Jason Jepsky of First Federal Bank, NMLS 2017648

10/27/2026

Worried You Might Regret Buying a Home Right Now?

With mortgage rates still a concern, everyday expenses on the rise, and economic uncertainty continuing, it’s understandable to have questions about whether now is the right time to buy a home.

However, a recent NerdWallet survey found that only 3% of homeowners surveyed who had recently purchased a home said they regretted their decision.
Homeownership is a personal decision, and there’s no way to know exactly how the market, home values, or interest rates will change over time.

For some buyers, owning a home may offer an opportunity to build equity gradually as they pay down their mortgage and, depending on market conditions, their home’s value.

The key is finding an option that fits your budget, goals, and current financial situation.

If homeownership is still on your mind, let’s explore your options and discuss whether buying a home may be a good fit for you.

For your security, please do not post account information, personal financial information, or other sensitive data in comments.

Equal Housing Lender | NMLS #408902


Source: NerdWallet, The Stress of Buying a Home in 2026: How Recent Buyers Responded and What They Already Regret, September 2026

10/22/2026

Hoping mortgage rates will come down soon? The latest inflation report just made that outlook a little more complicated.

Inflation climbed to 3.7% in September, higher than economists expected. And while rising gas prices were a big driver, costs increased across several other categories too.

Why does that matter for housing? Because stubborn inflation makes it harder for the Fed to justify lowering their Federal Funds Rate. It could even increase the chances of another hike.

Now, the Fed doesn't directly control mortgage rates. But inflation and Fed expectations influence them, which means there's no guarantee mortgage rates will move lower anytime soon.

If you're planning to buy or sell, don't let a hoped-for rate drop be the only thing driving your timeline.

Let's look at what today's market means for your move and build a plan around the numbers you can actually work with.

Equal Housing Lender | NMLS #408902

http://l.ead.me/jason-jepsky

10/20/2026

Same time of year. 2 very different stories. And mortgage rates may be a big reason why.

Last fall, mortgage rates came down and the number of homes for sale barely budged. This fall, rates have climbed above 7%. Some buyers may have pulled back, homes could be taking longer to sell, and instead of coming off the market, more listings may be sticking around.

Since August, the number of homes for sale has grown by about 25,000. So, what does that mean for you?

Buying? You could more homes to choose from and potentially more room to negotiate on price, repairs, or closing costs.
Selling? Buyers may have more options, so you've got to give them a reason to choose your house. That means getting the price right from day one and making sure your house stands out from the competition.

Want to know what this shift looks like where you live? Drop a comment and let's look at the local numbers together.

Equal Housing Lender | NMLS #408902

http://l.ead.me/jason-jepsky

10/19/2026

5.0 star review received on Experience.com for Jason Jepsky by Ian W - The communication was great throughout the process and he walked me through everything I needed to do

Click to see all 9 reviews of Jason Jepsky, Mortgage Loan Officer | NMLS #2017648

10/18/2026

5.0 star review received on Experience.com for Jason Jepsky by Shemeca C - Jason is an excellent communicator who is knowledgeable, persistent, and genuinely cares about his clients. He goes above and beyond to make sure the job gets done, and his dedication truly sets him apart. He’s an outstanding mortgage loan officer and, without a doubt, my number one go-to loan officer! I highly recommend Jason to anyone looking for a knowledgeable, dependable, and caring mortgage professional. He’s definitely someone you want in your corner! 🙌🏽🏡

Click to see all 9 reviews of Jason Jepsky, Mortgage Loan Officer | NMLS #2017648

10/17/2026

There's been some talk about whether mortgage rates could climb to 9%. Here's some perspective.

Getting there would take a rare mix of things, all lasting a full year: a booming economy with no slowdown in jobs, the Fed raising rates more than expected, and the conflict in Iran continuing to keep oil prices high.

That's an unlikely combination. So, don't let it make you worry.

Have questions about mortgage rates? Drop them in the comments. That's what a trusted agent is for - keeping you informed so a headline never makes your decisions for you.

Equal Housing Lender | NMLS #408902
Source: Housing Wire. com. Are 9% mortgage rates possible, September 2026

http://l.ead.me/jason-jepsky

10/16/2026

Planning for the years ahead often comes down to one big decision: stay or move.

Staying in your house could mean you have to do some updates like grab bars, walk-in showers, and wider doorways. Moving to a 55+ community lets you skip the remodel and puts a lot of perks right outside your door.

Many offer on-site amenities, added security, and an HOA that takes care of shared spaces. Plus, they make it easy to feel connected to the people around you.

And the equity you may have built in your current house could help you make the move.

Weighing your options? Reach out to talk through what makes the most sense for you.

Equal Housing Lender | NMLS #408902
Source: Rocket Mortgage, Living in 55 and over communities: Pros, cons, and costs, May 2026

http://l.ead.me/jason-jepsky

10/15/2026

The Fed is raising the Fed Funds Rate to cool inflation, and that may keep upward pressure on mortgage rates for a while. But you could still make a move that works for you.

It may just take the right strategy.

Buyers need to know their real budget at today's rates. Sellers need a price and plan that fits what buyers can afford right now.

Relief on rates could take some time. If you're thinking about a move, let's put together a game plan built for today's rates, so you'll know your next step.

Equal Housing Lender | NMLS #408902

http://l.ead.me/jason-jepsky

10/14/2026

Feeling like buying your first place is still years away? You may be closer than you think!

While data shows saving up and reaching the break-even point where owning costs about the same as renting usually takes around 15 years, there could be ways to get there faster.

If you set your sights on a starter home, it may be closer to seven years. That could cut the time in half.

But keep in mind, those numbers assume you put 20% down. Many first-time buyers may put down far less, so that saving timeframe can shrink even more.

Contact me, and I'll share a few ways to reach your first home sooner - like talking to a lender about down payment assistance programs.

Equal Housing Lender | NMLS #408902

http://l.ead.me/jason-jepsky

10/14/2026

🏡 You may have more negotiating room than you think.

About 60% of homes are selling below their original asking price, according to a recent Redfin report.

With affordability still top of mind, negotiating on price could be an important part of the homebuying conversation.

How much room there is to negotiate can vary by market, neighborhood, and property.

Thinking about buying? Let's connect to talk through your options and how financing may fit into your plans.

Equal Housing Lender | NMLS #408902



Source: Redfin .com, Housing Supply Hits 6-Year High as New Listings Jump, Giving Buyers Bargaining Power, September 2026