When the air turns crisp in Northeast Ohio, it's easy to want to stay indoors—but as Journey sang in 1981 and kept playing on repeat through the late 80s and 90s, don't stop believin' in the magic of our local communities! November and December transform the Akron and Canton regions into a true winter wonderland filled with bright lights, local shopping, and cozy traditions.

Whether you're looking to buy a home in Stark County or settling into Summit County, here are the top lifestyle activities you shouldn't miss this holiday season.

1. "Walking in Memphis"... or Canton's First Friday?

Marc Cohn had us daydreaming about walking through Memphis in 1991, but around here, we prefer walking down the vibrant streets of downtown Canton! Kick off November and December by attending Canton First Friday. It's a monthly party celebrating local art, live music, and amazing food downtown.

• Explore: Canton First Friday

2. "Wild Wild West" Meets Wild Lights at Akron Zoo

Throwing it back to Will Smith's 1999 hit, things get a little wild around the holidays—in the best way possible! Wild Lights at the Akron Zoo features millions of dazzling lights, visits with Santa, and festive treats across the zoo grounds. It's one of the highest-rated family holiday events in Northeast Ohio.

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• Explore: Akron Zoo Wild Lights

3. Deck the Halls at Stan Hywet Hall & Gardens

If you want to feel like royalty (Cue "Smooth" by Santana feat. Rob Thomas, 1999), take a stroll through Deck the Hall at Stan Hywet Hall & Gardens. This historic 65-room Tudor Revival manor house is illuminated with over one million lights, featuring themed indoor trees, gingerbread houses, and courtyard fires to warm up with hot cocoa.

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• Explore: Stan Hywet Hall & Gardens

4. Score Big at the Pro Football Hall of Fame

Winter in Canton means football season is in full swing. Give your holiday guests an unforgettable outing at the Pro Football Hall of Fame. November and December feature special holiday promotions, interactive exhibits, and football history that sports fans of all ages will love.

• Explore: Pro Football Hall of Fame

Thinking of making a move? From historic Akron Ohio neighborhoods to charming suburban developments in Stark County Ohio. Cutler Real Estate is here to help you find your dream home this winter.

Oasis released "Wonderwall" in 1995, asking: "Because maybe, you're gonna be the one that saves me?" Well, these incredible Cincinnati holiday events are here to save your winter weekends from boredom! From the banks of the Ohio River to historic neighborhoods, the Queen City knows how to celebrate November and December in style.

1. PNC Festival of Lights at the Cincinnati Zoo

Recognized consistently as one of the best zoo light displays in the nation, the PNC Festival of Lights at the Cincinnati Zoo & Botanical Garden is a must-visit. Featuring 4 million LED lights, a black-light puppet show, and s'mores stations, it's pure magic.

• Explore: Cincinnati Zoo Festival of Lights

2. "Jump Around" at Elm Street Plaza Ice Rink

House of Pain had everyone jumping in 1992, and you can jump (or glide!) on the ice at the UC Health Ice Rink presented by Fifth Third Bank formerly at Fountain Square has relocated to the Elm Street Plaza for 2026. Located in the heart of downtown Cincinnati, it's perfect for ice skating, and festive city energy.

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• Explore: Elm Street Plaza Ice Rink

3. "Waterfalls" of Lights at Nights of Lights

TLC told us in 1995 not to go chasing waterfalls, but you should definitely drive out to Cincinnati's Nights of Lights . Stay warm in your vehicle as you drive through synchronized light tunnels set to classic holiday tunes for nearly 2 miles at the Warren County Fairgrounds!

• Explore: Cincinnati Nights of Lights

4. "Empire State of Mind" at Findlay Market

Jay-Z and Alicia Keys sang about the bustling energy of NYC in 2009, but Cincinnati's historic Findlay Market brings that exact vibrant market charm to Ohio! In November and December, Findlay Market hosts holiday markets, artisan pop-ups, and seasonal food tastings perfect for buying local gifts.

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• Explore: Findlay Market

Looking for your Queen City castle? Discover modern urban living or quiet suburban charm across Cincinnati with the experts at Cutler Real Estate.

Vanilla Ice dominated the charts in 1990 with "Ice Ice Baby", and while Central Ohio gets its fair share of winter chill, Columbus stays red hot with incredible holiday events throughout November and December! From twinkling downtown lights to bustling shopping centers, living in Columbus during the holidays offers something for everyone.

1. "Steal My Sunshine" at the Columbus Zoo Wildlights

LEN's 1999 hit was all about chasing the bright spots, and nothing brightens winter nights quite like Wildlights at the Columbus Zoo and Aquarium. Millions of LED lights, animated light shows set to music, and reindeer encounters make this a top-tier tradition for Central Ohio families.

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• Explore: Columbus Zoo Wildlights

2. "All Star" Shopping & Dining at Easton Town Center

Smash Mouth told us in 1999 that "all that glitters is gold," but at Easton Town Center, all that glitters is millions of festive holiday lights and a giant 50-foot Christmas tree! Easton offers premier holiday shopping, a holiday drone show, and dining options that make holiday prep a delight.

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• Explore: Easton Town Center

3. Stroll Through the Scioto Mile Lights

For a breathtaking city skyline view, take an evening walk along The Scioto Mile. Transformed into a glowing winter wonderland each December, downtown Columbus lights up the parkland along the riverbanks with vibrant hues.

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• Explore: Scioto Mile Parks

4. "Life is a Highway" – Head to the Conservatory

Tom Cochrane's 1991 anthem urges us to drive all night long, but your destination should be Franklin Park Conservatory and Botanical Gardens for Conservatory Glow. Walk among glowing light installations, outdoor displays, and warm indoor tropical gardens.

• Explore: Franklin Park Conservatory

Welcome Home to Columbus! Whether you want a cozy condo in the Short North or a family home in Dublin or Olentangy, let Cutler Real Estate guide your Columbus home search this season.

Welcome to a fun, whimsical twist on home upkeep! At Cutler Real Estate, we know that keeping your home safe, efficient, and beautiful shouldn't feel like a chore.

Deep in the autumn forest, Hansel and Gretel knew that cold days were fast approaching. Rather than relying on a trail of breadcrumbs that birds might eat, they left a clear trail of fall home maintenance tasks to prepare their cottage for the long, freezing winter ahead!

Before winter trickery catches you off guard, use our autumn home winterization guide to keep your house warm, safe, and cozy.

1. Warm Up the Oven... Er, Furnace!

Don't wait for the first freeze to realize your heating system is out of order:

• Schedule a certified HVAC professional to clean and inspect furnace burners, igniters, and safety controls.

• Replace furnace filters to keep clean air circulating throughout your home.

• Bleed radiator valves to release trapped air pockets in hot-water systems.

2. Clean the Chimney (No Witches Allowed!)

A roaring fire makes autumn evenings cozy, but creosote buildup in your chimney is a real danger:

• Have a professional chimney sweep clean flues and inspect brickwork annually.

• Test the damper to make sure it opens and seals tightly when closed.

• Inspect fireplace glass doors and firebricks for cracks.

3. Clear the Leaf Trail from Your Gutters

Falling leaves may look magical, but clogged gutters can cause terrifying winter ice dams!

• Scoop out leaves and debris after trees shed their foliage.

• Verify that gutter brackets are securely fastened to hold heavy snow weight.

• Ensure downspouts divert water well away from your foundation and walkways.

4. Seal Up Drafts Like a Gingerbread House

Keep icy breezes outside and cozy heat inside by sealing up drafty cracks:

• Caulk around the exterior window and door frames.

• Apply weatherstripping to doors and window sashes.

• Install shrink-wrap insulation kits on drafty single-pane windows.

5. Protect Your Plumbing Before It Freezes solid

Water expands when it freezes, which can burst pipes and create a nightmare:

• Disconnect and drain outdoor garden hoses, then store them indoors.

• Turn off indoor shut-off valves for outdoor faucets and drain remaining water.

• Have lawn sprinkler systems blown out with compressed air.
  
  

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  Ready to make your home buying or selling dreams come true? Visit Cutler Real Estate today to explore local listings and partner with our expert real estate team!
  

Want to buy a house this year, but not sure if the timing's right? Seasonally, it may actually be a better time to buy than you expect.

Yes, mortgage rates have been ticking up lately – and that's creating some real challenges with affordability. No one's arguing that. But there are also predictable trends that happen this time every year that can put some wind back in your sails.

According to research coming out of Realtor.com, nationally, the week of September 27 – October 3 will be the best time to buy this year for this very reason:

"The week of September 27–October 3 brings together the market conditions buyers value most—elevated inventory, less competition and prices that have eased from their seasonal high—giving prepared buyers a way to offset high rates with savings on price and room to negotiate with confidence."

But that's the national best week. Depending on where you live, your local sweet spot may come a little earlier or later (see map below):

It all depends on local trends and how inventory and buyer demand ebbs and flows seasonally where you want to live. But no matter when your market hits its peak, here are some of the perks you can expect this time of year.

More Choices, Better Prices, and Less Competition

For starters, there are more homes to choose from. In fact, data from the National Association of Realtors (NAR) shows the number of homes for sale recently reached its highest level in more than 10 years:

"NAR's data does show a strong uptick in for-sale inventory at the end of the summer, reaching the highest level in more than 10 years."

That means you may have a better shot at finding something you love and can afford without making as many compromises. And that's not the only advantage.

Realtor.com says buyers during this window could see home prices about $14,000 lower than the summer peak, along with 30% less competition from other buyers. Plus, homes tend to stay on the market almost 2 weeks longer (13 days), giving you a little more breathing room to make a decision. 

• More choices.

• Better pricing.

• Less competition.

That combination could be enough to ease some of the pressure higher mortgage rates are putting on your budget.

The Window Doesn't Close After This One Week

But you certainly don't have to buy during that very specific window. This isn't a one-week-only opportunity. History tells us conditions should be tipped in your favor for the entire month of October:

In fact, Realtor.com says 42 of the 50 largest metros see their best week to buy fall sometime during October. So, don't feel like you have to rush to hit one specific date. Use the time now to get things lined up, then jump in when the timing is right for you. As Guaranteed Rate explains: 

"The best time to buy a home depends on your needs. Certain seasons can give you an advantage when starting your homebuying journey."

Bottom Line

If you want to buy a house this year, there's still a way to make it happen, even with today's rates. This fall gives you the chance to get some of the best seasonal perks the market has to offer.

Want help figuring out when those advantages typically show up in our market?

Let's have a quick conversation about how our market works and the steps you'll need to take to get ready. 

Ohioans love their ice cream so much that the state has spawned its own Ice Cream Trail. Can't get enough of this tasty treat? Check out these favorite ice cream shops in Cleveland, Akron, and North Canton.

Top Ice Cream Shops Around Northeast Ohio

Apple Cart

4313 Superior Ave., Cleveland, OH 44103

Find out firsthand why Apple Cart has been cited as one of the best soft-serve ice cream spots in America. The shop is housed in a modest storefront that belies its status as a local icon.

Go beyond the basics with one of these specialty treats on the menu:

• Arctic Swirl, Apple Cart's take on a Blizzard
• Caramel Apple Sundae
• Banana Boat

Hours are noon - 7 p.m. daily except Tuesday, when closing time is 5:30 p.m.

Sweeties Soda Shoppe

6770 Brookpark Road, Cleveland, OH 44129

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Sweeties Soda Shoppe brings the classic ice cream parlor into the 21st century. Take a seat at a table or pull up a chair at the counter to enjoy your choice of 36 flavors of homemade ice cream or 300+ soda varieties.

Distinctive features include:

• Open-kitchen format
• Sundae topping dispensers and topping bar
• Whipped cream, hot fudge, waffle cones, and chocolate syrup made in-house

Hours are noon -11 p.m. daily except Sunday, when doors close at 9 p.m.

Hip Hop Smoothie Bar

1300 W. 9th St., Suite 300, Cleveland, OH 44113

Hip Hop Smoothie Bar invites you to create your own "mixtape" of ice cream, milkshakes, and smoothies with your choice of add-ins and toppings. If you're really hungry, start out with one of their wraps or thin-crust pizzas.

Many items have a whimsical music-themed name, such as:

• Cereal Remix, which is a strawberry milkshake with Frosted Flakes, Fruity Pebbles, and Reese's
• Blue Electric Dance Bowl with tropical fruits, bee pollen, granola, and coconut flakes
• Mini Crispy Waffle Collab, a "sandwich" with grilled or crispy chicken topped with fresh strawberries and powdered sugar

Hip Hop Smoothie Bar is open 10 a.m. - 8 p.m. Monday and Tuesday, 10 a.m. - 9 p.m. Wednesday through Friday, 11 a.m. - 9 p.m. Saturday, and noon - 8 p.m. Sunday.

Chill Artisan Ice Cream

209 S. Main St., Suite 2, Akron, OH 44308

Appropriately located in Akron's Historic Arts District, Chill Artisan Ice Cream brings a true artisan approach to gourmet ice cream. Inspired by childhood experimentation with their home ice cream maker, the Jaworski brothers apply a "food sensibility" to flavors such as French Toast & Bacon, Bourbon Granola, and Whiskey Pistachio Brittle.

Vegetarians and vegans can also indulge in creative flavors:

• Key Lime Coconut
• Fudgsicle
• Dr. Pepper Sorbet

Hours are noon - 7 p.m. every day but Monday.

Pav's Creamery

3769 Manchester Road, Akron, OH 44319

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Opened in 1969, Pav's Creamery still uses the old-school Soeder Sons Batch machines from iconic Euclid Beach Park. When the Micochero family purchased the shop from founder Robert "Pav" Pavlik, they upped the game with custard, ice cream, yogurt, and sorbet made fresh daily.

Here are a few of the Flavors of the Week scheduled for this summer:

• Strawberry Jam Shortcake / Strawberry Pretzel Palooza (6/15-6/21)
• Fluffernutter (7/6-7/12)
• Buckeye Fudge (8/24-8/30)

Pav's Creamery is open seven days a week from noon - 9 p.m.

Waylon's Handcrafted

3979 S. Main St., Akron, OH 44319

Waylon's Handcrafted proudly proclaims to be "mom-owned and family-inspired." Jenn Myers was inspired to open the shop after travel adventures with her husband and named it for their son, Waylon.

Live dangerously with dessert-for-lunch with one of their gourmet ice cream sandwiches on freshly-baked cookies:

• 4 Love of Chocolate
• Biscoff Coffee
• Mint Chip

Waylon's Handcrafted is open noon - 9 p.m. Monday through Saturday and noon - 8:30 p.m. Sunday.

Swensons Drive-In

1558 N. Main St., North Canton, OH 44720

Take a trip back in time with a visit to Swensons Drive-In. Wesley T. "Pop" Swenson went from selling burgers out of his station wagon in front of Buchtel High School to a classic drive-in format with carside service.

While Swensons is well-known for their ice cream, the restaurant also features some legendary savory and beverage items on their menu:

• The Galley Boy, a double cheeseburger layered with Swen Red and Swen White sauces and secured with a green olive pick
• Potato Teezers, fried nuggets of potato, cheese, and mild jalapeños
• Whips, made with soft serve and your choice of fountain soda and shot of flavor

Hours are 11 a.m. - 1 a.m. Sunday through Thursday and 11 a.m. - 1:30 a.m. Friday and Saturday.

Handel's Homemade Ice Cream

2191 E. Maple St., North Canton, OH 44720

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Founded in 1945, Handel's Homemade Ice Cream still employs many of the methods and recipes of their namesake. Alice Handel famously used fresh ingredients from her backyard garden to make each batch of ice cream by hand.

Throughout the years, Handel's Homemade Ice Cream has been recognized by nationally respected publications such as:

• USA Today
• National Geographic
• Newsweek
• Entrepreneur Magazine

Handel's Homemade Ice Cream is open seven days a week from 11 a.m. - 10 p.m.

Ro's Custard Creations

1166 S. Main St., North Canton, OH 44720

No need for GPS when you're heading to Ro's Custard Creations. Just look for the giant candy-colored rooftop sign that's a local landmark.

The pet-friendly shop leaves ice cream to others, offering custard and frozen yogurt for cones, cups, and specialty treats such as:

• Blizzard-like Concretes, available in a dozen different flavors
• Sundaes topped with Heggy's hot fudge
• Root beer floats and Boston coolers

Ro's Custard Creations is open 11:30 a.m. - 9 p.m. Monday through Saturday and 1 - 9 p.m. Sunday.

I Scream, You Scream...

If you could have only one ice cream flavor for the rest of your life, what would you choose?

When it comes to shopping, particularly for clothing, boutiques are unmatched in offering quality, on-trend merchandise. Instead of focusing on a huge selection of clothing, they offer carefully curated items. And when you're shopping, you'll receive personalized suggestions and advice from the owner or knowledgeable shop employees who can help you find just the right pieces for your needs and style.

When you're ready to shop, head to some of the following trendy local boutiques in Columbus.

