Myth-busting & headline checks

You marry the house, date the rate. If you find the right home in the right neighborhood, you refinance when rates drop. But if you wait for 'perfect rates,' you compete with everyone else who waited, prices rise, and you've paid rent the whole time. Here's the honest math most people skip: on a typical Minneapolis home, the monthly payment often lands in the same ballpark as renting a comparable place — and the gap, where there is one, is buying you equity, principal paydown, and tax benefits instead of building a landlord's wealth. Run the 5-year projection with a lender on a real home at today's rate, then decide. Want a hand with that projection? Send me a text and we'll rough it out together — rent versus own.

A 'crash' requires forced selling—people who MUST sell at any price. In 2008, that was subprime mortgages resetting. Today? Most homeowners have 3-4% rates and plenty of equity. They won't sell unless they have to. Inventory stays low, which supports prices. Could we see 5-10% corrections? Yes, in some segments. But 20-30% drops like 2008? The fundamentals don't support it. The Twin Cities has diverse employers, no single-industry dependency, and steady population growth. I'd bet on flat-to-slow-growth, not crash. Want it grounded in our market instead of the national headlines? Send me a text and I'll show you the local numbers.

Yes. No strings, no automatic enrollment in anything, no follow-up sales sequence disguised as a 'welcome series.' You text the keyword, the guide comes back. That's it. The reason it's free is straightforward: my job is to be useful before I'm ever hired. If the guide helps you understand what you're walking into — the inspection process, how to read a competitive offer situation, what actually happens between accepted offer and closing — then you're better prepared, and that's good regardless of whether you ever work with me. Some people download it and buy with someone else. That's fine. Some people download it, find it useful, and call me when they're ready. That's how it's supposed to work. The guide is honest. It doesn't pretend the process is simpler than it is, and it doesn't position me as the only person who can navigate it. What it does is give you a real picture of what to expect, so you're not learning the hard parts at the worst moments. Text GUIDE to (612) 208-7653 and it'll come right back to you.

The Twin Cities market in 2026 is doing what it's done for most of the last three years: moving, but carefully. Inventory has been the story for a while. We've had more homes come to market than during the height of the shortage, but we're not back to the kind of selection that gives buyers real leverage in most price ranges. Well-priced homes in strong neighborhoods still move quickly. Overpriced homes sit — and the market is less forgiving about pricing mistakes than it was in 2021 and 2022. For buyers: the frenzy of waiving everything and paying dramatically over asking has cooled, but don't mistake 'calmer' for 'easy.' You still need to be prepared, pre-approved, and clear on what you want before something you love hits the market. The buyers who do well are the ones who've done the homework ahead of time. For sellers: pricing correctly from day one matters more than it did when everything sold regardless. The homes that sit usually sat because the pricing didn't match what the comps supported. A well-prepared, accurately priced home is still a strong seller. A home that's priced for the 2022 market is going to have a harder time. For both: rates have stabilized enough that the paralysis of 2023 and 2024 has eased. People are moving again — maybe not at the pace of the peak, but for real reasons, in real numbers. For a more specific read on what's happening in your area or price range right now, reach out. The zip-code level picture is always more useful than the metro-wide one.