Marty Kelly at Keller Williams Realty

@martykelly100 talks about ways to invest in real estate and how you can make it an affordable side hustle. The cost of everyday items is going up. To deal with these expenses, many people are taking on side jobs. In fact, nearly two in five adults have a side hustle today. And if you look at those green bars, the numbers are even higher for Gen Z and Millennials. That may be because they’re also dealing with how to repay their student loan debt. So, if you’re looking to make some extra cash, why not consider buying real estate as an investment? While affordability is tight in the housing market right now, there are still options if you’re ready and able to buy. For example, you could buy a home and rent it out as a residence or a vacation spot to generate more income. Another option is house flipping. That’s where you buy a home that needs work, fix it up, and then sell it for a profit. If you’re interested, I can help you find homes that need some elbow grease in up-and-coming neighborhoods. If you’re interested in investing in real estate as a side hustle, let’s connect. Call or text me today and let's discuss your Real Estate plans. And Remember… It really does matter who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE TO BE YOUR REALTOR.

@martykelly100 gives reasons why you should sell your house before the holidays. Are you trying to decide if you want to make your move this year, or if you should wait until January? Every year I help sellers make this call. Based on my experience, here are three reasons you still want to consider selling before the holidays. First, getting a jumpstart on selling can put you one step ahead of other sellers. Many people tend to hold off listing their homes until after the holidays, but you can stand out by starting the process now. Second, get in front of eager buyers. There aren’t enough homes on the market. So, the people who are looking to move need more options. By listing your house now, you'll catch the attention of those motivated buyers. Finally, you can use your equity to fuel your move. Homeowners are sitting on record amounts of equity. You may have enough to cover at least part of your down payment on your dream home. So, if you're thinking about moving, don’t put off your plans until the new year. There are perks that come with getting it done now. Maybe you can even kick off the new year in your next home. Call or text me today and let's discuss your Real Estate needs. And Remember.... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE TO BE YOUR REALTOR.

@martykelly100 talks about low housing inventory and how sellers should be trying to sell when inventory is low. If you’re trying to decide if you want to sell your house, there’s something really important to understand. Even today, there are still more buyers looking to buy than there are homes available. That may be hard to believe, but it’s because the supply of homes for sale is low right now. Really low. Take a look at this. This graph shows the active listing counts, or homes available for sale, each September. If you look at the three blue bars, you’ll see how much inventory we’d have in a normal year for the market. But if you look at the red bar that shows you this September, you’ll see we’re nowhere near that today. And when inventory is this low, your house is going to be in the spotlight. Buyers need more options, and your house may be just what they’re looking for. And, when it’s the center of attention like that, it could sell fast and get multiple offers. So, if you want to sell right now, know that the market is basically begging for your house. Let’s work together to get it listed at the right price so it can get snapped up by eager buyers. Call or text me today and let's discuss your Real Estate plans. And Remember.... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE TO BE YOUR REALTOR.

@martykelly100 talks about why buyers should invest in homeownership rather than renting. Trying to decide if it makes sense to buy a home right now? I know mortgage rates look a little scary as high as they are, but there are still two great reasons you may want to buy. Let me show you what I mean. This graph shows home price appreciation over the last sixty years. You might think home prices bounce up and down a lot. But look at the graph. In the long run, home values go up over time. Now look at this graph. It shows the increase in rents over the last sixty years. Rent has gone up steadily, too. So, if both typically rise, the question really is: do you want to invest in yourself or your landlord? Buying a home means investing in yourself. As your home’s value goes up, you gain equity and build your net worth. Renting is just the opposite. It’s money you’ll never get back. If you're financially stable and can afford a mortgage payment and household maintenance costs, buying a home has more long-term benefits for you. If you’re ready to take advantage of the perks that come with homeownership, I’m here and happy to help. Call or text me today and let's discuss your Real Estate needs. And Remember.... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE TO BE YOUR REALTOR.

