Colin Quiney - NMLS #137202 - Michigan Mortgage Consultant

02/06/2026

01/14/2026

2019: "I'm waiting for the market to crash."
2020: "Pandemic! See? I was right!"
2021: "Prices are insane. I'll wait."
2022: "Rates are too high. I'll wait."
2023: "Still too expensive."
2024: "New administration..."
2025: Still renting. Still waiting. Still wrong.

Meanwhile, the "panic buyers" of 2019?
They own homes worth $95k more.
They've built six years of equity.
They're not paying rent.

The crash you're waiting for?
Even if prices drop 15%, that's $417k → $354k.
Still $32k more than 2019.
You're still behind.

And when prices DO drop?
Every "patient" buyer floods the market.
That $354k house gets 15 offers.
Bidding war pushes it to $375k.
You waited six years to overpay anyway.

One of you is winning. Hint: Not you.

Every year you wait costs:

Appreciation you'll never recover
Equity you'll never build
Rent you'll never get back

01/08/2026

01/07/2026

Home and Wealth updates

A monthly email with helpful news about owning a home and saving or spending wisely.

01/01/2026

As we step into a new year, we’re grateful for the trust, relationships, and milestones we shared in the year behind us. Here’s to fresh goals, new beginnings, and helping more families feel at home in the year ahead. Cheers to a bright new year! 🏡🥂

12/25/2025

Wishing our clients, partners, and team a season filled with joy, gratitude, and time well spent with those who matter most. Thank you for trusting us to be part of your homeownership journey—here’s to a bright and prosperous year ahead! 🎁🏡

11/25/2025

Thank you! Thank you! Thank you!

11/18/2025

Less, for a less expensive home.