Tag Archives: #makeyourmovewithmari

The High Cost of Waiting

You’ve been thinking about buying a home, but the current economic situation has you skittish. As predicted, Interest rates have inched up. But, they’re nowhere near what you’re currently paying on your credit cards.

Well-meaning relatives, who “know a little something about real estate,” and not so sincere talking heads on your favorite cable news channel are saying you should wait because sales prices are going to drop.

Level off?

Possibly.

Drop?

No.

So, here’s what waiting is costing you.

If you already owned a home, your net worth likely got a big boost thanks to rising home equity. Equity is the current value of your home minus what you owe on the loan. And today, based on recent home price appreciation, you would be building equity far faster than you would have expected. Here’s why.

Because there’s an ongoing imbalance between the number of homes available for sale and the number of buyers looking to make a purchase, home prices are on the rise. That means a home is worth more in today’s market because it’s in high demand. As Patrick Dodd, President and CEO of CoreLogicexplains: “Price growth is the key ingredient for the creation of home equity wealth…This has led to the largest one year gain in average home equity wealth for owners…”

Basically, because home values have climbed so much, equity has increased too. According to the latest Homeowner Equity Insights from CoreLogicthe average homeowner’s equity has grown by $64,000 over the last 12 months.

While that’s the nationwide number, the map below shows that average equity for Massachusetts homeowners has increased $62,000.

The Average Homeowner Gained $64K in Equity over the Past Year | MyKCM

The Opportunity Your Rising Home Equity Provides

Thinking about marketing your home and upsizing, downsizing or moving to that someday neighborhood? Your equity can help you purchase your next home. When you sell your current house, the equity you built up comes back to you in the sale. In a market where homeowners are gaining so much equity, it may be just what you need to cover a large portion – if not all – of the down payment on your next home.

So, if you’ve been holding off on selling or you’re worried about being priced out of your next home because of today’s ongoing home price appreciation, your equity can help fuel your move.

That’s what we just did. We took advantage of the equity in our home to downsize and purchase something smaller in an area that we’ve been looking at for years. We had no home sale contingency when we made our offer. We then sold our house and received $45,000 over asking price! You can do it, too!

Curious about your options? We’re happy to answer your questions. Let’s connect at 508-360-5664 or msennott@todayrealestate.com. We’ll share with you current market statistics, as well as our experiences as both buyers and sellers. Let’s talk soon.

Enjoy your week. It looks like summer is finally here!

Best regards,

Mari and Hank

Is the Boom Over?

If you’re following the news, all of the headlines about conditions in the current housing market may be leaving you with more questions than answers. Is the boom over? Is the market crashing or correcting? Here’s what you need to know.

The housing market is moderating compared to the last two years, but what everyone needs to remember is that the past two years were record-breaking in nearly every way. Record-low mortgage rates and millennials reaching peak homebuying years led to an influx of buyer demand. At the same time, there weren’t enough homes available to purchase thanks to many years of underbuilding and sellers who held off on listing their homes due to the health crisis.

This combination led to record-high demand and record-low supply, and that just wasn’t going to be sustainable for the long term. The latest data shows early signs of a shift back to the market pace seen in the years leading up to the pandemic – not a crash nor a correction.

Home Showings Then and Now

The ShowingTime Showing Index tracks the traffic of home showings according to agents and brokers. It’s a good indication of buyer demand. Here’s a look at that data going back to 2019 (see graph below):

Is the Housing Market Correcting? | MyKCM

The 2019 numbers give a good baseline of pre-pandemic demand (shown in gray). As the graph indicates, home showings skyrocketed during the pandemic (shown in blue). And while current buyer demand has begun to moderate slightly based on the latest data (shown in green), showings are still above 2019 levels.

And since 2019 was such a strong year for the housing market, this helps show that the market isn’t crashing – it’s just at a turning point that’s moving back toward more pre-pandemic levels.

Based on our own experience and that of our colleagues we can say that not every Open House has lines of potential buyers stretching down the driveway, as was the case not that long ago. Appropriately priced homes still attract a crowd, but buyers have become a bit more discerning. Houses whose asking price aren’t realistic because of condition or location are getting less attention when they might have a year ago.

What we are seeing — and again, this is anecdotally — are some homes becoming available to see if they will sell at some crazy price, because buyers are thought to still be “desperate.” But, there’s not much interest.

