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Buying a 55+ Home in San Diego County: What to Know Before You SignBuying into a 55+ community in San Diego County involves much more than picking a floor plan. From understanding HOA governing…
Why Work with Brad Mattonen for San Diego Real Estate ExpertiseNavigating San Diego’s dynamic real estate market requires more than traditional listing tactics—it takes strategic digital…Make Big Real Estate Decisions Without Regret in San Diego, and Southern CaliforniaMaking a big real estate decision is often more emotional than financial. This guide breaks down how to reduce regret, avoid…
Hidden Meadows Market UpdateCurious about Hidden Meadows real estate trends? Get the full 2026 market update on home prices, inventory levels, and North…
Can You Afford to Buy a Home in San Diego in 2026? Real Costs & Smart StrategyCan you afford to buy a home in San Diego in 2026? Here’s what it really costs, what income you may need, and how to buy smart…
Seniors Can Save $1.5K on GroceriesSeniors across the U.S. are finding new ways to reduce grocery costs, with many saving up to $1,500 or more per year through…
Zone Zero & Insurance Enforcement: What Every San Diego County Homeowner Must Prepare ForWildfire rules are changing across San Diego County, and insurance companies are enforcing Zone Zero and 100‑foot…
California Home Sales, Prices Drop in Early 2026Is the San Diego housing market finally cooling? Early 2026 data shows a measurable pullback in home sales and a softening of…
San Diego County Market UpdateIs the San Diego housing market shifting in 2026? Join Brad and Karen Mattonen for a deep dive into the latest County-wide data.…
Unlock the Power of Your Home Equity: How Boomers Are Cashing In and Why You Can TooThis article is designed to attract homeowners — especially those over 50 — who have built up significant equity and are…
If you’re looking for a real estate agent in San Diego county and surrounding areas look no further“Looking for more than just a real estate agent? Meet Brad and Karen Mattonen. We believe in relentless advocacy, straight talk,…
Is California Finally a Buyer’s Market?“The question on every San Diego homebuyer’s mind: Is the power finally shifting away from sellers? Join Brad and Karen Mattonen…
Downsizing? Why Modern Manufactured Homes Are a Smart ChoiceThink downsizing in California means a cramped condo or high “space rent”? Think again. Explore the financial freedom of…
Factors Influencing Mortgage Rates: Understanding the 2026 MarketMortgage rates are influenced by more than just the Fed. Discover how inflation, economic growth, and your personal financial…
Early 2026 Signals for California’s Housing Rebound | Brad & Karen MattonenAs we enter early 2026, California’s housing market is flashing signs of a much-anticipated rebound. With stabilizing interest…
Smart Moves for Buying a SoCal Home in 2026Is 2026 the year you buy in Southern California? Brad and Karen Mattonen break down the 8 essential strategies for buyers,…
2026 Housing Market Trends for Buyers and Sellers: What You Need to Know2026 is a pivotal year for real estate. Discover the essential market trends for buyers and sellers, including inventory growth,…
Inflation Down: Will Mortgages Chill Too?As inflation numbers cool, we analyze if mortgage rates will finally “chill” in 2026. Discover the connection between CPI data,…Will U.S. Real Estate Thaw Continue?The U.S. real estate thaw is underway—but will it continue into 2026? With easing inflation, stabilizing mortgage rates, and more…
Real Estate Revitalization Opportunities: How Abandoned Cities Are Becoming Prime Markets for Home Buyers, Sellers, and InvestorsAcross the U.S., abandoned and overlooked cities are entering a new phase of revitalization—creating fresh opportunities for…
Mortgage Rates Drop: Homes Still Climbing?Uncover the paradox of dropping mortgage rates amid climbing home prices in San Diego: Insights from experts Brad & Karen…
Not a Surge, but a Shift: Western Housing Sets Up for 2026 RecoveryThe Western housing market isn’t experiencing a surge—but it is undergoing a meaningful shift. With moderating prices, easing…
Niche Real Estate Opportunities for Buyers and Sellers: How Life Transitions Are Shaping Today’s MarketLife doesn’t wait for the market — and that’s exactly where today’s real estate opportunities are emerging. From downsizing to…
Will Homebuying Become More Affordable in 2026?Many buyers are waiting for prices or rates to drop, but affordability depends on more than market headlines. Here’s what buyers…
Could New Homes Save You Thousands in 2026?New construction homes may offer incentives in 2026 that reduce total buyer costs, even when prices appear higher upfront.…