Ladybird

772 N. High St., Columbus, OH 43215

Ladybird offers one-of-a-kind fashions to outfit you from head to toe, combining modern ease with timeless sophistication. Your choices will include fashions from emerging designers as well as those from popular designers. Whether you need a dress or loungewear, or want to give your outfits the perfect finishing touch with just-right accessories like sunglasses, shoes, or bags, you'll find them here. And if you need some expert guidance with your wardrobe, the owner offers personalized services, including:

• Closet editing
• One-on-one consultations
• Private shopping experiences

THREAD

1110 Chambers Road, Columbus, OH 43212

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Sometimes you need a once-in-a-lifetime outfit you want to fuss over, but far more often, you're wearing more everyday clothes. You won't have to settle for looking less than your best, but can have your choice of items that make you look and feel terrific without a lot of fuss. That's why THREAD prides itself on providing easy outfits for real life, with pieces from designers including:

• Anine Bing
• Ulla Johnson
• Veronica Beard

Before you stop by the boutique, check out their website for new clothing arrivals that are styled the way you'd actually want to wear them. And to finish your outfit in style, shop for accessories including shoes, bags, scarves, hats, and belts.

hosful Collective

64 Parsons Ave., Columbus, OH 43215

Located in Columbus' Olde Towne East Community, hosful Collective is a unique boutique that offers new, vintage, and consignment fashion and accessories as well as giftable items. It's dedicated to providing a place where local creatives, designers, and entrepreneurs can sell their wares in a cool, welcoming spot. Come browse for items for your home, body, lifestyle, and office, and after you've made your purchases, Hosful Collective's convenient location allows you to easily visit some of the area's best breweries and restaurants that are located just steps away.

Small Talk

3337 N. High St., Columbus, OH 43202

A visit to Small Talk will probably result in you finding some amazing items you've been looking for as well as treasures you didn't know you needed. Each item the boutique carries, in categories including clothing, home goods, and body care, is thoughtfully chosen by the shop's owners. You'll find apparel from popular designers including

• Atelier Delphine
• Eliza Faulkner
• Kowtow

Complete your outfit with stylish accessories from BAGGU, Yam NYC, and Beklina. And shoppers are also invited to browse in Small Talk's consignment items or to consign goods of their own.

Rowe Boutique

688 N. High St., Columbus, OH 43215

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From its beginnings as a pop-up shop, Rowe Boutique opened its doors just a year later, and today, after several expansions, the store offers unique collections of creations from contemporary and emerging designers. Whether you're looking for an outfit for a special occasion or are building a wardrobe of fashionable staples for everyday wear, you'll find it at Rowe Boutique. Many types of clothing, accessories, fine jewelry, and beauty products are available to help you look your best and feel confident.

Stella & Grace Boutique

654 N. High St., Columbus, OH 43215

The goal of Stella & Grace Boutique is to provide flattering fashions that help shoppers feel confident and stylish. Jeans are a particular area of focus, and you're invited to take a quick online denim fit quiz to help find ones that actually fit your body, since this can often be a challenge for shoppers of every size. You can get more help and information when you visit the neatly arranged shop and browse their stylish collections of items, including:

• Tops
• Dresses
• Accessories
• Jackets
• Sweaters

White Lemon

751 N. High St., Columbus, OH 43215

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You'll be able to keep your closet fresh by visiting White Lemon, created by and for busy women to provide the most thoughtful shopping experience. Located in the historic Greystone Building, the boutique sells trendy yet affordable women's clothing and accessories. With selections including tops, bottoms, dresses, activewear, and shoes, you can shop for an entire outfit or the pieces you need to complete your wardrobe. For additional savings, visit the boutique's website and use the pop-up box to sign up for a discount.

Tigertree

3301 N. High St., Columbus, OH 43202

You'll be able to shop for yourself and many people in your life at Tigertree, which offers items ranging from apparel to wall decor and plenty in between. The boutique is known for carrying a large selection of products from Baggu, which makes eco-friendly, high-quality goods such as totes and bags in a beautiful array of colors. Apparel items include men's, women's, and unisex selections. The following items, along with many more goodies, are available:

• Books
• Kitchen items
• Journals
• Jellycat plush animals

Find Your Next Stylish Columbus Boutique

Can't get your morning started without a good cup of coffee? Neither can we. Our agents rely on the many great coffee shops scattered around Northeast Ohio to keep them fueled up and ready to serve our clients. Check out these outstanding coffee shops around Cleveland, North Canton, and Akron to find your new favorite place to get your morning caffeine fix.

Lionheart Coffee 

530 Euclid Ave., Cleveland, OH 44115 

With a menu full of eye-catching coffee drinks, Lionheart Coffee knows how to make a cup of joe that looks just as good as it tastes. They serve drip and pour-over coffee, cold brew, and a variety of espresso drinks. All of their coffee options can be made with alternative milks and flavored syrups, including pistachio, almond, and coconut.

We're especially fond of their Lionheart Latte, a rich drink made with bourbon-style caramel, ginger, and cinnamon. Want a drink that will wow your Instagram followers? Their enchanting Blue Lion latte is made with honey, lavender, and a dash of butterfly pea powder for that distinctive blue hue. 

You can visit this shop from 7 a.m. to 6 p.m. Monday through Saturday or from 8 a.m. to 6 p.m. on Sundays. Order your drink at the counter or use their app to order ahead and get served faster when you arrive.  

27 Club Coffee 

1215 W. 10th St., Cleveland, OH 44113 

27 Club Coffee is a hot hangout spot in downtown Cleveland owned by rapper Machine Gun Kelly. They specialize in bold, visually striking drinks like The Pink Latte (a delightfully colorful coffee drink made with pink milk and a pink sugar rim) and the Black Swan Mocha (mocha-infused espresso topped with a chocolate swan design).

The café is open from 7 a.m. to 5 p.m. Monday through Thursday and from 7 a.m. to 9 p.m. on Fridays and Saturdays, and from 7 a.m. to 6 p.m. on Sundays. In addition to coffee, they also serve breakfast foods, sandwiches, wraps, and pizza.  

Roasted Tremont  

2275 Professor Ave., Cleveland, OH 44113 

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Roasted Tremont is a cozy coffee corner nestled in a small brick storefront on Professor Avenue. They often host social events like workshops and board game nights, and they offer a DIY mug-painting activity that earns you a discount each time you reuse the mug when ordering.  

Their summer menu centers on cold drinks, including the Coconut Cooler (a shaken espresso over ice with coconut, then syrup, and coconut shavings on top) and the Honey Buzz (a cup of cold brew with honey and sweet cream, doused in honey-cinnamon cold foam). They also serve an excellent tiramisu affogato, a caffeinated treat made with double espresso poured over rich vanilla ice cream and drizzled with chocolate syrup.  

You can visit the shop from 7 a.m. to 6 p.m. on weekdays and from 8 a.m. to 6 p.m. on weekends. Their special events tend to happen later in the day and are usually announced on their social media pages.

Shale Craft Coffee 

1160 S. Main St., North Canton, OH 44720 

Shale Craft Coffee operates from inside a remodeled gas station on the corner of South Main Street and Mississippi Street SE. We can't get enough of their vegan Oatmeal Cookie drink, coffee mixed with oat milk and spiked with vanilla and cinnamon. We also love the timeless peanut butter and chocolate combo showcased in their Buckeye Blitz, but be warned: it's so sweet and rich that it feels more like a dessert than a morning pick-me-up. 

They're open from 7 a.m. to 4 p.m. every day of the week. Add one of their muffins, bagels, or breakfast sandwiches to your coffee for a quick meal.  

Whole Latte Love Cafe 

1308 S. Main St., North Canton, OH 44720 

Whole Latte Love Cafe is a coffee shop with a special purpose: to provide meaningful on-the-job training for North Canton residents living with disabilities. They serve a small but well-rounded drink menu full of classic options like mochas, cappuccinos, caramel macchiatos, and hazelnut frappes, all of which can be customized with more than two dozen flavored syrups.  

The café is open from 9 a.m. to 2 p.m. every weekday but is closed on weekends. They serve simple breakfast and lunch foods every day, as well as small goodies like snack boxes and pastries to tide you over until your next meal. 

UnionPark Coffee and Cocktails 

4700 Everhard Road NW, Canton, OH 44718 

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Union Park Coffee and Cocktails is both a coffee shop and a cocktail bar, switching gears in the evening to focus on alcoholic drinks. During the day, you can order your coffee hot or iced (including cold brew and pour-over options) and with whichever flavored syrup strikes your fancy. Don't forget to try something from their limited-time summer menu: We love the Golden Berry Latte, a bright and tangy coffee creation made with strawberry syrup and honey.  

This shop is open 7 a.m. to 6 p.m. from Sunday to Wednesday, 7 a.m. to 10 p.m. on Thursdays, and 7 a.m. to midnight on Fridays and Saturdays. Remember, they serve coffee drinks only in the morning and afternoon.  

Akron Coffee Roasters 

30 N. High St., Akron, OH 44308 

Akron Coffee Roasters serves brewed cups of their own signature coffee blends at their High Street storefront. Their nitro cold brew is perfect for summer,  offering all the creamy sweetness that this coveted type of coffee is known for.  

If you're interested in something a bit more offbeat, try their Espresso Tonic: a fizzy mix of espresso and either regular or elderflower tonic with a hint of lime juice. Avoiding cow's milk? Their Maple Almond Cortado is made with steamed almond milk and real maple syrup, and can be ordered hot or cold, depending on preference.  

They're open every weekday from 7 a.m. to 3 p.m. and on Saturdays from 8 a.m. to 3 p.m. Stop by for your cup of joe and pick up a bag of ground coffee or coffee beans to take home too.

Artisan Coffee 

662 S. Canton Road, Akron, OH 44312 

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Sipping a cup of coffee in Artisan Coffee's cozy wood-paneled dining room is a great way to jump-start your morning in Akron. Their Strawberry Cream Cold Brew pairs their smooth cold-brew mocha with vanilla syrup and pale pink, strawberry-infused cold foam to create a refreshing drink perfect for hot summer days. If you prefer your coffee hot, you can't go wrong with the brown sugar, maple, and cinnamon notes of their French Toast Latte. 

The shop operates from 6:30 a.m. to 9 p.m. on weekdays and from 7:30 a.m. to 8 p.m. on Saturdays. They serve simple breakfast plates and wraps until 10:30 a.m. and always have some muffins and gluten-free baked goods ready for customers to snack on.  

Angel Falls Coffee Company  

792 W. Market St., Akron, OH 44303 

The elegant dining room and patio at Angel Falls Coffee Company are always buzzing with students and young professionals from all over downtown Akron. Their summer coffee menu features drinks with distinctly fruity flavors, including the Malibu Sunset (a latte with notes of white chocolate and orange, plus a hint of ginger and nutmeg) and the Blueberry Hill (a mildly tart treat made with a blend of blueberry and caramel syrup). 

They're open from 7 a.m. to 9 p.m. Monday through Saturday and from 9 a.m. to 9 p.m. on Sundays. If you're hungry, they serve simple foods like soups, salads, and sandwiches as well as a variety of house-made pastries and candies.  

Power Up Your Morning Routine 

Which of these Northeast Ohio coffee shops will you visit for your next morning caffeine boost? 

Cincinnati's craft beer scene attracts beer lovers from all over the country. With so many large and small breweries around town, you won't have to travel far to find a cool spot to hang out with friends and try new pours. Whether you enjoy IPAs, lagers, or stouts, ordering a beer flight makes it easy to sample multiple styles. Many of these breweries also offer lively taprooms, outdoor patios, and rotating events that can make your visit a unique experience. We pulled together a list of nine standout breweries around Cincinnati and Northern Kentucky, where you can discover your new favorite brew.

Rhinegeist Brewery

1910 Elm St, Cincinnati, OH 45202

Ohio's most popular craft brewery has to be at the top of our list. Rhinegeist Brewery is a Cincinnati staple, and with so many great beers to choose from, ordering a flight only makes sense. With new beers coming out every year, there is always something new to try. Relax in the taproom, which often hosts fun events throughout the week, or hang out with friends on the rooftop bar. Cornhole, ping pong, and other games are available, too. We highly recommend taking a tour of the historic brewery and bottling site before you leave. 

Big Ash Brewing

5230 Beechmont Ave., Cincinnati, OH 45230

Enjoy Cincy's first self-serve tap system, equipped with beer, wine, and hard seltzer. Enjoy 28 pour-your-own taps at Big Ash Brewing. This fun destination has indoor and outdoor seating and plenty of space. Big Ash has also teamed up with LaRosa's Taphouse to offer pizza, salads, apps, and more. Trivia nights, live music on the weekends, and the dog-friendly, covered outdoor patio make this a fantastic summer hangout spot.

MadTree Brewing

3301 Madison Road, Cincinnati, OH 45209

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The Oakley Taproom at MadTree Brewing has been voted Cincinnati's best local taproom three years in a row. From craft beer to vodka sodas, this brewery offers a wide variety of beverages, so you'll find something for everyone. Plus, they're constantly rotating in new seasonal drinks. If you're looking for a bite to eat, pizza, sandwiches, and snacks are available.

Esoteric Brewing Co.

918 E. McMillan St., Cincinnati, OH 45206

Located in Walnut Hills, Esoteric Brewing Co. is a true community hub and event space. This brewery serves high-quality beverages made with pure, locally-sourced, organic ingredients. The dimly lit taproom is also full of unique art. For something light and refreshing, try the Walnut Hills Lager, or, if you'd prefer a fruity IPA, the Lotus IPA is a good choice. Stop by for brunch, trivia nights, and karaoke throughout the week.

Fabled Brew Works

331 Kenton Lands Road, Suite 300, Erlanger, KY 41018

With a whopping 34 beers on tap, flights are the best way to sample the variety at Fabled Brew Works. The storybook-themed interior combined with a great selection of beer makes for a memorable experience. You'll love the family- and dog-friendly covered patio, which can seat up to 40 people. Food trucks are scheduled every day for lunch and dinner. 

Streetside Brewery

4003 Eastern Ave., Cincinnati, OH 45226

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With 24 beers on tap and many more in cans, grabbing a flight at Streetside Brewery is the perfect way to try them all. This family-friendly (including dogs) brewery often hosts food trucks, making it a great place to chill on weekend afternoons. Beer is made onsite in the state-of-the-art brewing facility, which sits directly below the taproom. The great variety and outdoor patio make this one of Cincy's best. 

Braxton Brewing Company

8901 US-42, Union, KY 41091

A huge brewery with great pours, plenty of TVs, and a partnership with Dewey's Pizza and Graeter's Ice Cream, Braxton Brewing Company in Union is the ultimate family-friendly weekend destination. Whether you're looking for a place to catch the game, relax with friends, or let the kids run around, Braxton Brewing has something for everyone.

West Side Brewing

3044 Harrison Ave., Cincinnati, OH 45211

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The Hefeweizen and Citrus Wheat are two of our favorite West Side Brewing pours, but there are dozens of options to choose from. This brewery is in the heart of Town Hall District in Cincy's west side. They also partner with Catch-A-Fire Pizza to serve delicious wood-fired pizzas. Beer is brewed onsite, and the spacious taproom offers a cool, modern vibe and plenty of seating.

Brink Brewing Company

5905 Hamilton Ave., Cincinnati, OH 45224

This friendly neighborhood brewery has a nice selection of light, dark, hoppy, and fruity beers on tap. Brink Brewing Company offers a fun, garage-style taproom with plenty of space and TVs. While they aren't equipped with a kitchen, they have a "bring your own food" policy, and there are plenty of good restaurants within walking distance. 

Sip, Savor, Repeat

Where will your Cincinnati beer tour take you?

Fresh air may not actually make food taste better, but you can't beat the ambiance. Celebrate the return of patio season at these delightful outdoor dining spots around Columbus.

Top Outdoor Dining Spots in Columbus, OH

The Walrus

143 E. Main St., Columbus, OH 43215

With a prime spot overlooking Main Street, the patio at The Walrus is often cited as one of the best people-watching venues in Columbus. Mark your calendar for Sunday, 5/17, when The Walrus will be hosting an all-day party for their 11th anniversary with half-off any entree.

Stop in for weekend brunch, featuring creative dishes such as:

• Fajita omelet
• Candied bacon melt
• Fried French toast

The Walrus is open 11 a.m. - midnight daily except Friday and Saturday, when closing time is 2:30 a.m.

Understory

2571 Neil Ave., Columbus, OH 43202

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Understory is one school where you won't mind staying after hours. Located in the historic Open Air School just off the scenic Olentangy Trail, Understory features a comfortable Commons that opens onto a dog-friendly patio. 

Check out some of the upcoming special events:

• Mother's Day Market (10 a.m. - 4 p.m. on Sunday, 5/10)
• Wetlands Walk (10 a.m. - 3 p.m. on Sunday, 5/17)
• Live music (every Wednesday from 5 - 8 p.m.)

Hours are 11 a.m. - 11 p.m. Tuesday through Thursday, 11 a.m. - midnight Friday and Saturday, and 11 a.m. - 10 p.m. Sunday.

