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  •          High mortgage rates make it difficult for prospective homebuyers to enter the market.
  •          Mortgage rates could decline if the Federal Reserve cuts interest rates next year.
  •          Here are nine projections from experts on when the Fed's first-rate cut will come.

High mortgage rates have effectively frozen the US housing market. And while lower rates could be on the horizon, Americans might have to wait awhile.

The average rate for a 30-year fixed-rate mortgage is over 7.4%, up from roughly 3% at the beginning of 2022. This has deterred prospective first-time homebuyers from taking the plunge and made existing homeowners reluctant to sell their homes and buy another — they'd rather stick with the super low rates they…

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Reaching retirement is a significant milestone in life, bringing with it a lot of change and new opportunities. As the door to this exciting chapter opens, one thing you may be considering is selling your house and finding a home better suited for your evolving needs.

Fortunately, you may be in a better position to make a move than you realize. Here are a few reasons why.

Consider How Long You’ve Been in Your Home

From 1985 to 2009, the average length of time homeowners stayed in their homes was roughly six years. But according to the National Association of Realtors (NAR), that number is higher today. Since 2010, the average home tenure is just over nine years (see graph below):

This means many homeowners have been living in their houses…

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Following months of encouraging signs that inflation was finally cooling, a new report showed that it ticked back up in July. With the benchmark interest rate already at a 22-year high and mortgage interest rates the highest they've been since 2000, many buyers may elect to sit on the sidelines and wait for the rate environment to improve. That said, there's no clear insight into when that improvement will actually take place. Nor do experts know how much rates will even fall. With this forecast unclear, it may still make sense for buyers to act now.

3 reasons why it's worth locking in a mortgage rate now.

There are multiple compelling reasons buyers may want to lock in a mortgage rate now. Here are three things to consider. 

Rates could go…

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By Margaret Heidenry

Mortgage rates just jumped to their highest level in 20 years, averaging 7.09% for a 30-year fixed-rate home loan as of Aug. 17, according to Freddie Mac.

In addition to home loan rates hitting their highest levels in two decades, home prices edged upward for the week ending Aug. 12 compared with this same time period last year.

“For the third consecutive week, the median home listing price maintained a slight upward trajectory,” says Realtor.com® economic data manager Sabrina Speianu in her analysis.

Why record-high mortgage rates affect both homebuyers and sellers.

Record-high mortgage rates aren’t just weighing down buyers—they’re tethering sellers to their homes, too.

Speianu explains that most homeowners…

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Story by Aarthi Swaminathan

Homeowner Marie Cantu, 35, lives just outside of Seattle, and has been looking to buy a single-family home outside of Boston to be closer to her family.

The mom-of-five has been “seriously looking” for three-bedroom homes for the last six months. Cantu is hoping to rent her home in Washington, and move roughly before the school year starts, so that her children can adjust better to the new neighborhood. Cantu, a stay-at-home mother, homeschools her children. 

Higher rates make housing more expensive — and less affordable — for aspiring homeowners. They have also been a major factor in keeping would-be home sellers out of the housing market.

On Wednesday, the U.S. Federal Reserve raised the benchmark rate by 25…

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Looking for a home in sought-after Palm Valley?

Make this house with a backyard oasis yours.

Welcome to this stunning home in Palm Valley, Goodyear, boasting 4 bedrooms, 3 bathrooms, a loft, and a generously sized bonus room with built-in bar. Step into the captivating open-concept main living area, highlighted by a spacious chef's kitchen. The kitchen features upgraded cabinets, granite countertops, a convenient R/O system, stainless steel appliances, pendant lighting, and an attractive tile backsplash. Discover ultimate comfort in the private primary bedroom, complete with custom separate walk-in closets, providing ample storage space. Enjoy serene moments on the balcony, accessible from the primary bedroom. The upstairs loft adds versatility to…

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Earlier predictions were that home prices would fall due to rising interest rates. Simply put, that hasn’t happened. While higher rates have slowed appreciation and added a few extra days on the market, home prices are actually climbing at about 4% this year, which is right in line with inflation. That main reason for this is simple supply and demand economics. Most of the country is sitting at historically low levels of inventory.

Sellers have been able to hold fairly strong this year even in the face of continued high interest rates and recession fears. The biggest contributing factor here has been the lack of inventory. People still have to buy due to job and lifestyle reasons such as growing families. With many people holding onto their homes…

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The Cascade Team is extremely honored to be recognized as the “Neighborhood Favorite” in Issaquah by NextDoor!

Thank you to our neighbors! We are honored to be voted a 2023 @Nextdoor Neighborhood Fave. This award means so much for our business and helps us become more recognizable in our community.

“Neighbors know best, and Nextdoor’s Neighborhood Faves are the only annual awards celebrating the businesses that are most loved by locals. This prestigious recognition is only awarded to 1% of the local businesses on Nextdoor and is a testament to the positive impact they have had on their community,” said Nextdoor CEO Sarah Friar.

At The Cascade Team we understand first and foremost that it isn't about "Us". It's all about "You"! We are…

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When it comes to selling your house, you want three things: to sell it for the most money you can, to do it in a certain amount of time, and to do all of that with the fewest hassles. And, while the current housing market is generally favorable to sellers due to today’s limited housing supply, there are still factors that can cause delays or even prevent a house from selling.

If you're having trouble getting your house to sell in today's sellers’ market, here are a few things to think about.

Limited Access – If You Can’t Show It, You Can’t Sell It.

One of the biggest mistakes you can make as a seller is limiting the days and times when buyers can view your home. In any market, if you want to maximize the sale of your house, you can’t limit…

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“Although at a lower velocity than previous years, low inventory and higher interest rates keep the overall market in a more balanced state as sales keep pace with new and existing inventory,”

KIRKLAND, Washington (July 6, 2023) – Brokers with Northwest Multiple Listing Service reported their highest volume of closed sales last month (6,842) since September 2022’s total (7,504) as buyers competed for limited inventory.

The Northwest MLS report summarizing June activity showed there were about six weeks of supply (1.55 months), with twelve of the 26 counties having less than two months of inventory. Among those were King, Kitsap, Pierce and Snohomish counties, where nearly 55% of the inventory is located. Five counties reported having more than…

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