The Market Flip & The Foreclosure Myth

🏡 “The Market’s Moving — Are You About to Miss the Flip?”

A Grown-Up Look at Interest Rates, Market Momentum, and Why It’s Time to Get Off the Fence

Let’s talk turkey — because while interest rates are trying to chill the housing market like a Thanksgiving deep freeze, real estate isn’t dead. In fact, it’s waking up.

And if you’re waiting for the “perfect” time to buy or sell, here's the spoiler: the perfect time was yesterday. The next best time is now — especially in markets like ours, where affordability, relocation interest, and supply-demand tension are still driving opportunity.

So… what’s really happening?
And should you be buying, selling, or sitting with your popcorn and watching Zillow like it’s a Netflix original?

Let’s break it down.

🔍 THE TRUTH BEHIND INTEREST RATES

We’ve all heard the headlines:

And while there's some truth in the drama, here’s what the numbers say:

• Rates are hovering between 6.5%–7.5%, depending on your credit, lender, and loan type. That’s historically normal. (We just got spoiled by 3% during the pandemic.)

• Buyers are still buying — especially those who’ve accepted that “marrying the house and dating the rate” (aka: refinancing later) is a legit long-term move.

• Inventory remains low. That means if you’re selling, you still hold a strong hand — especially if your home is well-priced and well-prepped.

In short: the market isn’t crashing — it’s correcting. And corrections don’t kill wealth — they create it for the bold.

🏚️ “Foreclosures Are Creeping In… but This Ain’t 2008”

Okay, let’s address the elephant in the escrow:

Yes, foreclosures are up.
No, it’s not the real estate apocalypse.

Here’s what the data shows:

• Foreclosure filings rose 10% in Q1 2025 compared to Q4 2024 — but are still 45% lower than pre-2008 norms.

• Most defaults are tied to pandemic-era loans, small business closures, or buyers who overleveraged in 2021-2022.

• This is not a system-wide collapse — it’s a course correction with some isolated hiccups.

What it does mean: we may see more distressed properties hitting the market. And if you’re an investor or a cash buyer, that’s a door of opportunity opening just slightly.

But don’t count on rock-bottom deals — most sellers still have strong equity, and many defaults are being resolved before going to auction.

Bottom line: this is not the bubble burst. It’s just the air-conditioning kicking on in a room that was getting a little too hot.

💸 BUYING? HERE’S WHY NOW MIGHT BE THE BEST TIME (AGAIN)

With rates holding steady and sellers becoming more flexible, buyers have a growing advantage right now — especially in negotiation leverage.

Here’s what you can get that wasn’t on the table a year ago:

• Seller-paid closing costs

• Rate buydowns

• Inspection repairs

• Price reductions on stagnant listings

And here's where I come in with a 🔥 hot deal:

🔧 THE “HOT HOME WARRANTY” HOOK-UP

When you buy or list with me — I’ll throw in a FREE 1-year home warranty. No strings. No gimmicks. Just peace of mind.

Why does this matter?
Let’s talk real-life scenarios:

• 🔌 The A/C dies three weeks after closing? Covered.

• 🧺 Washer turns into a glorified paperweight? Covered.

• 🔥 Oven goes full “Hunger Games” on your casserole night? Covered.

This warranty could save you hundreds to thousands in unexpected costs — and makes your offer more attractive in competitive negotiations (especially if you’re buying).

Sellers? This is your marketing advantage. A buyer sees “free home warranty” on your listing and immediately feels safer. It could literally tip the scale in your favor.

⏳ THE TAKEAWAY

Whether you're buying, selling, or seriously "Zillowing" in your downtime, here’s the deal:

✅ The market isn’t crashing.
 ✅ Foreclosures aren’t flooding us.
 ✅ Rates are more balanced than brutal.
 ✅ And timing the market is about as reliable as asking your cat for stock tips.

If you're ready to stop watching and start winning in real estate — let's talk.

And hey — if nothing else, I’ll throw in a home warranty that’ll make sure your dishwasher drama doesn’t become a divorce catalyst.

📞 Ready to talk strategy, value, or vent about the market over coffee?

Call, text, or reply directly to this newsletter and let’s get you moving — whether that means into a new home or out of one.