Lazerson’s 2026 mortgage and housing predictionsExplore expert predictions for mortgage rates and the housing market in 2026 with insights from Lazerson. Understand how interest…Is 3% Home Buying Power the 2026 Turning Point?Explore the potential turning point of 3% home buying power in 2026. Learn how this impacts mortgage rates, home affordability,…Why California Is a Top Metro for Real Estate InvestorsCalifornia continues to be one of the most attractive metros for real estate investors. In this video, we break down:…Mortgage Rates Forecast 2026: What San Diego Buyers Must Know NowWith 2025 rates ~6.2-6.3%, 2026 forecasts point to slight drops (~6.0-6.3%). Discover expert predictions, lock strategies, and…
Ways to Lower Your Mortgage Payments: Practical Options for HomeownersLearn practical strategies to lower your mortgage payments, including refinancing, loan modifications, forbearance options, and…
2026 Real Estate Market Reality — Why This Balanced Market Means Opportunity for Buyers, Sellers & InvestorsThe 2026 San Diego real estate market is normalizing into balance: No crash in sight, with rising inventory, steady appreciation,…
Should You Buy a Home in 2026? Key Market Signals San Diego Buyers Must Watch Right NowIs 2026 a good time to buy a home? Discover key factors influencing the San Diego housing market, including pricing trends,…
San Diego Housing Market Forecast for 2026: Opportunities for Buyers in a Shifting LandscapeAs 2025 ends with mortgage rates around 6% and median prices near $1M-$1.05M, San Diego’s 2026 housing market forecast points to…
California Housing Market Rebounds With Explosive Growth in 40+ CountiesCalifornia home sales surged in September 2025, with 40 of 53 counties recording annual growth and several regions seeing major…
Selling Your Home: How Higher Capital Gains Can Save You ThousandsMost homeowners assume higher capital gains mean higher taxes—but in many cases, larger gains can actually help you keep more…California: Gradual Recovery Amid Tight SupplyAs California’s housing supply creeps up and sales stay soft, the balance between buyers and sellers is shifting. Watch to see…Why California’s Housing Market Expected to Surge This Q4Understand why California’s housing market could heat up this Q4. From improving inventory and lower rates to strong demand and…
CAR Forecasts Mild Price Growth and Sales Rebound for 2026Discover the California Association of Realtors (C.A.R.) forecast: mild home price growth and sales rebound in 2026. As San Diego…Will the Housing Market Rebound? Predictions for 2025 and 2026Will the Housing Market Rebound? Predictions for 2025 and 2026 California: Positive Outlook for 2025 Is the housing market…
How to Use a HELOC to Pay Off Your MortgageDiscover how to use a HELOC to pay off your mortgage faster. This video explains the chunking strategy, interest savings, and key…5 Reasons Enticing Me to Buy a Home Before 2025 EndsIs now the right time to buy a home? In this video, we share five compelling reasons why buying before 2025 ends could be your…Is Housing Finally at a Turning Point?After years of volatility, is the housing market finally shifting? In this video, we explore the signs of a potential turning…
Your Advocates in San Diego Real Estate: Guiding You Through Every Step with Care and ExpertiseReal estate isn’t just about transactions—it’s about trust. In this video, meet your San Diego advocates who guide you through…
2025 Sale Secrets: Best & Worst TimesTiming can make or break your home sale in 2025. Learn the best and worst months to sell so you can maximize profit and avoid…How Can Advisors Optimize Your Tax Planning?Smart tax planning isn’t just about saving money — it’s about having the right advisors who know how to make every dollar work…Multifamily Housing Starts Surge 21% in Q2 2025Multifamily housing is booming! Discover why starts surged 21% in Q2 2025 and what it means for buyers, investors, and the San…
California State Market UpdateWondering what’s happening in the California real estate market? Get the latest updates, trends, and insights to make smarter…
The Complete Financial Ecosystem: Integrating Home Ownership into Your Family’s Wealth PlanYour home can do more than provide shelter—it can be a powerful tool in your family’s wealth plan. Learn how to integrate home…
Guide for First-Time HomebuyersFirst-Time Homebuyer Guide: Smart Steps for a Confident Purchase Ready to buy your first home but not sure where to…
Buying a House really Wasn’t Easier Back Then: San Diego’s Affordability DecodedThis article breaks down the real math behind homeownership, comparing income-to-price ratios across decades to expose the truth:…
If you’re looking for a real estate agent in San Diego county and surrounding areas look no furtherIf you’re looking for a real estate agent in San Diego County and surrounding areas — look no further. At…
Sellers, beware! Market Balance on the HorizonMarket balance is coming—are you ready to sell? Karen and Brad Mattonen explain the real estate shifts every seller should know,…Your Path to Owning a 3-Bed Home in California | Smart 2025 Buying Guide – videoOwning a 3-bedroom home in California may seem out of reach, but it doesn’t have to be. In today’s volatile…
