Are You Earning The Right To Upgrade?
24 years ago, Tom and I started our business. Tom was sitting in a $5 plastic chair from Food Lion. After some initial success, we could have clearly bought a chair but we were using what we had, reinvesting in our business and education. I’ll never forget when the arm broke off and was flapping around.
I couldn’t find the picture of Tom sitting in the chair (probably for the best)
Here’s the thing — it’s easy to get caught up in how things look. None of that matters if you’re not doing the work. Lead with revenue. Earn the right to upgrade. And until then? Sit in the $5 chair!
Fear vs. Strategy
My first love language? Words of affirmation. My second? Strategy.
Tom and I are always buying, always studying the market, always thinking five steps ahead. But even for us, it’s not always easy.
I know so many of you feel the same way. You’re sitting in a house with a sweet 2.5% interest rate, thinking, Why would I give this up? You want more space, a better location, a fresh start—but that low rate feels like golden handcuffs. And the fear of making the wrong move? It’s real.
But here’s what I know: fear keeps people stuck, and stuck people don’t build wealth.
If rates drop, that dream home you’ve been waiting for? It just got further out of reach. And if you’re holding out for the perfect time to sell? The second inventory rises, we’re back to price wars and beauty pageants.
This market isn’t about waiting—it’s about strategy! The people who win aren’t the ones sitting on the sidelines, hoping for perfect conditions. They’re the ones who understand the game, make smart moves, and position themselves for the future.
Even when it feels scary, t r u s t. Because no one builds wealth or changes their life by waiting for permission. – Joanne
Follow Your Dreams!
Joanne Curtin from Roswell, Georgia knows that the current real estate market may be tough to handle but if you follow your DREAM and have support – YOU CAN SUCCEED TOO!
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The Truth About the Home Buying Process
As shared in the second edition of Your First Home, written by Gary Keller and Jay Papasan:
“Buying a home is a big decision – particularly your first home – but it is one of the best choices anyone can make. It’s a place that is entirely your own. Something you can paint, renovate, and live a full life in. Secondly, the reality is that homes are an incredible way to accumulate generational wealth. Because home isn’t only where your heart is, it’s where your money is, too. There are few places you will treasure more than your home and no place that will add more to your personal treasury.”
While the prospect of homeownership is exciting, it can also be filled with complexities as you embark on the journey for the very first time. Yet, have no fear! If you’d like to receive a copy of the book that contains a complete guide to first-time homebuying, Your First Home, fill out this form and we will get a copy to you!
Click HERE To Receive Your Free Guide
Deciding to Buy
First-time homebuyer fears can range from “I can’t afford to buy a home” to “I can’t buy a home because my credit score is too bad.” While it can be natural to have these thoughts, it’s important to face fears with facts. Let’s take affordability, for instance.
Fear #1: “I can’t afford to buy a home now.”
Fact: Until you do the math, you don’t know what you can or can’t afford.
If you are currently paying rent, generally you can afford to buy. From a financial point of view, in the United States, the tax savings on mortgage interest alone usually make up most of the difference between your rent and mortgage payments – the tax write-offs you get at the end of the year will generally help you save a lot of money.
Additionally, depending on your credit score, you can end up affording more than you realize. The credit scores used for mortgage lending take on a much larger picture of your overall credit score.
Although there may be a higher initial cost to buying a house, if you’re planning on staying in one place for a few years, the equity you build can end up being a financial boon. And did you know that even if you’ve owned a home, you might still be considered a “first-time” buyer? Under many programs, the definition of a first-time homebuyer includes someone who’s never owned a home or who hasn’t owned a home in the past three years.
Fear #2: “I should wait until the real estate market gets better.”
Fact: There is never a wrong time to buy the right home.
Whether “right” means the right price or the right property for you, waiting for the perfect market timing seldom works to your advantage. If you don’t believe us, look back to the Great Recession when the bubble around the housing market burst, GDP declined 4.5%, and unemployment rose to around 9.5%. But like those who endured the Great Depression, those who lived through the Great Recession made it through and benefited from an era of financial growth. In fact, immediately following the Great Recession, the United States entered the longest period of rising prices and general prosperity since World War II.
In the end, there are two ways to make money in real estate: timing and time. Either you happen upon the right moment to purchase before prices appreciate, or you hold it long enough for appreciation to make your investment worthwhile. If you miss the first, you can most certainly count on the second.
Fear #3: “I don’t have the money for a down payment.”
Fact: There are a variety of down-payment options available to you.
While many believe that buying a home requires a substantial down payment, as much as 20%, this is seldom true. You can buy with as little as 5% down – sometimes even less. Moreover, most states have down-payment assistance programs that can help.
