Monika Rydzak's Blog Posts

What’s Really Happening with Mortgage Rates???

Are you feeling a bit unsure about what’s really happening with mortgage rates? That might be because you’ve heard someone say they’re coming down. But then you read somewhere

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3 Must-Do’s When Selling Your House in Florida Keys

When selling your house in the Florida Keys, there are three key practices to keep in mind to ensure a successful and smooth transaction:1. **Price Your Home Right**: It's essential to understand

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2 of the Factors That Impact Mortgage Rates...

If you’re looking to buy a home, you’ve probably been paying close attention to mortgage rates. Over the last couple of years, they hit record lows, rose dramatically, and are

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Your Pulse on Today's Markets

As we enter the new year, both homebuyers and sellers continue to navigate the challenges that were prominent in 2023. These include persistently high interest rates, soaring home prices, and a

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2 Reasons Why Today’s Mortgage Rate Trend Is Good for Sellers...

If you’ve been holding off on selling your house to make a move because you felt mortgage rates were too high, their recent downward trend is exciting news for you. Mortgage rates

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Homeownership Is Still at the Heart of the American Dream...

Buying a home is a powerful decision, and it remains at the heart of the American Dream. Unlike renting, owning a home means more than just having a place to live – it offers a sense of

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Avoid These Common Mistakes After Applying for a Mortgage...

If you’re getting ready to buy a home, it’s exciting to jump a few steps ahead and think about moving in and making it your own. But before you get too far down the

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Ways Your Home Equity Can Help You Reach Your Goals...

If you’ve owned your house for at least a couple of years, there’s something you’re going to want to know more about – and that’s home equity. If you’re not

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Things To Consider If Your House Didn’t Sell...

If your listing has expired and your house didn’t sell, it's completely normal to feel a mix of frustration and disappointment. Understandably, you're probably wondering what may have gone

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What You Need To Know About Saving for a Home in 2024...

If you’re planning to buy a home, knowing what to budget for and how to save may sound intimidating – but it doesn’t have to be. One way to ease those concerns is to make sure

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Get Ready To Buy a Home by Improving Your Credit Score...

As the new year approaches, the idea of buying a home might be on your mind. It’s an exciting goal to set, and it's never too early to start laying the groundwork. One crucial step

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Why Mortgage Rates Could Continue To Decline...

When you read about the housing market, you’ll probably come across some information about inflation or recent decisions made by the Federal Reserve (the Fed). But how do those

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Down Payment Assistance Programs Can Help Pave the Way to Homeownership...

If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle. According to the National Association of Realtors (NAR), 38% of first-time

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When You Sell Your House, Where Do You Plan To Go???

If you’re thinking about selling your house, you may have heard the supply of homes for sale is still low, and that means your house should stand out to buyers who are craving

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Experts Project Home Prices Will Rise over the Next 5 Years...

Even with so much data showing home prices are actually rising in most of the country, there are still a lot of people who worry there will be another price crash in the immediate

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Home Prices Still Growing – Just at a More Normal Pace...

If you’re feeling a bit muddy on what’s happening with home prices, that’s no surprise. Some people are still saying prices are falling, even though data proves otherwise.

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How VA Loans Can Help Make Homeownership Dreams Come True...

For more than 79 years, Veterans Affairs (VA) home loans have helped millions of veterans buy their own homes. If you or someone you care about has served in the military, it's essential

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The Latest 2024 Housing Market Forecast...

The new year is right around the corner, and you might be wondering if 2024 will be the right time to buy or sell a home. If you want to make the most informed decision possible, it

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Life-Changing Events That Move the Housing Market...

Life is a journey filled with unexpected twists and turns, like the excitement of welcoming a new addition, retiring and starting a new adventure, or the bittersweet feeling of an empty nest. If

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Thinking About Using Your 401(k) To Buy a Home???

Are you dreaming of buying your own home and wondering about how you’ll save for a down payment? You're not alone. Some people think about tapping into their 401(k) savings

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Invest in Yourself by Owning a Home...

Are you wondering if it makes sense to buy a home right now? While today’s mortgage rates might seem a bit intimidating, here are two compelling reasons why it still may be

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Home Price Growth Is Returning to Normal...

Home Price Growth Is Returning to Normal [INFOGRAPHIC]Some HighlightsIf you're wondering what’s happening with home prices, know they’re still rising, just at a slower pace

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The Latest Expert Forecasts for Home Prices in 2023...

Are you thinking about making a move? If so, all the speculation that home prices would crash this year may have you feeling a bit on edge about your decision. Let the data and the

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Key Skills You Need Your Listing Agent To Have...

