Author: thekelsiward

What An Election Year Means For The Palm Harbor Housing Market

Every election cycle, people wonder: Is now the right time to buy a house, or should I wait until after the election? It’s a good question, but the answer isn’t as simple as you might think. While elections can stir up uncertainty, history shows their impact on the housing market is usually pretty small and short-lived. So, let’s break it down.

Does an Election Really Shake Up the Housing Market?

The data tells us that presidential elections don’t cause much of a disruption in the housing market. In fact, home sales tend to stay pretty steady compared to non-election years, with one key exception: November. November tends to be slower in election years, likely because people are more focused on the political drama than on house hunting. But here’s the thing: after 9 of the last 11 elections, home sales picked up the following year. So, even if November’s slow, things usually bounce back quickly.

What About Home Prices?

If you’re worried that prices will drop or spike due to the election, you can relax a bit. The market usually follows whatever price trend is already happening, regardless of politics. In fact, home prices went up after 7 of the last 8 elections, with 2009 being the exception, and that had more to do with the Great Recession than the election itself. So, if prices are rising now, they’ll probably keep rising whether or not you wait.

Will Interest Rates Change Before the Election?

Here’s some good news: interest rates tend to ease leading up to elections. In 8 of the last 11 presidential election years, mortgage rates actually dropped between July and November. And the forecast for 2024? Many experts are predicting that rates will continue to come down throughout the year. So, if you’ve been waiting for better rates, this could be your chance to lock in a lower one before the election.

What’s the Bottom Line?

At the end of the day, whether you should buy a home now or wait until after the election comes down to your personal situation. Are you financially ready? Have you found a place you love? If so, don’t let the election hold you back. Sure, the market might slow down a bit in November, but the overall impact of an election on housing tends to be small and short-term.

So, keep an eye on interest rates and local market trends, but don’t stress too much about the election. If the right house comes along and you’re ready to make a move, there’s no reason to wait! Schedule your strategy call today.

How to Snag a Deal on a Home in Palm Harbor


Ever wonder why some people seem to score incredible deals on homes while others miss out? It’s not just luck—knowing where and how to look can make all the difference.

Here are three insider tips to help you land a great deal on your next home.

1. Target Homes with High Days on Market

You’ve probably seen those homes that have been sitting on the market for what feels like forever. Maybe they’re slightly overpriced, or perhaps the listing photos don’t do them justice. These properties often get overlooked, but with a little patience and a discerning eye, you might uncover a hidden gem. The longer a house stays on the market, the more likely the seller is to be open to negotiations, which could translate into significant savings for you.

2. Look for Homes That Have Fallen Out of Contract

When a sale falls through, it can be a golden opportunity for a savvy buyer. Homes that have recently come back on the market are often owned by sellers who are eager to finalize a deal. This eagerness can give you the upper hand in negotiations, allowing you to potentially secure the property at a favorable price.

3. Consider Quick Move-in-Ready New Construction Homes

Builders are motivated to sell homes quickly—they’re in the business of building and selling, not holding onto inventory. If you come across a new construction home that’s move-in ready, the builder may be more inclined to offer a discount or other incentives to close the sale. This can be a great opportunity to get a brand-new home at a price that might surprise you.

Final Thoughts

Keep these tips in mind as you navigate the housing market. Sometimes, the best deals are just a little off the beaten path. I’m here to help you make the most of your next home purchase! Schedule your strategy call today.

One Thing They Don’t Tell You About Selling Your Home…

Moving from a place you’ve called home for years is a deeply emotional experience. Anyone who has ever packed up their belongings and said goodbye to their longtime residence knows that it’s not just a physical move—it’s an emotional one. The memories etched into every corner of the house, from the quiet everyday moments to the milestone celebrations, make it incredibly bittersweet to leave.

Selling your home isn’t just a transaction; it’s a significant life event. It’s a process that brings a mix of excitement for the new chapter ahead and a sense of loss for the chapter closing behind you. In the midst of this, having a seller’s agent who understands the emotional weight of this transition can make all the difference.

While an agent’s primary role involves providing expert counsel, pricing the property appropriately, marketing it thoroughly, and negotiating favorable terms, their most crucial responsibility is to act as an empathetic advisor. A great seller’s agent supports their clients through the highs and lows of selling their home, ensuring the process is as smooth and comforting as possible.

