Brian McIntosh nmls#1518252 Homeowners Financial Group

Brian McIntosh nmls#1518252 Homeowners Financial Group We are a full-service mortgage banker committed to serving your lifetime of lending needs, while maintaining a culture focused on family and giving back.

Cheers to the work that builds lives, families, and futures. Wishing you a restful Labor Day—and a little extra comfort ...
09/07/2026

Cheers to the work that builds lives, families, and futures. Wishing you a restful Labor Day—and a little extra comfort at home.
https://myoc.io/bmcintosh

NMLS # 1518252

The housing market is heading into fall with a growing gap between supply and demand.Fresh listings jumped heading into ...
09/04/2026

The housing market is heading into fall with a growing gap between supply and demand.
Fresh listings jumped heading into Labor Day, inventory is running above last year, and homes are taking roughly two months to sell. At the same time, pending sales remain below year-ago levels and mortgage rates are still near their highest levels of the past year.
https://myoc.io/bmcintosh

NMLS # 1518252

The housing market is giving buyers more options, but affordability is still keeping many on the sidelines.New listings ...
08/28/2026

The housing market is giving buyers more options, but affordability is still keeping many on the sidelines.

New listings reached a four-month high, while pending sales weakened and mortgage rates finished the week at 6.81%. At the same time, home prices remain resilient—especially in the existing-home market.
https://myoc.io/bmcintosh

NMLS # 1518252

08/26/2026

Three things your loan officer may not tell you 👇

1. I’m thinking about your exit strategy before you even buy the house.
2. Sometimes the higher interest rate may actually be the better financial move.
3. Just because you’re approved for a certain amount doesn’t mean that should be your budget.

A mortgage shouldn’t just be about getting to the closing table.

It should be about understanding the cash you’re spending today, the payment you’re taking on, and how this decision could affect you several years from now.

Getting approved is one thing.

Building the right mortgage strategy is something completely different.

If you’re thinking about buying, selling, or trying to figure out what makes the most sense in today’s market, let’s talk through the numbers.

And agents, I’m curious: what’s one thing you wish more buyers understood before they started shopping?

The late-summer housing market is giving buyers more choices, but higher borrowing costs are still limiting demand. New ...
08/21/2026

The late-summer housing market is giving buyers more choices, but higher borrowing costs are still limiting demand. New listings are moving higher while pending sales have softened, and homes are taking roughly as long to sell as they did a year ago. For agents, that means pricing, negotiation strategy and payment conversations matter more than ever.
https://myoc.io/bmcintosh

NMLS # 1518252

👉Clarity first. Decision second.🤯The cost of waiting isn’t just mortgage rates.In July 2021, the typical single-family h...
08/21/2026

👉Clarity first. Decision second.🤯

The cost of waiting isn’t just mortgage rates.

In July 2021, the typical single-family home in the Greenville area rented for around $1,445/month.

Today, that number is closer to $1,896/month.

That’s roughly $450 more every single month.

So when someone says, “I’m just going to wait another year,” my question is:

What’s the strategy?

Waiting can absolutely make sense. Maybe you need to save more. Maybe you need to improve credit. Maybe the right house simply isn’t out there yet.

But waiting without a plan can get expensive too.

Before automatically renewing another lease, let’s figure out:

• What you could qualify for
• How much cash you’d actually need
• What monthly payment feels comfortable
• Whether buying now, later, or continuing to rent makes the most sense

You don’t have to buy a house just because we run the numbers.

Know someone who keeps saying, “I’ll probably buy next year”? Send this to them.

👇 **Tell me what you’re seeing in your part of the Upstate.**South Carolina pending contracts are up **10.8% year over y...
08/19/2026

👇 **Tell me what you’re seeing in your part of the Upstate.**

South Carolina pending contracts are up **10.8% year over year**, and when we zoom in locally, most of the Upstate counties shown are seeing positive movement too.

Greenville: +2.6%
Spartanburg: +7.1%
Pickens: +1.0%
Laurens: +50.3%
Anderson: -0.4%
Oconee: -7.4%

To me, this points to something important:

Buyer activity is increasing across much of the Upstate compared to this time last year.

That’s encouraging news for our local housing market.

And it’s another reminder why we have to be careful with national real estate headlines. Real estate is local, and what’s happening nationally doesn’t always tell you what’s happening in Greenville, Spartanburg, Pickens, or the market you’re working in every day.

**Agents, I’m curious: are you feeling this on the ground?**

I wanted to know - Is the market actually slow, or does it just "feel" slow?So I pulled the pending contract data for th...
08/17/2026

I wanted to know - Is the market actually slow, or does it just "feel" slow?

So I pulled the pending contract data for the Greenville–Anderson–Mauldin market and compared January through July:

2023: **12,102**
2024: **12,410**
2025: **12,185**
2026: **13,008**

Through July, **2026 has actually produced MORE pending contracts than each of the previous three years.**

That doesn't mean the market is booming.

Homes may take longer to sell. Buyers are more deliberate. Deals can take more work to put together. All of that can make the market *feel* slower.

But activity?

**I don't see a dead market.
I don't see a booming market.
I see a remarkably STEADY market.**

Sometimes what we're feeling in the market and what's actually happening in the data aren't quite the same thing.

The housing market is giving buyers a little more breathing room as summer winds down. Inventory is edging higher, homes...
08/14/2026

The housing market is giving buyers a little more breathing room as summer winds down. Inventory is edging higher, homes are taking about as long to sell as they did last year, and fewer properties are selling above asking. At the same time, mortgage rates remain elevated and existing-home prices continue to post modest annual gains.
https://myoc.io/bmcintosh

NMLS # 1518252

08/12/2026

🚨 The biggest risk with new construction might not be buying the house. It might be selling it.

Builder incentives right now can be incredibly attractive.

🏠 Promotional interest rates
💰 Closing cost assistance
📉 Tens of thousands of dollars in financing incentives

If you’re buying, that’s hard to compete with.

But here’s the question I think more buyers need to ask:

What’s my exit strategy?

Because eventually, you become the seller.

And if your neighborhood is still being built out, your resale home could be competing against a brand-new home with $30,000–$40,000 in builder and financing incentives.

How does a resale seller compete with that?

Often, it means giving something up through price, concessions, or equity.

That’s especially important if you’ve only owned the home for a few years and haven’t had much time to build equity.

I’m not against new construction. We need new homes, and there are some great opportunities out there.

I’m simply saying your mortgage strategy shouldn’t stop at:

“What does this do for me today?”

It should also answer:

“What does this decision look like when I’m ready to sell?”

If your lender isn’t helping you think through both sides of that equation, I’d love the opportunity to be the one who does.

Address

109 Laurens Road, Building 2, Suite B
Greenville, SC
29607

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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