Tim Lucas

Homeownership through creative financing.

[Tim Lucas @hellofromtim]

Projected path of the fed funds rate after today's meeting.

[Tim Lucas @hellofromtim]

Where is it cheaper to buy a house than pay room and board? This is the case near 23 of 121 universities we analyzed.

Parents can save upwards of $30k buying a home for their college student to live in.

[QCAToday @QCAToday]

Re @QCBJournal re @MtgResearchNews says @CityofDavenport ranks N° 2 among the nation’s most affordable places for lovebirds, be they long-term or freshly-laid, to buy homes @hellofromtim @veteransunited Happy Valentine’s Day! ❤️💋👠Link to story @ https://t.co/dJZIt8q7tS. . .

[Tim Lucas @hellofromtim]

This Valentine's Day, there's more than one reason to find a life partner.

While a single income won't get you far in this housing market, a dual income might.

We looked at 200 metros to discover the most affordable places to buy a home as a couple on Valentine's Day 2025.

[Tim Lucas @hellofromtim]

@EchoPBC: "With inventory rising, homeowners who have had their home on the market for a long time and people who NEED to sell will eventually set the market. Look for some good buys early in the season."

https://t.co/8r9xbO6q3L

[Tim Lucas @hellofromtim]

2025 homebuying advice from @codybjugan: "Homebuyers may not want to wait around for prices to drop in 2025. If rates go lower, homebuyers will jump into the market, increasing housing demand and pushing up home prices even further."

More advice at: https://t.co/8r9xbO6q3L

[Tim Lucas @hellofromtim]

@OdestRileyJR: "Don't focus on the price of the home or the interest rate, focus on how much you can afford to pay monthly and still enjoy your life."

See 2025 advice for homebuyers from all 25 experts: https://t.co/8r9xbO6q3L

[Tim Lucas @hellofromtim]

@philippamain is one of the 25 experts weighing in on the 2025 housing market: "There is an influx of inventory in many areas. Buyers can take advantage by having more room to negotiate on price, repairs, and other contract terms."

All 25 experts' advice: https://t.co/8r9xbO6q3L

[Tim Lucas @hellofromtim]

@mortgagetruth's advice for 2025 homebuyers: "Given that everything else is negotiated, why not the agent's commission? If they charge 2.5%, ask them to lower it to 2%. On a $400k home purchase it’s $2,000 in savings."

Advice from all 25 experts: https://t.co/8r9xbO6q3L

[Tim Lucas @hellofromtim]

@SavvyBuyers advice for 2025 homebuyers: "Request a credit from their agent. If you plan to pay your agent 2% of the sales price, and the seller covers 1%, request that 1% as a credit toward closing costs."

See advice from all 25 experts: https://t.co/8r9xbO6q3L

[Tim Lucas @hellofromtim]

@DanSmokoska's advice for 2025 homebuyers: "Stop worrying about the things you can’t control like rates and home prices. Instead, focus on what you can control."

See homebuying advice from all 25 experts: https://t.co/8r9xbO6q3L

[Tim Lucas @hellofromtim]

$100k salary got you a lot of house just a few years ago. About 1.5x the U.S. median. Now, it doesn't even buy a median-priced home in the U.S.

[Tim Lucas @hellofromtim]

If you thought home prices have risen to unsustainable levels, check out @Starbucks Pumpkin Spice Latte prices. Up nearly 100% since 2005.

[Tim Lucas @hellofromtim]

Homes might feel less affordable than ever before, but the 80s were worse when factoring in interest rates. However, that doesn't diminish the fact that payments have doubled since 2020.

[Tim Lucas @hellofromtim]

Experts say you should spend 28% or less of your income on a house payment. That's becoming increasingly unrealistic for most of the country's higher population centers.

[Tim Lucas @hellofromtim]

Not many homebuyers have access to affordable homes.

[Tim Lucas @hellofromtim]

Can Trump really drive down mortgage rates to 2%? My take. https://t.co/U9GMBO9E32

[Tim Lucas @hellofromtim]

Mortgage rates are headed up after Trump wins a historic election. What's going on?
https://t.co/wjCaH0Fnxt

[Tim Lucas @hellofromtim]

How did mortgage rates fare under the last Trump presidency? Took about 2 yrs to top out before falling below 4% (before the pandemic). Where are rates headed 2025-2029?

[Tim Lucas @hellofromtim]

Where are mortgage rates going in 2025? Forecasts from six housing agencies in one chart.