California’s 2025 Foreclosure Law Overhaul: What AB 2424 & AB 130 Mean for HomeownersIn a major shift toward homeowner protection, California enacted two powerful laws in 2025: Assembly Bill 2424 (AB 2424) and…
Karen is superb at understanding not only what you want, but what you need. Talk to her and let her.Another real client, another real win. In this referral, our client shares how Karen didn’t just check boxes—she truly understood…
The Hidden Costs of Moving: Why Leaving California for “Cheaper” States May Not Save You MoneyThe Grass Isn’t Always Greener: Why California May Still Be the Smarter Long-Term Financial Choice For years, Americans have…
Smart Moves in a Shaky Market: How to Navigate Today’s Real Estate Risks Without Getting BurnedLet’s skip the drama. Let’s deal in reality. Prices are rising, yes—but that’s not the real story. The bigger shift?…
Off-Market Goldmines: Where Smart Investors Are Looking While Everyone Else is DistractedWe’re in a market saturated with déjà vu. Adjustable-rate loans are being marketed as “flexible financing.” Agents are parroting…
Cities with the fastest-growing home prices in the San Diego metro areaDiscover which cities in the San Diego metro area are seeing the fastest-growing home prices in 2025. From coastal communities…
San Diego earthquake sparks interest in home insurance coverageA recent earthquake in San Diego has homeowners reevaluating their insurance coverage. With seismic activity posing a real…Buying Homes Costs Less Than Renting in 2025Think renting is your only affordable option in 2025? Think again. In many parts of the U.S., including San Diego…
Property tax exemptions San Diego residents may qualify forAre you a San Diego homeowner looking to reduce your property taxes? You may qualify for one or more property…
How Stable Is California’s Housing Market?Curious about where California’s housing market stands right now? With constant headlines about interest rates, inflation, and…
Is SoCal’s Housing Market Shifting?Is Southern California’s housing market undergoing a transformation? In this post, we dive into the latest trends, including…
April Is the Best Time to Sell Your HomeSpring is here, and with it comes the perfect opportunity to list your home! In this video, Brad & Karen…Is Now a Good Time to Buy a Home? What Experts Are SayingIf you’re thinking about buying a home right now, you’re likely asking yourself, Is now the right time? With mortgage…Millennial and Gen Z Home Trends: What’s Driving Their Real Estate ChoicesMillennial and Gen Z Home Trends: What’s Driving Their Real Estate Choices Millennials and Gen Z are reshaping the real…
Check if Your Home Is in a Fire Hazard AreaCheck if Your Home Is in a Fire Hazard Area – What You Need to Know! 🔥🏡 Is your home…
SoCal in 2025: What Buyers and Sellers Can ExpectThe Southern California real estate market is shifting in 2025. With changing interest rates, evolving buyer preferences, and…
Mortgage Calculator: Buying a Home in CaliforniaThinking about buying a home in California? Use a mortgage calculator to better understand your potential monthly payments,…
Does Your Homeowner’s Insurance Protect Your Trust? The Answer May Surprise You!Homeowner’s insurance doesn’t automatically cover properties held in a trust. If your home is in a trust, this is crucial…
2025 Compliance Resources for California LandlordsAs a California landlord, staying informed about the latest compliance requirements is crucial for effective property management.…
HUD Announces Permanent Mortgage Relief Options for HomeownersEffective Solutions for FHA Loan Borrowers to Stay in Their Homes The U.S. Department of Housing and Urban Development (HUD)…
Homeowners Over 55 – Don’t Leave Money On The Table When Selling Your California HomeIf you’re a California homeowner 55 or older, you don’t have to leave money on the table when selling your home. With Proposition…
Navigating Insurance and Recovery After Wildfire LossesA comprehensive Guidance for Homeowners to Rebuild and Recover California law provides critical protections and resources for…
Mandatory One-Year Moratorium on Insurance Non-RenewalsHow California’s SB 824 Protects Homeowners After Wildfires In the aftermath of devastating wildfires, homeowners face numerous…
Housing Market Outlook: What Buyers and Sellers Need to KnowFannie Mae (the Federal National Mortgage Association or FNMA) just released its forecast for rates and housing sales through…
Why Adding a Family Member or Child to Title Is a Bad Idea (and What to Do Instead)The Perils of Adding Family to Your Deed: A Comprehensive Guide Adding a family member or child to the title…2024 Year-End Real Estate Market Update: What Buyers and Sellers Need to Know for 2025As 2024 comes to a close, the real estate market in San Diego and beyond is showing signs of change….
