Stoker Home Loans

07/03/2025

As the market shifts, nearly 44% of today’s sellers are offering concessions. That includes offering perks to buyers, such as repair credits or assistance with closing costs.

💡 The savviest sellers are using concessions to bridge gaps, sweeten offers, and get across the finish line.
With home prices up roughly 55% over the past five years, there’s plenty of room to negotiate and still come out ahead.

✔️ Want to go over which levers are worth pulling in our market? Let’s chat. That way you know what’s working for sellers in your local area, whenever you’re ready to make your move.

06/27/2025

Ever felt overwhelmed after applying for a mortgage, suddenly bombarded with calls you didn't ask for? 🤯

A new bill just passed by the House of Representatives, H.R. 5564, aims to stop this exact problem! It's all about protecting your financial privacy during the homebuying process by putting an end to "trigger leads."

Learn what trigger leads are, what this bill means for you, and what happens next.

Subscribe to our monthly e-news to stay up-to-date with the housing market.

06/19/2025

You’ve probably heard you need 20% down to buy a house, but that’s a common myth.

💡 Most first-time buyers put down much less. Many also qualify for down payment assistance, but never use it because they don’t realize it’s available.

✔️ If your down payment feels like the biggest hurdle, let's talk!

06/09/2025

💡Homeownership is one of the best ways to build wealth!

✔️As you pay down your mortgage and as home values rise over time, you gain equity – and that helps grow your net worth. That’s why a homeowner’s net worth can be nearly 40X greater than a renter's.

But you should only buy a home when you’re ready and able to do it. If you'd like to develop a plan to achieve your goal, let’s connect.

06/03/2025

💡 For the 12th consecutive year, surveys indicate that Americans consider real estate their preferred long-term investment, ranking it above stocks, gold, and bonds. Historically, homeownership has been a stable and reliable avenue for wealth accumulation.

✔️ Let's help you break into the housing market and start building your net worth today!

05/29/2025

This month's e-news breaks down projected rates, inventory shifts, and price trends for the second half of the year. Click the link below to get the full scoop!

Subscribe to our monthly e-news to stay up-to-date with the housing market.

05/08/2025

Talk about a winning choice! The average homeowner's net worth is 43 times that of a renter. Homeownership builds significant, long-term wealth and is a strategic move towards securing your financial future.

✔️Reach out with any questions you may have regarding your home loan needs!

05/07/2025

Thanks to how much home prices have climbed in recent years, the average homeowner has over $300K in equity.

And once you sell, you can use your equity to fund the down payment for your next home. And if you’re looking to downsize, you may even be able to buy in all cash.

So, if you’ve been on the fence about selling, let’s take a closer look at your numbers and how much equity you have. You might be surprised by what’s possible.

04/24/2025

In this month's E-news, we're comparing the current narrative to the bigger picture and offering a balanced perspective.

✔️ Click the link below for a more nuanced look at what's actually happening.

Subscribe to our monthly e-news to stay up-to-date with the housing market.

04/10/2025

💡 Overpricing your house could cost you more than you think!

Data shows that the longer a house sits, the less it sells for. If a house is priced at or just below market value, it typically sells quickly. But if it is priced too high, it lingers. As time passes, you’ll likely have to accept a lower offer or make a price cut to attract buyers back in.

✔️ Reach out today with any of your home loan needs or questions!

04/09/2025

Are low rates really a good deal? 📈

Buying yourself a lower interest rate can save you money over the life of your loan, but the upfront fees can increase your APR. To truly maximize savings, it's essential to weigh both factors. Our experts can help you explore current market rate trends and advice you on finding the perfect balance for your home loan.

*Rates are for demonstration purposes only

04/02/2025

At a national level, the housing market has shifted over the past year. There are more homes for sale, price growth has moderated, and homes are taking a little longer to sell. Do you want to know how our area compares?

Let’s connect so we can go over what's happening locally and what this means for you.