homebuyers: New Homes Now Cost Less Than Existing Homes - 09/04/26 06:42 AM
You probably think as a general rule of thumb, brand new homes costs more than existing homes. But right now, that's backwards. This shows just how much.
A newly built home costs about $40k less than an existing one right now. That's because builders are cutting prices and piling on incentives to keep their inventory moving.
And that opens up a window for you to get brand new everything for less than you may expect.
DM me if you want a list of nearby new home communities offering deals like this right now to see if a new build may be in your budget … (0 comments)

homebuyers: Who Has the Upper Hand in Today's Housing Market? - 08/13/26 06:43 AM
Ask around and almost every homebuyer out there wants to know if there’s a way to get a better deal. And just about every seller wants to know if they'll still get top dollar.
The interesting thing is... both can be right at the exact same time. It just depends on where you live.
That's because today's housing market isn't moving in one direction anymore. Some markets clearly favor buyers. Others still favor sellers. But most are sitting somewhere in the middle.
And knowing which market you're actually in can completely change the strategy you use to buy or sell (and what expectations you … (3 comments)

homebuyers: Big Investors Are Backing Off and That’s Your Opening - 08/11/26 07:09 AM
For years, a lot of would-be homebuyers have worried about the same thing. How do you compete with big investors who can swoop in, pay cash, and snap up the houses you want?
Well, worry a little less. Because right now, those big investors aren't buying up the market. They're backing out of it.
Investors Are Buying Fewer Homes Than They Have in YearsAccording to Redfin, investor home purchases just fell to their lowest level since 2020 – when the start of the pandemic temporarily caused pretty much all homebuying to pull way back. Before that, you'd have to go all the way … (4 comments)

homebuyers: Move Now or Wait? This Could Help You Decide. - 06/12/26 09:56 AM
A lot of people who want to move are telling themselves the same thing: "Maybe I'll just wait until later this year."
But before you decide, make sure you understand what you could be giving up too. Because moving this Summer does have its advantages.
For buyers, it could give you more options in your price point. Historically, there are over 30% more fresh listings in the Summer compared to the rest of the year.
For sellers, it can mean a better sales price. Data shows, on average homes sell for 4% more in the typical Summer month compared to usual month in the … (2 comments)

homebuyers: The 10 Best Markets for First-Time Buyers This Spring - 04/20/26 06:43 AM
For a while, buying your first home hasn’t just felt hard. It may have felt out of reach.
Not because you weren’t ready.
Not because you weren’t trying.
But because every time you ran the numbers, they didn’t work.
That’s why so many first-time buyers stepped back.
But after years of sitting on the outside looking in, this Spring could give buyers like you an opening again – especially in some markets.
Metros Where Buyers May Have an Easier Time Breaking into the Market Zillow just released a list of the top 50 metros for first-time buyers this Spring. And here’s a quick snapshot of the top 10 … (0 comments)

homebuyers: Thinking About an Adjustable-Rate Mortgage? Here’s What You Need To Know. - 04/08/26 07:04 AM
If you’ve been looking for a home lately, you’ve probably felt how tough affordability still is. And that's exactly why more buyers are opting for adjustable-rate mortgages, or ARMs.
Here's what you need to understand about how they work, and whether they make sense for you.
What Is an Adjustable-Rate Mortgage?Since a lot of people aren’t familiar with this type of loan, let’s start with a definition. This is how Business Insider explains the main difference between a fixed-rate mortgage and an adjustable-rate mortgage:
“With a fixed-rate mortgage, your interest rate remains the same for the entire time you have the loan. This keeps … (1 comments)

homebuyers: Institutional Investors Make Up a Small Share of Today’s Market - 04/07/26 07:10 AM
Scroll through your social feed, and you may come across something that says investors are buying all the homes right now. But housing market data tells a different story.
Only 0.4% of the 86 million single-family homes in the U.S. are owned by large investors (those with over 1,000 properties) today. That's a lot less than headlines would have you think.
So, if that’s been shaping how you see your chances of buying, it might be worth looking at things a little differently.
Want a quick breakdown of what’s really driving today’s market? DM me.
 
