortgage Funding, Inc. NMLS #362848

09/09/2026

First-time buyers, your remote job might give you a homebuying advantage you haven't thought about.

If you can work from anywhere, you can buy just about anywhere, too. And searching in a lower-cost area could mean more homes within your budget. It could also mean spending less on everyday things like gas and groceries after your move.

These states are some of the spots where your money may go the furthest, but they aren't your only options. Every state has pockets with better affordability.

A local agent can match your budget and lifestyle to a shortlist of areas, whether that's a new state or somewhere closer to where you already live. Let's connect and start building yours.



Sheri L. Garner Mortgage and Real Estate Advisor
Let’s connect. Your next move starts with a plan..https://www.encoremortgage.net/get-started/

09/08/2026

You probably think as a general rule of thumb, brand new homes costs more than existing homes. But right now, that's backwards. This shows just how much.

A newly built home costs about $40k less than an existing one right now. That's because builders are cutting prices and piling on incentives to keep their inventory moving.

And that opens up a window for you to get brand new everything for less than you may expect.

DM me if you want a list of nearby new home communities offering deals like this right now to see if a new build may be in your budget after all.



Sheri L. Garner Mortgage and Real Estate Advisor
Let’s connect. Your next move starts with a plan..https://www.encoremortgage.net/get-started/

09/05/2026

09/05/2026

✨W Pompano! We’re else can you buy new construction on the ocean for $845,000!
You have to see it! 🌊☀️

https://www.instagram.com/p/DctCcy4icdK/?stkn=cDdkOW45OHJmbnlj

09/05/2026

Do you realize how much pull you have right now as a buyer?

There are more sellers than buyers on the market right now. That means a lot of sellers know they’ll have to compromise a bit to get their house sold, which leaves you room to negotiate on price and terms.

Of course, exactly how much room you have depends on where you’re looking. But more and more markets are trending in favor of buyers, so let’s chat about what’s going on in our area.

Send a DM, and we’ll turn your negotiating power into a set of keys.



Sheri L. Garner Mortgage and Real Estate Advisor
Let’s connect. Your next move starts with a plan..https://www.encoremortgage.net/get-started/

09/04/2026

Everyone's been watching mortgage rates. But there's another trend buyers shouldn't overlook...

Every fall, the housing market tends to shift.

More homes hit the market. Asking prices often soften. And sellers are usually more willing to negotiate.

Those seasonal changes happen almost every year – and they can make buying a little easier.

Let's talk about whether those same trends are showing up in our local market – and what it means for you.



Sheri L. Garner Mortgage and Real Estate Advisor
Let’s connect. Your next move starts with a plan..https://www.encoremortgage.net/get-started/

09/02/2026

Thinking About Tapping into Your 401(k) To Buy a Home? Read This First.

Affordability is definitely a challenge, but that doesn’t mean tapping your 401(k) is your only way in if you want to buy.

If you're considering using your 401(k) savings for a down payment, weigh all your options and talk with a trusted financial advisor before you make any decisions. They’ll help you make a plan to fit your goals and your budget.



Sheri L. Garner Mortgage and Real Estate Advisor
Let’s connect. Your next move starts with a plan..https://www.encoremortgage.net/get-started/

Lately, headlines have floated an eye-catching idea about tapping into your 401(k) to cover a down payment on a home.

09/01/2026

Sellers Are Cutting Prices To Meet Buyers Where They're At

Right now, sellers are flexible on the price in ways they weren't before. Let’s take advantage of that flexibility.

You may be surprised by what's available – and how willing today's sellers are to work with buyers.



Sheri L. Garner Mortgage and Real Estate Advisor
Let’s connect. Your next move starts with a plan..https://www.encoremortgage.net/get-started/

You're scrolling through listings on your phone and everything looks good until you see the price (or the estimated monthly payment). Then you close the app.

08/29/2026

Worried About a Housing Crash? The Numbers Tell a Calmer Story.

The rest of the world may feel unpredictable right now, but the housing market doesn't have to. Prices, inventory, and rates have all found solid ground.

If stability is what you've been waiting for, it's already here. Let’s connect if you want to talk through what that means for your move.



Sheri L. Garner Mortgage and Real Estate Advisor
Let’s connect. Your next move starts with a plan..https://www.encoremortgage.net/get-started/

A recent survey from Talker Research asked Americans to pick one word to describe how 2026 has felt so far. The winner? Stressful. And honestly, there’s been a lot going on.

08/28/2026

2026 Forecasts for Rates and Prices

Still waiting for mortgage rates and home prices to come down? Here’s what the forecasts shows. Expect more of the same. Rates likely won’t change much – and prices will likely rise. Sometimes the best move isn't waiting for the market to change. It's finding out what's still possible right now. Let’s talk it over.



Sheri L. Garner Mortgage and Real Estate Advisor
Let’s connect. Your next move starts with a plan..https://www.encoremortgage.net/get-started/