Existing Home Sales Then and Now

The headlines are also talking about how existing home sales are declining, but perspective matters here, as well. Let’s look at existing home sales going all the way back to 2019 using data from the National Association of Realtors (NAR) (see graph below):

Is the Housing Market Correcting? | MyKCM

Again, a similar story emerges. The pandemic numbers (shown in blue) beat the more typical year of 2019 home sales (shown in gray). And according to the latest projections for 2022 (shown in green), the market is on pace to close this year with more home sales than 2019 as well.

It’s important to compare today not to the abnormal pandemic years, but to the most recent normal year to show the current housing market is still strong. First American sums it up like this: “…today’s housing market looks a lot like the 2019 housing market, which was the strongest housing market in a decade at the time…”

Housing sales statistics for May have just been released by the Cape Cod and the Islands Board of Realtors and show that YTD the median sales price for a single family home is $690,000.00. (The YTD number one year ago was $607,000.00) New listings YTD are 1,613 compared to 1,836 in 2021.

New listings in May numbered 468. Last May there were 511. Months of housing supply in May is 1.4. In January it was 0.7 meaning more homes are coming on the market. This trend is expected to continue, but we have a long way to go to reach the more than five months supply we had pre-pandemic when good houses were available for sale for more than 100 days.

If recent headlines are concerning you and you’re thinking about buying, selling or both, look at a more typical year for perspective. The current market is not a crash or correction. It’s just a turning point toward more typical, pre-pandemic levels.

We’re happy to answer your questions. Let’s connect at 508-360-5664 or msennott@todayrealestate.com. It’s important that you have the correct information before making a decision.

…and remember, we just sold our house of 28 years and moved to a smaller property. So, we get it.

Have a great week…

Mari and Hank

Your Best Options as a First-Time Homebuyer

If you’re looking to buy your first home, you’re likely balancing several factors. Because both mortgage rates and home prices have risen this year, it costs more to buy a house than it did even just a few months ago. But that doesn’t mean you have to put your plans on hold.

Here are two tips to help you get started.

Prioritize Your Wish List

If you’re having trouble finding a home in your budget that checks all the boxes, it may be worth taking another look at your list of what you want and what you really need. 

According to the latest First-Time Homebuyer Metro Affordability Report from NerdWallet, your wish list can have as much impact on your search as your finances: “Your budget isn’t all that you need to be concerned about. Your wish list and desired location may carry just as much weight.”

It’s all about prioritization. If you’re serious about purchasing your first home soon, be flexible in what you’re looking for to open up your pool of options. Work with a local professional — not your Uncle’s cousin’s son from 50 miles away. Most properties come and go quickly. Local realtors have the best access to information about when homes become available. We also know what the current successful strategies are to have an offer an accepted.

Remember, making a concession on your wish list now doesn’t mean you’ll never have everything you want. After you’ve moved in, you can always add certain features to make the home your own. Countertops can be changed. Cabinets added. Basements finished. In many cases, there’s really no rush.

Increase Your Search Radius To Consider More Locations

Some areas may have more homes within your target price range than others, but it may require you to be flexible on your location.

For example, if you’re a remote worker, you may be able to expand your search radius. As Fannie Mae explains: “…continued remote work flexibility is likely giving many the ability to live farther away.”

The median selling price in the Boston area for a single family home in April was $845,000. On Cape, it was $675,000.

So, if you’ve vacationed on Cape for years and always wanted to live here full time, now could be your chance. Buying on Cape is less expensive and there’s a big difference between driving to Boston twice a week, as opposed to daily.

The Cape also offers more open space and lifestyle options.

If you’re serious about purchasing your first home this year, revisiting your wish list and desired location can help. Let’s connect at 508-360-5664 or msennott@todayrealestate.com to explore all the options here on Cape – and beyond, if you’re interested – so you can achieve your homeownership dreams.


The move to our new home was very successful. (Getting our new furniture delivered is another story!) We chronicled the day for you on our YouTube series Mari Makes the Move. You can see it here.

Selling and buying was a new experience for us as we lived in our previous home for 28 years. We learned a lot that we’ll be sharing with you in the weeks ahead.

Have a great week…

Mari and Hank


What Does the Rest of 2022 Hold for the Housing Market?

If you’re thinking of buying or selling a house, you’re at an exciting decision point where timing can be crucial. So, what does the rest of the year hold for the housing market? Here’s what experts have to say.

