Keys to the Market

Unlocking Insights, One Door at a Time

Chris Fosgate Chris Fosgate

Condos Could Be a Win for Today’s Buyers

With condo inventory up, prices cooling, and sellers more open to negotiation, buyers have more options and leverage than they’ve had in years. Whether you’re a first-time buyer or looking to downsize, condos offer affordability, flexibility, and the chance to be selective in today’s market.

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Chris Fosgate Chris Fosgate

Even a Small Change in Rates Can Lower Your Monthly Payment Chart

Mortgage rates recently hit their lowest point of the year, and even small shifts can mean big savings on your monthly payment. While major drops aren’t expected in 2025, smaller declines are still possible. Want to see how different rates affect your loan? DM me and I’ll run the numbers for you.

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Chris Fosgate Chris Fosgate

More Contracts Are Falling Through. Here’s How To Get Ahead.

More contracts are falling through today, with 15% of pending sales canceled this June—often due to inspection issues. A pre-listing inspection helps sellers get ahead of surprises, avoid last-minute renegotiations, and build buyer trust. Investing upfront can save thousands later and keep your deal on track.

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Chris Fosgate Chris Fosgate

Are These Myths About Buying a Newly Built Home Holding You Back?

Many buyers skip new construction due to outdated myths about price, negotiation, quality, and the need for an agent. In reality, new homes can be competitively priced, come with incentives, offer solid craftsmanship, and still benefit from expert agent guidance. Don't overlook this opportunity.

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Chris Fosgate Chris Fosgate

Online Home-Buying Search Terms Recently Hit 2-Year High

Google search trends show home-buying interest is climbing, hitting a 2-year high in July. Despite high rates, motivated buyers are still browsing and ready to act. If you've been waiting to sell, now may be the time to list and capture this growing demand.

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Chris Fosgate Chris Fosgate

Why Selling Without an Agent Can Cost You More Than You Think

Selling your home without an agent might seem like a money-saver, but stats show FSBO homes sell for nearly 15% less. With more listings and buyer competition today, professional pricing, marketing, and negotiation are essential to avoid leaving money on the table.

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Chris Fosgate Chris Fosgate

A Second Home Might Be the Missing Piece in Your Retirement Plan

A second home might be your secret weapon for a better retirement—offering rental income, long-term value growth, and portfolio diversification. With market conditions favoring buyers, now could be the right time to explore this powerful wealth-building strategy.

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Chris Fosgate Chris Fosgate

2 Advantages of Buying a Newly Built Home Today

Since there are more new homes on the market, builders are motivated to sell and that's leading to two great perks: price cuts and lower rates. Let's connect if you want to see what builders are offering in our area.

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Chris Fosgate Chris Fosgate

The Truth About Down Payments (It’s Not What You Think)

Think you need 10-20% down to buy a home? Think again. Most first-time buyers put down far less, and many qualify for low or no down payment loans. Plus, thousands of assistance programs can help cover the cost. Don't let myths stop you--homeownership might be closer than you think.

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Chris Fosgate Chris Fosgate

The 3 Things You Risk by Pricing Too High

Overpricing your home can lead to price cuts, pulled listings, or unwanted landlord duties. In today's competitive market, the right strategy--and the right agent--can help you price it to sell quickly and confidently.

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Chris Fosgate Chris Fosgate

Today’s Tale of Two Housing Markets

The housing market is splitting—some areas favor buyers, others sellers. Learn how regional trends are shifting and why local expertise is key to navigating today’s market successfully.

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Chris Fosgate Chris Fosgate

Housing Market Forecasts for the Rest of 2025

Home prices are expected to rise modestly in 2025 while mortgage rates remain steady in the 6% range. The market is cooling, not crashing—so buyers and sellers should focus on strategy, not headlines.

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Chris Fosgate Chris Fosgate

The U.S. Foreclosure Map You Need To See

Foreclosure filings rose 7% in early 2025, but remain far below crisis levels--just 0.13% of homes nationwide. Stronger lending and record homeowner equity mean today's market is nothing like 2008. Let's connect to talk about what this really means for you.

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Chris Fosgate Chris Fosgate

The Latest Mortgage Rate Forecasts

Mortgage rates are projected to stay in the 6% range through year-end, so holding off for a major drop might not pay off. Let's connect to explore your options and keep you informed as forecasts shift.

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