Contact us:
PHP Houses
142 W Lakeview Ave
Unit 1030
Lake Mary, FL 32746
Ph: (407) … (3 comments)

homebuyers: First-Time Buyer To-Do List - 03/20/26 06:20 AM
Buying your first home doesn’t come with instructions – but maybe it should.
That’s why I created a simple first-time homebuyer to-do list to help you see what matters first and how to get started without feeling overwhelmed.
Just remember, you don’t have to do everything at once. You just need a plan.
Want more information? Comment “HOME” or DM me and I’ll send it your way.
 
Contact us:
PHP Houses
142 W Lakeview Ave
Unit 1030
Lake Mary, FL 32746
Ph: (407) 641-1531
Fax: (407) 205-1951
email: info@phphouses.com
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The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. The author does not guarantee or warrant … (0 comments)

homebuyers: Why Townhomes Are Popular with Today’s First-Time Buyers - 02/09/26 08:17 AM
Buying your first home can feel frustrating when the numbers don’t line up the way you expected. You may know you’re ready but finding something that fits your life and your budget is the hard part.
That’s where townhomes come in.
Townhomes are becoming a bigger part of today’s housing supply, and that shift is opening doors for first-time buyers in a way we haven’t seen in years. That’s because they offer a more realistic path to step into homeownership without stretching yourself too thin, especially in a market where affordability can still feel tight.
There Are More Townhomes To Choose FromBuilders are building … (4 comments)

homebuyers: It’s Getting More Affordable To Buy a Home - 02/04/26 06:33 AM
There’s finally a little good news for anyone who’s been priced out or sitting on the sidelines.
Buying a home is getting more affordable.
Monthly payments have started to come down, and the squeeze buyers have been feeling for the past few years is slowly loosening. Now, that doesn’t mean everyone can suddenly afford a home, but with how tough the market’s been, the improvement we’re seeing matters.
Affordability Is Finally Moving in the Right DirectionOne of the best ways to see this shift is by looking at how much of a household’s income it takes to buy a home.
According to Zillow, housing is … (3 comments)

homebuyers: Top 2026 Housing Markets for Buyers and Sellers - 01/28/26 07:35 AM
Who doesn’t love a top 10 list? Well, here are two top 10 lists for the housing market this year. But before you take a look, there’s something you should know.
If a move is on your radar for 2026, here’s the most important thing you need to understand upfront: there isn’t one housing market this year – there are many.
Experts agree 2026 is shaping up to be one of the most geographically split housing markets in years. Some areas are tilting in favor of sellers, while others are opening real doors for buyers. Who has the advantage depends almost entirely on … (4 comments)

homebuyers: Are Big Investors Really Buying Up All the Homes? Here’s the Truth. - 01/15/26 03:46 PM
It’s hard to scroll online lately without seeing some version of this claim:
“Big investors are buying up all the homes.”And honestly, if you’re a homebuyer who’s lost out on a few offers, that idea probably sounds believable. When homes are expensive and competition is tight, it’s easy to assume giant companies are scooping everything up behind the scenes.
But here’s the thing: what people assume is happening and what the data actually shows aren’t always the same.
Let’s look at what’s really happening with large institutional investors in today’s housing market – because the numbers tell a much different story than the headlines.
The … (1 comments)

homebuyers: Why Selling Your House This Winter Gives You an Edge - 12/10/25 08:15 AM
Spring gets all the attention, but it’s not always the best time to sell a house. Yes, more buyers show up, but so do a lot of other sellers.
Winter is different. With fewer homes on the market, your house has a much better chance of standing out. And that one advantage can make a big difference.
Winter Is When Your Listing Stands OutHistory shows the number of homes for sale tends to drop during the winter months. It’s a trend that’s predictable almost every year.
Data from Realtor.com shows this pattern clearly. Inventory dips in the winter (the green circles in the graph … (3 comments)

homebuyers: Homebuyer Searches of Homes for Sale Are Up - 12/02/25 08:40 AM
Online searches for “homes for sale” are up more than 20% since last year.
Now, that doesn’t mean buyers are flooding the market. But it does mean interest is picking back up.
If you’ve been wondering whether anyone’s even looking right now, this is your sign the market isn’t frozen.
There are buyers out there doing their homework and preparing for their next move.
If you want your house in front of those people, let’s talk strategy.
 
