I’m NOT Suggesting Now is a Good Time to Buy or Sell Just so I can Make a Commission

Real Estate Agent with Tim Francis Realty LLC

Jeff Dowler from Carlsbad CALIFORNIA shares a great blog.  While we do make money when transactions happen, Tim Francis Realty as Atlanta Real Estate professionals see their role as consultants and informational.  In this case, we advise folks using our experience and real estate knowledge.  

Tim Francis Realty is having our best year ever, we don't need to advise you to buy or sell and will tell you to hold off if we believe that will best suit your personal goals.  Having said that, Tim Francis Realty has seller's that had been holding off selling and leasing out their properties and decided that it was time to sell with the current market conditions.  

Others are considering buying for a variety of factors - change in family or job location.  While it is a sellers' market in Atlanta, Tim Francis Realty believes this will be the case for the next couple of years.  If you need to buy to expand for a family or a new job, it's still a good time to do that.  We believe the interest rates and home prices will rise, so waiting a year could be quite costly. 

Knowing you are working with the right Realtor is critical.  Ask questions, do your homework and you will have a much better experience.

Do you need our help?  We are happy to set up a free consultation!


Original content by Jeff Dowler, CRS CA DRE #01490977
Via Jeff Dowler ~ Carlsbad Homes for Sale ~ 760-840-1360, Jeff Dowler (Solutions Real Estate (CA DRE Lic. # 01490977)):

I’m NOT Suggesting Now is a Good Time to Buy or Sell Just so I can Make a Commission


I think it’s a really good time to buy right now, for many buyers who are qualified to do so. Yes, there are challenges depending on your local market especially if it favors sellers are our does - competing multiple offers, buyers with cash and forgoing appraisals, and decision making to offer or not that must be concluded in hours not days.


I have told a number of sellers that I truly believe now is a great time to sell, although that obviously depends on financial and personal considerations, and for some it may not be right. But with buyer demand and limited inventory, sellers are in a far more favoable position than in years.


But I’m not suggesting now is a good time to buy and sell just so I can earn a commission.


Future Price Projections fromLeading AnalystsYes it’s true, my livelihood depends on buyers buying homes and sellers selling them. I don’t make a penny working with a buyer or selling if the property doesn’t cross the closing table. I’m cool with that.


Part of my role as a real estate professional is to provide education and advice, to offer options, and to share my opinion, in response to questions from buyers and sellers, backed up with data.


There are some sound financial reasons for me, and others in our business, to share our beliefs that now, as it has been for some months, is a good time to buy or sell in many parts of the housing market. That, of course, depends on your personal and financial circumstances and objectives.


Fact. Prices are going up in many parts of the country.


Sample Price Increases in Housing PricesThe recent S & P/Case-Shiller index, as just one source, indicates significant price increases earlier this year in many major metropolitan areas, San Diego included. Granted this only tells you where prices have come from and were a couple of months ago, confirming what many consumers have noticed by watching the market.


Major analysts have revised their price increase projections for the year upwards (e.g., BOA, Capital Economics, Deutsche Bank, Freddie Mac, J.P. Morgan - see chart above). Original price increase projections, ranged from 2% to 5.5%, are now projected to be 4.5% to 8% by year end (chart courtesy of Keeping Current Matters).


It will cost you more to buy a comparable house down the road, unless the market shifts again. And while waiting may yield you a higher price on your home, if you are moving up you are going to pay proportionately more, too (5% more on your $500K home is $25,000, but that $650K move-uphome may be 5% more, too, which is $32,700 additional).  And that down-sized home will likely have become more costly in a few months that it is now.


Fact. Interest rates have risen.


They are still excellent but you will pay more now for the same mortgage than you would have several weeks ago.  And a mortgage down the road will likely cost even more if the projections of higher interest rates (e.g., Mortgage Bankers Association per Keeping Current Matters) by year end are correct. I know several buyers who no longer qualify for what they did a few weeks ago, down about $20K in terms of purchasing power, because of the jump in rates which can make a big difference in your house hunting.


Projected increased cost due to increase in housing prices and interest ratesCombine increasing prices with higher rates and what happens? You get an even more significant increased cost if you should decide to wait to purchase - see chart at left (Keeping Current Matters).


Of course waiting may be in your best interest, depending on what you want to do, your plans after selling a home, your ability to buy, and your overall financial situation.


Your best option?


Work with a knowledgeable REALTOR who can tell you what the local market conditions are and what they mean for you as a buyer and/or seller. No crystal ball, here, and no one knows for sure where things will go. But the trends are pretty strong, and if you do want to buy or sell, you had better get the scoop to understand the potential implications of waiting.


Talking with a trusted mortgage professional makes sense, too, especially if you are looking to buy now.


Want to know more about my local Carlsbad and North San Diego housing market conditions? Give me a call or shoot me an email. I have lots of up to date information to share.


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Posted by


Information and content on this blog is original to Michelle Francis  

Michelle Francis

Tim Francis Realty, Serving Buckhead, Atlanta & Sandy Springs GA

(404) 219-9760



Want to know more about Residential Buying, Selling, Executive Home Leasing & Property Management in Buckhead, Brookhaven, Garden Hills and Sandy Springs, GA?