Average Home Prices on the Decline in San Diego County as of September 2024The real estate market in San Diego County is seeing a shift, with average home prices on the decline as…
Opinion: How San Diego Residents Can Achieve the Dream of HomeownershipThe Hidden Path to Homeownership in San Diego: Why It’s More Attainable Than You Think – Beyond the Headlines: Your…
San Diego’s Lot-Splitting Law Boosts ConstructionSan Diego’s Lot-Splitting Law: A Game-Changer for Construction and Real Estate Development Discover how San Diego’s new…
California Real Estate Forecast for 2025The California real estate market is poised for growth in 2025, with forecasts predicting an increase in home sales and…
Equity-Rich Homes Remain Above Historic Levels, But Gains Are SlowingIn the current housing market, the number of equity-rich homes—properties with significant equity—remains above historic levels.…
The 25 Most Expensive ZIP Codes In San DiegoSan Diego’s coastal lifestyle comes with a premium price tag, and in this video, we’re revealing the 25 most expensive…
Realtors: Experts in Emotional Support, Financial Transactions, and NegotiationRealtors: The Unsung Heroes of High-Stakes Transactions When people think about professionals who manage huge financial…
Navigating Buyer Commission Concerns: We’ve Got Your Back and Are Here to Negotiate on your behalfUnlock Your Dream Home with Expert Guidance and No Hidden Costs Dear Valued Clients, We understand that recent discussions about…
How to Handle Multiple Heirs When Selling an Inherited PropertyNavigating Complex Family Dynamics in Estate Sales with Expert Guidance Inheriting a property can be both a blessing and a…
How to Get a Quick Cash Offer for Your Home During DivorceStreamlining Your Property Sale in Challenging Times Divorce is often a challenging time, both emotionally and financially. One…Don’t Let Your Home Become a Burden: 5 Fast Solutions for Homeowners Facing Financial Challenges (We Can Help!)Need to Sell Your Home Fast? Explore Fast Home Selling Solutions in San Diego with Expert Guidance from HomesInSDCounty The…San Diego’s Housing Surge: Equity up 50% in 5 Years – videoIn this exciting video, we dive into San Diego’s remarkable housing market surge, where home equity has skyrocketed by an…
Property Tax Postponement: A Lifeline for Eligible Homeowners for Years 24-25 TimelineWith the rising cost of living in California and the lingering effects of the pandemic, many homeowners find it increasingly…California Offers Property Tax Assistance to Eligible SeniorsNeed assistance with your residential property taxes? The State Controller’s Property Tax Postponement Program may be able to…
Sell Your Home Fast with ICash+ | Innovative Home Selling SolutionsMultiple CASH OFFERS, even at full market value 🧐 SAY WHAT?… You’re giving me a cash offer that pays me…
Ready to see what $700,000 can get you in different corners of the country? VIDEOExploring $700,000 Homes: A Cross-Country Real Estate Tour Embark on a captivating visual journey with us as we explore what…Second Home Success: Key ConsiderationsBuying a second home sounds exciting—but if you’re not strategic, it can become a financial trap. In this video, we…
San Diego’s median home price reaches record highIn San Diego’s real estate market, sellers have reason to celebrate as the median home price reaches an all-time high….
