Homes by Fernando - EXP Realty, LLC - Real Estate Broker

08/31/2026

Check this out! We are glad you are here. We take pride in providing you with the best possible service, as well as the latest cutting-edge tools, to make all your real estate transactions as smooth as possible.

Have you seen the headlines about using your 401(k) to cover a down payment?

Tapping it can feel like an easy call, especially if you’ve got a good chunk saved up. But pulling from retirement early can trigger penalties and set back the savings you'll want later on.

But you don’t necessarily have to raid your retirement to buy a home. You’ve got other options, like FHA loans, which let qualified buyers put down as little as 3.5%. And down payment assistance programs can help, too.

So, before you touch your 401(k), talk with a trusted financial advisor. They can help you find the option that fits your goals and your budget.



Call me 773.613.9900

08/31/2026

Proud to attend the 2026 Five Star Conference & Expo in Dallas, Texas, once again.

I’m honored to continue investing in my education, reconnecting with clients, strengthening industry relationships, and staying engaged with the professionals shaping the REO and default servicing space.

Events like this are always a great opportunity to learn, grow, and bring back new ideas that help me better serve my clients and community.

Looking forward to a great conference. See you in Dallas.

Fernando Godoy
REO Specialist | Broker
Homes by Fernando | eXp Realty

08/30/2026

¡Revisa esta información! Nos alegramos de que esté aquí. Nos enorgullece brindarle el mejor servicio posible, así como las últimas herramientas de vanguardia, para que todas sus transacciones inmobiliarias sean lo más fluidas posible.

A lot of people are hoping for the same thing. Lower mortgage rates. Lower home prices.

The problem? Forecasts show that’s probably not what’s in the cards. At least, not right now.

Mortgage rates aren’t expected to fall dramatically. And at the same time, home prices should keep rising at about the same pace they have been.

Now, that’s not what you wanted to hear, but it doesn’t mean you’re out of options.

Sometimes the best move isn't waiting for the market to change. It's exploring what's still possible right now.

Other people are still making it happen even with rates and prices where they are. Maybe you can too.

Let's talk if you want help...



Call or text me 773.613.9900

08/30/2026

Check this out! We are glad you are here. We take pride in providing you with the best possible service, as well as the latest cutting-edge tools, to make all your real estate transactions as smooth as possible.

Think every home on the market is out of reach? Not necessarily.

More than 40% of sellers are dropping their asking price right now. And the median list price this July was the lowest for any July in 5 years.

That means sellers aren’t banking on bidding wars or expecting buyers to pay whatever they ask. They’re more willing to meet you where you’re at.

And that could work in your favor. Want to find out how much wiggle room you have on price in our market? DM me.



Call me 773.613.9900

08/29/2026

¡Revisa esta información! Nos alegramos de que esté aquí. Nos enorgullece brindarle el mejor servicio posible, así como las últimas herramientas de vanguardia, para que todas sus transacciones inmobiliarias sean lo más fluidas posible.

Sellers Are Cutting Prices To Meet Buyers Where They're At

Right now, sellers are flexible on the price in ways they weren't before. Let’s take advantage of that flexibility.

You may be surprised by what's available – and how willing today's sellers are to work with buyers.



Call or text me 773.613.9900

Usted está revisando los listados en su móvil y todo parece bien hasta que ve el precio (o el pago mensual estimado). Entonces cierra la aplicación.

08/29/2026

Check this out! We are glad you are here. We take pride in providing you with the best possible service, as well as the latest cutting-edge tools, to make all your real estate transactions as smooth as possible.

Sellers Are Cutting Prices To Meet Buyers Where They're At

Right now, sellers are flexible on the price in ways they weren't before. Let’s take advantage of that flexibility.

You may be surprised by what's available – and how willing today's sellers are to work with buyers.



Call me 773.613.9900

You're scrolling through listings on your phone and everything looks good until you see the price (or the estimated monthly payment). Then you close the app.

08/28/2026

¡Revisa esta información! Nos alegramos de que esté aquí. Nos enorgullece brindarle el mejor servicio posible, así como las últimas herramientas de vanguardia, para que todas sus transacciones inmobiliarias sean lo más fluidas posible.

Quick question: what's the one word you'd use to describe this year so far?

For a lot of people, it's stressful. And when everything feels shaky, it’s easy to second-guess the move you were ready to make. But the truth is, the housing market is one thing that’s been remarkably stable.

Home prices have been relatively steady for about 4 years now. The number of homes for sale is right about where it was last year (up 2%). And mortgage rates have held in the same general 6-7% range since late 2022.

A steady market comes with a perk. You can actually plan. What works for your budget today probably won’t look all that different in a few months.

You don’t have to wait for...



Call or text me 773.613.9900

08/28/2026

Check this out! We are glad you are here. We take pride in providing you with the best possible service, as well as the latest cutting-edge tools, to make all your real estate transactions as smooth as possible.

Worried About a Housing Crash? The Numbers Tell a Calmer Story.

The rest of the world may feel unpredictable right now, but the housing market doesn't have to. Prices, inventory, and rates have all found solid ground.

If stability is what you've been waiting for, it's already here. Let’s connect if you want to talk through what that means for your move.



Call me 773.613.9900

A recent survey from Talker Research asked Americans to pick one word to describe how 2026 has felt so far. The winner? Stressful. And honestly, there’s been a lot going on.

08/27/2026

¡Revisa esta información! Nos alegramos de que esté aquí. Nos enorgullece brindarle el mejor servicio posible, así como las últimas herramientas de vanguardia, para que todas sus transacciones inmobiliarias sean lo más fluidas posible.

Most Home Sales Close – Here’s How To Keep Yours on Track

Most home sales still close, and the biggest thing that could get in the way of yours is the one thing you can actually do something about.

With the right prep, your sale has every reason to make it to the finish. So, let’s connect and get your house sold.



Call or text me 773.613.9900

Pocas cosas son tan desagradables como la idea de que la venta de su casa se desplome en el último momento, justo antes del cierre. Todo ese esperar, todo ese progreso, por la ventana.

08/27/2026

We are glad you are here. We take pride in providing you with the best possible service, as well as the latest cutting-edge tools, to make all your real estate transactions as smooth as possible.

Sellers Are Cutting Prices To Meet Buyers Where They're At

Right now, sellers are flexible on the price in ways they weren't before. Let’s take advantage of that flexibility.

You may be surprised by what's available – and how willing today's sellers are to work with buyers.

You're scrolling through listings on your phone and everything looks good until you see the price (or the estimated monthly payment). Then you close the app.