Lincoln Social Rooftop

711 N. High St., Columbus, OH 43215

Perched atop nine stories, Lincoln Social Rooftop is literally "above it all." The 21-and-over restaurant makes a great choice for post-workday Happy Hour or an elegant yet relaxing dinner.

Try one of their craft cocktails, including:

• Desert Bloom Mule, with pear and rhubarb flavors
• Mojito, featuring a hint of lavender
• Amaretto Sidecar, made with Grand Marnier and lemon

Hours are 4 - 11 p.m. Tuesday through Thursday, 4 p.m. - 1 a.m. Friday, 3 p.m. - 1 a.m. Saturday, 3 - 10 p.m. Sunday.

Stories on High

404 N. High St., Columbus, OH 43215

Come for the clever name and stay for the stunning views at Stories on High. At 28 stories above ground level, Stories on High boasts the distinction of being the tallest rooftop restaurant in Columbus.

Don't miss the nightly Omakase experience, a chef's-choice seven-course meal that may include dishes such as the following:

• Kushiyaki beef with crab miso butter
• Wagyu rice bowl topped with salmon roe
• Green tea ice cream

Hours are 4 - 11 p.m. Tuesday through Thursday and 4 p.m. - 1 a.m. Friday and Saturday. Stories on High is for guests age 21 and up.

Little West Tavern

77 Belle St., Columbus, OH 43215

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Planning a dinner outing with the family? Skip the fast-food joints and head to Little West Tavern, where Fido is also welcome out on their patio.

Little West Tavern ups their bar-food game with a poutine window on the patio, where you can order the following:

• OG Poutine with white cheddar curds, shredded sharp cheddar, OG gravy, and scallions
• Nashville Poutine with crispy chicken, white cheddar curds, spicy chicken gravy, chopped pickles, and special sauce (vegan option available)
• Breakfast Poutine, which is the OG Poutine with the addition of smoked bacon and a sunny-side-up egg

Lunch and dinner are served seven days a week. Visit the website for hours.

Hofbräuhaus Columbus

Grandview Yard, 800 Goodale Blvd., Columbus, OH 43212

Enjoy a beloved German tradition when you dine in the biergarten at Hofbräuhaus Columbus. Friendly servers will provide fresh water for Fido as you sip one of the flagship or seasonal beers from Hofbräuhaus.

Explore classic German cuisine with some of these great dishes:

• Potato pancakes served with applesauce and sour cream
• Schnitzel, a deep-fried pork cutlet accompanied by German potato salad, fried cabbage, and cranberry sauce
• Sausage combo platter with bierwurst, bratwurst, and mettwurst

Hofbräuhaus Columbus is open 11 a.m. - 10 p.m. Sunday through Thursday, 11 a.m. - 11 p.m. Friday, and 11 a.m. - midnight Saturday.

The Boat House 

679 W. Spring St., Columbus, OH 43215

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Outdoor dining takes on a new dimension at The Boat House's riverfront setting. Panoramic views of the Scioto River and Columbus skyline create a stunning backdrop for a meal showcasing seafood, steaks, and seasonal ingredients.

Start the night out right with a selection from the raw bar:

• Caviar chips & dip
• Spicy tuna 
• Signature seafood tower with lobster tail, oysters, shrimp cocktail, spicy tuna, snow crab, and caviar dip

Dinner is served 4 - 9 p.m. Wednesday through Sunday, with weekend brunch available from 11 a.m. - 3:30 p.m.

Cap City Fine Diner & Bar

1299 Olentangy River Road, Columbus, OH 43212

Cap City Fine Diner & Bar perfectly bridges the distance between past and present. The upscale diner features classic counter seating overlooking the open kitchen as well as a semi-enclosed patio.

The menu levels up comfort food with mouthwatering selections such as:

• Pecan-crusted pork chops
• Meatloaf melt
• Tamarind-glazed chicken wings

Cap City Fine Diner & Bar is open for lunch, dinner, and weekend brunch. Visit the website for hours.

Standard Complex

1100 N. High St., Columbus, OH 43201

With multiple connected venues in a 20,000-square-foot space, Standard Complex provides endless entertainment for the whole family. In addition to a spacious patio, there's a restaurant, live music bar, and arcade.

Challenge family and friends to one of the games on the pet-friendly patio:

• Giant Jenga
• Cornhole
• Trash pong
• Dunk tank (on special events)

Visit the website for full schedule.

Food + Fresh Air = Fun

What's your go-to treat when dining outdoors in Columbus?

Spring is in full swing, and those of us with green thumbs couldn't be happier about it. If you've been wanting to work on your garden this year, now is the perfect time to dive in. North Canton and Akron's many nurseries and garden centers have everything you need to make the most of our area's planting season. Visit these popular local garden retailers to pick up plants, supplies, and a hearty dose of inspiration.

Aquatic Gardens of Ohio 

932 S. Main St., North Canton, OH 44720 

Not all gardening happens when you're up to your elbows in potting soil. Aquatic Gardens of Ohio stocks everything you need to make your garden's pond shine this spring, including pond plants like water lilies and duckweed, and pond supplies like filters, pumps, and liners. 

If you want to stock your pond with fish, they've got live goldfish, koi, and other hardy species that can survive an Ohio winter. Their staff can also give you tips on how to take care of your pond if this is your first spring with one on your property. Getting it set up properly from the start will make maintenance much easier when summer rolls around. 

Petitti Garden Center  

5656 Dressler Road NW, North Canton, OH 44720 

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Petitti Garden Center grows almost all of the plants they sell in company greenhouses, ensuring that only the best ones make it onto the store's shelves. You'll find a wide selection of annuals and perennials here, including color-coordinated selections available through the store's Color Your Garden product line.  

They've also got showstopping roses and hydrangeas (some of our favorite options to boost curb appeal quickly!) and plenty of trees and shrubs that are perfect for adding shade and making colorful flowers pop. They even offer planting services for homeowners looking for a little extra help establishing their garden.  

North Canton Repair Shop and Greenhouse 

1555 N. Main St., North Canton, OH 44720 

North Canton Repair Shop is your one-stop shop for landscaping supplies here in town. In springtime, they stock their greenhouse full to bursting with freshly grown plants and the supplies you need to help them thrive. Visit the shop's North Main Street location to pick up potted plants to brighten up your indoor spaces or hanging baskets full of pretty blossoms like geraniums and petunias.  

If you're working on your garden beds, shop their selection of established saplings, shrubs, flowers, and ferns that are ready to take root. Their selection of tools, like spades and watering cans, has everything you need to get started. 

Greens & Things Nursery  

4004 Applegrove St., North Canton, OH 44720 

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The same family has run Greens & Things Nursery for more than 45 years, and they're thrilled to be opening their greenhouses again this spring. Stop by this plant paradise to browse dozens of different annuals and perennials, and a few tropical plants like hibiscus and parlor palms—and don't forget to pick up some mulch, potting soil, and peat moss to help your new purchases thrive! 

Have you been wanting to try hardscaping? They've got an incredible selection of landscaping stones, including patio tiles and stones for garden walkways. If you're lucky, you might even score a one-of-a-kind piece of salvaged antique garden decor. 

Canton Road Garden Center 

1881 S. Canton Road, Akron, OH 44312 

Canton Road Garden Center's 12,000-square-foot nursery and greenhouse is a dream come true for anyone with a green thumb. They carry a wide range of annuals, perennials, hostas, and ferns with a few rare tropical blooms thrown in for good measure. They're especially proud of their collection of Proven Winner® annuals, eye-catching flowers that are consistently popular with their customers.  

Want to spruce up your garden with some ornamental pots, statues, or fountains? They've got those too. They're also partnered with Monrovia Nursery Company, offering in-store pickup of any Monrovia plants you buy online.  

Graf's Garden Shop 

1015 White Pond Drive, Akron, OH 44320 

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Graf's Garden Shop has everything you need to get your garden flourishing this spring. You'll love getting your planting started with their house-made mulch and topsoil, organic growth aids packed with essential nutrients to help your budding plants grow. They also sell established plants, including herbs like basil and mint, flowers like petunias and coneflowers, and even fruit and vegetable plants.  

Don't forget to pick up some fresh, locally grown flowers and produce at the shop's farm market. You'll need good food to fuel all that planting!

Akron's Finest Mulch Garden Center 

1285 N. Cleveland Massillon Road, Akron, OH 44333 

Akron's Finest Mulch Garden Center might not sound like the most exciting place to shop for plants, but they've got much more than mulch and soil on their shelves. Visit their Akron shop to find more shrubs, blooming flowers, trees, and houseplants than you can shake a stick at. They're always adding new plants to their stock, so check back often to see what new finds are waiting for you.  

Kern's Florist and Greenhouse 

2438 Canton Road, Akron, OH 44312 

Kern's Florist and Greenhouse puts a new spin on classic garden center offerings with their handcrafted greenhouse collections. Their adorable planters and baskets are filled with a curated section of live flowers and plants that you can keep intact or place in a special spot in one of your garden beds.  

If you're more of an indoor gardener, rejoice: They have oodles of potted trees and leafy plants as well as a few assortments of indoor plants like succulents, ferns, and peace lilies. 

It's Time to Get Your Hands Dirty 

What will you plant in your Akron or North Canton garden this year? 

If you're one of the thousands of homebuyers waiting for rates to fall, you should know it's already happening. And they recently crossed an important milestone. Rates officially dipped their toes into the 5s – something that hasn't happened in about 3 years.

This moment marked a critical threshold. Now, rates are sitting in the low 6% territory. And expert forecasts project they'll hover near this range throughout the year.

Here's why that's so good for you.

Why Current Rates Are Such a Big Deal

A mortgage rate doesn't just affect the interest you end up paying on your home loan. It shapes your entire buying experience.

When rates were up around 7% just one year ago, a lot of buyers felt priced out. Payments were higher. Budgets felt tighter. Affordability was a bigger challenge. That's especially true for first-time homebuyers, who felt the biggest pinch.

But according to industry experts, that's starting to change now that rates are slowly inching down. Let's break down why.

Right now, borrowing costs are in their lowest range in almost 3 years. And that can change the type of home you can afford.

At 6% or below, you'll see:

• Lower monthly payments. The payment on a $400k home loan is down over $300 compared to when rates were around 7%.
• More buying power, thanks to the extra breathing room in your budget.

In other words, you can now make a stronger offer, purchase in a different location, or buy a home that checks more of your boxes. And that feels like a big shift compared to when rates were at 7%.

This Opens the Door for 550,000 Buyers

To drive home just how much this helps potential homebuyers like you, consider this research from the National Association of Realtors (NAR). It shows that when mortgage rates sit around this level, millions more households can afford a home. When rates are at 6% or below:

• 5.5 million more households can afford the median-priced home
• And roughly 550,000 of those people will likely buy a home within 12 to 18 months

That's not just speculation. That's pent-up demand finally getting the green light they've been waiting for. You've got the chance right now to get ahead and buy before more people notice the game has just changed.

Because whether rates stay in the low 6s or dip back down into the upper 5s, the math is already working in your favor. And the difference from a low 6% to a high 5% isn't as big as you may think. But the difference from 7% to 6%? That is very much a big deal, and it's a number that's already working in your favor.

An Important Call Out

Mortgage rates don't operate in a vacuum. Home prices, local inventory, property taxes, home insurance, and your personal finances still matter.

And a rate in this territory doesn't mean every home suddenly works for every buyer. That's why getting pre-approved and running your numbers with a trusted lender is key.

Still, this rate environment puts more buyers in play than we've seen in years. So, if buying didn't work for you before, it's worth taking another look.

Bottom Line

Mortgage rates dropping to a 3-year low isn't just a headline.

For many buyers, where rates are now could be the difference between watching from the sidelines and finally getting the keys to their next home.

If you've been waiting for a sign to re-run your numbers and see what's possible now, this is it.

Let's take a look at what today's rates mean for your budget and your options.

Did you know? According to a recent study, 72% of people with student loans think their debt will delay their ability to buy a home. Maybe you're one of them and you're wondering:

• Do you have to wait until you've paid off those loans before you can buy your first home?
• Or is it possible you could still qualify for a home loan even with that debt?

Having questions like these is normal, especially when you're thinking about making such a big purchase. But you should know, you may be putting your homeownership goals on the backburner unnecessarily.

Can You Qualify for a Home Loan if You Have Student Loans?

In the simplest sense, what you want to know is can you still buy your first home if you have student debt. Here's what Yahoo Finance says:

" . . . student loans don't have to get in your way when it comes to becoming a homeowner. With the right approach and an understanding of how debt impacts your home-buying options, buying a house when you have student loans is possible."

And the data backs this up. An annual report from the National Association of Realtors (NAR), shows that 32% of first-time buyers had student loan debt (see graph below): 

While everyone's situation is unique, your goal may be more doable than you realize. Plenty of people with student loans have been able to qualify for and buy a home. Let that reassure you that it is still possible, even as a first-time buyer. And just in case it's helpful to know, the median student loan debt was $30,000. As an article from Chase says:

"It's important to note that student loans usually don't affect your ability to qualify for a mortgage any differently than other types of debt you have on your credit report, such as credit card debt and auto loans."

If your income is steady and your overall finances are solid, homeownership can still be within reach. So, having student loans doesn't necessarily mean you have to wait to buy a home.

Bottom Line

Having student loans doesn't mean buying a home is off the table. Before you count yourself out, talk to a lender to get a clearer picture of what you can afford and how close you are to taking the first step toward homeownership.

When you put your house on the market, you want to sell it quickly and for the best price possible; that's generally the goal. But too many sellers are shooting too high right now. They don't realize the market has shifted as inventory has grown. The side effect? Price cuts are on the rise, but they really don't have to be. Here's why.

According to data from Realtor.com, in February, price cuts were the highest they've been in any other February since 2019 (see graph below):

If you consider that 2019 was the last true normal year for the housing market – that's a big deal. We're getting back to what's typical for the market.

This isn't the same frenzied seller's market we saw a few years ago. You may not get the same price your neighbor did at the height of the pandemic. And that means you may need to reset your expectations.

Because here's the reality. If you shoot too high and have to lower your price after the fact, you could actually end up walking away with lower offers than if you'd priced it right from the start. So, how do you avoid that? You lean on your agent.

How an Agent Helps You Nail the Right Price

A great agent doesn't just pull a number out of thin air. They'll use real data and market trends to make sure your house is priced based on what your specific home is valued at today. So, you're setting a realistic price – one that'll draw in serious buyers.

And based on your agent's analysis of your local market, they may even recommend strategically pricing slightly below market value to help your house attract more eyes and more competitive offers. Here's how your agent will determine the right number for your house:

• They look at recent sales. What did similar homes in your area actually sell for? Not list for, sell for.
• They analyze local market trends. Your home's value isn't just about what you want for it, it's about what buyers in your area are willing to pay.
• They craft the right strategy. They'll make sure your home is priced to attract attention and create a sense of urgency among buyers.

Why Overpricing Backfires

Unfortunately, some sellers still ignore their agent's advice and prefer to start high just to see what happens. The hope being maybe they get their full asking price, or they at least have more wiggle room for negotiation. But pricing high usually ends up costing you, and here's why:

• Buyers may not even look at it. Today's buyers are more budget-conscious than ever. If they see a home that seems overpriced, they're likely to skip it completely rather than try to negotiate.
• It could sit on the market for too long. The longer your home sits unsold, the more buyers will assume something's wrong with it. That can make it even harder to sell down the line.
• You might end up getting less. Homes that require a price cut often sell for less than they would have if they had been priced right from the start.

You can see that shake out in the graph below. It uses data from the National Association of Realtors (NAR) to show that the longer a house sits, the less it'll sell for:

This graph shows that if a house sells within the first 4 weeks it is listed, it usually goes for full price. Based on experience, that's what usually happens to homes that are priced at or just below current market value. If it's priced right, buyers will be interested, and, ultimately, willing to pay the asking price – or compete with other buyers and even go over asking.

But if a house isn't priced right, it doesn't sell as quickly. And this graph shows that, after the first 4 weeks on the market, the price starts to drop from there. That's because buyer interest falls off the longer it sits. So, it becomes more likely a seller will either accept a lower offer because that's all they have, or opt to do a price drop to draw people back in.

Bottom Line

The last thing you want is to list too high, watch your house sit, and then have to drop the price just to get attention. Let's connect so that doesn't happen to you.

Want to make sure your home sells quickly and for the best price? Let's go over the right pricing strategy for your house.

Have you been wondering whether you should keep renting or finally make the leap into homeownership? It's a big decision, and let's be real — renting can feel like the easier option, especially if buying a home feels out of reach.

But here's the thing: a recent report from Bank of America highlights that 70% of prospective buyers fear the long-term consequences of renting, including not building equity and dealing with rising rents.

Maybe you're feeling that too — concerned about where renting might leave you down the road, but still unsure if you'd even be able to buy right now. The truth is, if you're able to make the numbers work, buying a home has powerful long-term financial benefits.

Let's break down why homeownership is worth considering in 2025 and beyond, and how it can help set you up for the future.