@martykelly100 talks about what experts are forecasting for end-of-year home prices. Home prices are one of the top things I’m getting questions about right now. And, that’s because people heard they were going to crash this year. I know the headlines were scary, but prices didn’t crash. It just didn’t happen. To help put your mind at ease, take a look at this. This graph shows six year-end expert forecasts for home prices this year. Here’s what I see. The overall projection is that prices are actually going to be positive for twenty-twenty-three. Sure, one organization is saying prices will end the year slightly down. But the key word there is slightly. A zero-point-four-percent drop is definitely not a crash. Don’t get stuck on the one red bar. Focus on how many green bars there are. All the other experts shown here are forecasting prices will net positive. So don’t believe everything you’re hearing. If you’ve got questions about what’s true and what’s happening in our area, let me know. That’s literally what I’m here for. I’ve got you covered. Call or text me today and let's discuss your Real Estate needs. And Remember.... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE TO BE YOUR REALTOR.

@martykelly100 talks about the benefits that multi-generational homes have on housing costs. Have housing costs got you stressed? YOU are not alone. With higher mortgage rates and rising home prices, affordability is tight. That could be why more people are choosing to go with multi-generational homes. This study shows the top reasons buyers purchased a multi-generational home. Twenty-eight percent of first-time buyers did it for the cost savings. And eleven percent of repeat buyers had the same motivation. Imagine combining incomes to cover the mortgage and the bills. It’s a game-changer, especially if you've had a hard time affording a home on your own. And guess what? Twenty-eight percent of first-time buyers and eighteen percent of repeat buyers did it because they wanted a larger home. Even today, that larger home could be within reach when you and your loved ones pool your incomes together. Now finding a multi-generational dream home isn’t like a regular house hunt. You've got to find a place where you’ll all be comfortable under one roof. That’s where I come in. I can help you locate a home that everyone’ll love and won't break the bank. If multi-generational living sounds like an option for you, let’s talk. We’ll find that perfect home for you and your crew. Call or text me today and let's discuss your Real Estate needs. And Remember.... It really does matter who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE TO BE YOUR REALTOR.

@martykelly100 talks about how home prices are starting to normalize again. Want to know what’s really happening with home prices in Cedar Park & Leander TX? Spoiler alert: they’re not falling. Price growth is just returning to more normal levels. Stick with me and I’ll explain. Here’s the forty-nine-year average for home price movement, in blue, stacked against what’s happened this year, in green. If you look only at the blue bars, you’ll see what usually happens with prices. Generally, price growth starts off slow at the beginning of the year. It really ramps up during the spring homebuying season. And then it cools off in the second half of the year. This is typical seasonality. Now, take a look at the green bars – that’s all the data we have so far for this year. With the exception of January, we’ve started to fall more in line with what’s normal for price growth in the housing market. And that’s a good thing. I’ll continue to watch this trend for you, and as new data is available, I’ll keep you posted. In the meantime, reach out if you have questions, or if you want more info on exactly what’s happening right here in our local Cedar Park & Leander TX market. Call or text me today and let's connect to discuss your Real Estate plans. And Remember… It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE TO BE YOUR REALTOR.

@martykelly100 talks about how household net worth increased and how owning a home can help to increase your net worth. One big reason to consider buying a home in Cedar Park & Leander TX is because it can help you grow your net worth and become more financially secure. Check this out. This shows how household net worth went up dramatically over the past few years. I realize your eyes probably go right to that largest bar on the right that shows the top one percent did extremely well. And it’s true, your favorite celebrity probably saw the biggest increase. That’s a given. But here’s what I really want you to pay attention to – all the bars are going up, not down. The point is, each group saw their net worth climb. And, for many of those people, their home was one of the key factors in that increase. That’s because as home values appreciate, homeowners see their overall wealth go up too. So, if you’re thinking about buying a home, know that it can contribute a lot to your growing net worth. When you’re ready to see what’s available in our Cedar Park & Leander TX area, let's connect. Call or text me today and let's discuss your Real Estate plans. And Remember… It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE TO BE YOUR REALTOR.

