David Sepulveda - Realtor

12/22/2023

Get Your House Ready To Sell This Winter [INFOGRAPHIC]

As you get ready to sell your house, there are a few things you should add to your to-do list to make it inviting and boost curb appeal. To name just a couple, it’s a good idea to declutter, take down personal photos and items, touch up any scuffs on the walls, and tidy up your landscaping. Connect with a trusted real estate professional for advice on what else you may want to do to get your house ready to sell this season.



To learn more, reach out at any time 401-457-8383

As you get ready to sell your house, there are a few things you should add to your to-do list to make it inviting and boost curb appeal.

12/21/2023

Sell Smarter: Why Working with a Real Estate Agent May Beat Going Solo

If you're thinking about selling your house on your own, called “For Sale by Owner” or FSBO, there are some important things to consider. Going this route means taking on a lot of responsibilities by yourself – and that can be a bit of a headache.

A recent report from the National Association of Realtors (NAR) found two of the most difficult tasks for people who sell their house on their own are getting the price right and understanding and performing paperwork.

Getting the Price Right

Setting the right price for your house is important when you're trying to sell it. If you're selling your house on your own, two common issues can happen. For starters, you might ask for too much money (overpricing). Alternatively, you might not ask for enough (underpricing). Either can make it hard to...



To learn more, reach out at any time 401-457-8383

If you're thinking about selling your house on your own, called “For Sale by Owner” or FSBO, there are some important things to consider.

12/20/2023

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 two things impact you and your homebuying plans? Here's what you need to know.

The Federal Funds Rate Hikes Have Stalled

One of the Fed’s primary goals is to lower inflation. In order to do that, they started raising the Federal Funds Rate to slow down the economy. Even though this doesn’t directly dictate what happens with mortgage rates, it does have an impact.

Recently inflation has started to cool, a signal those increases worked and are bringing inflation back down. As a result, the Fed’s hikes have gotten smaller and less frequent. In fact, there haven’t been any increases since July.

This indicates the Fed thinks the economy and...



To learn more, reach out at any time 401-457-8383

12/19/2023

If Your House Hasn’t Sold Yet, It May Be Overpriced

Has your house been sitting on the market a while without selling? If so, you should know that’s pretty unusual, especially right now. That’s because the supply of homes available for sale is still far lower than what we’d see in a normal year. That means buyers have fewer options than they usually would, so your house should be an oasis in an inventory desert.

So, if homebuyers have limited choices and your house still hasn’t sold, there’s a reason why. Let’s break one potential sticking point that may be turning buyers away: your asking price.

Why Setting the Right Price Matters

While you want to maximize the return on your investment when you sell your house, you also need to be realistic based on current market conditions. The simple truth is your house is only going to sell for what people are...



To learn more, reach out at any time 401-457-8383

Has your house been sitting on the market a while without selling?

12/18/2023

Thinking about selling but worried buyer demand disappeared when mortgage rates went up? Well, multiple offers are still rolling in, especially for starter and mid-priced homes. That means there's still a pool of interested buyers, and your home could be a standout in the current market. If you're ready to sell and upgrade to your next home, let’s connect.



To learn more, reach out at any time 401-457-8383

12/16/2023

The path to homeownership is filled with key milestones. From assembling your dream team to settling into your new home, it's an adventure filled with twists and turns. Let's connect so you have expert guidance throughout your journey. Your new home story starts here.



To learn more, reach out at any time 401-457-8383

12/15/2023

What You Need To Know About Down Payments [INFOGRAPHIC]

If you want to buy a home, you may not need as much for your down payment as you think. There are various loan options for qualified buyers with down payments as low as 3.5% or even no down payment requirement. There are also thousands of programs available to help homebuyers with their down payments. With the right resources, your down payment may be more within reach than you realize. To learn more about your options, let’s connect.



To learn more, reach out at any time 401-457-8383

12/14/2023

Debating whether to make your move now or wait until next year? While some are delaying their moving plans, here are three reasons why selling now is actually a smart decision. Let's chat today to discuss the benefits of listing your house now.



To learn more, reach out at any time 401-457-8383

12/13/2023

The Surprising Trend in the Number of Homes Coming onto the Market

If you're thinking about moving, it's important to know what's happening in the housing market. Here's an update on the supply of homes currently for sale. Whether you're buying or selling, the number of homes in your area is something you should pay attention to.

In the housing market, there are regular patterns that happen every year, called seasonality. Spring is the peak homebuying season and also when the most homes are typically listed for sale (homes coming onto the market are known in the industry as new listings). In the second half of each year, the number of new listings typically decreases as the pace of sales slows down.

What Does This Mean for You?

• For buyers, new listings stabilizing is a positive sign. It means you have a more steady stream of options coming onto the market...



To learn more, reach out at any time 401-457-8383

If you're thinking about moving, it's important to know what's happening in the housing market.

12/12/2023

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 homebuyers find saving for a down payment the most challenging step. But the reality is, you probably don’t need to put down as much as you think.

Data from NAR shows the median down payment hasn’t been over 20% since 2005. In fact, the median down payment for all homebuyers today is only 15%. And it’s even lower for first-time homebuyers at 8%. But just because that’s the median, it doesn’t mean you have to put that much down. Some qualified buyers put down even less.

First-Time and Repeat Buyers Are Often Eligible

According to Down Payment Resource, there are thousands of programs available for homebuyers – and 75% of these are down...



To learn more, reach out at any time 401-457-8383

If you’re looking to buy a home, your down payment doesn’t have to be a big hurdle.