When choosing a seller’s agent, look for these key qualities:

Active Listener: The best agents listen closely to your wishes, concerns, and hesitations. They understand that every seller has unique needs and will tailor their approach to meet those needs.

Strong Communicator: A good agent keeps you informed at every stage of the selling process. They provide clear, concise information and resources, ensuring you never feel lost or overwhelmed.

Emotional Intelligence: Selling a home is more than just a business deal. It’s a personal experience. An emotionally intelligent agent recognizes this and avoids pushing or pressuring you into decisions. Instead, they offer support and understanding, allowing you to move at a pace that feels right for you.

Solutions-Oriented: Real estate transactions rarely go off without a hitch. Whether it’s a last-minute inspection issue or an unexpected market shift, a solutions-oriented agent maintains a positive, can-do attitude, focusing on finding solutions rather than dwelling on problems.

Selling your longtime home is a journey filled with mixed emotions. But with the right agent by your side—one who is not only skilled but also compassionate—you can navigate this transition with confidence and peace of mind, knowing that you’re in good hands.

Getting your home sold is a huge deal and I’m here to help you get the job done! Schedule your strategy call today.

Get Cozy in Your New Palm Harbor Home by Fall

Are you hoping to cozy up in a new home by the time the leaves start changing color? 

The process of buying a house takes a little bit of time, so if your goal is to move this fall, the time to begin your journey is now!

Here’s a snapshot of what to expect from the home-buying process:

Step 1: Pre-Approval | 1-2 Days

Before embarking on your home search, getting pre-approved for a mortgage is a crucial first step. This process typically takes between 1-2 days, assuming no credit repairs or additional income verifications are required. Pre-approval not only solidifies your budget but also makes you a more attractive buyer when you’re ready to make an offer.

Step 2: Home Search | 3-4 Weeks

Every home search is unique, and the timeline can vary based on market conditions and your specific needs. However, most of my buyers  find their dream home within a few weeks. This step also includes exploring different neighborhoods, attending open houses, and refining your list of must-haves.

Step 3: Closing The Deal | 1 Month

Once your offer is accepted, the final steps include home inspection, appraisal, finalizing your loan, and closing. This part of the process usually takes around 30 days. Then, the keys are yours!

Keep in mind that this is a general guideline, and the timeline might shift based on your situation.

My role is to guide you through each step, ensuring your home-buying journey is as smooth and stress-free as possible.

Schedule your strategy call today.

Home Buyer | Port Richey, FL


Absolutely thrilled to receive such heartwarming feedback from a wonderful first-time homebuyer! 

Helping you find your dream home and making the process as smooth as possible is what I strive for every day. I’m always so grateful to my clients for trusting me with such an important milestone.

If you’re ready to find your dream home, let’s make it happen together.

Is Your Agent Marketing Your Home Beyond the MLS in Palm Harbor?

While many agents list your property on the MLS and hope for the best, we believe in going several steps further!

The MLS is just the starting point.

Here’s how we make sure your listing doesn’t get lost in the crowd.

•Targeted Social Media Campaigns

•Professional Staging & Photography

•Virtual Tours & 3D Floor Plans

•Networking with Buyer’s Agents

•Open Houses & Private Showings

•Email Marketing

Have other questions about selling or want personalized guidance?

Schedule your strategy call today.

Should You Lease or Sell in Palm Harbor? Consider This…

Deciding whether to lease or sell your home can be a complex process. I recently went through this very dilemma, and for those of you facing a similar crossroads, I’d like to share the key factors we considered in the decision-making process.

Benefits of Leasing

  1. New Income Stream: Leasing your home can provide a steady source of income, which is especially beneficial if the rent covers your mortgage payments.
  2. Your Home as an Asset: By leasing, your home transitions from being a liability to an asset, potentially allowing you to take out a second mortgage.
  3. Flexibility with Timing: If your home needs renovations or repairs before selling, leasing can buy you the necessary time. However, managing renovations with tenants can be challenging.
  4. Tax Advantages: Landlords often enjoy tax deductions for repairs, travel, insurance, and interest.

