Effects of Interest Rates on . . .

Why are real estate brokers harping on buying a house now due to low interest rates?? Here’s a visual! Your buying power increases as interest rates drop. There’s a huge difference between a $500,000 home and a $700,000 home. Alternatively, if your goal is to keep your monthly payment low but buy the more modest house, now is the time to do it because interest rates will keep your payments lower. Click here to go to the home buying section of my website.

Home Organization Inspiration

At Home with Nikki”
I don’t normally recommend YouTube channels but this lady’s home organization channel (At Home with Nikki) is simply MAGICAL! She’s super creative and inspirational. For me, when my home is in order, my mind is in order and that greatly reduces stress and fosters both relaxation and creativity. Doesn’t it suck the mental and physical energy to come home to a mess? Plus, the more time I save on cleaning and finding my things, the more time I have for personal and professional growth. PLUS, if I ever want to sell my house, I can do it fast, less stressed, and less costly. Let me know what you think of her channel or others YOU recommend! 


Are you a first-time home buyer afraid to take the leap? You continue to pay rent – money that never comes back to you when you move. Goodbye money 💸!

You DO pay a mortgage though – your landlord’s mortgage! AND you pay for the repairs too. People who buy real estate to rent take into account mortgage and repair/maintenance costs and calculate that into their rental rates before they even buy an investment property.

With interest rates super low right now, it IS a good time to buy. Take this house (pictured above) I sold in 2015. It was a cosmetic fixer purchased by first-time buyers in Seattle for just under $280,000. It’s now worth over $500,000. That’s about $44,000 per year of appreciation! That’s REAL MONEY when they’re ready to sell – money they didn’t have to sweat for at a job. When they sell, all that rent they paid themselves will be returned to them WITH appreciation. 💰💰💰 Although they pay interest, the appreciation FAR outpaces the interest and they will walk away with a major profit. Contact me about buying your own home!

Memorial Day 2020

A time to remember those who died for the freedom and liberty of others, because freedom is never free. 

May God continue to bless America as a result of the sacrifices of the many we gratefully pause to honor this Memorial Day weekend.

Freedom is the power to determine action without restraint. Liberty means freedom from arbitrary or despotic government or control. Our nation’s history is filled with heroes of liberty. Depending on which numbers one uses, somewhere around 1.3 million of our soldiers, sailors, airmen, and marines have died in wartime over the course of our nation’s history. Every single one of those million souls has a story of what they did and how they either knowingly or unknowingly put the cause of liberty ahead of their own well being.

Memorial Day was not intended simply for grilling, drinking beer, and having a good time. It was to remember those who died in wars to preserve liberty, to remember the 1.3 million Americans who died in the defense of liberty​.
“It is foolish and wrong to mourn the men who died. Rather we should thank God such men lived.”
– George S. Patton

Outlook for Interest Rates

A recent economist I respect said we should expect deflation over the next two years with inflation at the 3-5 year mark. Of course, no one has a crystal ball! These are assumptions based on what’s happening today and many things can happen to impact and change this assumption. Over the next one to two years, we believe that deflation is probably more of a risk than inflation. We expect that the recovery from the coronavirus downturn is likely to be slow, keeping inflation and interest rates low. As the economy mends, the Fed will gradually unwind some of its emergency lending. As loans get repaid, the Fed will let some of its holdings roll off its balance sheet, and start lifting interest rates—perhaps two or three years from now. We expect the Fed to keep the federal funds rate pegged near zero for at least two years, and 10-year Treasury yields to remain under 1% in 2020 and under 2% in 2021. Let’s remain positive and rooting for our communities and nation!
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