Unlocking Your IRA for a Home Purchase: A Comprehensive GuideEverything You Need to Know About Using Your IRA to Buy a House Individual Retirement Accounts (IRAs) are designed as…
Insurance woes impacting San Diego real estate marketIn San Diego’s real estate market, insurance challenges are making waves, causing ripple effects across the industry. Join us as…
Factors that Affect the Sale of a HouseHomes sales went up .8% this month which doesn’t sound like a big number but it is a good thing….
Homes Prices Rise In San Diego CountyIn San Diego, the real estate market is sizzling! 🏡🔥 According to the S&P/Case-Shiller Home Price Index for December 2023, San…Poway: Rising Home Values in San DiegoDiscover the allure of Poway, where home values are soaring amidst the vibrant San Diego real estate market. In this…San Diego’s Late – Q1 Rental TrendsExplore San Diego’s Q1 Rental Trends: A Closer Look at the Market Dynamics Dive into the latest rental trends in…Encinitas, CA: Coastal Living With Soaring Investment PotentialWelcome to Encinitas, California, where coastal charm meets exceptional investment opportunities. Nestled along the stunning…
The NAR 2024 Settlement: A Double-Edged Sword for Buyers and Sellers in the Real Estate MarketUnveiling the Impact: A Comprehensive Analysis of Real Estate Dynamics The real estate landscape is undergoing significant…Seizing the Moment: Why San Diego’s 4th Strongest Real Estate Market Spells OpportunityUnlocking the Potential: Why Now is the Perfect Time to Invest in San Diego Real Estate In the ever-evolving landscape…Tax Time Perks for San Diego County Homeowners: Maximize Your Savings!Slash Your Tax Bill: Expert Tips for Homeowners in Paradise Being a homeowner in San Diego County is a dream…Dave Ramsey’s Expert Advice: Why Now is the Perfect Time to Buy a House Despite Rising Interest RatesMany potential homebuyers are cautiously observing market trends and interest rates, waiting for the opportune moment to make…
buying a home after 60🏠 Discover Your Dream Home After 60: A Guide to Late-Life Homebuying Thinking about buying a home after age 60?…
Homebuying Myths Debunked: Why Now Can Still Be a Good Time to BuyThe housing market has seen monumental changes over the past few years. Home prices have skyrocketed, inventory has plummeted,…
Real Estate Investing for Retirees: Self-Directed IRAs & REITsAs retirees seek to maximize their retirement savings and secure a stable income during their golden years, real estate…
How To Retire Early by Investing in Real EstateAre you dreaming of an early retirement? Want to escape the 9-to-5 grind and enjoy financial freedom? In this informative…Moving Closer to a Senior Loved One: When It’s Time and What to DoBecoming the caregiver for a senior loved one can be an extremely rewarding but difficult job. In fact, JAMA studies…
2023 Moving Trends: Survey Reveals 75% of Americans Express Regrets About Their MovesA new report from Clever reveals that the majority of Americans have regrets about their moves in 2022. The report…
Navigating California’s Fire Insurance Challenges: Selling, Downsizing, Rightsizing, and the Role of the California FAIR PlanAs wildfires continue to pose a threat to California homeowners, navigating fire insurance challenges has become increasingly…
The Best Time to Buy a Home in San DiegoAre you thinking about buying a home in San Diego? If so, you’re probably wondering when the best time to…
Unlocking the Key to Reaching the Perfect Buyer for Your Starter HomeTo prepare your home for sale, it’s always important to consider the type of buyer who will be most likely…
Selling a Luxury Home in San Diego County: Understanding the Current Real Estate Market TrendsSan Diego County is one of the most desirable places to live in Southern California, with its beautiful beaches, excellent…
2023 Home Buying Tactics: Get Your Dream Home with These Strategies – videoThis video provides valuable tactics and strategies that can help homebuyers achieve their dream of owning a home in 2023….