Selling your house is a big decision. And that can make it feel both exciting and a little bit nerve-wracking. But the key to a successful sale is finding the perfect listing agent to work with

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Understanding the Benefits of Owning Your First Home...

Are you considering buying your first home? If so, it can be helpful to know what led other people to make that decision. According to a recent survey of first-time homebuyers by 

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Unpacking the Long-Term Benefits of Homeownership...

If you’re thinking about buying a home soon, higher mortgage rates, rising home prices, and ongoing affordability concerns may make you wonder if it still makes sense to buy a home

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Beginning with Pre-Approval...

If you’re looking to buy a home this fall, there are a few things you need to know. Affordability is tight with today’s mortgage rates and rising home prices. At the same

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Remote Work Is Changing How Some Buyers Search for Their Dream Homes...

The way Americans work has changed in recent years, and remote work is at the forefront of this shift. Experts say it’ll continue to be popular for years to come and project that;

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Are More Homes Coming onto the Market???

An important factor shaping today’s market is the number of homes for sale. And, if you’re considering whether or not to list your house, that’s one of the biggest

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Expert Home Price Forecasts Revised Up for 2023...

Toward the end of last year, there were a number of headlines saying home prices were going to fall substantially in 2023. That led to a lot of fear and questions about whether there was

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Two Questions To Ask Yourself if You’re Considering Buying a Home...

If you’re thinking of buying a home, chances are you’re paying attention to just about everything you hear about the housing market. And you’re getting your information from a

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Evaluating Your Wants and Needs as a Homebuyer Matters More Today...

When it comes to buying a home, especially with today’s affordability challenges, you’ll want to be strategic. Mortgage rates impact how much it costs to borrow money for your home loan.

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The True Cost of Selling Your House on Your Own...

Selling your house is no simple task. While some homeowners opt to sell their homes on their own, known as a FSBO (For Sale by Owner), they often encounter various challenges without the guidance of

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What Homebuyers Need To Know About Credit Scores...

If you’re thinking about buying a home, you should know your credit score’s a critical piece of the puzzle when it comes to qualifying for a home loan. Lenders review your credit to

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Eco-Friendly, Energy-Efficient Homes Attract Buyers...

Are you planning to sell your house? If so, you may be surprised to hear just how much buyers value energy efficiency and eco-friendly features today. This is especially true as summer officially

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The Benefits of Selling Now, According to Experts.....

If you’re trying to decide if now’s the time to sell your house, here’s what you should know. The limited number of homes available right now gives you a big advantage. That&rsquo

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Homeowners Have Incredible Equity To Leverage Now...

Homeowners Have Incredible Equity To Leverage Right NowEven though home prices have moderated over the last year, many homeowners still have an incredible amount of equity. But what is equity? In

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Why Today’s Housing Market Is Not About To Crash...

There’s been some concern lately that the housing market is headed for a crash. And given some of the affordability challenges in the housing market, along with a lot of recession talk in the

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What is the 50% Rule?

If you own a property in Monroe County, Florida, particularly in Key West, you may have heard of the Substantial Improvement and 50% Rule. These regulations are designed to help reduce the risk of

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Think Twice Before Waiting for 3% Mortgage Rates...

Think Twice Before Waiting for 3% Mortgage RatesLast year, the Federal Reserve took action to try to bring down inflation. In response to those efforts, mortgage rates jumped up

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Is It Time To Sell Your Second Home...

Is It Time To Sell Your Second Home?During the pandemic, second homes became popular because of the rise in work-from-home flexibility. That’s because owning a second home, especially in the

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Truth About Negative Home Equity Headlines.

The Truth About Negative Home Equity HeadlinesHome equity has been a hot topic in real estate news lately. And if you’ve been following along, you may have heard there’s a

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What Experts Are Saying About the 2023 Housing Market.....

What Experts Are Saying About the 2023 Housing MarketIf you’re thinking about buying or selling a home soon, you probably want to know what you can expect from the housing&

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3 Best Practices for Selling Your House.

3 Best Practices for Selling Your House This YearA new year brings with it the opportunity for new experiences. If that resonates with you because you’re considering making a move, you

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Avoid the Rental Trap in 2023...

Avoid the Rental Trap in 2023If you’re a renter, you likely face an important decision every year: renew your current lease, start a new one, or buy a home. This year is no different. But

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Florida Keys Market Updates

Market Updates The real estate market has been slowing down recently in the Florida Keys, giving buyers a much-needed break from the high prices of years past. It’s now possible to find

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Wondering How Much You Need To Save for a Down Payment

Wondering How Much You Need To Save for a Down Payment?If you’re getting ready to buy your first home, you’re likely focused on saving up for everything that purchase involves. One cost

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Housing Market Forecast: What You Need to Know

What Are Your Goals in the Housing Market This Year?If buying or selling a home is part of your dreams for 2023, it’s essential for you to understand today’s housing market, define your

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Planning To Sell Your House???

