Keys to the Market

Unlocking Insights, One Door at a Time

Chris Fosgate Chris Fosgate

The Truth About Down Payments (It’s Not What You Think)

Think you need 10-20% down to buy a home? Think again. Most first-time buyers put down far less, and many qualify for low or no down payment loans. Plus, thousands of assistance programs can help cover the cost. Don't let myths stop you--homeownership might be closer than you think.

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Chris Fosgate Chris Fosgate

The 3 Things You Risk by Pricing Too High

Overpricing your home can lead to price cuts, pulled listings, or unwanted landlord duties. In today's competitive market, the right strategy--and the right agent--can help you price it to sell quickly and confidently.

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Chris Fosgate Chris Fosgate

Today’s Tale of Two Housing Markets

The housing market is splitting—some areas favor buyers, others sellers. Learn how regional trends are shifting and why local expertise is key to navigating today’s market successfully.

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Chris Fosgate Chris Fosgate

Housing Market Forecasts for the Rest of 2025

Home prices are expected to rise modestly in 2025 while mortgage rates remain steady in the 6% range. The market is cooling, not crashing—so buyers and sellers should focus on strategy, not headlines.

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Chris Fosgate Chris Fosgate

The U.S. Foreclosure Map You Need To See

Foreclosure filings rose 7% in early 2025, but remain far below crisis levels--just 0.13% of homes nationwide. Stronger lending and record homeowner equity mean today's market is nothing like 2008. Let's connect to talk about what this really means for you.

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Chris Fosgate Chris Fosgate

The Latest Mortgage Rate Forecasts

Mortgage rates are projected to stay in the 6% range through year-end, so holding off for a major drop might not pay off. Let's connect to explore your options and keep you informed as forecasts shift.

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Chris Fosgate Chris Fosgate

The 5-Year Rule for Home Prices

Are you worried about home prices? Here's what you should know. In most areas, home prices are still way up compared to 5 years ago -- even with the recent shifts. Let's look at what prices are doing in our market, so you have the full picture.

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Chris Fosgate Chris Fosgate

The Advice First-Time Homebuyers Need To Hear

First-time homebuyers can avoid common pitfalls with the right support and a solid plan. From getting pre-approved to sticking to a budget and not skipping inspections, these tips will help you buy smart, build equity, and stress less. Your first home doesn't have to be forever--it just needs to be the right first step.

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Chris Fosgate Chris Fosgate

The Truth About Where Home Prices Are Heading

Despite the crash headlines, experts project steady home price growth averaging 3.3% annually through 2029. The market is stabilizing, not collapsing—so waiting for a big drop could mean missing out on long-term equity gains.

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Chris Fosgate Chris Fosgate

Should You Buy a Vacation Home?

Now that summer's here, you're probably planning your next getaway. But what if you didn't have to? Buying a vacation home means having a built-in escape you can use year after year. It gives you the chance to generate rental income and have a go-to retirement destination in the future. If you're dreaming of owning your own slice of paradise, let's connect and see if we can make it happen this summer.

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Chris Fosgate Chris Fosgate

What You Should Know About Getting a Mortgage Today

Getting approved for a mortgage is becoming easier as lenders loosen standards slightly, without repeating the mistakes of 2008. With credit availability at its highest in nearly three years, now may be your best chance to qualify and make your move.

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Chris Fosgate Chris Fosgate

Top 5 Reasons To Hire a Real Estate Agent When You Sell

The right agent doesn’t just list your house – they help you sell smarter, faster, and with fewer surprises.

With an agent’s help, you’ll know what’s happening in your local market and how to price your house right. You’ll feel confident filling out complex legal documents and at the negotiation table. And that’s priceless.

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