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Comments (18)

Connie Harvey
Pilkerton Realtors - Brentwood, TN
Realtor - Nashville TN Real Estate

Michelle, we really can't talk anyone into Buying or Selling unless they are truly ready. Besides, that's not how we build long term relationships.

Jun 17, 2013 06:00 AM
Charita Cadenhead
eXp Realty - Birmingham, AL
Serving Jefferson and Shelby Counties (Alabama)

The narrows minds of some people never ceases to amaze me.

Jun 19, 2013 12:16 AM
Lanise Warrior-Johnson
Real Estate Brokers Services, Inc. - Compton, CA
Real Estate Specialist

I will have to check out Jeff's blog.  I tell my clients I'm not a pushy sales person, and it's not about one transaction.  I'm interested in doing the right thing for my clients to establish a rapport for return business too!

Jun 19, 2013 01:36 PM
Sharon Parisi
United Real Estate Dallas - Dallas, TX
Dallas Homes

Michelle, I so appreciated you sharing Jeff's post, as I missed it the first go around.  He provides excellent information and statistics.  I am thrilled that Tim Francis Realty is having a great year!

Jul 03, 2013 04:10 PM
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

Hi Michelle - putting the client's needs first, will bring far greater rewards in the long run.  Jeff's post was a good choice to re-blog.   

Jul 06, 2013 05:15 PM
Tammie White, Broker
Franklin Homes Realty LLC - Franklin, TN
Franklin TN Homes for Sale

Michelle, its important for sellers to hire a real estate agent they can trust. Tim Francis Realty is an agency they can trust to get their home sold and know that if it's better to wait, you'll advise them so.

Jul 14, 2013 01:19 AM
Michelle Gibson
Hansen Real Estate Group Inc. - Wellington, FL

Michelle - Excellent choice of re-blog, Jeff wrote a great post here.

Aug 10, 2013 11:04 AM
Regina P. Brown
MBA Broker Consultants - Carlsbad, CA
M.B.A., Broker, Instructor

Michelle, thanks for sharing Jeff Dowler's blog.  We are here to help and be a good resource for the consumers.  Congratulations for having the best year ever at Tim Francis Realty.  More power to you!

Aug 30, 2013 09:59 PM
Robert Fowler - 55CommunityGuide.com
President of Retirement Media Inc. - Braselton, GA
55+, Active Adult and Retirement Communities

Thanks for the wake up call.  People are slow to adapt to changing market conditions, so when markets do improve they may hesitate.  Also your post is a good example of how to share content while putting your own spin on it.

Sep 21, 2013 08:42 PM
Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi
NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656 - New Lenox, IL
708.921.6331 - 40+ yrs experience

Michelle:  I had missed Jeff's great post, so thank you for re-posting it.  And I agree, although I love earning a living from conducting my business ... pushing or providing poor guidance and info to clients is a pretty short-sighted marketing scheme for anyone in our industry.  It might work for a very short time ... but it will catch-up with you and kill your business down the road.


Sep 24, 2013 06:57 AM
Lloyd Binen
Certified Realty Services - Saratoga, CA
Silicon Valley Realtor since 1976; 408-373-4411

Michelle, it's nice to hear your brokerage is having their best year ever.  I think your emphasis on providing consultational assistance to home buyers and sellers helped your company achieve that record.  

Sep 24, 2013 04:12 PM
Rob Thomas
Prestige Homes of The Tri Cities, Inc. CALL....423-341-6954 - Bristol, TN
Bristol TN-VA & Tri Cities Agent, ABR, GRI, e-Pro

Michelle ...thanks for the info ....very ...very NICE!

Have a great night!

Oct 27, 2013 08:28 AM
Gabrielle Kamahele Rhind
KGC Properties LLC, Tucson Property Management & Real Estate - Tucson, AZ

GOOD MORNING MICHELLE .. it really should always come down to what the buyer or seller wants - not what an agent wants!

Dec 04, 2013 09:30 PM
Debe Maxwell, CRS
Savvy + Company (704) 491-3310 - Charlotte, NC

Michelle, Thanks for reblogging this - I totally missed it!  But, you and Jeff are right on target with this one!  

Dec 05, 2013 01:00 PM
Connie Harvey
Pilkerton Realtors - Brentwood, TN
Realtor - Nashville TN Real Estate

Michelle, I hadn't seen Jeff's post. You know that good Realtors don't tell anyone to buy or sell just to make money.

Dec 14, 2013 06:11 AM
Connie Harvey
Pilkerton Realtors - Brentwood, TN
Realtor - Nashville TN Real Estate

Hi Michelle! I just stopped by to wish you a Merry Christmas!

Dec 21, 2013 06:42 AM
Frank Iglesias
Working With Houses, LLC - Atlanta Real Estate Investments - Lawrenceville, GA
Atlanta, GA Real Estate Investor

Hi Michelle, just dropping by to say Merry Christmas, wishing you more success and a wonderful year ahead!

Dec 23, 2013 02:29 AM
Wayne Zuhl
Remax First Realty II - Cranford, NJ
The Last Name You'll Ever Need in Real Estate


Awesome re-blog with LOTS of great info.  Thank you for posting.


Jan 02, 2014 12:20 AM