The Number of Homes Available for Sale Is Likely To Grow

There are early signs housing inventory is starting to grow and experts say that should continue in the months ahead. According to Danielle Hale, Chief Economist at realtor.com: “The gap between this year’s homes for sale and last year’s is one-fifth the size that it was at the beginning of the year. The catch up is likely to continue…This growth will mean more options for shoppers than they’ve had in a while, even though inventory continues to lag pre-pandemic normal.”

  • As a buyer, having more options is welcome news. Just remember, housing supply is still low, so be ready to act fast and put in your best offer up front.
  • As a seller, your house may soon face more competition when other sellers list their homes. But the good news is, if you’re also buying your next home, having more options to choose from should make that move-up process easier.

Here on Cape, there has been a very modest, but steady increase in new listings this year. In January, there were 209. In April, there were 375. For some perspective, there were 629 new listings in April 2019 and we had 5.8 months of housing inventory.

Commenting on social media last week, Ryan Castle, Chief Executive Officer of the Cape and Island Association of Realtors, reported that “162 of 223 properties that became available over the last two weeks are still for sale.”

Cumulative days on the market before sale (YTD) is 36 seeming to indicate that not every property is selling in a day. Just a few years ago, days on market for well-maintained and appropriately priced homes could number in the months.

Mortgage Rates Will Likely Continue To Respond to Inflationary Pressures

Experts also agree inflation should continue to drive up mortgage rates, albeit more moderately. Odeta Kushi, Deputy Chief Economist at First Americansays: “…ongoing inflationary pressure remains likely to push mortgage rates even high in the months to come.”

  • As a buyer, work with reputable lenders, so you can learn how rising the mortgage rate environment impacts your purchasing power. It may make sense to buy now before it costs more to do so, if you’re ready.
  • As a seller, rising mortgage rates are motivating some homeowners to make a move up sooner rather than later. If you’re planning to buy your next home, talk to us and we can give you some advice on timing your move based on our own experience.

Home Prices Are Projected To Continue To Increase

Home prices are forecast to keep appreciating because there are still fewer homes for sale than there are buyers in the market. That said, experts agree the pace of that appreciation should moderate – but home prices won’t fall. Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), says: “Given the extremely low inventory, we’re unlikely to see prices decline, but appreciation should slow in the coming months.”

  • As a buyer, continued home price appreciation means it’ll cost you more to buy the longer you wait. But it also gives you peace of mind that, once you do buy a home, it will likely grow in value. That makes it historically a good investment and a strong hedge against inflation.
  • As a seller, price appreciation is great news for the value of your home. Again, you can take advantage of our experience to find the best way to strike the right balance for both selling your house and buying your next one. (We just did that!)

On Cape, the median sales price for a single family home (TYD) is up 12.5% to $675,000.00. In April 2019, it was $420,000.00.

But, the percentage of original list price received (YTD) is 101.1% suggesting that the days of head scratching offers may be fading. (Although there will always be exceptions.) In 2019, percentage of list was 92.9%. Back then asking price was the best you could hope for, not the starting point as it often is today.

Thinking about making your move? We’d be happy to answer your questions. Let’s connect at 508-360-5664 or msennott@todayrealestate.com. It’s important that you have the most accurate information to make the best decision for you.


…and speaking of making your move, today (Monday) is moving day for us. We closed on our new condo this past Wednesday and have used the last several days to finish packing up our house where we have lived for the last 28 years and bringing in painters, etc. to our new place. We close on our “old” home this coming Wednesday,

We’ve been chronicling what we’ve been doing in a series called “Mari Makes the Move” that you can find on our YouTube channel Mari Sennott Plus and on many of our social media platforms.

We’ll let you know next week how it all went…

Mari and Hank

Mortgage Rates Pushing Buyers Off the Fence

If you’re thinking about buying a home, you’re no doubt aware that mortgage rates are rising and you’re probably wondering what that means for you. Since mortgage rates have increased over two percentage points this year, it’s natural to think about how this will impact your homeownership plans.

Buyers are reacting in one of two ways: they’re either making the decision to buy now before rates climb higher or they’re waiting it out in hopes rates will fall. Here’s some context that can help you understand why so many buyers are making their move and taking action instead of waiting.