Buying Builds Wealth Over Time

Buying a home allows you to turn your monthly housing costs into a long-term investment. That's because, as shown in data from the Census and the Department of Housing and Urban Development (HUD), home prices tend to increase over time (see graph below):

Rising home prices directly benefit homeowners. That's because when you own a home, you build equity — meaning your ownership stake in your home grows as you pay down your mortgage and your home's value appreciates. And that, in turn, makes your net worth grow too.

Maybe that's why, according to the National Association of Realtors (NAR), 79% of buyers believe owning a home is a good financial investment.

Renting Comes with Rising Costs

Renting may feel more affordable in the short term, especially right now with today's home prices and mortgage rates. But the reality is, over time, rent almost always goes up too. Take a look at the data and you can see that play out. According to Census data, rents have significantly increased over the decades (see graph below):

This means if you decide to rent, you'll likely face growing expenses each time you renew or sign a new lease – and that'll happen without building any wealth in return. Plus, those rising costs may make it harder to save up to buy a home down the road.

Renting vs. Buying: The Long-Term Impact

When you own a home, your payments are an investment in your future. Renting, on the other hand, means your money is gone for good — it helps your landlord build equity, not you.

Renting works for those not ready (or able) to buy today. But if you are able to make the numbers work, buying a home builds equity and sets you up for long-term financial success. So, even though renting may seem easier now, it can't match the benefits of homeownership.

Bottom Line

If you can afford it, take control of your financial future by making homeownership part of your plan. It's an investment you won't regret.

Do you want to see what starter homes are available in our market? Let's connect today to explore your options.

Building equity in your house is one of the biggest financial advantages of homeownership. And right now, homeowners across the country are sitting on record amounts of it.

Here's a look at how that equity could be a game changer for you, and why it'll flip your perspective from "Why would I move right now?" to "Why wouldn't I?"

Home Equity: What Is It?

Home equity is the difference between how much your house is worth and how much you still owe on your mortgage. For example, if your house is valued at $400,000 and you only owe $200,000 on your mortgage, your equity would be $200,000.

Why Equity Is Such a Big Deal for Homeowners Looking To Sell

Recent data from the Census and ATTOM shows how significant today's home equity really is. In fact, more than two out of three homeowners have either completely paid off their mortgages (shown in green in the chart below) or have at least 50% equity in their homes (shown in blue in the chart below):

And that's a big deal. Think about it: 2 out of 3 homeowners have at least 50% equity in their homes. To put a more tangible number on it so you can think about what that really means for someone like you, CoreLogic shows the average homeowner has $311,000 worth of equity built up. That kind of net worth can go a long way if you're trying to make a move.

And that's part of the reason why the share of all-cash buyers recently reached a new high. According to an annual report from the National Association of Realtors (NAR), 26% of buyers were able to buy without a mortgage (see graph below):

Imagine buying your next house in cash. No mortgage. No monthly payment. No interest rate to mess with. If you want to find out how much equity you have to see if that's an option for you, connect with a real estate agent and ask for a professional equity assessment report (PEAR).

Who knows, you may find out you have enough equity to buy your next place outright– and with today's mortgage rates, not having to take out a home loan is pretty incredible. Even if you don't have enough equity to buy in all cash, you may still have enough to make a larger down payment, which has its own benefits too.

Bottom Line

Homeowners have an incredible amount of equity today – and that's why the share of all-cash buyers is on the rise. To see how much equity you have and talk through how it can help fuel your next move, let's connect.

One of the biggest questions on everyone's minds right now is: when will mortgage rates come down? After several years of rising rates and a lot of bouncing around in 2024, we're all eager for some relief.

While no one can project where rates will go with complete accuracy or the exact timing, experts offer some insight into what we might see going into next year. Here's what the latest forecasts show.

Mortgage Rates Are Expected To Ease and Stabilize in 2025

After a lot of volatility and uncertainty, the most updated forecasts suggest rates will start to stabilize over the next year, and should ease a bit compared to where they are right now (see graph below):

As Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), says: 

"While mortgage rates remain elevated, they are expected to stabilize."

Key Factors That'll Impact the Future of Mortgage Rates

It's important to note that the timing and the pace of what happens with mortgage rates is one of the most challenging forecasts to make in the housing market. That's because these forecasts hinge on a few key factors all lining up. So don't be fooled, because while rates are expected to come down slightly, they're going to be a moving target. And the ups and downs of ongoing economic drivers will likely stick around. Here's a look at just a few of the things that'll influence where they go from here:

• Inflation: If inflation cools, rates could dip a bit more. On the flip side, if inflation rises or remains stubbornly high, rates may stay elevated longer.
• Unemployment Rate: The unemployment rate also plays a significant role in upcoming decisions by the Federal Reserve (the Fed). And while the Fed doesn't set mortgage rates, their actions do reflect what's happening in the greater economy, which can have an impact.
• Government Policies: With the next administration set to take office in January, fiscal and monetary policies could also affect how financial markets respond and where rates go from here.

Remember, these forecasts are based on the best information available right now. As new economic data comes out, experts will revise their projections accordingly. So, don't try to time the market based on these forecasts alone.

Instead, the best thing you can do is focus on what you can control right now. Work on improving your credit score, put away any extra cash for your down payment, and automate your savings. All of these things will help you reach your homeownership goals even faster.

And be sure to connect with a trusted agent and a lender, so you always have the latest updates – and an expert opinion on what that means for your move.

Bottom Line

If you're planning to move and want to stay informed about where mortgage rates are heading, let's connect.

Trying to decide between renting or buying a home? One key factor that could help you choose is just how much homeownership can grow your net worth.

Every three years, the Federal Reserve Board shares a report called the Survey of Consumer Finances (SCF). It shows how much wealth homeowners and renters have – and the difference is significant.

On average, a homeowner's net worth is nearly 40 times higher than a renter's. Check out the graph below to see the difference for yourself:

Why Homeowner Wealth Is So High

In the previous version of that report, the average homeowner's net worth was about $255,000, while the average renter's was just $6,300. That's still a big gap. But in the most recent update, the spread got even bigger as homeowner wealth grew even more (see graph below):

As the SCF report says:

". . . the 2019-2022 growth in median net worth was the largest three-year increase over the history of the modern SCF, more than double the next-largest one on record."

One big reason why homeowner wealth shot up is home equity.

Equity is the difference between your home's value and what you owe on your mortgage. You gain equity by paying down your mortgage and when your home's value goes up.

Over the past few years, home prices have gone up a lot. That's because there weren't enough available homes for all the people who wanted one. This supply-demand imbalance pushed home prices up – and that translated into faster equity gains and even more net worth for homeowners.

If you're still torn between whether to rent or buy, here's what you should know. While inventory has grown this year, in most places, there's still not enough to go around. That's why expert forecasts show prices are expected to go up again next year nationally. It'll just be at a more moderate pace.

While that's not the sky-high appreciation we saw during the pandemic, it still means potential equity gains for you if you buy now. As Ksenia Potapov, Economist at First American, explains:

"Despite the risk of volatility in the housing market, homeownership remains an important driver of wealth accumulation and the largest source of total wealth among most households."

But prices and inventory are going to vary by area. So, lean on a local real estate agent. They'll be able to give you the local trends and speak to the other financial and lifestyle benefits that come with owning a home. That crucial information will help you decide the best move for you right now. As Bankrate explains:

"Deciding between renting and buying a home isn't just about cost — the decision also involves long-term financial strategies and personal circumstances. If you're on the fence about which is right for you, it may be helpful to speak with a local real estate agent who knows your market well. An experienced agent can help you weigh your options and make a more informed decision."

Bottom Line

If you're not sure if you should rent or buy, keep in mind that if you can make the numbers work, owning a home can really grow your wealth over time.

And if homeownership feels out of reach, let's connect so we can explore programs that may make buying possible. 

Have you ever heard the phrase: don't believe everything you hear? That's especially true if you're thinking about buying or selling a home in today's housing market. There's a lot of misinformation out there. And right now, making sure you have someone you can go to for trustworthy information is extra important.

If you partner with a real estate agent, they can clear up some common misconceptions and reassure you by backing them up with research-driven facts. Here are just a few misconceptions they can help disprove.

1. I'll Get a Better Deal Once Prices Crash

If you've heard home prices are going to come crashing down, it's time to look at what's actually happening. While prices vary by local market, there's a lot of data out there from numerous sources that shows a crash is not going to happen. Back in 2008, there was a dramatic oversupply of homes that led to prices crashing. Across the board, there's an undersupply of homes for sale today. That makes this market a whole different scenario (see chart below):

So, if you think waiting will score you a deal, know that data shows there's not a crash on the horizon, and waiting isn't going to pay off the way you'd hoped.

2. I Won't Be Able To Find Anything To Buy

If this nagging fear about finding the right home if you move is still holding you back, you probably haven't talked with an expert real estate agent lately. Throughout the year, the supply of homes for sale has grown. Data from Realtor.com helps put this into context. While there are still fewer homes on the market than in a more normal year like 2019, inventory is still above where it was at this time last year (see graph below):

So, if you're remembering all that media coverage about record-low supply during the pandemic, you can rest a bit easier. While the market isn't back to normal just yet, inventory is moving in a healthier direction. And that means as your options improve, you can let go of this now outdated myth because finding a home to buy won't feel quite so impossible anymore.

3. I Have To Wait Until I Have Enough for a 20% Down Payment

Many people still believe you need a 20% down payment to buy a home. To show just how widespread this myth is, Fannie Mae says:

"Approximately 90% of consumers overstate or don't know the minimum required down payment for a typical mortgage."

And if you look at the data from the National Association of Realtors (NAR), you can see the typical homeowner isn't putting down as much as you might expect (see graph below):

First-time homebuyers are typically only putting down 6%. That's far less than the 20% so many people think they need. And if you're looking at that graph and you're more focused on how the number for repeat buyers is closer to 20%, here's what you need to realize. That's only because they have so much equity built up in their current house that can be used to make a larger down payment for their next move.

This goes to show you don't have to put 20% down, unless it's specified by your loan type or lender. Many people put down a lot less. Not to mention, depending on the type of home loan you get, you may only need to put 3.5% or even 0% down. So, if you're buying your first home, you likely don't need nearly as much for your down payment as you may think.

An Agent's Role in Fighting Misconceptions

If you put your move on pause because you heard one or more of these myths yourself, it's time to talk to a trusted agent. An expert agent has more data and the facts, just like this, to reassure you and help break through any misconceptions that may be holding you back.

Bottom Line

If you have questions about what you're hearing or reading, let's connect. You deserve to have someone you can trust to get the facts.

Over the past couple of years, a lot of people have had a hard time buying a home. And while affordability is still tight, there are signs it's getting a little better and might keep improving throughout the rest of the year. Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), says:

"Housing affordability is improving ever so modestly, but it is moving in the right direction."

Here's a look at the latest data on the three biggest factors affecting home affordability: mortgage rates, home prices, and wages. 

1. Mortgage Rates

Mortgage rates have been volatile this year, bouncing around from the mid-6% to low 7% range. But there's some good news. Data from Freddie Mac shows rates have been trending down overall since May (see graph below):

Mortgage rates have improved lately in part because of recent economic, employment, and inflation data. Moving forward, some rate volatility is to be expected. But if future economic data continues to show signs of cooling, experts say mortgage rates could keep going down.

 Even a small drop can help you out. When rates decline, it's easier to afford the home you want because your monthly payment will be lower. Just don't expect them to go back down to 3%.

2. Home Prices

The second big thing to think about is home prices. Nationally, they're still going up this year, but not as fast as they did a couple of years ago. The graph below uses home price data from Case-Shiller to illustrate that point:

If you're thinking about buying a home, slower price growth is good news. Home prices went up a lot during the pandemic, making it hard for many people to buy. Now, with prices rising more slowly, buying a home may feel less out of reach. As Odeta Kushi, Deputy Chief Economist at First American, says: 

"While housing affordability is low for potential first-time home buyers, slowing price appreciation and lower mortgage rates could help – so the dream of homeownership isn't boarded up just yet."

3. Wages

Another factor helping with affordability is rising wages. The graph below uses data from the Bureau of Labor Statistics (BLS) to show how wages have increased over time:

Look at the blue dotted line. It shows how wages usually go up in a typical year. On the right side of the graph, you'll see wages are rising even faster than normal right now – that's the green line.

This helps you because if your income increases, it's easier to afford a home. That's because you won't have to spend as much of your paycheck on your monthly mortgage payment.

Bottom Line

When you put all these factors together, you see mortgage rates are trending down, home prices are rising more slowly, and wages are going up faster than usual. Though affordability is still a challenge, these trends are early signs things might be starting to improve.

If you're in the market to buy a home, there's some exciting news for you. Many people assume that newly built homes are more expensive than existing ones (houses that have already been lived in), but that's not always the case. In fact, exploring newly built homes can sometimes lead to more cost-effective options, especially today. Hard to believe, right? But the data doesn't lie.

Here are two key reasons working with your agent to look into new home construction could help you find a more budget-friendly option.

Reason 1: Lower Median Prices for Newly Built Homes

The median sales price for newly built homes is lower than the median sales price for existing homes today. This might seem surprising, but it's true according to the latest data from the Census and the National Association of Realtors (NAR):

Why is that? Builders are focused on building what they can sell. And right now, there's a very real need for smaller and more affordable homes – so that's what they've been bringing to the market. At the same time, there are also more newly built homes already on the market than there have been over the past few years, so builders are motivated to make sure they're selling what they've got available before adding more.

Reason 2: Attractive Incentives from Home Builders

Another big reason to consider a newly built home is the range of incentives that many home builders are offering. Again, since builders are aiming to sell their current inventory, some are providing special deals to sweeten the pot for homebuyers. HousingWire explains today's trend:

"Overall, the usage of sales incentives was up to 61% in June, compared to 59% in May."

One of the most appealing incentives right now is how builders are able to offer competitive mortgage rates. They may also provide other incentives, such as covering closing costs, or offering free upgrades.

Why This Matters to You

Considering a newly built home could open up opportunities you hadn't thought of before. With competitive pricing and attractive incentives, you might just find that a brand-new home is the most appealing option for you.

Bottom Line

Buying a home is a big decision, and it's essential to consider all your options. By looking into newly built homes, you might find a perfect fit for your needs and your budget.

Let's explore the possibilities together. If you have any questions or want to see what's available, feel free to reach out.

Navigating the housing market can be tricky, especially these days. That's why having an experienced guide when buying or selling a home is so important. The market isn't exactly straightforward right now, and working with a real estate expert can offer insights and advice that make all the difference.

While today's market conditions might seem confusing or overwhelming, you don't have to handle them alone. With a trusted expert leading you through every step, you can navigate the process with the clarity and confidence you deserve.

Here are just a few of the ways a real estate expert is invaluable:

Contracts – Agents help with the disclosures and contracts necessary in today's heavily regulated environment.

Experience – In today's market, experience is crucial. Real estate professionals know the entire sales process, including how it's changing right now.

Negotiations – Your real estate advisor acts as a buffer in negotiations with all parties, and advocates for your best interests throughout the entire transaction.

Industry Expertise– Knowledge is power in today's market, and your advisor will simply and effectively explain processes, market conditions, and key terms, translating what they mean for you along the way.

Pricing – A real estate professional understands current real estate values when setting the price of your home or helping you make an offer to purchase one. Pricing matters more than ever right now, so having expert advice will help ensure you're set up for success.

A real estate agent is a crucial guide through this challenging market, but not all agents are created equal. A true expert can carefully walk you through the whole real estate process, look out for your unique needs, and advise you on the best ways to achieve success.

Finding an expert real estate advisor – not just any agent – should be your top priority if you want to buy or sell a home. As Bankrate says:

"Real estate is very localized, and you want someone who's extremely knowledgeable about the market in your specific area. You should also look for someone with a successful track record of negotiating and closing deals, preferably for homes similar to the kind you want to buy."

What's the Key To Choosing the Right Expert?

Like any relationship, it starts with trust. You'll want to know you can depend on that person to always put you and your best interests first. That means hiring a true professional. As Business Insider explains:

"As long as you've properly vetted the agents you're considering and ensured they have the necessary expertise, it's ok to go with your gut when making your final decision on which real estate agent you want to work with. You're going to be working closely with this person, so it's important to choose an agent you're comfortable with."

Bottom Line

It's critical to have an expert on your side who's well-versed in navigating today's housing market dynamics. If you're planning to buy or sell a home this year, let's connect so you have a real estate professional to give you the best advice and guide you along the way.

With all the headlines circulating about home prices and mortgage rates, you may be asking yourself if it still makes sense to buy a home right now, or if it's better to keep renting. Here's some information that could help put your mind at ease by showing that investing in a home is still a powerful decision.

According to the experts at Gallup, real estate has been crowned the top long-term investment for a whopping 12 years in a row. It has consistently beat out other investment types like gold, stocks, and bonds. Just take a look at the graph below – it speaks volumes:

But why does real estate continue to reign supreme as a top-notch long-term investment? It's because, even today, buying a home can be your golden ticket to building wealth over time.

Unlike other investments that can feel a bit like riding a rollercoaster with all the ups and downs and ongoing risk factors, real estate follows a more predictable and positive pattern.