Drawbacks of Leasing

  1. Added Responsibilities: As a landlord, you are responsible for maintenance and tenant management.
  2. Increased Liability: You must ensure the property meets all current codes and regulations.
  3. Financial Risks: Vacancies mean you have to cover all the bills, and missed tenant payments directly affect your finances.
  4. Maintenance Calls: “Hello, our dishwasher stopped working…we need this fixed right away!” As the owner, you are responsible for addressing any issues that arise promptly.

Considering Selling?

When the market is strong, selling might be the better option, especially if you can secure a price above market value. Selling is also a smart move if you need immediate funds for another home or investment.

Making the Right Choice

Ultimately, the decision to lease or sell your home depends on current market conditions and your personal goals. I’m help you make the best choice for your situation. Schedule your strategy call today.

How Do You Know If a Home Is Overpriced in Palm Harbor?

Let me show you how I spot inflated home prices for my buyers so that you can feel great about the house you’re getting and the price you’re paying. 

Start with a Comparative Market Analysis. 

A CMA is THE best way to determine a home’s fair market value. Put together by a knowledgeable agent, it’ll compare recent sales of similar properties nearby to paint a picture of what homes are currently selling for. Keyword here? Currently.

Check the time on the market.

A property that’s been sitting on the market for a while may indicate an inflated price. Well-priced ones attract interest — and sell — quickly. (FYI: the Median Time to Contract for June 2024 was 22 days, up 57%) 

Appraisal vs. listing price. 

You’ll be well into the buying process before the appraisal comes back, but it’s critical in confirming a property’s value. If the appraisal comes in lower than the listed price, it’s a serious red flag.

It’s what’s on the inside that counts.

Does the home boast a shiny, new kitchen, or is it stuck in the 90s? Interior and exterior upgrades can add or subtract from a home’s value. If things don’t add up, it’s time to ask some questions. 

There’s no crying in pricing (or, at least, there shouldn’t be). 

Sometimes, sellers get attached to their homes, leading to “emotional pricing” – pricing based on data AND sentimental value. Have compassion, but negotiate with your CMA in hand to avoid paying more than you should.

An experienced agent is your best defense against spending more than you should.


Have a home that’s making you wonder “Is it worth it?”

Schedule your strategy call today.

Bad Time to Buy in Palm Harbor? Here’s My Take…

Here’s the Truth: This Might Not Be the Ideal Time for You to Buy a Home…

Market Conditions

  • Prices Are Still Up: Despite some market fluctuations, home prices remain high. This can make it challenging for buyers to find affordable options.
  • High Interest Rates: Mortgage rates have remained elevated, making it more expensive to borrow money for a home purchase.
  • Housing Inventory: While the housing inventory is gradually increasing, it’s still not enough to meet the current demand.

Feeling the Pressure?

You might be feeling the pressure to dive into homeownership due to these conditions. However, it’s important to remember that buying a home is a significant investment and shouldn’t be rushed. Instead, consider taking a more strategic approach by creating a plan with the help of a professional.

Planning with a Professional

If you’re curious about where you stand financially or what your options and timeline look like, I can connect you with understanding, pressure-free lenders. They can help you assess your financial situation and explore your options without any obligation.

We’re Here to Help

Our goal is to help you understand your options and make an informed plan. Whether you’re ready to buy now or want to prepare for the future, we’re here to guide you through the process. Schedule your strategy call today.

Palm Harbor Housing Market Myths

Are any of these housing market myths holding you back?

Myth 1: Owners have low rates and will never sell. 

Reality: While it’s true that many homeowners locked in low rates several years ago, life happens, and people will always need to sell their homes. 

Families grow. Empty nesters downsize. People relocate, retire, etc. And many of them have homes to sell.

Myth 2: As rates rise, prices will plummet.

Reality: While we’ve all wished for interest rates to soften home prices, there’s another challenge driving up home prices — limited inventory. Although, many markets are seeing increased inventory in 2024.

Myth 3: The housing market will crash like in 2008.

Reality: The 2008 crash was fueled by faulty mortgages and buyers taking on more than they could afford. @loganmoto does a fantastic job taking on the #HousingBubbleBoys on this one.

Housing myths come and go, but real estate wins in the long run. If you’re ready to explore the market, I’m here to help. Schedule your strategy call today.