How the Current Mortgage Rate Compares to Historical Data

One factor that could help you make your decision to buy now is how today’s mortgage rates compare to historical data. While higher than the average 30-year fixed rate in recent years, the latest rates are still comparatively low when you look at the bigger picture of where rates have been since 1971 (see graph below):

Why Rising Mortgage Rates Push Buyers off the Fence | MyKCM

If you’re deciding whether to buy now or wait, this is important context to have. Today’s mortgage rate still gives you a window of opportunity to lock in a number that’s significantly lower than decades past.

Not every lender is offering the same rate right now. The differences can be 1% or more. So, be sure to compare. We work with several reputable lenders and are happy to pass along their contact information.

We remember when interest rates were at their highest. We had a rate of 14%! But people still bought homes, because they understood that real estate has always been the safest investment and that waiting was, well, just waiting.

A Look Ahead: What Happens if Rates Climb Further

The buyers who are springing into action now are motivated to make their move because they know rates have risen steadily this year, and they’re eager to get ahead of any further increases.

Why? When mortgage rates climb, they impact the monthly mortgage payment you’ll have on the home you’re buying. Basically, it’ll likely cost you more to buy if you wait.

Experts say mortgage rates will rise (although more moderately) in the months ahead. Odeta Kushi, Deputy Chief Economist at First Americanexplains: “…ongoing inflationary pressure remains likely to push mortgage rates even higher in the months to come.”

So, if you’re ready and financially able to buy now, it may make more sense to get off the fence and make your purchase sooner rather than later.

That’s what we’ve done. We’ve sold our home where we’ve lived for the past 28 years and are purchasing a ranch style condo. We have an mortgage interest rate that would have been laughed off as fantasy when we were younger.

At the end of the day, there is no perfect advice on when to buy a home. What you should do depends on your goals, your finances, and your personal situation.

Please use this information to make an informed decision about what’s best for you. And let’s connect at 508-360-5664 or msennott@todayrealestate.com. We’re be happy to answer your questions.

Happy Memorial Day. Never forget…

Mari and Hank

What Every Homeowner Needs To Know About a Recession

A recession does not equal a housing crisis. That’s the one thing that every homeowner today needs to know. Everywhere you look, experts are warning we could be heading toward a recession. If true, an economic slowdown doesn’t mean homes will lose value.

The National Bureau of Economic Research (NBER) defines a recession this way: “A recession is a significant decline in economic activity spread across the economy. A recession begins when the economy reaches a peak of economic activity and ends when the economy reaches its trough. Between trough and peak, the economy is in expansion.”

To illustrate that home prices don’t fall every time there’s a recession, let’s take a look at the historical data. There have been six recessions in this country over the past four decades.

As the graph below shows, looking at the recessions going all the way back to the 1980s, home prices appreciated four times and depreciated only two times. So, historically, there’s proof that when the economy slows down, it doesn’t mean home values will fall or depreciate.

The One Thing Every Homeowner Needs To Know About a Recession | MyKCM

The first occasion on the graph when home values depreciated was in the early 1990s when home prices dropped by less than 2%. It happened again during the housing crisis in 2008 when home values declined by almost 20%.

Most people vividly remember the housing crisis in 2008 and think if we were to fall into a recession that we’ll repeat what happened then. But this housing market isn’t a bubble that’s about to burst. The fundamentals are very different today than they were in 2008. So, we shouldn’t assume we’re heading down the same path.

The housing crisis in 2008 was caused by too many homeowners being over-leveraged and having little or no equity in their properties. They found themselves “under-water” when their balloon mortgage payments exploded. That’s simply not the case today. According to ATTOM Data Services 41.9% of all mortgaged homes have at least 50% equity.

As long as inventory remains tight and demand strong, prices will continue to be high. They may level off, but are not expected to decrease in any significant way.

For buyers your bottom line is this: you’re paying somebody’s mortgage. It can either be yours or your landlords.

For potential sellers don’t wring your hands and ask “But, where can we go?” Ask yourself what we’ve always asked ourselves when we decided to make a move: “Where do I want to go?”

That’s what we did and we’re closing on the sale of our home and buying a new one within the next few weeks.

Curious about your options? We’d be happy to answer your questions. Let’s connect at 508-360-5664 or msennott@todayrealestate.com.

It’s important you have the correct information to make the best decisions.

Mari and Hank

Your House Could Be Closer to List-Ready Than You Think

When we decided earlier this year to sell our home and downsize, we faced the immediate decision about how much work needed to be done to get the place market ready.