History shows home values usually rise. And while prices may vary by market, that means as time goes by, your house is likely to appreciate in value. And that helps you grow your net worth in a big way. As an article from Realtor.com explains:

"Homeownership has long been tied to building wealth—and for good reason. Instead of throwing rent money out the window each month, owning a home allows you to build home equity. And over time, equity can turn your mortgage debt into a sizeable asset."

So, if you're on the fence about whether to rent or buy, remember that real estate was consistently voted the best long-term investment for a reason. And if you want to get in on that action, it may make sense to go ahead and buy (if you're ready and able).

Bottom Line

When it comes to building wealth that stands the test of time, real estate is the name of the game. If you're ready to start on your own journey toward homeownership, let's connect today.

The 2024 Presidential election is just months away. As someone who's thinking about potentially buying or selling a home, you're probably curious about what effect, if any, elections have on the housing market.

It's a great question because buying or selling a home is a major decision, and it's natural to wonder how such a major event might impact your plans.

Historically, Presidential elections have only had a small, temporary impact on the housing market. Here's the latest on exactly what's happened to home sales, prices, and mortgage rates throughout those time periods.

Home Sales

During the month of November, in years when the Presidential election takes place, there's typically a slight slowdown in home sales. As Ali Wolf, Chief Economist at Zonda, explains:

"Usually, home sales are unchanged compared to a non-election year with the exception being November. In an election year, November is slower than normal."

This is mostly because some people feel uncertain and hesitant about making big decisions during such a pivotal time. However, it's important to know this slowdown is temporary. Historically, home sales bounce back in December and continue to rise the following year.

In fact, data from the Department of Housing and Urban Development (HUD) and the National Association of Realtors (NAR) shows after nine of the last 11 Presidential elections, home sales went up the next year (see graph below): 

The graph shows annual home sales going back to 1978. Each year with a Presidential election is noted in blue. The year immediately after each election is green if existing home sales rose that year. The two orange bars represent the only years when home sales decreased after an election.

Home Prices

What about home prices? Do they drop during election years? Not typically. As residential appraiser and housing analyst Ryan Lundquist puts it:

"An election year doesn't alter the price trend that is already happening in the market."

Home prices are pretty resilient. They generally rise year-over-year, regardless of elections. The latest data from NAR shows after seven of the last eight Presidential elections, home prices increased the following year (see graph below): 

Just like the previous graph, this shows election years in blue. The only year when prices declined after an election is in orange. That was during the housing market crash, which was far from a typical year. Today's market is different than it was back then.

All the green bars represent when prices rose the following year. So, if you're worried about your home losing value because of an election, you can rest easy knowing prices rise after most Presidential elections.

Mortgage Rates

Mortgage rates are important because they affect how much your monthly payment will be when you buy a home. Looking at the last 11 Presidential election years, data from Freddie Mac shows mortgage rates decreased from July to November in eight of them (see chart below): 

Most forecasts expect mortgage rates to ease slightly throughout the remainder of the year. If they're right, this year will follow the trend of declining rates leading up to most previous elections. And if you're looking to buy a home in the coming months, this could be good news, as lower rates could mean a lower monthly payment.

What This Means for You

So, what's the big takeaway? While Presidential elections do have some impact on the housing market, the effects are usually small and temporary. As Lisa Sturtevant, Chief Economist at Bright MLS, says:

"Historically, the housing market doesn't tend to look very different in presidential election years compared to other years."

For most buyers and sellers, elections don't have a major impact on their plans.

Bottom Line

While it's natural to feel a bit uncertain during an election year, history shows the housing market remains strong and resilient. For help navigating the market, election year or not, let's connect.

There's no denying mortgage rates are having a big impact on today's housing market. And that may leave you with some questions about whether it still makes sense to sell your house and make a move.

Here are three of the top questions you may be asking – and the data that helps answer them.

1. Should I Wait To Sell?

If you're thinking about waiting to sell until after mortgage rates come down, here's what you need to know. So are a ton of other people.

And while mortgage rates are still forecasted to come down later this year, if you wait for that to happen, you may be dealing with a lot more competition as other buyers and sellers jump back in too. As Bright MLS says:

"Even a modest drop in rates will bring both more buyers and more sellers into the market."

That means if you wait it out, you'll have to deal with things like prices rising faster and more multiple-offer scenarios when you buy your next home.

2. Are Buyers Still Out There?

But that doesn't mean no one is moving right now. While some people are holding off, there are still plenty of buyers active today. And here's the data to prove it.

The ShowingTime Showing Index is a measure of how frequently buyers are touring homes. The graph below uses that index to show buyer activity for March (the latest data available) over the past seven years:

You can see demand has dipped some since the 'unicorn' years (shown in pink). That's in response to a lot of market factors, like higher mortgage rates, rising prices, and limited inventory. But, to really understand today's demand, you have to compare where we are now with the last normal years in the market (2018-2019) – not the abnormal 'unicorn' years. 

When you focus on just the blue bars, you can get an idea of how 2024 stacks up. And that gives you a whole new perspective.

Nationally, demand is still high compared to the last normal years in the housing market (2018-2019). And that means there's still a market for your house to sell.

3. Can I Afford To Buy My Next Home?

And if you're worried about how you'll afford your next move with today's rates and prices, consider this: you probably have more equity in your current home than you realize.

Homeowners have gained record amounts of equity over the past few years. And that equity can make a big difference when you buy your next home. You may even have enough to be an all-cash buyer and avoid taking out a mortgage altogether. As Jessica Lautz, Deputy Chief Economist at the National Association of Realtors (NAR), says:

" . . . those who have earned housing equity through home price appreciation are the current winners in today's housing market. One-third of recent home buyers did not finance their home purchase last month—the highest share in a decade. For these buyers, interest rates may be less influential in their purchase decisions."

Bottom Line

If you've had these three questions on your mind and they've been holding you back from selling, hopefully, it helps to have this information now. A recent survey from Realtor.com shows more than 85% of potential sellers have been considering selling for over a year. That means there are a number of sellers like you who are on the fence.

But that same survey also talked to sellers who recently decided to take the plunge and list. And 79% of those recent sellers wish they'd sold sooner.

If you want to talk more about any of these questions or need more information, let's connect.

When you're planning a move, it's normal to wonder where you'll end up and what your future home is going to look like. Maybe you've got a specific picture of that house in your mind. But unless you came into this process knowing you want to buy a newly built home, you may not have pictured new home construction.

A trusted real estate agent can help walk you through these two reasons you may want to reconsider that.

1. Adding Newly Built Homes Could Give You More Options

There are two types of homes on the market: new and existing. A newly built home refers to a house that was just built or is under construction. An existing home is one a previous homeowner has already lived in. Right now, the inventory of existing homes is tight. But there may be options for you on the new home side of things.

Data from the Census and the National Association of Realtors (NAR) shows that newly built homes are a bigger part of today's housing inventory than the norm (see graph below):

From 1983 to 2019 (the last normal year in the market), newly built homes made up only 13% of the total inventory of homes for sale. But today that number has climbed to over 33%.

Rest assured, after over a decade of underbuilding, builders aren't overdoing it today. Even with an increase in new construction today, there's still a significant housing shortage overall. But for you, the uptick in new builds can be a game changer because it gives you more options for your search.

2. Newly Built Homes May Be More Affordable Than You'd Think

You may still be wondering if a new build could really be an option for you. If you've previously written them off because you thought they would be out of your budget, consider this. The price gap between a newly built home and an existing house is shrinking. Here's why.

Builders are going to build what's in demand. And they know people need more options right now, especially ones that are smaller and potentially more affordable. So, they're focusing on building smaller homes at lower price points. The graph below shows the price difference between new and existing homes is shrinking as that happens:

As LendingTree explains:

"In the past, newly built homes have been much more expensive than existing homes — but that gap has been getting smaller recently. In some places today, you may find that the cost to build versus buy is roughly the same."

And an article from CNBC says:

"While new builds are still sold for slightly more than existing homes, the price gap has significantly narrowed . . ."

Not to mention, some builders are even offering price cuts and mortgage rate buy-downs right now to sweeten the deal. Today there are many reasons new builds may be worth considering. Other buyers sure seem to think so. As Freddie Mac says:

"As the supply of existing homes for sale remains low and home prices continue to rise, more buyers are choosing to purchase new homes than in previous years."

Just know that buying a newly built home isn't the same as buying an existing one. Builder contracts have different fine print. So, partner with a local agent who knows the market, builder reputations, and what to look for in those contracts so you have an expert on your side to help you explore this option.

Bottom Line

If you want to find out what builders are doing in our area, let's connect and check it out together. And if you're willing to cast a wider net to open up your options even more, we can talk about broadening your search to include other towns nearby.

Thinking about selling your house? If you are, you might be weighing factors like today's mortgage rates and your own changing needs to figure out your next move.

Here's something else to consider. According to the latest Home Purchase Sentiment Index (HPSI) from Fannie Mae, the percent of respondents who say it's a good time to sell is on the rise (see graph below):

Why Are Sellers Feeling so Optimistic?

One reason why is because right now is traditionally the best time of year to sell a house. A recent article from Bankrate says:

"Late spring and early summer are generally considered the best times to sell a house. . . . While today's rates are relatively high, low inventory is still keeping sellers in the driver's seat in most markets."

These are the seasons when most people move. That means buyer demand grows. And because there still aren't enough homes for sale to meet that demand, sellers see some serious perks. According to Rocket Mortgage:

"Homes that are listed at the end of spring and the beginning of summer typically sell faster at a higher sales price."

What Does This Mean for You?

More sellers are coming to realize conditions are ripe for a move. And that's one reason why we're seeing more homeowners put their homes up for sale. If you think you might want to get in on the action, it's a good idea to start preparing.

A local real estate agent can help you get your house ready by offering advice on how best to fix it up and make it appealing to buyers in your area.

They also know if you list during the peak buying seasons of spring and early summer, you might sell quickly and for a higher price.

Bottom Line

If you list during the spring and early summer, you might sell your house quickly and for a higher price. When you're ready to make the most of today's seller's market, let's get in touch.

Over the past year or so, a lot of people have been talking about how tough it is to buy a home. And while there's no arguing affordability is still tight, there are signs it's starting to get a bit better and may improve even more throughout the year. Elijah de la Campa, Senior Economist at Redfin, says:

"We're slowly climbing our way out of an affordability hole, but we have a long way to go. Rates have come down from their peak and are expected to fall again by the end of the year, which should make homebuying a little more affordable and incentivize buyers to come off the sidelines."

Here's a look at the latest data for the three biggest factors that affect home affordability: mortgage rates, home prices, and wages.

1. Mortgage Rates

Mortgage rates have been volatile this year – bouncing around in the upper 6% to low 7% range. That's still quite a bit higher than where they were a couple of years ago. But there is a sliver of good news.

Despite the recent volatility, rates are still lower than they were last fall when they reached nearly 8%. On top of that, most experts still think they'll come down some over the course of the year. A recent article from Bright MLS explains:

"Expect rates to come down in the second half of 2024 but remain above 6% this year. Even a modest drop in rates will bring both more buyers and more sellers into the market." 

Any drop in rates can make a difference for you. When rates go down, you can afford the home you really want more easily because your monthly payment would be lower.

2. Home Prices

The second big factor to think about is home prices. Most experts project they'll keep going up this year, but at a more normal pace. That's because there are more homes on the market this year, but still not enough for everyone who wants to buy one. The graph below shows the latest 2024 home price forecasts from seven different organizations:

These forecasts are actually good news for you because it means the prices aren't likely to shoot up sky high like they did during the pandemic. That doesn't mean they're going to fall – they'll just rise at a slower pace.

3. Wages

One factor helping affordability right now is the fact that wages are rising. The graph below uses data from the Federal Reserve to show how wages have been growing over time:

Check out the blue dotted line. That shows how wages typically rise. If you look at the right side of the graph, you'll see wages are climbing even faster than normal right now.

Here's how this helps you. If your income has increased, it's easier to afford a home because you don't have to spend as big of a percentage of your paycheck on your monthly mortgage payment.

Bottom Line

If you stack these factors up, you'll see mortgage rates are still projected to come down a bit later this year, home prices are going up at a more moderate pace, and wages are growing quicker than normal. Those trends are a good sign for your ability to afford a home.

Some Highlights

• If you're about to retire, or just did, downsizing can be a good way to try to cut down on some of your expenses.
• Smaller homes typically have lower energy and maintenance costs. Plus, you may have enough equity built up to fuel your move.
• If you're thinking about moving to a smaller home, let's go over your goals and look at your options in our local market.

If you have student loans and want to buy a home, you might have questions about how your debt affects your plans. Do you have to wait until you've paid off those loans before you can buy your first home? Or is it possible you could still qualify for a home loan even with that debt? Here's a look at the latest information so you have the answers you need.

A Bankrate article explains:

"Roughly 60 percent of U.S. adults who have held student loan debt have put off making important financial decisions due to that debt . . . For Gen Z and millennial borrowers alone, that number rises to 70 percent."

This includes one of the biggest financial decisions you'll ever make, buying a home. But you should know, even with student loans, waiting to buy a home may not be necessary. While everyone's situation is unique, your goal may be more within your reach than you realize. Here's why. 

Can You Qualify for a Home Loan if You Have Student Loans?

According to an annual report from the National Association of Realtors (NAR), 38% of first-time buyers had student loan debt and the typical amount was $30,000.

That means other people in a similar situation were able to qualify for and buy a home even though they also had student loans. And you may be able to do the same, especially if you have a steady source of income. As an article from Bankrate says:

". . . you can have student loans and a mortgage at the same time. . . . If you have student loans and want a mortgage, there are multiple home loan programs you might qualify for . . ."

The key takeaway is, for many people, homeownership is achievable even with student loans. 

You don't have to figure this out on your own. The best way to make a decision about your goals and next steps is to talk to the professionals. A trusted lender can walk you through your options based on your situation, and share what's worked for other buyers.

Bottom Line

Lots of other people with student loan debt are able to buy their own homes. Talk to a lender to go over your options and see how close you are to reaching your goal.

Going into 2023, there was a lot of talk about a possible recession that would cause the housing market to crash. Some in the media were even forecasting home prices would drop by as much as 10-20%—and that might have made you feel a bit unsure about buying a home.

But here's what actually happened: home prices went up more than usual. Brian D. Luke, Head of Commodities at S&P Dow Jones Indices, explains:

"Looking back at the year, 2023 appears to have exceeded average annual home price gains over the past 35 years."

To put last year's growth into context, the graph below uses data from Freddie Mac on how home prices have changed each year going back to 1980. The dotted line shows the long-term average for appreciation:

The big takeaway? Home prices almost always go up.

As an article from Forbes says:

". . . the U.S. real estate market has a long and reliable history of increasing in value over time."

In fact, since 1980, the only time home prices dropped was during the housing market crash (shown in red in the graph above). Fortunately, the market today isn't like it was in 2008. For starters, there aren't enough available homes to meet buyer demand right now. On top of that, homeowners have a tremendous amount of equity, so they're on much stronger footing than they were back then. That means there won't be a wave of foreclosures that causes prices to fall.

The fact that home values went up every single year except those four in red is why owning a home can be one of the smartest moves you can make. When you're a homeowner, you own something that typically becomes more valuable over time. And as your home's value appreciates, your net worth grows. 

So, if you're financially stable and prepared for the costs and expenses of homeownership, buying a home might make a lot of sense for you.

Bottom Line

Home prices almost always go up over time. That makes buying a home a smart move, if you're ready and able. Let's connect to talk about your goals and what's available in our area.

If you're gearing up to sell your house this spring, one of the early conversations you'll have with your agent is about how much access you want to give buyers. And you may not realize just how important it is to make your house easy to tour.

Spring is the peak homebuying season, so opening up your house to as many showings as possible can really help you capitalize on all the extra buyer activity we see at this time of year.

Since buyer competition ramps up in the spring, buyers are going to want to move fast to see your house once they find your listing. And, if they see it and fall in love with it at a time they know they're competing with other buyers, you may be more likely to get the offer you're looking for on your home.

It's understandable you want to keep the disruptions to your own schedule to a minimum, and you may be stressed about having to keep it clean, but it's worth it. As an article from Investopedia explains:

"If someone wants to view your house, you need to accommodate them, even if it inconveniences you. Clean and tidy the house before every single visit. A buyer won't know or care if your house was clean last week. It's a lot of work, but stay focused on the prize."

To figure out what's best for you, your agent will walk you through options like the ones below. This list breaks things down, starting with what's most convenient for buyers and getting less buyer-focused as the list goes on:

• Lockbox on the Door – A key is available via a lockbox, which makes it easy for agents to show the home to potential buyers. This gives the most flexibility because the key is on-site and convenient.
• Providing a Key to the Home – An agent would have to stop by an office to pick up the key with this option. This is still pretty convenient for showings, but not quite as simple.
• Open Access with a Phone Call – You allow a showing with just a phone call's notice, which can be great for someone who sees your house while driving by.
• By Appointment Only – This gives you a more advanced warning so you can get the house tidied up and be sure you have somewhere else you can go in the meantime. But it's also a bit more restrictive.
• Limited Access – You might go this route if you only want to have your house available on specific days or at certain times of day. But realize this is the most difficult and least flexible of the choices.