House-hacking is also a great way to make homeownership more affordable. This involves purchasing a property and leasing out a bedroom or unit to offset your mortgage. Alternatively, platforms like Airbnb or Vrbo can generate income to cover your mortgage while you’re away.
Fear #4: “I can’t buy a home because my credit score isn’t good.”
Fact: A less-than-perfect credit score won’t necessarily prevent you from buying a home.
A poor credit score shouldn’t stop you from talking to lenders. A good loan officer or mortgage specialist can help resolve credit challenges, sometimes by consolidating debts or referring you to a credit counselor.
If you have no credit history because you’re new to the workforce or haven’t made purchases on credit, alternative solutions exist. A cosigner (such as a parent) can help, or lenders may consider alternative forms of credit history like rent and utility payments.
As real estate mogul Barbara Corcoran advises:
“The perfect time to buy a house? When you can afford the down payment–not when you’re waiting for the ‘perfect’ market. Houses went up 4% this last year. They’re even going to go up more next year. So you’re not really saving anything by waiting.”
The pattern will continue: Prices will rise. Interest rates won’t drop drastically. The sooner you buy, the better.
Finding Your Agent
The legal, financing, and regulatory aspects of real estate transactions are complex. To navigate them successfully, finding a licensed real estate agent is crucial. A good agent serves as an advocate for your interests, ensuring a smooth and informed process.
What a Real Estate Agent Does:
Educates you about the market
Analyzes your wants and needs
Guides you to homes that fit your criteria
Coordinates with professionals like inspectors and lenders
Negotiates on your behalf
Manages paperwork and deadlines
Solves any problems that arise
Questions to ask when choosing an agent:
Why did you become a real estate agent?
Why should I work with you?
What process will you use to help me find the right home?
Shape
Securing Financing
While owning a home is exciting, mortgages can seem daunting. However, the basics come down to four key factors:
Down Payment: You don’t necessarily need 20% down; assistance programs exist.
Interest Rate: Lower rates save you money in the long run.
Term: 15, 20, or 30-year loans impact your equity-building and payments.
Loan Type: Fixed-rate vs. adjustable-rate mortgages affect long-term costs.
Shape
Homeownership is one of the best financial decisions you can make. While fears exist, facts reveal that buying a home is more achievable than many realize. The sooner you start, the more wealth you build over time. If you’re ready to take the leap, our team at the Curtin Team is here to guide you every step of the way!
Have questions? Click HERE to receive information on our next live Home Buyer Workshop where you can learn more and get all your questions answered.
It’s Okay To Quit!
I have a masters in early childhood education. I spent 5 years teaching during the day and working nights at a restaurant. Then, in 2001, I quit!
But here’s the thing—I didn’t just quit to escape; I quit to build something better.
It’s okay to run away from something that isn’t serving you. But never quit unless you’re running toward something greater.
That decision changed my life. Because wealth, freedom, and success aren’t found in playing it safe—they’re built by those willing to bet on themselves.
Go make a move and level up! — Joanne
The 4 Biggest Questions About Real Estate—Answered!
Did you know the real estate market affects you, even if you’re not planning to move or buy a home? Whether you’re a homeowner, renter, or just curious about the economy, the housing market has a ripple effect on everything from personal finances to the broader economy. Understanding these trends can help you stay ahead and make smarter decisions for your future. Curious how? Let’s dive in!
Here are answers and my predictions to four of the most common questions we’re hearing right now:
When Will Mortgage Rates Come Down?
Mortgage rates are influenced by the Federal Reserve’s monetary policy, overall economic conditions, the labor market, and even the geopolitical landscape. Rates have risen as the Fed works to combat inflation. While there’s no exact timeline, many experts suggest rates could stabilize or decrease once inflation is under control and the economy shows consistent signs of improvement. Some predict this could happen in 2025, but it ultimately depends on economic data and future Fed decisions.
For buyers, waiting for lower rates might not always be the best strategy. Acting strategically—such as locking in today’s rates—can make sense, especially as high rates have reduced buyer competition. This often means better negotiating power when purchasing a home.
My prediction? Mortgage rates likely won’t meaningfully reduce until 2026.
When Will Home Prices Come Down?
In short, they won’t—at least not significantly. Housing prices are driven by supply and demand. Currently, most markets in our area face a shortage of inventory, which keeps prices elevated. For prices to drop, we’d need a substantial increase in supply or a major drop in demand. However, cautious builders, a lack of large parcels of land, and homeowners holding onto their low mortgage rates make widespread price declines unlikely.
