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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!

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.

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!

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

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

Join your host, Joanne Curtin, as she takes you on an exclusive tour of new construction homes and townhomes in Barrington Place, Ecco Park, and Millstone Park. Can you guess the price?

WATCH THE HOME TOURS HERE

House #1- Barrington Place home, built by Brightwater Homes, is in historic Roswell near The Mill Kitchen and Bar and is a net zero home (Net zero means the home generates the renewable power to match the needs of the home). Did you know that Roswell is a certified Green Community – platinum level?

Townhome #2 – Ecco Park is located in Alpharetta 30022. This townhome community is being developed and built by The Providence Group.

Townhome #3 – Millstone Park townhomes are located near Deerfield Parkway, Alpharetta. These three story townhomes are conveniently located near Exit 11 (GA-400) and close to shopping and restaurants.

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The Curtin Team’s CEO, Tom Curtin and Director of Sales, Christy Smith explain the benefits for first time home buyers in today’s market. One of the biggest advantages of buying a home today is the stability and equity you get. Waiting a year or two can cost you tens of thousands of dollars in equity loss. And as rental rates continue to rise, a fixed rate mortgage payment stays the same. Also, many sellers and lenders are now offering to pay closing costs and buy downs on rates. Large down payments often scare off first time homebuyers, but some loans require as little as 3.5% down. As an example, the down payment on a $400,000 house can be as low as $14,000. And there are many ways to get that down payment including finding places in your budget to cut back and save, loans from family, or loans against a 401K to cover some or all it. The news of interest rate hikes shouldn’t scare off potential home buyers either. If rates go down, refinancing is available and if rates go up, you’ll be glad you locked in a lower rate.

On a successful real estate team, everyone has a specialized role that aligns with their skills. Agents are talented at contract negotiations and pricing. Administrative teams are talented at paperwork, details, and organization. Marketing specialists are talented at getting houses as much organic exposure as possible. Essentially, every team member provides value to the business by serving clients and always looking to help their teammates when possible. Over the years, many of the Curtin Team’s clients have expressed that they enjoy having a contact available to answer their questions, which is exactly what our team is available to do. Unlike solo agents who might be constantly busy and out in the field showing homes, our staff is in the office and able to help our clients with anything they need throughout the buying or selling process.

Working with a team means you get combined experience, which leads to smoother deals and less headaches. As a team, we invest in the best systems, tools, technology, knowledge, and talent available. We feel the scope of today’s real estate transaction goes beyond one person and that an agent acting on their own can’t possibly provide the level of service needed to get the job done well. This is why clients prefer team interactions, and previously solo agents are so glad they’ve found the right group once they’ve made the switch. An individual real estate agent won’t have the time, cumulative knowledge, or assets required to invest in the best tools and execute the marketing strategies required to give homes maximum exposure and quick selling times, but well-established groups can provide all of these and more.

As an agent working on a team, there’s greater fulfillment developing your inherent skills and being able to trust teammates to work behind the scenes for your clients. Many studies have linked employee happiness with customer satisfaction. A company’s ability to deliver a greater customer experience relies on hardworking team members who always look out for each other. When an agent works on a team, they enjoy a more balanced life. The work is divided and the responsibilities are shared. They can lean into their team for help when things don’t go their way, and they have a support system that brings the peace of mind that is so difficult to find when working alone. And most especially, their clients are happier. The stability, camaraderie, and effectiveness of real estate teams like the Curtin Team make everyone’s lives easier – both our clients and our agents included.

Curtin Team partners with TBK Wellness Spa for a Mother’s Day Giveaway. TBK Wellness Spa is located at 408 Atlanta Street Suite 170 Roswell, GA 30075. Unlike national chains, TBK caters to the unique needs of each client. They take the utmost care to go above and beyond. Their philosophy is “our job is to take care of you, so that you can take care of others”.

In that spirit, Curtin Team is hosting a Giveaway for Mother’s Day, since mothers are the best care givers we know. Entry for the giveaway is simple – a like and tag on Instagram or Facebook.

Highlighting local businesses, like TBK Wellness Spa, is a priority for the Curtin Team. Curtin Team members don’t just work in the Roswell area, but live here too.

Mortgage rates rose today, but rates overall are at historical lows. The average rate on a 30-year fixed mortgage is 4.47%, according to Bankrate.com, and the average rate on a 15-year mortgage is 3.64%. On a 30-year jumbo mortgage, the average rate is 4.48%, and the average rate on a 5/1 ARM is 2.96%. These rates are just averages and subject to change daily. For current rates contact your preferred lender.

During the pandemic we had historically low rates. The factors that most affect the rate increases today are inflation and economic growth. But rates can change for various reasons. Overall though, rates are expected to continue to go up this year.

Does this mean you should cancel your home buying plans? Absolutely not! Even though rates are higher than in 2021 they are still very low. 30-year fixed rates were in the high 5%’s just a few years ago.

Buying a home isn’t just about interest rates though, it’s also about making a lifestyle choice. It’s best to find right house for you when the time is right for you. Home values have historically risen and now is a good time to get in to your dream home.