As an article from U.S. News Real Estate says:

"Buyers like to see homes on their schedule, which often means evenings and weekends. Plus, they want to be able to tour a home soon after they find it online, especially if they're competing with other buyers. If your home can be shown with little or no notice, more prospective buyers will see it. If you require 24 hours' notice, they may choose to skip your home altogether."

Your agent is going to help you find the right path forward based on your schedule and what's working for other sellers in your area. And if you've got a hardline on granting buyers more access or have interested out of town buyers that just can't be there in person, your agent will get creative and help you explore other options like video tours, virtual showings, and more.

Bottom Line

When it comes to selling your house, you want to be sure to get as much buyer activity as you can. Let's connect to talk about which level of access helps make that possible.

If you're holding out hope that the housing market is going to crash and bring home prices back down, here's a look at what the data shows. And spoiler alert: that's not in the cards. Instead, experts say home prices are going to keep going up.

Today's market is very different than it was before the housing crash in 2008. Here's why.

It's Harder To Get a Loan Now – and That's Actually a Good Thing

It was much easier to get a home loan during the lead-up to the 2008 housing crisis than it is today. Back then, banks had different lending standards, making it easy for just about anyone to qualify for a home loan or refinance an existing one.

Things are different today. Homebuyers face increasingly higher standards from mortgage companies. The graph below uses data from the Mortgage Bankers Association (MBA) to show this difference. The lower the number, the harder it is to get a mortgage. The higher the number, the easier it is:

The peak in the graph shows that, back then, lending standards weren't as strict as they are now. That means lending institutions took on much greater risk in both the person and the mortgage products offered around the crash. That led to mass defaults and a flood of foreclosures coming onto the market.

There Are Far Fewer Homes for Sale Today, so Prices Won't Crash

Because there were too many homes for sale during the housing crisis (many of which were short sales and foreclosures), that caused home prices to fall dramatically. But today, there's an inventory shortage – not a surplus.

The graph below uses data from the National Association of Realtors (NAR) and the Federal Reserve to show how the months' supply of homes available now (shown in blue) compares to the crash (shown in red):

Today, unsold inventory sits at just a 3.0-months' supply. That's compared to the peak of 10.4 month's supply back in 2008. That means there's nowhere near enough inventory on the market for home prices to come crashing down like they did back then.

People Are Not Using Their Homes as ATMs Like They Did in the Early 2000s

Back in the lead up to the housing crash, many homeowners were borrowing against the equity in their homes to finance new cars, boats, and vacations. So, when prices started to fall, as inventory rose too high, many of those homeowners found themselves underwater.

But today, homeowners are a lot more cautious. Even though prices have skyrocketed in the past few years, homeowners aren't tapping into their equity the way they did back then.

Black Knight reports that tappable equity (the amount of equity available for homeowners to access before hitting a maximum 80% loan-to-value ratio, or LTV) has actually reached an all-time high:

That means, as a whole, homeowners have more equity available than ever before. And that's great. Homeowners are in a much stronger position today than in the early 2000s. That same report from Black Knight goes on to explain:

"Only 1.1% of mortgage holders (582K) ended the year underwater, down from 1.5% (807K) at this time last year."

And since homeowners are on more solid footing today, they'll have options to avoid foreclosure. That limits the number of distressed properties coming onto the market. And without a flood of inventory, prices won't come tumbling down. 

Bottom Line

While you may be hoping for something that brings prices down, that's not what the data tells us is going to happen. The most current research clearly shows that today's market is nothing like it was last time.

Chances are at some point in your life you've heard the phrase, home is where the heart is. There's a reason that's said so often. Becoming a homeowner is emotional.

So, if you're trying to decide if you want to keep on renting or if you're ready to buy a home this year, here's why it's so easy to fall in love with homeownership.

Customizing to Your Heart's Desire

Your house should be a space that's uniquely you. And, if you're a renter, that can be hard to achieve. When you rent, the paint colors are usually the standard shade of white, you don't have much control over the upgrades, and you've got to be careful how many holes you put in the walls. But when you're a homeowner, you have a lot more freedom. As the National Association of Realtors (NAR) says:

"The home is yours. You can decorate any way you want and choose the types of upgrades and new amenities that appeal to your lifestyle."

Whether you want to paint the walls a cheery bright color or go for a dark moody tone, you can match your interior to your vibe. Imagine how it would feel to come home at the end of the day and walk into a space that feels like you.

Greater Stability for the Ones You Love Most

One of the hardest things about renting is the uncertainty of what happens at the end of your lease. Does your payment go up so much that you have to move? What if your landlord decides to sell the property? It's like you're always waiting for the other shoe to drop. Jeff Ostrowski, a business journalist covering real estate and the economy, explains how homeownership can give you more peace of mind in a Money Geek article:

"Homeownership means you are the boss and have the biggest say in your lifestyle and family decisions. Suppose your kids are in public school and you don't want to risk having them change schools because your landlord doesn't renew your lease. Owning a home would remove much of the risk of having to move."

A Feeling of Belonging

You may also find you feel much more at home in the community once you own a house. That's because, when you buy a home, you're staking a claim and saying, I'm a part of this community. You'll have neighbors, block parties, and more. And that'll give you the feeling of being a part of something bigger. As the International Housing Association explains:

". . . homeowning households are more socially involved in community affairs than their renting counterparts. This is due to both the fact that homeowners expect to remain in the community for a longer period of time and that homeowners have an ownership stake in the neighborhood."

The Emotional High of Achieving Your Dream

Becoming a homeowner is a journey – and it may have been a long road to get to the point where you're ready to take the plunge. If you're seriously considering leaving behind your rental and making this commitment, you should know the emotions that come with this owning a home are powerful. You'll be able to walk up to your front door every day and have that sense of accomplishment welcome you home. 

Bottom Line

A home is a place that reflects who you are, a safe space for the ones you love the most, and a reflection of all you've accomplished. Let's connect if you're ready to break up with your rental and buy a home.

On the road to becoming a homeowner? If so, you may have heard the term pre-approval get tossed around. Let's break down what it is and why it's important if you're looking to buy a home in 2024.

What Pre-Approval Is

As part of the homebuying process, your lender will look at your finances to figure out what they're willing to loan you. According to Investopedia, this includes things like your W-2, tax returns, credit score, bank statements, and more.

From there, they'll give you a pre-approval letter to help you understand how much money you can borrow. Freddie Mac explains it like this:

"A pre-approval is an indication from your lender that they are willing to lend you a certain amount of money to buy your future home. . . . Keep in mind that the loan amount in the pre-approval letter is the lender's maximum offer. Ultimately, you should only borrow an amount you are comfortable repaying."

Now, that last piece is especially important. While home affordability is getting better, it's still tight. So, getting a good idea of what you can borrow can help you really wrap your head around the financial side of things. It doesn't mean you should borrow the full amount. It just tells you what you can borrow from that lender.

This sets you up to make an informed decision about your numbers. That way you're able to tailor your home search to what you're actually comfortable with budget-wise and can act fast when you find a home you love.

Why Pre-Approval Is So Important in 2024

If you want to buy a home this year, there's another reason you're going to want to be sure you're working with a trusted lender to make this a priority.

While more homes are being listed for sale, the overall number of available homes is still below the norm. At the same time, the recent downward trend in mortgage rates compared to last year is bringing more buyers back into the market. That imbalance of more demand than supply creates a bit of a tug-of-war for you.

It means you'll likely find you have more competition from other buyers as more and more people who were sitting on the sidelines when mortgage rates were higher decide to jump back in. But pre-approval can help with that too.

Pre-approval shows sellers you mean business because you've already undergone a credit and financial check. As Greg McBride, Chief Financial Analyst at Bankrate, says:

"Preapproval carries more weight because it means lenders have actually done more than a cursory review of your credit and your finances, but have instead reviewed your pay stubs, tax returns and bank statements. A preapproval means you've cleared the hurdles necessary to be approved for a mortgage up to a certain dollar amount."

Sellers love that because that makes it more likely the sale will move forward without unexpected delays or issues. And if you may be competing with another buyer to land your dream home, why wouldn't you do this to help stack the deck in your favor?

Bottom Line

If you're looking to buy a home in 2024, know that getting pre-approved is going to be a key piece of the puzzle. With lower mortgage rates bringing more buyers back into the market, this can help you make a strong offer that stands out from the crowd.

As you think about the year ahead, one of your big goals may be moving. But, how do you know when to make your move? While spring is usually the peak homebuying season, you don't actually need to wait until spring to sell. Here's why.

1. Take Advantage of Lower Mortgage Rates

Last October, the 30-year fixed mortgage rates peaked at 7.79%. In January, they hit their lowest level since May. That means you may not feel as locked-in to your current mortgage rate right now. That downward trend in rates has made moving more affordable now than it was just a few months ago.

Another reason today's rates make now a good time to sell? More buyers are jumping back into the market. Many had been waiting on the sidelines for rates to fall, but now that that's happening, they're eager and ready to buy. That means more demand for your house. According to Sam Khater, Chief Economist at Freddie Mac:

"Given this stabilization in rates, potential homebuyers with affordability concerns have jumped off the fence back into the market."

2. Get Ahead of Your Competition

Right now, there are still more people looking to buy a home than there are houses for sale, which puts you in a great position. But keep in mind, with the recent uptick in new listings, we're seeing more sellers may already be re-entering the market.

Listing your house now helps you beat your competition and makes sure your house will stand out. And if you work with an agent to price it right, it could sell fast and get multiple offers. U.S. News explains:

"When there is low housing inventory, sellers could get top dollar for their homes."

3. Make the Most of Rising Home Prices

Experts forecast home prices will keep going up this year. What does that mean for you? If you're ready to sell your current house and plan to buy another one, it may be a good idea to think about moving now before prices go up more. That would give you the chance to buy your next home before it gets more expensive.

4. Leverage Your Equity

Homeowners today have tremendous amounts of equity. In fact, a recent report from CoreLogic says the average homeowner with a mortgage has more than $300,000 in equity.

If you've been waiting to sell because you were worried about home affordability, know your equity can really help with your next move. It might even cover a big part, or maybe all, of the down payment for your next home.

Bottom Line

If you're thinking about selling your house and moving to another one, let's connect to get the process started now so you can get a leg up on your competition.

If you're looking to buy a home, the recent downward trend in mortgage rates is good news because it helps with affordability. But there's another way this benefits you – it may inspire more homeowners to put their houses up for sale.

The Mortgage Rate Lock-In Effect

Over the past year, one factor that's really limited the options for your move is how few homes were on the market. That's because many homeowners chose to delay their plans to sell once mortgage rates went up. An article from Freddie Mac explains:

"The lack of housing supply was partly driven by the rate lock-in effect. . . . With higher rates, the incentive for existing homeowners to list their property and move to a new house has greatly diminished, leaving them rate locked."

These homeowners decided to stay put and keep their current lower mortgage rate, rather than move and take on a higher one on their next home.

Early Signs Show Those Homeowners Are Ready To Move Again

According to the latest data from Realtor.com, there were more homeowners putting their houses up for sale, known in the industry as new listings, in December 2023 compared to December 2022 (see graph below):

Here's why this is so significant. Typically, activity in the housing market cools down in the later months of the year as some sellers choose to delay their moves until January rolls around.

This is the first time since 2020 that we've seen an uptick in new listings this time of year. This could be a signal that the rate lock-in effect is easing a bit in response to lower rates.

What This Means for You

While there isn't going to suddenly be an influx of options for your home search, it does mean more sellers may be deciding to list. According to a recent article from the Joint Center for Housing Studies (JCHS):

"A reduction in interest rates could alleviate the lock-in effect and help lift homeowner mobility. Indeed, interest rates have recently declined, falling by a full percentage point from October to November 2023 . . . Further decreases would reduce the barrier to moving and give homeowners looking to sell a newfound sense of urgency . . ."

And that means you may see more homes come onto the market to give you more fresh options to choose from.

Bottom Line

As mortgage rates come down, more sellers may re-enter the market – that gives you an opportunity to find the home you're looking for. Let's connect so you've got a local expert on your side who'll help you stay on top of the latest listings in our area.

If you're trying to decide whether to rent or buy a home this year, here's a powerful insight that could give you the clarity and confidence you need to make your decision.

Every three years, the Federal Reserve releases the Survey of Consumer Finances (SCF), which compares net worth for homeowners and renters. The latest report shows the average homeowner's net worth is almost 40X greater than a renter's (see graph below):

One reason a wealth gap exists between renters and homeowners is because when you're a homeowner, your equity grows as your home appreciates in value and you make your mortgage payment each month. When you own a home, your monthly mortgage payment acts like a form of forced savings, which eventually pays off when you decide to sell. As a renter, you'll never see a financial return on the money you pay out in rent every month. Ksenia Potapov, Economist at First American, explains it like this:

"Renters don't capture the wealth generated by house price appreciation, nor do they benefit from the equity gains generated by monthly mortgage payments . . ."

The Largest Part of Most Homeowner Net Worth Is Their Equity

Home equity does more to build the average household's wealth than anything else. According to data from First American and the Federal Reserve, this holds true across different income levels (see graph below):

The green segment in each bar represents how much of a homeowner's net worth comes from their home equity. Based on this data, it's clear no matter what your income level is, owning a home can really boost your wealth. Nicole Bachaud, Senior Economist at Zillow, shares:

"The biggest asset most people are ever going to own is a home. Homeownership is really that financial key that helps unlock stability and wealth preservation across generations."

If you're ready to start building your net worth, the current real estate market offers several opportunities you should consider. For example, with mortgage rates trending lower lately, your purchasing power may be higher now than it has been in months. And, with more inventory coming to the market, there are more options for you to consider. A local real estate agent can walk you through the opportunities you have today and guide you through the process of finding your ideal home.

Bottom Line

If you're unsure about whether to rent or buy a home, keep in mind that owning a home can increase your overall wealth in the long run, no matter your income. To discover more about this and the many other benefits of homeownership, let's connect.

If you want to buy a home, it's important to know how mortgage rates impact what you can afford and how much you'll pay each month. Fortunately, rates for 30-year fixed mortgages have come down significantly since the end of October and are currently under 7%, according to Freddie Mac (see graph below):

This recent trend is great news for buyers. As a recent article from Bankrate says:

"The rate cool-off somewhat eases the housing affordability squeeze."

And according to Edward Seiler, AVP of Housing Economics and Executive Director of the Research Institute for Housing America at the Mortgage Bankers Association (MBA):

"MBA expects that affordability conditions will continue to improve as mortgage rates decline . . ."

Here's a bit more context on how this could help with your plans to buy a home.

How Mortgage Rates Affect Your Search for a Home

Understanding the connection between mortgage rates and your monthly home payment is crucial for your plans to become a homeowner. The chart below illustrates how your ability to afford a home changes when mortgage rates shift. Imagine your budget allows for a monthly payment between $2,400 and $2,500. The green part in the chart shows payments in that range or lower (see chart below):

As you can see, even small changes in rates can affect your budget and the loan amount you can afford.

Get Help from Reliable Experts To Understand Your Budget and Plan Ahead

When you're looking to buy a home, it's important to get guidance from a local real estate agent and a trusted lender. They can help you explore different mortgage options, understand what makes mortgage rates go up or down, and how those changes impact you.

By looking at the numbers and the latest data together, then adjusting your strategy based on today's rates, you'll be better prepared and ready to buy a home.

Bottom Line

If you're looking to buy a home, you should know the recent downward trend in mortgage rates is good news for your move. Let's connect and plan your next steps.

If you're thinking about moving, it's important to know what's happening in the housing market. Here's an update on the supply of homes currently for sale. Whether you're buying or selling, the number of homes in your area is something you should pay attention to.

In the housing market, there are regular patterns that happen every year, called seasonality. Spring is the peak homebuying season and also when the most homes are typically listed for sale (homes coming onto the market are known in the industry as new listings). In the second half of each year, the number of new listings typically decreases as the pace of sales slows down.

The graph below uses data from Realtor.com to provide a visual of this seasonality. It shows how this year (the black line) is breaking from the norm (see graph below):

Looking at this graph, three things become clear:

• 2017-2019 (the blue and gray lines) follow the same general pattern. These years were very typical in the housing market and their lines on the graph show normal, seasonal trends.
• Starting in 2020, the data broke from the normal trend. The big drop down in 2020 (the orange line) signals when the pandemic hit and many sellers paused their plans to move. 2021 (the green line) and 2022 (the red line) follow the normal trend a bit more, but still are abnormal in their own ways.
• This year (the black line) is truly unique. The steep drop off in new listings that usually occurs this time of year hasn't happened. If 2023 followed the norm, the line representing this year would look more like the dotted black line. Instead, what's happening is the number of new listings is stabilizing. And, there are even more new listings coming to the market this year compared to the same time last year.