While no one would accuse us of being “house people,” we’ve taken pretty good care of our home over the years. Mari re-designed the kitchen three years ago. Last year, when our service technician told us that he wasn’t going to waste our money or his time and declined to do annual maintenance, we replaced our furnace and water heater. The roof has been an on-going project for us. The oldest sections are 10 years old.

Those are probably the three big items on a buyer’s check list, so that left smaller projects to complete. As a result, we had our home ready to sell in about a month, typical of most recent sellers.

According to a survey from realtor.com: “With many homeowners expecting a quick sale, and in many cases a lack of contingencies, the preparation process took less than a month for over 50% of home sellers…with 20% completing it in less than two weeks.”

Of course, each situation is different, and knowing what repairs or updates your house needs to stand out is critical.

In today’s market an older furnace or roof is not necessarily a draw back. But, if a home inspection discovers a tag on your furnace from your service technician that says “needs to be replaced,” you can probably expect your potential buyer to ask for money off the final purchase price.

Your House Could Be Closer to List-Ready Than You Think | MyKCM

To see some of what we did, please check out this episode from our series “Mari Makes the Move” on our YouTube channel. (Our home quickly went under contract after two busy Open Houses.)

Curious about your options, but maybe a little worried about the time it’ll take to get your home ready? Let’s connect to 508-360-5664 or msennott@todayrealestate.com. We’re more than happy to answer your questions.

Remember: we’re selling and buying, too.

Have a great week!

Mari and Hank

How Homeownership Can Help Shield You from Inflation

If you follow the news, you know about inflation. You’re also likely feeling its impact in day-to-day life as prices go up for gas, groceries, and more. These rising consumer costs can put a pinch on your wallet and make you re-evaluate any big purchases you have planned to be sure that they’re still worthwhile.

If you’ve been thinking about purchasing a home this year, you’re probably wondering if you should continue down that path or if it makes sense to wait. While the answer depends on your situation, here’s how homeownership can help you combat the rising costs that come with inflation.

Homeownership Offers Stability and Security

Investopedia explains that during a period of high inflation, prices rise across the board. That’s true for things like food, entertainment, and other goods and services, even housing. Both rental prices and home prices are on the rise. So, as a buyer, how can you protect yourself from increasing costs? The answer lies in homeownership.

Buying a home allows you to stabilize what’s typically your biggest monthly expense: your housing cost. If you get a fixed-rate mortgage on your home, you lock in your monthly payment for the duration of your loan, often 15 to 30 years.

James Royal, Senior Wealth Management Reporter at Bankrate, says that a fixed rate mortgage allows you to maintain what is probably your largest monthly expense at the same level. While property taxes will rise and other expenses related to your home will creep up, your monthly housing payment will remain the same.

In other words, no calls from the landlord telling you that your rent is going up – again.

Use Home Price Appreciation to Your Benefit

While it’s true rising mortgage rates and home prices mean buying a house today costs more than it did a year ago, you still have an opportunity to set yourself up for a long-term win. Buying now lets you lock in at today’s rates and prices before both climb higher.

In inflationary times, it’s especially important to invest your money in an asset that traditionally holds or grows in value. The graph below shows how home price appreciation outperformed inflation in most decades going all the way back to the seventies – making homeownership a historically strong hedge against inflation (see graph below):

How Homeownership Can Help Shield You from Inflation | MyKCM

So, what does that mean for you?

Experts are saying home prices will continue to go up thanks to the ongoing imbalance in supply and demand. Once you buy a house, any home price appreciation that does occur will be good for your equity and your net worth. And since homes are typically assets that grow in value (even in inflationary times), you have peace of mind that history shows your investment is a strong one.

Curious about your options? Let’s connect at 508-360-5664 or msennott@todayrealestate.com to review a plan for you to buy and/or sell.

…and remember. We know of what we speak. We’re selling and buying now, too. Check out our series “Mari Makes the Move” on our YouTube Channel, Mari Sennott Plus.


We hope to see you this Saturday from 9am to Noon at the Today Real Estate parking lot at 299 Cotuit Road in Sandwich, where you can safely dispose of your important documents. Great White Shred will be there to shred your valuable paperwork that contain personal information.

Stephanie (Viva) in the Morning from 102.3FM will be there spinning your favorites and we’re joining with Kristi Sassone from First Home Mortgage to provide Cape Cod Coffee and donuts.

