Todd Rodocker

Entrepreneur, Realtor and Mortgage License, enjoy helping people better their lives. Constantly self improving myself through books and audio programs.

[Todd Rodocker @ToddRodocker]

If the first half of this year has left you feeling stuck, you're definitely not the only one.

Mortgage rates stayed higher than people hoped. Affordability was still tough. And every time it felt like things might improve, something else got in the way. But here's the good news

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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.

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Whether you’re buying or selling, deals are looking different at the moment.

Almost half of sellers gave buyers a concession recently – the highest share on record for this time of year. Builders are also compromising, with over 60% offering incentives.

[Todd Rodocker @ToddRodocker]

The housing market is shifting-Here's what Buyers & Sellers need to know.

The latest June 2026 housing data shows a market that's becoming more balanced—not crashing. Here's what stands out.

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Think a newly built home is out of your budget? Over time, it might cost less than you think.

Compared to an existing home that’s 20 years old, buying new saves the average buyer more than $25,000 over the first 10 years.

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More homeowners are pulling their houses off the market right now. But don’t let that rattle your own plans to sell.

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In many places today, homebuyers finally have the upper hand.

Data shows that, as a whole, there are more sellers than buyers active in the market right now. That means buyers have more homes to choose from and a lot more room to negotiate.

[Todd Rodocker @ToddRodocker]

Home prices are up in some markets and flat or negative in others. So, what's going on?

It really comes down to one thing: inventory.

Where there are more homes for sale than there were before the pandemic, prices have stabilized or dipped.

[Todd Rodocker @ToddRodocker]

Think a newly built home is out of reach? It might cost less than you’d think. Compared to an existing home, new homes save buyers an average of about $25,000 over their first 10 years.

[Todd Rodocker @ToddRodocker]

Has anyone taken the time to explain how much the market’s shifted? Or what it means for your move?

In 2021, nearly every major housing market in the country favored sellers. But now, only about 1 in 3 does.

And that changes the dynamics for you.

[Todd Rodocker @ToddRodocker]

A few years ago, sellers could say "no" to just about everything a buyer asked for.

No repairs.
No concessions.
No negotiation.

Today? The market looks a little different.

Zillow says 67% of sellers pay some or all of their buyer's closing costs.

[Todd Rodocker @ToddRodocker]

If you spend enough time online, you'd probably think home prices are crashing or they’re about too.

But the data tells a different story.

According to https://t.co/7gwFOimZe7, home prices are still rising in 71% of housing markets across the country.

That's the majority.

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Putting off buying a home? Maybe you're waiting for a crash to get a better deal – or afraid you'll buy now and watch your home's value fall later.

Either way, the widespread drop you're bracing for may not be coming.

Yes, a few markets are seeing mild declines.

[Todd Rodocker @ToddRodocker]

Even though you may be hearing talk about prices crashing online, it’s not true nationally. While some areas are seeing slight declines, prices are still going up in 71% of markets. That means the majority are seeing prices rise, not fall.

[Todd Rodocker @ToddRodocker]

Active listings are up 6.62% and sold listings are down 8.28% compared to this time last year. With the increase in Months of Supply, the market in this area is showing signs of moving towards a buyers market.

[Todd Rodocker @ToddRodocker]

Still deciding whether to buy your first home now or wait? Here’s something you’ll want to consider.

Buyers who get into their first home around age 30 build about $119,000 more in net worth by age 50 compared to those who wait until their 40s.

[Todd Rodocker @ToddRodocker]

One of the biggest questions I’m getting right now is: “What’s going to happen with the housing market in the second half of the year?”

And it makes sense why everyone is asking.

Affordability is tight. Rates feel high. Prices do too.

[Todd Rodocker @ToddRodocker]

Because even though you want rates to come down, experts say this latest inflation data could actually set the stage for rates to stay “higher for longer.”

So, what can you do about it? Should you just wait?

My advice is simple. Focus on what you can control.

[Todd Rodocker @ToddRodocker]

Stuck deciding whether to buy now or wait? Waiting too long could cost you a sizeable nest egg. Buying your first home at 30 (instead of 40) could give you $119,000 more in net worth by age 50. Wondering if now’s your moment? Let’s chat. #RentOrBuy #FirstTimeHomebuyer

[Todd Rodocker @ToddRodocker]

A lot of people have been waiting for rates to drop or prices to come down before making a move. But the reality is, sometimes life changes before the market does.
A growing family.
An empty nest.
A new job.
Retirement.
Needing to be closer to loved ones.