Washington, DC has the highest share of mortgaged homeowners at 73.6%, meaning most residents rely on financing to purchase homes.
Falling mortgage rates in the low-6% range could unlock more options and boost buyer activity in this market.
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Buffalo Stable Market Favors Mortgage Holders
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Washington Fall: Homes Selling Fast Despite Steady Prices
Slide 1:
Washington, D.C. homes keep selling fast, with demand slightly outpacing supply this fall.Slide 2:
As of Mid-Fall, 99 single-family homes sold, showing stable pace compared with early-year activity.Slide 3:
Median list price sits at $825K, homes spend only 35 days on market.Slide 4:
New listings hit 74, with only 28% dropping prices—pricing remains firm but fair.Slide 5:
Rental demand stays strong, 562 units listed at median $3,025, appealing to professionals. -

Can Lower Rates Unlock DC Homes?
Washington, DC has 73.6% of households with mortgages.
Nearly three-quarters of homes here could see faster demand as rates decline. -

Mortgage Shifts Could Reshape D.C. Housing
Washington, D.C. has one of the highest mortgage-reliant housing markets nationally.
Lower mortgage rates are likely to unlock strong Real Estate movement locally.
Younger homeowners contribute heavily to the metro’s sensitivity to financial shifts.
Buyers may face faster competition as affordability improves through lower borrowing costs.
Sellers in D.C. could benefit from stronger demand and quicker sales cycles.
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Honoring the Significance of Indigenous Day
Indigenous Peoples’ Day celebrates, recognizes, and honors the beautiful traditions and cultures of the Indigenous People
We take a stand for and support the indigenous people on this day.
We should also offer our support to those who invest and uplift the indigenous communities. -

Time to Sell? Key Market Signals
Outgrowing or underusing your space signals it might be time to sell and move on.
A strong seller’s market boosts sale price, speed, and overall success of your listing. -
What Metros Will Benefit From Declining Mortgage Rates?
Metros with younger, more mobile populations like Washington, D.C., Denver, and Virginia Beach have the highest share of mortgaged households (over 70%), making them likely to see increased buyer demand as mortgage rates approach 6%. In contrast, cities like Miami, Buffalo, and Pittsburgh have more outright owners and may respond slower to falling rates. Nationwide, 64% of homes are owned, with two-thirds having mortgages, influenced by homeowner age and equity buildup.
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How to Get Your Property Sale-Ready in 5 Steps
Enhance curb appeal: A well-maintained exterior creates trust and attracts buyers from the moment they arrive.
Declutter and depersonalize: Remove personal items to allow buyers to imagine themselves in the space. -

Top Strategies to Sell Your Home Fast in 2025
Price your home right from day one to attract more offers and avoid sitting on the market too long.
Boost curb appeal with simple upgrades—fresh paint, landscaping, and clean entryways make a strong first impression.
Use professional photos and staging to showcase your home’s best features across online platforms.
Work with a top local agent to access expert pricing, negotiation, and digital marketing tools.
Consider flexible selling options—your agent can help compare listing strategies, cash offers, or “Buy Before You Sell” programs.
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Federal Spending Cuts Weigh on DC Office Demand
The first half of 2025 was disrupted by steep federal cutbacks in jobs, contracts, and grants.
Roughly 6,000 federal jobs were lost, alongside a 12% reduction in contract and grant spending.
The government is accelerating its portfolio contraction, weakening office demand.
Macroeconomic volatility compounds uncertainty, keeping leasing activity subdued.
Still, stabilizing trends and growing optimism for 2026 suggest a gradual recovery.