When one of your childhood best friends finally moves back to the U.S. & buys his first home, helped out by another amazing HS friend, it’s a good day! #HallmarkFinancial#mortgagebroker#realtor
Buying a duplex and living in once side while renting the other is an undefeated wealth building hack
- 3.5% down with FHA
- little or no mortgage payment
- ability to move and do again every year
Why aren’t more people doing this?
Affordability is directly related to
Income
Price
Rate/payment
Debt to a certain extent
Unfortunately none of these have gone the direction we want in the 5-6 years. #HallmarkFinancial#MortgageBroker#Realtor
Only 20% of people can afford to buy a home today
We had a 79% increase in income needed to buy a house in SIX years.
Wages increased only ~30%.
Mortgage rates from 3% to 6.5%.
This is why we have record low demand.
This is not rocket science.
This might be the most unique & amazing home I’ve ever seen. Everything about this property is more than I could have imagined. The design, layout, features, views - simply spectacular 🔥#HallmarkFinancial#MortgageBroker#Realtor https://t.co/BuQfymtxxL
@Seanfrank@Keith_Wasserman So you made something up that’s not factual & instead of owning it, just responded with that? Keith is right. Just admit you lied to push a narrative. If a rich guy wants to sell his $30M house, just another rich guy is buying it. Trading one for another
Incentives can really help out a buyer. But how you use those incentives matter. If you’re thinking about buying a home, let’s talk about your options. I’m here to help #HallmarkFinancial#MortgageBroker
Talk about affordability!!! How about a FREE 1% rate reduction for your first year? If you’re thinking about buying a home at all, now is a great time to take advantage! #HallmarkFinancial#MortgageBroker#Realtor
HOMEBUYERS! Current promo is I will cover your 1 year buydown on a new purchase locked in May or June!! A $600K FHA purchase gets you a principal & interest payment of just over $3,100 for the first year. Saving over $350 per month! Hit me up & let’s talk! #HallmarkFinancial
I don’t see the point. Why would anyone need this? This should be for 10 families. 59 bathrooms really? So crazy. #HallmarkFinancial#mortgagebroker#realtor https://t.co/GFLQDJuqXM
for only $22,500,000 you can get 1,328 acres with an over 12k sq ft home in Hamilton, MT and live out your Yellowstone dreams. The property has “substantial Skalkaho Creek frontage”, no conservation easement restrictions, fenced and cross fenced, outdoor riding arena, large horse barn, hay barn, equipment barns, greenhouse and more.
THIS is the affordability crisis. This is just insanity. This can't continue. People can't afford this kind of housing spike. #HallmarkFinancial#MortgageBroker#Realtor
The income needed to buy a typical U.S. home has increased 79% in just 6 years.
Let that sink in.
Wages didn’t rise 79%.
Productivity didn’t rise 79%.
The American dream just got 79% more expensive.
And people still wonder why housing demand is freezing.
Very interesting data. I can't wait to see what this looks like in Q1 2027. Prices up in SLC, but down in San Diego. Not much change. #HallmarkFinancial#MortgageBroker#Realtor
The housing market isn't the same in every location. It's a good reminder that there isn't just one narrative that fits all markets. It's true in local markets also as the temperature might not be exactly the same for detached homes, condos, entry-level, high-end, etc...
This is good news for Utah, bad news for places like California. Affordability is a real issue. Housing is the biggest driver, but other things make up a big part of it too. Find ways to save where you can. #HallmarkFinancial#MortgageBroker#Realtor
Here's where affordability got crushed after the pandemic.
Since 2019, the average American household now needs $15,400 more per year just to maintain the same standard of living, as gas, eggs, rent, and other essentials have surged, according to a new Common Sense Institute analysis. Today, the average household has about $2,170 in monthly discretionary income after taxes and essentials, but in the least affordable states, that drops to just $800. Housing is the biggest driver, consuming an average of 18.5% of income nationally, but ranging from 13.5% in the most affordable states to 28.8% in the least.
Read: https://t.co/PA0YVzLXYZ
This is bad news for sellers, but good news for buyers. Less competition means greater chance for deals on homes. Let's talk about how to get you into that home. #HallmarkFinancial#MortgageBroker#Realtor
NAR has measured first-time buyers annually since 1981 and data shows them at an all-time low: 21% of primary residence buyers, vs 40% before the Great Recession. The typical first-time buyer is now 40, underscoring today’s affordability and inventory challenges.
Property taxes rose nationwide in 2025, with the national effective rate climbing to 0.9%, the highest since 2020, according to ATTOM. The lowest effective rates are in Hawaii, Idaho, Wyoming, Arizona, and Alabama, with West Virginia posting the lowest average bill at $1,081.
Read: https://t.co/JOw1AL96AK