What we might see instead is a slower rate of appreciation, which offers buyers some relief but not a complete reversal of prices. This environment creates opportunities to purchase at more reasonable valuations with less competition, reducing the risk of buying at a market peak. It’s also a good time to explore long-term rental investments.
My prediction? Our area will return to a normal appreciation rate of 4–5% by 2025.
Will the Housing Market Pick Up Next Year?
The housing market’s trajectory in 2025 will depend on economic stability and consumer confidence. If mortgage rates start to decline, we could see increased buyer activity. Additionally, pent-up demand from buyers who paused their searches due to high rates or election uncertainty could drive new market momentum. Many of these buyers are waiting on the sidelines, ready to jump back in when conditions improve.
My prediction? 2025 will see more home sales than 2024. I do not foresee it as a boom, but
a higher volume than this past year
Is Now a Good Time to Buy?
A market crash like 2008 is improbable. The current market is underpinned by strong fundamentals: tighter lending standards, significant homeowner equity, and sustained demand. While there are challenges —such as affordability issues due to higher prices and rates — these don’t equate to a crash. Instead, the market is undergoing a correction, with cooling in overly hot areas and a shift toward more balanced conditions.What this looks like now is a home selling process that involves negotiation on both sides, more balance between a buyer and seller market. The market will always have fluctuations and instead of fixating on timing the market, focus on securing a home that fits your needs and budget. For both buyers and sellers, this is a time to work closely with real estate professionals to navigate the evolving landscape.
My prediction? While the market presents challenges, strategic buyers who act now can benefit from reduced competition and position themselves for long-term appreciation and stability.
Final Thoughts
The real estate market is always changing, influenced by everything from the economy to politics and even social trends. While rising rates and limited inventory might feel like obstacles, they also open the door to unique opportunities for savvy buyers and investors. By staying informed and understanding the bigger picture, you can make confident decisions—whether you’re searching for your dream home, exploring investment options, or just keeping an eye on the market. Want to know how current trends could impact your plans? Reach out to us today, and let’s discuss your goals!
The Ultimate Guide to Buying Your First Home: Steps and Tips for First-Time Homebuyers
Buying your first home is an exciting milestone, but it can also feel overwhelming if you’re unsure where to start. Even if you think you’re not ready, proper preparation can help you jump on the right opportunity when it comes. As experienced real estate agents, we’ve had the privilege of helping countless first-time buyers navigate this process. This guide will walk you through what to expect and how to prepare for the journey ahead. Let’s dive into the key steps of buying your first home!
Step 1: Assess Your Financial Situation to Determine Your Homebuying Budget
Before you start dreaming about your ideal home, you need to understand your financial situation. Knowing your credit score, monthly budget, and how much you can realistically afford are essential first steps. Take the time to review your financial standing. This means looking at your savings, debts, and any other expenses that may impact your mortgage eligibility.
A great starting point is to connect with a lender. They can help you figure out how much you can borrow and set realistic expectations before you begin your house search. Pre-approval strengthens your offer later and shows sellers that you’re serious about buying.
Step 2: Get Pre-Approved for a Mortgage to Speed Up the Process
Getting pre-approved for a mortgage is crucial in today’s competitive market. It shows sellers that you are a legitimate buyer and helps you set a concrete budget for your house hunt. The pre-approval process involves submitting financial documents such as tax returns, pay stubs, bank statements, and employment verification.
If you haven’t yet chosen a lender, don’t worry! We work closely with trusted mortgage professionals who specialize in helping first-time buyers. Getting pre-approved also means you’ll know exactly what kind of mortgage you qualify for, giving you confidence as you start your search.
Step 3: Identify Your Needs vs. Wants in a Home
Now comes the fun part—imagining what your new home will look like! But first, you’ll need to distinguish between your “must-haves” and your “nice-to-haves.” For instance, do you need three bedrooms, or could you get by with two? Is a large backyard essential, or could a smaller one work if the house is in the right neighborhood?
Listing your needs and wants helps streamline your search and ensures you don’t get distracted by features that aren’t necessary. This will keep you focused and prevent any future regrets.
Step 4: Start Touring Homes That Fit Your Criteria
House hunting can be one of the most enjoyable parts of the process, but it can also be overwhelming. We can guide you through various neighborhoods and homes that meet your criteria. As exciting as it can be to tour different properties, remember to stay grounded in your budget and priorities.
It’s normal to have to make compromises, but don’t feel pressured into buying a home that doesn’t meet your most important needs. With patience, you’ll find a house that checks off most of the boxes!
Step 5: Make an Offer on Your Dream Home
Found the perfect home? Great! Now it’s time to make an offer. This is where things can get a little nerve-wracking, but don’t worry—we’re here to help you craft a competitive offer based on current market trends and property value.
