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Mortgage rates aren’t random. They’re affected by 2 numbers. The 10-year treasury yield and something called "the spread...
08/12/2026

Mortgage rates aren’t random. They’re affected by 2 numbers.

The 10-year treasury yield and something called "the spread." That's the gap between the 10-year treasury yield and mortgage rates, and it usually sits around 1.76 percentage points.

Back in 2023, the gap in the spread ballooned up to 3.19 in response to economic uncertainty. If it were still that wide today, rates would be pushing almost 8%.

But the good news is the gap has narrowed to 2.01 (a lot closer to the long-term norm). And that’s a big positive for rates. It’s why today’s mortgage rate is in the upper 6s instead of touching 8%.

Here's the part a lot of people miss. Where rates are right now are already pretty close to what a totally normal spread would produce – a mortgage rate around 6.5%.

In other words, the fact that the spread has narrowed in recent years has helped mortgage rates. Sure, they’re still higher than you may want, but it could be worse.

Wondering if...

Think big investors are snapping up all the homes? The data says otherwise.The largest institutional investors are now s...
08/05/2026

Think big investors are snapping up all the homes? The data says otherwise.

The largest institutional investors are now selling more homes than they're buying – and the gap is growing every quarter.

That means those homes are going back on the market for regular buyers. And since big investors tend to own lower-priced homes, a lot of them are right in the range first-time buyers want.

Less competition. More options for you.

DM me and I'll show you what's hitting the market in our area.

Did home prices just hit a turning point? Even though all the headlines out there make it sound like prices are crashing...
07/29/2026

Did home prices just hit a turning point?

Even though all the headlines out there make it sound like prices are crashing, here’s what the data really says.

Yes, price growth cooled from around 7% in mid-2024 to closer to 3% today. But that’s not a crash. It’s just a slowdown.

And if you look at the right side of this graph, it seems like price growth may have hit its low point and started to turn.

Now, two months of data doesn’t necessarily make a trend. But a few things back this up.

Compared to earlier this year, fewer markets are seeing price declines right now. And, forecasts call for price growth to pick up a bit before end of year.

Whether you’re buying or selling, I want you to have breaking info like this as soon as I have it – especially when it looks like something is changing.

DM me "PRICES" and I'll show you exactly what home prices are doing in our local market and what that means for you.

Sticker shock keeping you on the sidelines? Condos might help.The median condo sold for $380,000 in June, while the medi...
07/22/2026

Sticker shock keeping you on the sidelines? Condos might help.

The median condo sold for $380,000 in June, while the median single-family home went for $446,400. That's a gap of more than $66,000.

Part of that is because condos are usually smaller. But that's exactly the point. Smaller square footage can mean a smaller price tag.

So, if you can make less space work for your life, it may work for your budget, too.

For a lot of buyers, especially first-timer buyers, a condo or townhome is the difference between waiting and owning.

Curious what condos and townhomes are selling for in our area? Drop a comment or send me a DM, and I'll put together a list that fits your budget.

One of the biggest seller myths floating around right now is that buyers have disappeared.The headlines certainly make i...
07/15/2026

One of the biggest seller myths floating around right now is that buyers have disappeared.
The headlines certainly make it feel that way.

But here's what the data actually says.

More homes are going under contract right now than they were at this point the last two years.

And here's how that's possible. Life doesn't wait for perfect mortgage rates. People still get married. Families grow. Jobs change.

At some point, waiting becomes harder than moving. So serious buyers still take the plunge.

So, if you've been wondering whether there are still buyers out there...

There are.

The key is knowing how to position your house to stand out in today's market. Send me a message if you want some advice on what it would take to get your house sold right now.

If your student loans have you wondering whether buying a home is even possible, keep reading.33% of first-time homebuye...
07/08/2026

If your student loans have you wondering whether buying a home is even possible, keep reading.

33% of first-time homebuyers have student loan debt. That's roughly a third. And if they're making it happen, maybe you can too. Here’s why.

Lenders look at your whole financial picture – your income, your credit, your overall debt – not just your loans. So, if your finances are in decent shape, you might be a lot closer to owning than you think.

Don't count yourself out before you even try. Connect with a lender and talk about your options.

A lot of buyers and sellers are holding back right now because they're worried we're headed for another 2008. But look a...
07/01/2026

A lot of buyers and sellers are holding back right now because they're worried we're headed for another 2008. But look at the numbers.

In 2008, homeowner equity and mortgage debt were nearly identical. That means, if someone hit a rough patch, they had almost nothing to fall back on. That's part of what made that crash so bad.

Today? Home equity is at $34.9 trillion. Debt is at $14.4 trillion. So, homeowners aren't stuck. They have equity built up in their homes – which means if they needed to sell, many could and they’d still come out ahead. They have a cushion.

This isn’t a crash. Today’s market still has a solid foundation.

And if worries about a crash have been keeping you on the sidelines, it might be worth having a conversation about what a move could look like for you right now.

You may be hearing more homeowners are pulling their houses off the market. Maybe you're even worried that means we’re h...
06/24/2026

You may be hearing more homeowners are pulling their houses off the market. Maybe you're even worried that means we’re headed for a crash...

Here's what you should know.

There are 4 main reasons more sellers are de-listing right now – and none of them are “the market is about to crash.”

This trend is really about sellers adjusting to a market that needs the right price and the right prep.

And when a homeowner misses the mark on price or prep, sometimes taking a house off the market is a good way to take a beat and reset their strategy.

It’s not a warning sign of broader trouble to come.

If you have questions about something you’re hearing online or what something means for the market as a whole, reach out.

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