Cristian A. Santana
(973) 370-0808

Real Estate Tips
12MAY

Locked In and Holding Out: How Low Mortgage Rates Are Freezing the Housing Market
The U.S. housing market is grappling with a persistent shortage of homes, and one major reason is the “lock-in effect.” Homeowners with ultra-low mortgage rates secured during the pandemic are reluctant to sell, even as market demand grows. This hesitance is tightening inventory, driving up prices, and reshaping the dynamics of both buying and selling real estate in 2025.
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05MAY

Buy a Home, Keep the Seller’s Rate
With interest rates nearing 7%, many homebuyers in the U.S. are exploring assumable mortgages as a strategic way to save money. By taking over a seller’s existing home loan with a lower interest rate, buyers can reduce their monthly mortgage payments significantly. This article explains how assumable mortgages work and why they’re gaining popularity in today’s housing market.
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I know everything about Real Estate. Contact Me!

Cristian A. Santana
Homenet Realty
440 Market Street, Suite 6A, Elmwood Park, NJ 07407
Email: cs.hnrealty@gmail.com
Phone: (973) 370-0808
Whether you’re looking to invest in a new property, need help selling your current one, or anything else real estate-related, I’m happy to work with you in achieving your goals. With years of experience working as a licensed Real Estate Agent, I’m a seasoned and dedicated professional ready to cater to all your real estate needs.
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