Planning To Sell Your House? It’s Critical To Hire a Pro.With higher mortgage rates and moderating buyer demand, conditions in the housing market are different today. And if you’re

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Applying For a Mortgage???

Applying For a Mortgage? Here’s What You Should Avoid Once You Do.While it’s exciting to start thinking about moving in and decorating after you’ve applied

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What Makes a House a Home...

What Makes a House a Home?There’s no denying the long-term financial benefits of owning a home, but today’s housing market may have you wondering if now’s still the time

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What To Expect From the Housing Market in 2023???

What To Expect From the Housing Market in 2023The 2022 housing market has been defined by two key things: inflation and rapidly rising mortgage rates. And in many ways, it's put the market into

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Homeowners Still Have Positive Equity Gains over the Past Twelve Months.

Homeowners Still Have Positive Equity Gains over the Past 12 MonthsIf you’re a homeowner, your net worth got a big boost over the past few years thanks to rapidly rising home prices. Here;

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Mortgage Rates Are Dropping. What Does That Mean for You???

Mortgage Rates Are Dropping. What Does That Mean for You?Mortgage rates have been a hot topic in the housing market over the past 12 months. Compared to the beginning of 2022, rates have risen

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You May Have More Negotiation Power When You Buy a Home...

You May Have More Negotiation Power When You Buy a Home TodayDid the frequency and intensity of bidding wars over the past two years make you put your home search on hold? If so, you

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Ready To Sell???

Ready To Sell? Today’s Housing Supply Gives You Two Opportunities.At first glance, the increase in housing supply compared to last year may not sound like good news for prospective ,

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Knowing the current home prices.

What Every Seller Should Know About Home PricesIf you’re trying to decide whether or not to sell your house, recent headlines about home prices may be top of mind. And if those stories

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Reasons To Sell Your House This Season [INFOGRAPHIC].

Reasons To Sell Your House This Season [INFOGRAPHIC]Some HighlightsIf you’re planning to make a move but aren’t sure if now’s the right time, here are a few reasons why you shouldn

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Homeownership Is an Investment in Your Future.

Homeownership Is an Investment in Your FutureThere are many people thinking about buying a home, but with everything affecting the economy, some are wondering if it’s a smart decision to

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Key Advantages of Buying a Home Today.

Key Advantages of Buying a Home TodayThere’s no doubt buying a home today is different than it was over the past couple of years, and the shift in the market has led to advantages

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What’s Going on with Home Prices???

What’s Going on with Home Prices? Ask a Professional.If you’re thinking about buying or selling a home this year, you may have questions about what’s happening

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VA Loans Can Help Veterans Achieve Their Dream of Homeownership.

VA Loans Can Help Veterans Achieve Their Dream of HomeownershipFor over 78 years, Veterans Affairs (VA) home loans have provided millions of veterans with the opportunity to purchase homes

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What’s Ahead for Mortgage Rates and Home Prices???

What’s Ahead for Mortgage Rates and Home Prices?Now that the end of 2022 is within sight, you may be wondering what’s going to happen in the housing market next year and what that may

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The Majority of Americans Still View Homeownership as the American Dream.

The Majority of Americans Still View Homeownership as the American DreamBuying a home is a powerful decision, and it remains a key part of the American Dream. In fact, the 2022 Consumer

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Key Factors Affecting Home Affordability Today.

Key Factors Affecting Home Affordability TodayEvery time there’s a news segment about the housing market, we hear about the affordability challenges buyers are facing today. Those headlines

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Homeownership Wins Over Time.

Homeownership Wins Over Time [INFOGRAPHIC]Some HighlightsIf you’re questioning whether or not to buy a home this year due to today’s cooling market, consider the long-term

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Homeownership is a dream for many, but it may not be as far away as you think.

Do You Believe Homeownership Is Out of Reach? Maybe It Doesn’t Have To Be.It turns out, millennials aren’t the renter generation after all. The 2022 Consumer

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Sell Your House Before the Holidays.

Sell Your House Before the HolidaysAs you look ahead to the winter season, you’re likely making plans and thinking about what you want to achieve before the year ends. One of those key

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Three Trends That Are Good News for Today’s Homebuyers

While higher mortgage rates are creating affordability challenges for homebuyers this year, there is some good news for those people still looking to buy a home.As the market has

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Taking the Fear out of Saving for a House

If you’re planning to buy a home, knowing what to budget for and how to save may sound scary at first. But it doesn’t have to be. One way to take the fear out of budgeting is

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