What Does This Mean for You?

• For buyers, new listings stabilizing is a positive sign. It means you have a more steady stream of options coming onto the market and more choices for your next home than you would have at the same time last year. This opens up possibilities and allows you to explore a variety of homes that suit your needs.
• For sellers, while new listings are breaking seasonal norms, inventory is still well below where it was before the pandemic. If you look again at the graph, you'll see the black line for this year is still lower than normal, meaning inventory isn't going up dramatically and prices aren't heading for a crash. And with less competition from other sellers than you'd see in a more typical year, your house has a better chance to be in the spotlight and attract eager buyers.

Bottom Line

Whether you're on the hunt for your next home or thinking of selling, now might just be the perfect time to make your move. If you have questions or concerns about the availability of homes in our local area, let's connect.

If you've recently decided you're ready to become a homeowner, chances are you're trying to figure out what to do first. It can feel a bit overwhelming to know where to start, but the good news is you don't have to navigate all of that alone.

When it comes to buying a home, there are a lot of moving pieces. And that's especially true in today's housing market. The number of homes for sale is still low, and home prices and mortgage rates are still high. That combination can be tricky if you don't have reliable expertise and a trusted advisor on your side. That's why the best place to start is connecting with a local real estate agent.

Agents Are the #1 Most Useful Source in the Buying Process

The latest annual report from the National Association of Realtors (NAR) finds recent homebuyers agree the #1 most useful source of information they had in the home buying process was a real estate agent. Let's break down why.

How an Agent Helps When You Buy a Home

When you think about a real estate agent, you may think of someone taking you on home showings and putting together the paperwork, but a great agent does so much more than that. It's not just being the facilitator for your purchase, it's being your guide through every step.

The visual below shows some examples from that same NAR release of the many ways an agent adds value. It includes the percentage of homebuyers in that report who highlighted each of these benefits:

Here's a bit more context on how the survey results noted an agent continually helps buyers in these situations:

• Helped Buyer's Understand the Process: Do you know the difference between an inspection and an appraisal, what each report tells you, and why they're both important? Or that there are things you shouldn't do after applying for a mortgage, like buying appliances or furniture? An agent knows all of these best practices and will share them with you along the way, so you don't miss any key steps by the time you get to the closing table.
• Pointed Out Unnoticed Features or Faults with the Home: An agent also has a lot of experience evaluating homes. They've truly seen it all. They'll be able to pinpoint some things you may not have noticed about the home that could help inform your decision or at least what repairs you ask for.
• Provided a Better List of Service Providers: In a real estate transaction, there are a lot of people involved. An agent has experience working with various professionals in your area, like home inspectors, and can help connect you with the pros you need for a successful experience.
• Negotiated Better Contract Terms and Price: Did something pop up in the home inspection or with the appraisal? An agent will help you re-negotiate as needed to get the best terms and price possible for you, so you feel confident with your big purchase.
• Improved Buyer's Knowledge of the Search Area: Moving to a new town and you're not familiar with the area, or you're staying nearby, but don't know which neighborhoods are most affordable? Either way, an agent knows the local area like the back of their hand and can help you find the perfect location for your needs.
• Expanded Buyer's Search Area: And if you're not finding anything you're interested in within your initial search radius, an agent will know other neighborhoods nearby you should consider based on what you like, what amenities you want, and more.

Bottom Line

If you're looking to buy a home, don't forget about the many ways an agent is essential to that process. Any hurdle that pops up, a negotiation that needs to take place, and more, your agent will know how to handle it while they make sure to minimize your stress along the way. Let's connect to tackle this together.

Even with so much data showing home prices are actually rising in most of the country, there are still a lot of people who worry there will be another price crash in the immediate future. In fact, a recent survey from Fannie Mae shows that 23% of consumers think prices will fall over the next 12 months. That's nearly one in four people who are dealing with that fear – maybe you're one of them.

To help ease that concern, here's what the experts say will happen with home prices not just next year, but over the next five years.

Experts Project Ongoing Appreciation

While seeing a small handful of expert opinions may not be enough to change your mind, hopefully, a larger group of experts will reassure you. Here's that larger group.

The Home Price Expectation Survey (HPES) from Pulsenomics is a great resource to show what experts forecast for home prices over a five-year period. It includes projections from over 100 economists, investment strategists, and housing market analysts. And the results from the latest quarterly release show home prices are expected to go up every year through 2027 (see graph below):

And while the projected increase in 2024 isn't as large as 2023, remember home price appreciation is cumulative. In other words, if these experts are correct after your home's value rises by 3.32% this year, it should go up by another 2.17% next year.

If you're worried home prices are going to fall, here's the big takeaway. Even though prices vary by local area, experts project they'll continue to rise across the country for years to come at a pace that's more normal for the market.

What Does This Mean for You?

If you're not convinced yet, maybe these numbers will get your attention. They show how a typical home's value could change over the next few years using the expert projections from the HPES. Check out the graph below:

In this example, let's say you bought a $400,000 home at the beginning of this year. If you factor in the forecast from the HPES, you could potentially accumulate more than $71,000 in household wealth over the next five years.

Bottom Line

If you're someone who's worried home prices are going to fall, rest assured a lot of experts say it's just the opposite – nationally, home prices will continue to climb not just next year, but for years to come. If you have any questions or concerns about what's next for home prices in our local area, let's connect. 

If you're worried about a coming recession, you're not alone. Over the past couple of years, there's been a lot of recession talk. And many people worry, if we do have one, it would cause the unemployment rate to skyrocket. Some even fear that a spike in unemployment would lead to a rash of foreclosures similar to what happened 15 years ago.

However, the latest Economic Forecasting Survey from the Wall Street Journal (WSJ) reveals that, for the first time in over a year, less than half (48%) of economists believe a recession will actually occur within the next year:

"Economists are turning optimistic on the U.S. economy . . . economists lowered the probability of a recession within the next year, from 54% on average in July to a more optimistic 48%. That is the first time they have put the probability below 50% since the middle of last year."

If over half of the experts no longer expect a recession within the next year, you might naturally think those same experts also don't expect the unemployment rate to jump way up – and you'd be right. The graph below uses data from that same WSJ survey to show exactly what the economists project for the unemployment rate over the next three years (see graph below):

If those expert projections are correct, more people will lose their jobs in the upcoming year. And job losses of any kind are devastating for those people and their loved ones.

However, the question here is: will there be enough job losses to cause a wave of foreclosures that will crash the housing market? Based on historical context from Macrotrends and the Bureau of Labor Statistics (BLS), the answer is no. That's because the unemployment rate is currently near all-time lows (see graph below):

As the orange bar in the graph shows, the average unemployment rate dating back to 1948 is 5.7%. The red bar shows, the last time the housing market crashed, in the immediate aftermath of the 2008 financial crisis, the average unemployment rate was up to 8.3%. Both of those bars are much higher than the unemployment rate today (shown in the blue bar).

Moving forward, projections show the unemployment rate is likely to stay beneath the 75-year average. And that means we won't see a wave of foreclosures that would severely impact the housing market.

Bottom Line

Most economists no longer expect a recession to occur in the next 12 months. That's why they also don't expect a dramatic rise in the unemployment rate that would lead to a rash of foreclosures and another housing market crash. If you have questions about unemployment and its impact on the housing market, let's connect.

First settled in 1788, Cincinnati has grown into the largest metropolitan area in Ohio. Cincinnati's story is told through an assortment of remarkable buildings and landmarks that testify to the city's durability. Explore the Queen City by visiting these great attractions.

Tyler Davidson Fountain

28 E. 5th St., Cincinnati, OH 45202

If you've ever watched the popular sitcom WKRP in Cincinnati, you've seen this iconic fountain during the opening credits. While its official name is "The Genius of Water," most people know it as the Tyler Davidson Fountain after the Cincinnati businessman to whom it was dedicated. Large figures around "The Lady" represent various practical uses of water. The four child figures, representing the pleasures of water, are actually freshwater drinking fountains.

Harriet Beecher Stowe House

2950 Gilbert Ave., Cincinnati, OH 45206

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You don't have to be a book lover to enjoy a visit to the Harriet Beecher Stowe House. While it was the childhood home of the Uncle Tom's Cabin author, the house offers a fascinating glimpse into the history of Cincinnati. In the 1930s, the home became the Edgemont Inn, listed in the legendary "Green Book" as a safe haven for African-Americans. During spring, summer, and fall, the HBSH also serves as the starting point for various walking tours. Starting February 1, hours are 10 a.m. - 4 p.m. Thursday through Saturday and noon - 4 p.m. Sunday. Admission is $6 for adults and $3 for ages 6-17.

Cincinnati Fire Museum

315 W. Court St., Cincinnati, OH 45202

Firefighters and other first responders are everyday heroes. Learn more about this noble profession at the Cincinnati Fire Museum, listed on the National Historic Registry. Did you know that Cincinnati established the country's first paid fire department in 1853? Museum artifacts include some of the oldest firefighting equipment in existence, such as leather buckets, alarm drums, and an actual steam fire engine. Fire safety education is conducted in the Safe House, an interactive exhibit where visitors take part in a simulated "fire event." Museum hours are 10 a.m. - 4 p.m. Tuesday through Saturday. Admission is $8 for adults and $6 for ages 7-17.

The Betts House

416 Clark St., Cincinnati, OH 45203

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p>At the turn of the 19th century, William Betts accepted 111 acres of land as payment for a loan. It's doubtful he knew that the Betts House, which he built on that property for his family of nine, would still be standing as his legacy into the 21st century. Incredibly, the house has survived industrial growth, urban decay, and even an earthquake to remain as the oldest brick house in Ohio on its original site. Exhibits and programs are often attended by historians and architects to study building materials and traditions of the past. The Betts House is open Wednesday, Friday, and Saturday from noon - 5 p.m.

Loveland Castle

12075 Shore Dr., Loveland, OH 45140

Travel back to the medieval times of Middle Age Europe without leaving Ohio. Loveland Castle is a faithful, full-scale replica of keeps built by the Roman Empire a thousand years ago. The castle was originally constructed in the late 1920s by Harry Andrews as a getaway for his group of Boy Scouts and Sunday school members. Keep an eye out for ghosts that are reputed to live in the castle and pack a picnic lunch to enjoy afterwards on the scenic grounds. Hours are 11 a.m. - 5 p.m. daily except November 1 through March 31, when the castle is open on Friday, Saturday, and Sunday only. Admission is $5 for ages 5 and up.

Cincinnati Music Hall

650 Walnut St., Cincinnati, OH 45202

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From the stunning Victorian-Gothic exterior to the various artistic companies that call the building home, the Cincinnati Music Hall is one of the city's more impressive attractions. Performances are held in Springer Auditorium, the central portion of the building, which features a mural called "Allegory of the Arts" on its domed ceiling. Springer Auditorium has hosted a diverse list of world-famous musical artists, including Frank Sinatra, Prince, and Bob Dylan. Indoor tours are conducted year-round, while outdoor tours are offered during summer months. Visit the website for tour information and calendar of events. 

Cincinnati Nature Center

4949 Tealtown Rd., Milford, OH 45150 

In 1965, Stanley M. Rowe, Sr.'s long-held dream of an educational outdoor preserve came true. Thanks to the efforts and donations of several prominent Cincinnati residents, the Cincinnati Nature Center opened to the public. Rowe Woods, the center's core property, was once the 175-acre estate of Carl and Mary Krippendorf. Neil McElroy, one-time chairman of Proctor & Gamble, donated Long Branch Farm for use as a green space. Most recently, in 1995, siblings Jim and Dorothy Gorman gifted their family's Gorman Heritage Farm, which provides a valuable look at an actual working farm. Admission is $10 for adults and $6 for ages 4-12. Pets are welcome for a $3 fee. Visit the website for seasonal hours.

Over-the-Rhine National Historic District

230 E. 13th St., Cincinnati, OH 45202

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Dating back to the 19th century, the Over-the-Rhine National Historic District is one of the country's largest and most intact urban historic districts. Unlike most historic districts that feature exquisite mansions and elaborate architecture, the OTR, as it's affectionately known, is notable for its origins as a working-class neighborhood of German immigrants. In the 21st century, the OTR is a vibrant mix of past and present. You can easily spend a day or more visiting attractions such as Findlay Market, the Brewery District, and an eclectic mix of boutiques, restaurants, and entertainment.

History of the Past, Dreams of the Future

Whether you're a lifelong resident or new to the area, what's the first thing that comes to mind when you hear the word, "Cincinnati?"

Elevate your grocery shopping by stopping by one of Ohio's specialty food markets, which sell plenty of delicious and interesting foods. You'll be able to try new foods and make your meals more special and tasty.
  
Explore these specialty food markets around Northeast Ohio, Columbus, and Cincinnati the next time you shop.

West Side Market

1979 W. 25th St., Cleveland, OH 44113

Opening in 1912, West Side Market is Cleveland's oldest municipally owned market. Its setting is beautiful, with the building designed by renowned architects who included a 44-foot-high tile vaulted ceiling and a 137-foot-tall clock tower. Its eclectic mix of shops includes Theresa's Bakery, known for more than 30 types of fresh, homemade bread and European pastries, including 17 flavors of cannoli. Rita's is another popular market vendor where you'll find a variety of stuffed olives, fresh horseradish and barrel kraut, and fresh-ground peanut butter.

Mustard Seed Market

3885 Medina Rd., Akron, OH 44333

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With its motto of "Real food is good food," Mustard Seed Market has followed many stringent ingredient standards since 1981. Its products are free of high-fructose corn syrup, artificial colors and flavoring, harmful chemicals and preservatives, saccharin and aspartame, antibiotics and hormones in meats, bleached or bromated flour, and irradiation. Fill your cart with produce from local farmers that's organic whenever possible, fresh-baked bread, pastries, and pies, high-quality, responsibly sourced meat and seafood, bulk foods, and more. And in the grocery department, you'll find affordable, high-quality, natural foods from local suppliers.

Bunker Hill Cheese

6005 County Road 77, Millersburg, OH 44654

Bunker Hill Cheese is a third-generation family-owned company that was established in 1935. The company partners with local farmers and makes over 25 types of cheese, averaging 50,000 pounds a week. Whether you'd like cheese for a snack, to use in a recipe, or to help create a delicious charcuterie board, you can find it here. You'll find A2 milk cheese (easier to digest), cheddar, farmers cheese, fiesta jack marble with jalapeno kick, Bermuda onion, feta, raw milk cheese, and more. And to carry the cheese theme even further, the market sells Heini's cheese fudge in flavors including blueberry, chocolate, and rainbow sherbet.

North Market

59 Spruce St., Columbus, OH 43215

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North Market, located in downtown Columbus, has been open for nearly 150 years. The venue houses more than 30 independently owned small businesses where you can pick up a wide variety of fresh produce, meat, poultry, specialty food items, and more. For a delicious snack, stop by American Nut Company, specializing in Bavarian Glazed Roasted Almonds and Pecans with a touch of cinnamon, vanilla, and sugar. For a prepared meal, visit Flavors of India, which serves dishes made with freshly sourced ingredients and healthy herbs and spices.

The Hills Market

7860 Olentangy River Rd., Columbus, OH 43235

The Hills Market is a unique shopping destination where you can shop inside the market or have your groceries delivered. Its departments sell wholesome, fresh foods, including produce from Ohio farmers and family-owned distributors. Its full-service butcher shop features high-quality meat sourced from around Ohio without any growth-promoting hormones or antibiotics. The produce department features hand-selected fruits and veggies from Ohio farmers and family-owned distributors. For added convenience, stop by the Chef's Case for house-made dishes, including the market's popular crab cakes with sherry cayenne dipping sauce.

Carfagna's Market

1440 Gemini Place, Columbus, OH 43240

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Carfagna's Market aims to provide the best quality items at the lowest possible price. The market isn't tied to any particular suppliers, so the owners are free to shop around to find and sell the best products from small and family-owned businesses. Its butcher shop sells meats cut fresh daily and sourced from farmers who implement humane practices. You can also treat yourself to a wide variety of fresh, delicious foods, including treats from Columbus' largest homemade Italian cookie selection, homemade cannoli filled to order, organic homemade pasta sauce, and handmade artisan pasta.

Jungle Jim's International Market Eastgate

4450 Eastgate South Dr., Cincinnati, OH 45245

You'll find a unique mixture of specialty grocery items at Jungle Jim's International Market, including colorfully unique sodas where you can try a new root beer or be adventurous and buy Buffalo Wing Soda. If you love coffee or tea, stop by the Coffee Bar, where you'll find over 50 varieties of coffee from local micro-roaster Seven Hills, as well as over 20 varieties of loose-leaf teas. You'll also find dozens of honey varieties and honey-related products like honey candy, butter, or cream. And make sure to stop by the Candy Castle for nostalgic favorites or trendy new candies.