We’ll negotiate on your behalf, whether it’s the final purchase price, closing costs, or contingencies, to ensure you get the best possible deal. And remember, it’s not just about offering the highest price but also about presenting the most appealing terms to the seller.
Step 6: Conduct a Home Inspection Before You Finalize the Deal
Once your offer is accepted, the next crucial step is the home inspection. A professional home inspector will assess the property to ensure there are no major structural or mechanical issues. The inspection will give you peace of mind and help you avoid any unwanted surprises after closing.
If the inspection uncovers any problems, we’ll help negotiate repairs or price adjustments to address these issues. After this, you’ll be ready to move forward with the closing process.
Step 7: Close the Deal and Get the Keys to Your New Home
The final step is closing, where you’ll finalize your mortgage and sign all the necessary paperwork. Once everything is completed, you’ll receive the keys to your new home.
Congratulations, you’re officially a homeowner!
Final Thoughts: Your Journey to Homeownership
Buying your first home can feel intimidating at times, but with the right preparation and guidance, it’s one of the most rewarding experiences. From setting a budget to closing the deal, each step is essential in making your homeownership dreams come true.
If you’re thinking about taking the plunge or simply want to learn more about the process, feel free to reach out. We’re here to guide you every step of the way, turning your homeownership dreams into reality!
Frequently Asked Questions (FAQs)
1. How much should I save for a down payment on my first home?
Typically, first-time homebuyers should aim for a down payment of at least 5% to 20% of the home’s purchase price. However, some loan programs offer lower down payment options.
2. How does getting pre-approved for a mortgage help?
A mortgage pre-approval helps you understand your borrowing power, sets your budget, and strengthens your offer when bidding on a home.
3. What should I prioritize when house hunting?
Focus on your needs first—such as location, size, and budget. Wants like extra space or luxury finishes can come second to make sure you stay within budget.
4. How long does the home-buying process take?
From start to finish, the home-buying process typically takes 30 to 60 days, depending on factors like loan approval and the local housing market.
5. Is a home inspection necessary?
Yes! A home inspection ensures there are no hidden issues with the property that could cause problems later. It’s a crucial step before finalizing any purchase.
37 Things You Didn’t Know About Buying A House In Roswell, GA
There are several reasons why someone might want to buy a house in Roswell, GA. Firstly, Roswell is a growing city with a strong real estate market, making it a smart investment for those looking to purchase property. The city’s population has been steadily increasing in recent years, indicating a strong demand for housing. Additionally, Roswell has a diverse range of neighborhoods, each with its own unique character and charm, providing a range of options for prospective buyers. Whether you’re looking for a historic home in the heart of downtown or a newer build in a suburban development, here’s a list of 50 things you might not know about buying a house in Roswell.
1. The average home price in Roswell is $502,000, according to Redfin.
2. Roswell has a total area of 42.0 square miles.
3.. Roswell is located 22 miles north of Atlanta.
4. Roswell has a population of approximately 94,000 people.
5. As of April 2023, the median home price in Roswell, Georgia is approximately $490,000.
6. The city of Roswell is known for its historic downtown district, which features a variety of shops, restaurants, and entertainment options.
7. The Roswell Farmers and Artisans Market is a popular local attraction that takes place every Saturday from April through October.
8. Roswell has been recognized as one of the best places to live in Georgia, and was named one of the top 100 places to live in the US by Money magazine in 2019.
9. The city has a highly rated school system, with several elementary, middle, and high schools serving the area.
10. Due to its proximity to Atlanta, Roswell residents have access to a wide range of employment opportunities.
11. The Chattahoochee River National Recreation Area is located in Roswell.
12. Roswell was founded in 1839 and is the eighth largest city in Georgia.
13. The average commute time in Roswell is 29.2 minutes.
14. The Roswell Farmers and Artisans Market is held every Saturday from April to October.
15. The Roswell Roots Festival is held every February to celebrate Black history.
16. The Roswell Arts Festival is held every September.
17. The Roswell Memorial Day Ceremony is held every year to honor veterans.
18. The Roswell Cultural Arts Center hosts concerts, plays, and other events throughout the year.
19. The Roswell Park System includes 18 parks and facilities.
20. The Roswell Area Park includes a swimming pool, tennis courts, and a dog park, walking trails and multiple sports fields.