Contact us:
PHP Houses
142 W Lakeview Ave
Unit 1030
Lake Mary, FL 32746
Ph: (407) 641-1531
Fax: (407) 205-1951
email: info@phphouses.com
Let’s Connect:
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Linkedin
Twitter
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The information contained, and the opinions expressed, in this article are not intended to be construed as … (3 comments)

homebuyers: Most Experts Are Not Worried About a Recession - 11/20/25 07:32 AM
Homebuyers are watching the economy closely, and for good reason. Buying a home is one of the biggest purchases most people ever make. And some recession talk in the media has made a lot of would-be buyers second guess their plans.
In the latest LendingTree survey, almost 2 in 3 Americans said they think a recession is coming. And 74% of respondents say that's having an impact on their financial decisions.
But here’s the good news: the experts aren’t nearly as concerned.
Most Americans Expect a Recession, But Most Experts Don’tAccording to an October report from the Wall Street Journal (WSJ), only 1 in … (5 comments)

homebuyers: The Best Affordability in 2.5 Years - 11/18/25 01:59 PM
Big news for homebuyers. Affordability has hit a 2.5-year high.
And here’s why.
Mortgage rates have been trending down and home prices are moderating.
That means the math on buying a home looks a lot better than it did the past couple of years.
If you’ve been waiting for a sign that it’s time to take another look, this is it. The affordability challenge isn’t solved, but it is better.
Let’s see what’s possible now. DM me if you want to see how this changes your buying power.
 
Contact us:
PHP Houses
142 W Lakeview Ave
Unit 1030
Lake Mary, FL 32746
Ph: (407) 641-1531
Fax: (407) 205-1951
email: info@phphouses.com
Let’s Connect:
Facebook
Linkedin
Twitter
Instagram
The information contained, and the opinions expressed, … (0 comments)

homebuyers: The $280 Shift in Affordability Every Homebuyer Should Know - 10/16/25 07:53 AM
If you paused your plans to move because of high rates or prices, it may finally be time to take a second look at your numbers. Affordability is improving in 39 of the top 50 markets, according to First American. And that’s the 5th straight month where buying a home has started to get a little bit easier.
Let’s break this down into real dollars, so you can see the difference this could make for you (and your move).
Monthly Payments Are Coming DownOne of the clearest signs of this shift is in monthly payments. The latest data from Redfin shows mortgage payments … (5 comments)

homebuyers: Top 2 Factors That Would Make Homebuyers More Comfortable - 10/03/25 02:34 PM
What would make you feel more comfortable making a move?
63% of would-be homebuyers say lower home prices.
50% say lower mortgage rates.
If that’s what you want too, here’s the update you’ve been looking for.
Experts are projecting single-digit price increases in many markets this year. Some areas will even experience slight declines. That’s a far cry from the 20% rise we saw just a few years ago.
At the same time, mortgage rates have eased from their recent highs.
While it’s not enough to completely change the game on affordability, both trends should stick around going into 2026.
If you want to talk through how … (1 comments)

homebuyers: What Buyers Say They Need Most (And How the Market’s Responding) - 10/01/25 08:27 AM
A recent survey from Bank of America asked would-be homebuyers what would help them feel better about making a move, and it’s no surprise the answers have a clear theme. They want affordability to improve, specifically prices and rates (see below):
Here’s the good news. While the broader economy may still feel uncertain, there are signs the housing market is showing some changes in both of those areas. Let’s break it down so you know what you’re working with.
Prices Are Moderating Over the past few years, home prices climbed fast, sometimes so fast it left many buyers feeling shut out. … (4 comments)

homebuyers: 3 Reasons Affordability Is Showing Signs of Improvement This Fall - 09/22/25 06:56 PM
For the past couple of years, it’s been tough for a lot of homebuyers to make the numbers work. Home prices shot up. Mortgage rates too. And a number of people hit pause because it just didn’t feel possible. Maybe you were one of them.
But there’s some encouraging news. If you’ve been waiting for a better time to jump back in, affordability may finally be showing signs of improvement this fall.
The latest data from Redfin shows the typical monthly mortgage payment has been coming down, and is now about $290 lower than it was just a few months ago (see graph … (2 comments)

 
Walter DiLoreto, Real Estate Short Sale Specialist (PHP Houses)

Walter DiLoreto

Real Estate Short Sale Specialist

Lake Mary, FL

More about me…

PHP Houses

Address: 142 W Lakeview Ave, Ste 1030, Lake Mary, FL, 32746

Office: (407) 519-0719

Fax: (407) 205-1951



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