Limit of ten boxes of material to be shredded, please.

See you there!

Mari and Hank

How To Approach Rising Mortgage Rates as a Buyer

Rising interest rates was one of the topics at our company staff meeting this morning.

You’ve probably noticed that the average 30-year fixed mortgage rate from Freddie Mac has inched up to 5%. While that news may have you questioning the timing of your home search, the truth is, timing has never been more important. Even though you may be tempted to put your plans on hold in hopes that rates will fall, waiting will only cost you more. Mortgage rates are forecast to continue rising in the year ahead.

We heard stories this morning of potential buyers losing out on purchases, because rising interest rates made the property unaffordable for them. One colleague reported having three sales fall apart for the same moderately priced home because of the increase in rates.

If you’re thinking of buying a home, here are a few things to keep in mind so you can succeed even as mortgage rates rise.

How Rising Mortgage Rates Impact You

Mortgage rates play a significant role in your home search. As rates go up, they impact how much you’ll pay in your monthly mortgage payment, which directly affects how much you can comfortably afford. Here’s an example of how even a quarter-point increase can have a big impact on your monthly payment (see chart below):

How To Approach Rising Mortgage Rates as a Buyer | MyKCM

With mortgage rates on the rise, you’ve likely seen your purchasing power impacted already. Instead of delaying your plans, today’s rates should motivate you to purchase now before rates increase more. Use that motivation to energize your search and plan your next steps accordingly.

Curious about your options? Let’s connect at 508-360-5664 or msennott@todayrealestate.com so you can better understand your budget and be prepared to buy your next home before rates climb higher.

It’s important to have the correct information to make an informed decision.


In some personal news, after 28 years we’ve decided to sell our two story Cape and downsize for many of the reasons we have written about in this blog. The house is too big; we don’t use every room. Stairs are starting to become a bit of an issue. We’re depending on landscapers, plumbers, painters and others to tend to basic maintenance.

Because we have been neither buyers or sellers in quite some time, we’ve started a series of videos called “Mari Makes the Move” on our YouTube channel to share our experiences and hopefully offer you some helpful tips. Please subscribe to the channel to follow our journey. Thanks…

Mari and Hank

How Buyers and Sellers Can Use Tax Refunds

Getting a tax refund for 2021? As a potential buyer or seller the money you receive can help you achieve your goals.

SmartAsset estimates the average American will receive a $2,897 tax refund this year. In Massachusetts that number is about the same at $2,834.00.

So, if you are getting a refund this year, here are a few tips to help with your home purchase or sale.

How Buyers Can Use Their Tax Refund

According to American Financing, there are multiple ways your refund check can help you as a homebuyer. A few include:

Growing your down payment fund – If you haven’t started saving for your down payment, let your tax refund kick off the process. And if you have a fund already, the money you get could put you closer to your goal.

Paying for your home inspection – Your home inspection can save you a lot of headaches down the road by helping determine the condition of the house. As a buyer, you’re responsible for paying for your inspection, and it’s definitely worth the investment.

Saving for closing costs – Closing costs are additional expenses you’ll need to pay once it’s time to close. They average  between 2-5% of the purchase price of your home.

This list is a great start, but it isn’t exhaustive of all the costs you may encounter as you set out on your homebuying journey. The best way to prepare is to be sure you understand what’s to come in the process.

How Sellers Can Use Their Tax Refund

If you own a home and are planning to sell this spring, your tax refund can help you make sure your home is ready to list. Here are a few ways current homeowners can put their tax refund to good use:

Making small upgrades – NerdWallet provides a list of great ways to use your tax refund, including tackling small projects or boosting your curb appeal to help your home stand out.

Making repairs – If there’s anything in your house that needs to be fixed, American Financing notes that completing repairs is another great use of that money. But, before doing any work, please check with us. We can tell you what improvements will be worth your investment and which ones aren’t worth the money.

Buying your next home – Whether you’re selling to move up or downsize, you can use your refund to help pay for any costs for the purchase of your next home.

Funding your home purchase or sale can feel like a daunting task, but it doesn’t have to be. Your tax refund can help you reach your goals. Let’s connect at 508-360-5664 or msennott@todayrealestate to discuss how you can start your journey.

It’s important that you have the right information to make educated and informed decisions.

If your children or grandchildren are home for school vacation, we hope you enjoy the time with them!

Mari and Hank