Why Home Prices Remain Resilient Despite a Cooling Real Estate Market – videoThis video discusses why home prices are unlikely to drop despite the current cooling real estate market. It explores the…
When Home Values Go Up, Take Advantage Of Your Home Equity videoAs home values continue to rise across the country, homeowners are sitting on a valuable asset that they may not…
Top IRS Audit Red Flags and Tax Deductions You’re Probably OverlookingI had a client email me the other day trying to figure out how to minimize their tax obligation…or “involuntary…
Retiring in Oceanside: Your Guide to Coastal California Retirement BlissRetiring in Oceanside: Why This Coastal California City Should be at the Top of Your Retirement List If you’re planning…Finding Your Dream Home in San Diego’s 55+ Communities with Low Monthly HOA FeesAs you begin your search for a retirement home in a 55+ community in San Diego County, you may be…
Real Estate Investment trusts – REITS. What are they? are they a good idea? videoReal estate investment trusts, or REITs, are companies that own and manage real estate properties such as shopping centers,…
Selling Your Luxury Home in San Diego County: A Comprehensive GuideTips and Strategies for Selling Your High-End Property in San Diego’s Thriving Luxury Real Estate Market San Diego County is…
Title: Tips for Buying and Selling a Home Simultaneously – A Comprehensive GuideIf you’re looking to both buy and sell a home simultaneously, it can be a daunting and stressful task. However,…
5 Reasons Why Real Estate Is Considered A Good Long Term InvestmentInvesting in real estate can be a lucrative and rewarding long-term strategy for building wealth and financial security. Real…
Understanding Proposition 19: Changes to Property Tax Law in CaliforniaProp 19 in California: What You Need to Know Prop 19 allows eligible homeowners in California to transfer the taxable…
HomesinSDCounty was Ranked in the Top Real Estate Blogs in San Diego County -4Years RunningWe’re proud to share that Homesinsdcounty.com has been recognized by Feedspot as one of the Top 10 San Diego Real…
What to Do with Your Home When You Downsize: Tips for SeniorsDownsizing is a great way to simplify your life in your senior years. After moving into a smaller home, you’ll…
Preparing Your Home for Natural Disasters: Essential Tips and ResourcesNatural disasters can strike at any time, leaving homeowners vulnerable and unprepared. But with the right preparation and…
Protect Yourself – Your Source for Fighting and Reporting Real Estate, and Title Fraud in San Diego CountyThe San Diego County District Attorney’s Office is dedicated to the investigation and prosecution of real estate related crimes.…Aging in Place may not often be the Best Idea! Maybe it’s time to Consider Right-SizingI love my home. But, when it comes time for me to bring in the shingle and I contemplate what…
Positive Equity Gains are being made by Homeowners in the past 12 MonthsPinterest If you’re a homeowner, your net worth got a big boost over the past few years thanks to rapidly…
3 REI Acquisition Financing StrategiesWith prices falling all over the country, due to higher interest rates, the current recession and COVID overhang, Real Estate…
Did You know you can invest in Real Estate Using your IRA? Yes, you Can, using a Self-Directed IRAEver wish you could invest in real estate tax-free through your retirement accounts? You can. And it’s not that hard,…
Are You Planning to Retire or Downsize / Rightsize? Now May Be The Time To Consider Making a Move.If you’re thinking about retirement or have already retired this year, or considering Downsizing or Rightsizing, you may be…
REALTOR vs Agent should I care? What’s the difference? VideoWell let’s start with What is a REALTOR®? All real estate licensees are not the same. Only real estate licensees…
Avoid Being a Victim Of Elder Fraud Abuse By Following these TipsOne of our clients recently informed us that his 81-year-old father, who we’ll call “Anthony” (not his real name), had…
Your Home’s Title Is “Tax Ugly!” What You Need To Know & Do To Title Your Community Property Home For Tax Efficiency –During our proprietary “Critical Actions Roadmap™ – Discovery Meeting” with new clients, I raised the question about how their…Before Exploring Renting your Home some Financial aspects you may want to considerSometimes it makes financial sense to hang on to your old home when you buy another. Of course, you’ll want…
Less Taxes and More Income for the Greater GoodIn 2019, we were hired by a lovely couple to advise them on the investment of assets and updating of…
HAS 2022 GOT YOU THINKING IT’S TIME FOR A CHANGE?A lot has changed in only a few months’ time, and this has had renters as well as homeowners reconsidering…
The Middle Class Tax RefundI’m sure you’ve heard about the Middle Class Tax refund, which has also been called ‘Inflation Relief’, and are wondering…
Understanding the ins and outs of Wills, Estate, Trusts and ProbateLosing a loved one is always a very sad and difficult time for their close family members, relatives, and friends….Rising interest rates and how they impact the home saleIt’s May and the Fed recently held their latest pow-wow. When they met in March, they raised “… the federal…Free downloads
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