Findlay Market

1801 Race St., Cincinnati, OH 45202

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Located just blocks from downtown in the Over-the-Rhine neighborhood of Cincinnati, Findlay Market attracts more than one million visitors a year. You'll find plenty of farm-fresh, locally sourced specialty foods for sale from more than 50 full-time merchants. If you're craving a ready-made meal, stop by Flavors of the Isle, where you'll find dishes with a blend of Southern soul food and Jamaican cuisine. Try the jerk chicken, made with the owner's homemade jerk seasoning and sauce. Or visit Dean's Mediterranean Imports for nuts roasted onsite, many varieties of Lebanese-style yogurt, pita breads, and more.

Remke Markets

6920 Burlington Pike, Florence, KY 41042

Remke Markets has several locations throughout the area and is known for its excellent customer service. In addition to the usual grocery offerings, you'll find a dedicated soup and salad bar as well as a sushi bar. If you'd like to save time and effort but still get the products you love, try the Mobile Market app, where a trained personal shopper selects items from your order and has it waiting for you when you come to the store.

Don't Settle for Ordinary

What specialty food markets do you visit in Ohio, and what items are your favorites to buy? 

You don't have to live in the mountains to enjoy rock climbing, and you don't need warm weather either! While the state of Ohio offers some amazing outdoor rock climbing destinations for spring, summer, and fall, the colder months force us to look indoors. 

Luckily, there are also some incredible indoor rock gyms all over the Buckeye state! If you're searching for the best indoor rock climbing in Ohio, look no further.

Nosotros Rock Climbing Gym

2020 Euclid Avenue, Cleveland, OH 44115

With two Northeast Ohio locations in Cleveland and Lakewood, Nosotros Rock Climbing Gym offers some of the best climbing facilities in this part of the state. The Cleveland location features 2,000 square feet of climbable space and a Kilterboard with around 8,000 training routes. Beginner, intermediate, and private climbing classes are available, plus a weight room and yoga classes. Affordable day passes and first-timer tours of Nosotros Rock Climbing Gym are available, helping to make it more accessible to those who might be new to climbing.

Cleveland Rocks Climbing

2831 Franklin Boulevard, Cleveland, OH 44113

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Offering lead climbing, top rope, and bouldering, Cleveland Rocks is a world-class indoor climbing facility that spans 18,000 square feet. The gym is located inside Cleveland's renovated Ohio City Masonic Temple, a historical structure providing a unique climbing venue. Cleveland Rocks offers three separate climbing areas, with roped walls up to 54 feet, and also hosts a wide range of climbing classes and programs for youths and adults. It's one of the best spots for beginner and advanced climbers in Northeast Ohio.

Rock Mill

677 Carroll Street, Akron, OH 44304

Akron's Rock Mill is a great place to climb, but it's also much more. Yoga classes are taught almost every day of the week, and traditional fitness facilities are also open to members and visitors alike. That includes a weight training area and cardio equipment. Rock Mill also offers a well-stocked coffee bar that serves locally sourced coffee, beer, and food. For those just here to climb, you'll find a 6,000-square-foot bouldering hall with 80-plus bouldering problems that are reset every week to consistently provide new challenges. 

Chambers Purely Boulders

1165 Chambers Road, Columbus, OH 43212

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A cheery indoor bouldering gym near the OSU Campus in Greenview, Chambers Purely Boulders is one of the best places in Columbus for aspiring climbers. With a wide range of weekly programs that teach bouldering and climbing fundamentals, Chambers Purely Boulders makes it easy to get on the wall, even if you've never climbed before. The gym hosts a variety of classes and clinics as well, including weekly yoga classes that are free for members.

Vertical Adventures

6513 Kingsmill Court, Columbus, OH 43229

Open since 1994, Vertical Adventures has been providing an amazing indoor rock climbing experience in Columbus since long before rock gyms became hip or trendy. A staple of the Columbus climbing community, this facility offers over 16,000 feet of terrain that caters to a wide range of climbing styles, including lead, top-roping, and bouldering. Beginner and climbing fundamentals classes are available for anyone who wants to gain some rock climbing experience. 

Bloc Garten

512 Maier Place, Columbus, OH 43215

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With a welcoming environment and supportive community, Bloc Garten is one of the best bouldering gyms in Central Ohio. With new bouldering problems reset every week on Tuesdays, the gym's dynamic bouldering walls constantly provide new challenges to climbers of all skill levels. Free gear rental is available for your first visit, and the gym offers a 90-minute fundamentals class that helps new climbers find their footing. Regular climbing clinics also provide new insight and instruction for experienced climbers to up their game, both physically and mentally. 

Climb Cincy

1708 Blue Rock Street, Cincinnati, OH 45223

Opened in 2020, Climb Cincy is one of the newest indoor rock gyms in the Cincinnati area. The facility is nestled in the beautiful Northside neighborhood of Cincinnati, and the folks who run it make a point of catering to climbers of all experience levels to create an environment where all are welcome. Climb Cincy is a bouldering facility, which means participants climb over padded floors with no ropes or harnesses involved. Walls range from 11 to 14 feet tall, and many routes are beginner-friendly, while others will challenge even the most seasoned climbers. 

Mosaic Climbing

9501 Union Cemetery Road, Loveland, OH 45140

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No matter what your preferred style of climbing may be and how much experience you may have, Mosaic Climbing offers something for you. Located in the small city of Loveland within the Cincinnati metro area, Mosaic Climbing offers one of the most impressive, wide-ranging climbing facilities in Ohio. In addition to bouldering terrain, Mosaic offers top-rope, auto-belay, and lead climbing, plus a variety of climbing-related training equipment and a complete fitness facility with yoga rooms. Private and group instruction is available for youths and adults.

RockQuest Climbing Center

3475 East Kemper Road, Cincinnati, OH 45241

Located in a renovated industrial space in Sharonville, just north of Cincinnati, RockQuest Climbing Center is one of Ohio's longest-running indoor climbing gyms and a staple of the local climbing community in the Cincy area. RockQuest offers around 15,000 square feet of climbing surface, with roped climbing as well as bouldering. Belay classes are available, teaching essential top rope climbing skills, including knots and techniques. 

View From the Top

Where's you're favorite place to climb around Ohio?

No matter who you root for, early February is when all sports fans come together to celebrate the biggest event of the year. With football's game of the year just around the corner, now is the time to figure out where you'll be watching. 

Many sports bars across Northeast Ohio offer a comfortable viewing experience, a fun atmosphere, and of course, all the wings and beer you need, an essential part of any game-day experience. If you're looking for some great places to check out, here are some of our top recommendations.

The Clevelander Bar & Grill

834 Huron Rd. E, Cleveland, OH 44115

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One of the most popular sports bars in Cleveland, The Clevelander Bar & Grill is a lively and fun place to watch any sporting event. You'll find more than 10 flat-screen TVs, so you can get a great vantage point from anywhere in the house. Happy hour is from 8 to 9 p.m., and almost everything is $2. An excellent beer list and plenty of creative cocktails complement upscale bar food and classic American fare. This place fills up quickly on game days, so be sure to get there early.

Characters Sports Bar & Grill

6007 Brookpark Rd., Parma, OH 44129

If you're looking for a sports bar with some personality, you'll definitely want to try Characters Sports Bar & Grill. This friendly neighborhood hangout has some of the best wings in town and a huge draft beer selection. The bartenders are very friendly, and the service is great. There is a large, comfortable bar area and plenty of TVs. Enjoy numerous drink specials throughout the week and great deals for the big game. This is the sports bar for you if you want to have a nice dinner and watch the game.

Barley House

222 S. Main St. #1B, Akron, OH 44308

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Located near Canal Park, Barley House is a popular sports bar downtown. The bar and restaurant has more than 30 big TVs, a rotating list of 30 craft beers, and some of the best service in town. The restaurant is large, so there will be lots of space available on Feb. 12. Order some wings, nachos, or pretzel sticks to snack on during the game. You'll want to come back during warmer months and take advantage of their patio!

The Score Draft Room

426 E. Exchange St., Akron, OH 44304

An excellent sports bar on the University of Akron Campus, Score Draft Room is the place to be. One of the best parts about this place is the atmosphere. With a younger crowd and plenty of drink specials, the atmosphere is a lot of fun. Cheap but delicious bar food is available to order. If you're planning to go for the big game, get there early. The place fills up quickly, especially for popular events.

The Third Place

3314 Warren Rd., Cleveland, OH 44111

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If you're looking for a laid-back game day spot, try Third Place. With some great bar food, craft beer, several big-screen TVs, and plenty of space, you won't find it hard to make yourself right at home. Pool tables and arcade games are available to play during halftime. While Third Place serves some good pizza, it's the wings that are the highlight of the menu. Make sure to check their website for food specials throughout the week.

69 Taps

370 Paul Williams St., Akron, OH 44311

Those who love sports and beer will love watching the game at 69 Taps. Named after its impressive draft beer system (which features 69 different beers), this place is a great option on any game day. Beers are available by the pitcher, and the food menu features some great burgers and bar food. The Big Jake Burger is definitely worth a try. It's a classic cheeseburger loaded with Jake's Secret Sauce. Grab some friends and play pool, darts, or a variety of other games upstairs. This bar and taproom draws an energetic crowd on game days!

City Tap Cleveland

750 Prospect Ave. E, Cleveland, OH 44115

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Forty draft beers, 60 cans, and plenty of big-screen TVs make this popular bar in downtown Cleveland a great place to watch any sporting event. You'll love the vibrant atmosphere at City Tap Cleveland, especially during a big game. If you're hungry, we recommend The Viking Burger, grilled in garlic parmesan wing sauce and topped with house-made guac, mayo, and swiss cheese. Or opt for one of nine different flavors of wings.

Dive Bar

1214 W. 6th St., Cleveland, OH 44113

This sports bar/entertainment center in the Warehouse District is a prime destination on weekends, and watching football's biggest event here will be a blast. A whopping 32 big-screen TVs, 24 draft beers, skeeball, and other arcade games make Dive Bar a great time. An all-request DJ hosts the evenings on Fridays, Saturdays, and during select special events. 

First and Goal

Where will you watch the big game around Northeast Ohio this year?

So the holidays are over, and the countdown to spring begins. Happily, the gift-giving continues into January with this month's free offers, courtesy of Cutler Homes and LoLo Gifts.

Will you sample some donuts in Northeast Ohio, savor some pizza in Columbus, or indulge in some chocolates in Cincinnati? Here is this month's line-up of fabulous freebies.

January Gifts:

Cincinnati: Chocolates

Cleveland: Donuts

Columbus: A Pizza Boat

Medina: Socks

Akron: A Sandwich and Soup

Canton: Cupcakes

Wooster: Socks

Kent/Stow: A Smoothie

Cincinnati: Chocolates

Tickled Sweet

317 Main St., Milford, OH 45150

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Chocolate makes a bad day good and a good day better. Enjoy one of life's great pleasures with your gift of chocolates from Tickled Sweet.

About Tickled Sweet

Bambi Merz's career path wasn't always lined with sweets, but after a chance visit to a candy and snack expo, she was hooked. After years of mentoring by Randy Auel, Bambi purchased his namesake shop, now known as Tickled Sweet. One thing that hasn't changed is the collection of top-quality fudge, bars, dipped Oreos, and other chocolate treats.

Contact and Hours

513.880.4169

Monday - Thursday: 10 a.m. - 6 p.m.
Friday and Saturday: 10 a.m. - 7 p.m.
Sunday: Noon - 5 p.m.

Cleveland: Donuts

Jack Frost Donuts

4960 Pearl Rd., Cleveland, OH 44109

Homer Simpson's love of donuts runs so deep that he sold his soul for one in the Treehouse of Horror. While you may not be that extreme, you'll certainly appreciate his emotion after sampling your gift from Jack Frost Donuts.

About Jack Frost Donuts

Since 1937, generations of families have turned to Jack Frost Donuts for their handmade treats. The family that owns and runs the shop has handed down their original recipe over decades. Choose from a rotating daily menu featuring selections from dozens of luscious flavors such as maple bacon, salted caramel, and Fruity Pebbles.

Contact and Hours

216.351.3638

Monday - Sunday: 6 a.m. - 6 p.m.

Columbus: A Pizza Bowl

GoreMade Pizza

936 N. 4th St., Columbus, OH 43201

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Pizza manages to be consistent yet full of variety, which explains much of its appeal. Even if you're a veteran 'za lover, you'll find something new with your free pizza bowl from GoreMade Pizza. 

About GoreMade Pizza

Hosting a weekly pot-luck pizza party with friends showed Nick Gore how toppings could make each pie unique. Nick then turned the purchase of a mobile wood-fired pizza oven into a successful catering business, leading to the current brick-and-mortar restaurant. Ingredients such as sausage, banana peppers, and roasted mushrooms are sourced locally for freshness.

Contact and Hours

614.725.2115

Tuesday - Sunday: Noon - 9 p.m.

Medina: Socks

JK Gift Shop

207 S. Court St., Medina, OH 44256

You can never have too many socks. Pick up a free pair of socks that are both fashionable and practical from JK Gift Shop.

About JK Gift Shop

Home decor is all in the family for Julie McNabb and Katie Heinz, owners of JK Gift Shop. The sister duo followed in the footsteps of their mother, Amy Douglass, who founded The Interior Design Studio. Julie and Katie expanded the business by adding the gift shop and its stylish assortment of products.

Contact and Hours

330.725.7623

Monday - Saturday: 10 a.m. - 5 p.m.
Sunday: Noon - 5 p.m.

Akron: A Sandwich and Soup

Niko's Sandwich Board

1947 W. Market St. #104, Akron, OH 44313

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What's more satisfying than a hearty bowl of soup on a cold winter day? How about a free sandwich to go with your soup at Niko's Sandwich Board?

About Niko's Sandwich Board

Customers flock to Niko's Sandwich Board to enjoy the wide selection of soups, salads, and sandwiches on the menu. The cozy, welcoming dining room atmosphere keeps them coming back for more. If you're short on time, just call ahead and get your Reuben, tuna sandwich, or chef salad to go.

Contact and Hours

330.794.5444

Monday - Friday: 11 a.m. - 7 p.m.
Saturday: 11 a.m. - 3 p.m.

Canton: Cupcakes

Sprinkle City Bakery & Cafe

1430 W. Maple St., North Canton, OH 44720

Are cupcakes the perfect combination of cake and frosting? Test this theory with your free gift from Sprinkle City Bakery & Cafe.

About Sprinkle City Bakery & Cafe

Whether you're craving a home-cooked meal or a sweet treat to brighten your day, you'll find it at Sprinkle City Bakery & Cafe. The revolving menu of savory items includes dishes such as Southwest chicken salad, Italian wedding soup, and jalapeño popper grilled cheese. The latest addition to their already extensive bakery menu is the cruffin, a cross between a croissant and a muffin.

Contact and Hours

330.933.0767

Wednesday - Friday: 10 a.m. - 5 p.m.
Saturday: 10 a.m. - 2 p.m.
Sunday: 9 a.m. - 1 p.m.

Wooster: Socks

JK Gift Shop

114 E. Liberty St., Wooster, OH 44691

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Socks have gone from ho-hum accessories to fun and funky fashion statements. Express your personality with a colorful pair of socks from JK Gift Shop.

About JK Gift Shop

Need a gift for a friend or family member, or just looking to treat yourself? Find something for everyone at JK Gift Shop. Owners (and sisters) Julie McNabb and Katie Heinz travel to all the top markets and trade shows to source the unique selection of housewares, jewelry, and other gift items found in their delightful shop.

Contact and Hours

330.725.7623

Monday - Saturday: !0 a.m. - 5 p.m.

Kent/Stow: A Smoothie

Kwench Juice Cafe

100 E. Erie St., Suite 126, Kent, OH 44240

Want a simple and tasty way to add nutrients to your diet? Head to Kwench Juice Cafe for your free smoothie.

About Kwench Juice Cafe

It's hard to believe the delicious products at Kwench Juice Cafe are packed full of vitamins, fiber, and other vital nutrients. In addition to smoothies, freshly-squeezed juices, and açai bowls, the cafe offers a selection of sandwiches and wraps.

Contact and Hours

330.302.1682

Monday - Sunday: 10 a.m. - 6 p.m.

A Year Full of Gifts

Thanks to our partnership with LoLo Gifts, every month is a holiday! Just contact your Cutler Real Estate agent to get started.

Cutler Realtors are committed to providing the excellent customer service necessary to help clients buy and sell homes across Northeast Ohio, Columbus and Central Ohio, and Cincinnati and Northern Kentucky. It's been a core value since our founding in 1947, along with the honesty and integrity we're known for in the communities we serve.

Each month we recognize those agents who have gone above and beyond to meet and exceed client goals. We congratulate the following Realtors and groups for providing the superior customer service people have come to expect from Cutler Real Estate. Join us in celebrating the top producers, production leaders, and listing leaders for December 2022.

Regions:

Northeast Ohio

Columbus & Central Ohio

Cincinnati & Northern Kentucky

Northeast Ohio

Columbus & Central Ohio

Cincinnati & Northern Kentucky

Ready To Help

If you're looking for an experienced real estate professional, we can help. Find out how Cutler Real Estate can assist you with buying or selling a home across Ohio and Northern Kentucky. Find a Realtor today.