3 Big Questions Every Buyer and Seller in Pensacola Need Answers To!

Real Estate Broker/Owner with Charles Stallions Real Estate Services

When the going gets tough and the market starts shifting, buyers, sellers, and even agents tend to have one response: to fight or to flight. Here at Charles Stallions Real Estate Services we just roll up our sleeves and continue to do what we do best SELL HOMES on your time frame with no hassles while saving you lots of money.

But the real estate market is in a constant state of shifts and changes. Some of them are bigger or more impactful than others, but the truth remains the same: from pandemics to recessions, we can never predict what’s going to happen.

You do, however, have control over how you manage the home selling process from a fast sale, to rent back we look at what you want to cause every sale is different so we tailor a solution with that.  We communicate what’s happening and why it’s happening and let you decide.

Because no matter what is going on in the world, one thing will forever remain the same: people will always need a place to call home.

So, before you hit the panic button, you need answers to the biggest questions in real estate right now.


One of the biggest factors of the housing market cooldown we’re seeing is the swift rise in mortgage rates. And as that volatility continues, many people are asking “are mortgage rates going to keep rising?” Being able to answer this question for both buyers and sellers is mission-critical right now to you and us.

But to answer this question, you must first understand the why behind the reason mortgage rates have doubled since the beginning of the year: inflation.

To ease inflation, the Federal Reserve is taking steps to try to tame inflation by slowing the economy, and those decisions are having an impact on mortgage rates. And until that’s under control, we may continue to see them stay high or rise even higher but we have a solution whether it be a buy-down of the loan or finding the best rates for our buyers through the secondary market we are here.

The thing you know right now is all the facts. Because if buyers are waiting for mortgage rates to drop…it may be a while.

However, despite the challenges rising mortgage rates bring, there is still opportunity in the market, especially as we move into the fall and winter months.

“There is no doubt that the increasing mortgage rate will make homebuying even more challenging, . . . buyers may still find opportunities, as these changes coincide with the time of the year when buyers have historically found the best market conditions to obtain more bargaining power,” said Jiayi Xiu, economist for realtor.com. 


After years of record-breaking price appreciation in the country, we’ve been seeing a very different scenario play out in the last few months.

To truly understand why this is happening, this quote from Dave Ramsey explains it all:

“The root issue of what drives house prices almost always is supply and demand.”

And when you take a look at the graph below, you’ll see why we have seen such a large slowdown in home price appreciation in the last few months.


The best way we can explain this to consumers is that we’re at an inflection point.

The swift rise in mortgage rates and lingering inflation has changed the playing field in the housing market. So, as the pace of sales slows, the more active listings there are.

But that doesn’t mean we’re going to see national depreciation in home values.

Overall, experts are projecting continued price appreciation in most markets, averaging about 1.8% in 2023. However, there are some overheated areas where experts are projecting slight depreciation, but certainly not enough to call it a crash.

The best thing we can do for you right now is to look at national data, look at your local market data, and combine it all to form what’s really going to make your property or buying power stand out for agents with buyers: a relevant market opinion.

Remember, headlines do more to terrify than clarify. So, it’s always important to make sure that you’re not only staying on top of the latest housing insights from the most trusted and credible sources but that you’re also able to understand them and get the whole story of what’s happening.


So, with all the uncertainty surrounding mortgage rates and home prices, the ultimate question comes down to this: should you buy a home right now?

Despite the volatility we’re seeing in today’s housing market, it’s important to remind our clients of the many financial and non-financial benefits of homeownership.

Yes, affordability is a challenge right now. It’s true that it costs more to buy a home today than it did last year, but the same is also true for renting. This means, either way, you’re going to be paying more. The difference is, with homeownership, you’re also gaining equity which will help grow your net worth.

One of the best ways to explain this is that homeownership truly wins over time. It’s a long game.

And so when someone’s asking, “should I buy a home right now?,” we explain to them that they can either put all of that money over time into rent and not get a return or play the long game, invest it in homeownership and benefit from their investment.

We can’t control what’s going to happen with mortgage rates or price appreciation, but we can control what we prioritize. That way, in times of uncertainty, you see these factors less as stop signs and more as opportunities for growth and change.

Remember this: the key to success in any market is staying educated, acclimating to the current climate, and making sure you’re keeping the most important thing: helping our clients buy and sell homes.

And the best way to do that this fall is to put out the right information that helps buyers and sellers make the right decisions.

That’s why we’ve assembled the most important slides so you can easily help answer the biggest questions in the market right now. Download the free today.

To learn more, reach out to Charles Stallions, a trusted real estate professional, and his team of local lenders so you’re able to make an informed decision if you’re planning to buy or sell a home right now.

Bottom Line "There Is A Realtor For That"

If you’re ready to buy or sell a home Charles Stallions with over 27 years of experience will give you expert advice on your specific situation.

Buying Or Selling while living on the Gulf Coast Sign up for our Monthly Newsletter

We are Ambassadors for all things Pensacola, Pace, or Gulf Breeze, Florida whether a first-time guest or a frequent visitor when you need to know something, an excellent place to eat, who's hiring, or just a real estate question do as the locals do call or text Charles Stallions at 850-476-4494 or email charles@charlesstallions.com It's Who We "R".

Comments (2)

Bill Salvatore - East Valley
Arizona Elite Properties - Chandler, AZ
Realtor - 602-999-0952 / em: golfArizona@cox.net

Thanks for your post, enjoyed it today.  Happy Taco Tuesday, and DONT FORGET TO VOTE TODAY. bill

Nov 08, 2022 05:29 AM
Joe Jackson
Keller Williams Capital Partners Realty - Columbus, OH
Clintonville and Central Ohio Real Estate Expert

This is an excellent post with great information. Thanks for sharing it.

Have a super fantastic week!
Joe Jackson, Realtor-KWCP

Nov 08, 2022 05:55 AM