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Wednesday, January 14, 2026   /   by Joyce Dungca

The #1 Regret Sellers Have When They Don’t Use an Agent

 


Want to know the #1 thing homeowners regret when they sell without an agent? It’s that they didn’t price their house correctly for their current market.
According to the latest data from the National Association of Realtors (NAR), those sellers agree pricing their home effectively was the hardest part of the process.
Top 5 Most Difficult Task for Sellers Who Didn’t Use an Agent:

Getting the price right
Preparing or fixing up the house
Selling within the desired time frame
Handling all the legal documents
Finding the time to manage all aspects of the sale

And that makes sense. Pricing isn’t as simple as picking a number from an online estimate or copying what your neighbor got last year. It takes real insight into:

What buyers are actually willing to pay today
How much competition you have in your area
What similar homes nearby are really selling for
How desirable your area or neighborhood is
The ...

  team raj jaggi, buyers, sellers, housing market, home prices, home owners

Tuesday, January 13, 2026   /   by Joyce Dungca

Mortgage Rates Are Down a Full Percentage Point in One Year

 


Mortgage rates are down a full percentage point since last year. That recent drop doesn’t sound dramatic, until you realize how much it can already save you on the typical $400k loan. Compared to buying in January of last year, that saves you more than $330 a month and almost $120k over the life of your loan. That’s the difference just one year makes. If buying didn’t work for you last year, let’s re-run the numbers and see if 2026 could finally be your year. #MortgageRates #Affordability #KeepingCurrentMatters ...

  team raj jaggi, buyers, sellers, housing market, mortgage rates

Monday, January 12, 2026   /   by Joyce Dungca

The Credit Score Myth That’s Holding Would-Be Buyers Back

 


Would-be homebuyers aren’t sitting on the sidelines because they don’t want to buy. They’re sitting out because they think they can’t. And sometimes, it’s their credit score that’s holding them back.
According to a Bankrate survey, 2 out of every 5 (42%) Americans believe you need excellent credit to qualify for a mortgage. That may be why, when renters are asked why they don’t own yet, “my credit isn’t good enough” comes up often.
Maybe you’re in the same boat. You look at your score, see it’s not where you want it to be, and assume buying your first place just isn’t realistic right now.
But here’s what you need to know.
Even though a lot of people assume you need flawless credit to buy a house, that’s not necessarily the case.
You Don’t Need Perfect Credit To Buy a Home
So, where’s this myth come from? Part of the confusion stems from ...

  team raj jaggi, buyers, sellers, housing market, home buyers, credit score

Thursday, January 8, 2026   /   by Joyce Dungca

2026 Housing Market Forecast Snapshot

 
Wondering what 2026 has in store for the housing market? Here’s a quick snapshot of what the experts are saying. Mortgage rates are going to stay in the low 6s. There will be more homes to choose from. And price growth is going to slow down. That combination will help affordability improve even more this year, but it’s going to look different market to market. Want to know what’s expected for our area? DM me or drop a comment below. ##HousingMarketForecast # #KeepingCurrentMatters # #RealEstateUpdate ...

  team raj jaggi, buyers, sellers, housing market

Wednesday, January 7, 2026   /   by Joyce Dungca

Thinking about Selling Your House As-Is? Read This First.

 


If you’re thinking about selling your house this year, you may be torn between two options:

Do you sell it as-is and make it easier on yourself? No repairs. No effort.
Or do you fix it up a bit first – so it shows well and sells for as much as possible?

In 2026, that decision matters more than it used to. Here’s what you need to know.
More Competition Means Your Home’s Condition Is More Important Again
Over the past year, the number of homes for sale has been climbing. And this year, a Realtor.com forecast says it could go up another 8.9%. That matters. As buyers gain more options, they also re-gain the ability to be selective. So, the details are starting to count again.
That’s one reason most sellers choose to make some updates before listing. 
According to a recent study from the National Association of Realtors (NAR), two-thirds of sellers (65%) completed minor re ...

  team raj jaggi, buyers, sellers, housing market, real estate agents, home buying