21. The Vickery Creek Trail is a popular hiking trail in Roswell.
22. The Big Creek Greenway is a popular trail for biking, walking, and running.
23. The Chattahoochee River provides opportunities for fishing, boating, and kayaking.
24. Roswell is home to several golf courses, including the Country Club of Roswell and Brookfield Golf Club.
25. The Roswell Ghost Tour takes visitors on a spooky journey through the city’s haunted sites.
26. The Roswell Beer Festival is held every March.
27. The Roswell Wine Festival is held every October.
28. The Roswell Restaurant Week is held every January.
29. The Roswell Farmers Market is open every Saturday from April to October.
30. The median home price in Roswell range from around $200,000 to over $2 million.
31. The most popular style of homes in Roswell are single-family homes, but there are also townhomes, condos, and luxury properties available.
32. Roswell is home to several historic homes and landmarks, including the Archibald Smith Plantation Home, which dates back to the 1830s.
33. The city has a strong economy, with several large employers in the area, including Kimberly-Clark and UPS.
34. The city has a well-developed infrastructure, including excellent transportation options and high-speed internet access.
35. Homeowners in Roswell are required to pay an annual stormwater fee to help maintain the city’s drainage system.
36. The cost of utilities in Roswell is relatively low compared to other cities in the Atlanta area.
37. Roswell has a diverse dining scene and over 100 restaurnats, with options ranging from casual cafes to upscale restaurants. The city is known for its Southern-style cuisine, but there are also international options available.
Roswell a great place to put down roots and build a life. If you’d like a tour of all that Roswell has to offer, please reach out to us!
Agent Spotlight Interview – Kanani Briggs
In this engaging video, join host Joanne Curtin as she sits down with Curtin Team Agent Partner, Kanani Briggs for an inspiring and heartfelt conversation. You’ll learn about Kanani’s unwavering commitment to fostering community connections and how it has become an integral part of her personal and professional life.
Kanani Briggs is not your typical real estate agent; she is a force of nature when it comes to building bridges within her community. With a warm and inviting personality, she has earned the trust and admiration of countless individuals, both clients and neighbors alike.
But it’s not just about business for Kanani Briggs. Throughout this conversation, you’ll witness her genuine love for people and the places they call home. She discusses her involvement in various community initiatives and how giving back has become a cornerstone of her life. Kanani’s passion for community connection goes beyond transactions; it’s about building lasting relationships and nurturing the spirit of togetherness.
In addition to her dedication to community, Kanani’s remarkable journey in real estate is highlighted by her exceptional achievements. She proudly received the “Rookie of the Year” award in her very first year in the industry, a testament to her dedication and hard work.
Aspiring and seasoned agents alike, take note: Kanani Briggs has invaluable advice for you. She emphasizes the importance of seeking out mentorship or joining a successful team. Her guidance is a beacon for those looking to thrive in the real estate world.
So, whether you’re a homeowner, aspiring to be one, or simply someone who values community bonds, this interview with Kanani Briggs is a must-watch. Join us as we explore the world of real estate through the lens of someone who believes that building strong communities is the key to a better future. Don’t miss this opportunity to be inspired and learn how you can make a positive impact on the place you call home, just like Kanani does every day.
Don’t forget to like, comment, and subscribe to the Curtin Team channel to stay updated on more enriching content like this!
Joanne Curtin Interviews Curtin Team Agent Partner, Kanani Briggs
WATCH THE FULL EPISODE HERE
https://youtu.be/PYNUfmLAhPk
Agent Spotlight Interview – Christy Smith
Joanne Curtin sits down with the dynamic Christy Smith, Director of Sales. Christy shares her unique perspective on market trends, work/life balance, and the importance of building strong client relationships. Whether you’re a buyer, seller, agent, or simply interested in the world of real estate, this interview promises to provide you with keen insights and a deeper understanding of the sales process.
Enjoy this insightful conversation where Joanne and Christy discuss all things related to real estate sales, strategies for success, and the ever-evolving landscape of the industry. With Christy’s extensive experience and leadership in sales, you’re in for a wealth of valuable tips and advice that can help both seasoned professionals and newcomers navigate the real estate world.
Christy shares her unique perspective on market trends, work/life balance, and the importance of building strong client relationships. Whether you’re a buyer, seller, agent, or simply interested in the world of real estate, this interview promises to provide you with keen insights and a deeper understanding of the sales process.
Throughout the interview, you’ll discover how Curtin Team’s approach to real estate has contributed to their outstanding reputation and success in the field.
So, whether you’re looking to enhance your sales skills, gain insights into the real estate industry, or simply enjoy a captivating conversation, make sure to hit that play button and join us for this enlightening interview with Christy Smith. Don’t forget to like, comment, and subscribe to the Curtin Team channel to stay updated on more enriching content like this!
Joanne Curtin Interviews Curtin Team Director of Sales, Christy Smith
WATCH THE FULL EPISODE HERE
