Pat O'Leary NMLS# 272734 - Movement Mortgage

09/04/2026

You've been lied to about the housing market. Here's what the data actually shows. 👇

Everyone keeps saying now is the worst time to buy. But the numbers tell a completely different story.

"There's nothing in my price range."
Entry-level home inventory rose 4.5% year over year in June while luxury inventory fell 5.2%. More affordable homes are available right now — and fewer people are competing for them. Source : July 29, 2026 /PRNewswire/ New Zillow® data "Sellers are overpriced and won't budge."

Asking prices have dropped for nine consecutive months nationally. One in four sellers cut their price in June before a buyer even made an offer. Sellers are more open to negotiating on price, closing costs, and terms than they've been in years — and Movement offers buydown options that sellers can fund as part of the deal to lower your payment early on. Source: Realtor.com, research. July-2026-data.

"I'll lose to investors every time."
Large corporate investors have largely stepped back after new federal rules restricted them from buying existing housing stock. Today 96% of investor-owned single-family homes belong to small individual investors. The playing field has shifted in your favor. Source: BatchData, Q2 2025 Investor Pulse.

"Rates make it unaffordable."
Household incomes grew 4.6% last year while the median monthly mortgage payment actually fell slightly. A mortgage takes up a smaller share of take-home pay than it did a year ago. And with down payment assistance available, you may not need as much saved as you think.
Source: Bureau of labor statistics. U.S. Department of labor. USUAL WEEKLY EARNINGS OF WAGE AND SALARY WORKERS SECOND QUARTER 2026. July 21, 2026

The market is more favorable for everyday buyers than the headlines suggest. You just have to know where to look.

📲 Find out what's actually possible for you right now.

Disclaimer : Note that Any actual Seller Credit is paid at closing and is subject to interested party contribution limits. Actual Seller Credit amounts are agreed upon solely between the Seller and the Borrower(s).

09/03/2026

The path to homeownership looks different for everyone. Some borrowers have straightforward finances. Others own businesses, work independently, invest in real estate, or have income that fluctuates from month to month. Different financial situations can require different lending solutions.

09/02/2026

National housing headlines don't always tell the whole story.

According to Zillow Research, starter-home inventory increased 4.5% year over year in June, while luxury-home inventory declined 5.2%.*

That could mean more options for some buyers searching at lower price points. Zillow also found that price cuts were more common among starter homes, with 25% of listings receiving a price cut in June. Market conditions can vary significantly by location, so what's happening nationally may look very different in your area.

Reach out to learn more about the inventory available in your area and price range.

*Source: Zillow Research, “Starter Homes Are Piling Up While Luxury Homes Fly Off the Market,” July 29, 2026. Starter homes are defined by Zillow as homes in the 5th–35th percentile of home values in a given region. Market conditions vary by location and are subject to change.

09/01/2026

09/01/2026

Worried you can’t afford to buy a home? Before you decide, take a look at what you’re already spending on rent. You might be closer to homeownership than you think. Let's see what your options look like.

09/01/2026

The reason most people don't grow their investment portfolio isn't opportunity, it's capital. Every dollar tied up in a down payment is a dollar that can't go toward the next deal. Investor Plus was built for exactly that problem. As little as 10% down on an investment property, no mortgage insurance on single units, short-term rental eligible.

If you've been waiting until you have enough, let's figure out what enough actually looks like. DM me.

Note: For qualified borrowers. Additional restrictions apply. Must meet all loan program and borrower requirements.

08/31/2026

Getting approved for a certain amount doesn't mean you have to spend it.

Before you start house hunting, think about the monthly payment that feels comfortable for your budget. That includes more than just principal and interest. Property taxes, insurance, HOA fees, utilities, and everyday life all factor into the bigger picture.

Knowing your comfort zone upfront can help you shop with confidence and avoid stretching your finances too thin.

08/28/2026

Back-to-School Pop Quiz!
Do you need:
❌ Perfect credit?
❌ 20% down?
❌ Everything figured out?

Not necessarily.

One of the biggest homebuying misconceptions is thinking you're not ready when you may be closer than you realize. If you've checked a few items on this Homebuyer Checklist, it might be time to explore your options and see what's possible.

08/27/2026

Don't let a number keep you from a conversation. Many buyers start exploring their options long before they've saved 20% down.

08/26/2026

Before you talk yourself out of homeownership, let’s talk. You may have more options than you think.