@martykelly100 talks about how pricing your home can affect how quickly it sells. Ever notice how some houses get snapped up right after they're listed for sale, while others linger on the market for a while? The difference can be as simple as nailing the asking price. Here’s why pricing it right matters. If your house is priced too high, you could deter buyers and that means it may sit on the market longer. Then, you may feel like you've got to do a price drop to get people interested again. And that price drop can be seen as a red flag for buyers. On the flip side, if it’s priced too low, you leave money on the table and that decreases your future buying power. Plus, buyers may see a lower-than-expected price and wonder if that means something’s wrong. The sweet spot? Pricing it at market value. That helps your house get a whole lot more attention. And that can lead to stronger offers and a better chance of a fast sale. But finding that ideal price isn’t easy. You need an agent who really understands the market here in Cedar Park & Leander TX. I look at local home values, your house's condition, and a lot more to pinpoint that golden number for you. Ready to sell? Let’s chat. Call or text me today and let's discuss your Real Estate needs. And Remember.... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE TO BE YOUR REALTOR.

@martykelly100 talks about foreclosures and how they are not negatively affecting today's market. You might’ve heard about an increase in foreclosures in the news lately. And that may have you worried we’re headed for a housing crash like we saw back in two-thousand-and-eight. But things are different this time. Let me break it down for you. This graph shows the number of foreclosure filings is near an all-time low, even with a slight increase over the last year. When the housing market crashed back in two-thousand-and-eight, there was an oversupply of homes for sale. Part of that oversupply came from foreclosures. You can see that increase in foreclosures if you look at the peak in this graph. But today, the number of foreclosure filings is low by comparison. The only time when foreclosures were significantly lower than this year was during the foreclosure moratorium that happened during the pandemic. That’s the white bars on the graph. With the moratorium now over, we’re seeing an expected rise in foreclosures today. But even with that, there are fewer homes in foreclosure than usual and much fewer than there were during the housing crash. Data shows this isn’t a repeat of two-thousand-and-eight. Most homeowners even have enough equity to sell and avoid foreclosure this time. If you have questions, let’s connect. Call or text me today and let's discuss your Real Estate needs. And Remember... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE TO BE YOUR REALTOR.

@martykelly100 talks about home price trends and how home prices are not falling in Cedar Park and Leander Tx. No matter where you get your news, I’m willing to bet you’ve heard someone say home prices were falling at some point over the past year. And, if you’re like most people, that made you a little nervous. But here’s the thing. A lot of that talk has been really confusing. Here’s what the actual data tells us. This shows the percent change in home values month-over-month from three sources. Here’s what I want to be sure you notice about these. While there were a few red months when home prices did decline a bit, that trend ended earlier this year. Now, focus on the green bars on the right. They show prices have been back on the rise for months. And it’s not just one source that’s saying this. I’ve got three here, but there are more. I just couldn’t fit them all in. The big takeaway? No matter what you’re hearing in the news, the most recent numbers tell us home prices aren’t falling anymore. So if you’re worried about prices, don’t be. Sure, they vary by area, but nationally they’re climbing again today. If you want to know what’s happening where we are, let's connect. Call or text me today and let's discuss your Real Estate plans. And Remember…. It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE TO BE YOUR REALTOR.

@martykelly100 talks about what you should expect from a great listing agent. Selling your home is a big deal. And the right listing agent can make all the difference. They work with you to get your house on the market and get it sold at the best price and on the best terms for you. You want to work with one of the top listing agents in your market. So, you need to be able to tell the difference between a good agent and a great one. Here are three things you should expect from a great listing agent. First, you want someone who tells you the truth about price. A great agent should back up their pricing strategy with solid data and explain why it’s so important to price your house right. Second, you want someone who navigates challenges effectively. They should be resourceful enough to manage any hurdles that come up, so you have a smooth experience. Last but not least, you want somebody who will get your house sold and handle the hard conversations along the way. A great agent is your secret weapon. So, as you prepare to make your move, keep these traits in mind. Give me a call when you’re ready to get started. Call or text me today and let's discuss your Real Estate plans. And Remember… It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE TO BE YOUR REALTOR.

@martykelly100 talks about what sellers should do if their listing expires. If your house didn’t sell before your listing expired, you’re probably feeling more than a little frustrated. I understand. That’s a hard spot to be in. If you don’t know what to do next, here’s a rundown of your options. When your house hasn’t sold, you can take it off the market completely, sell it yourself, or work with an agent to re-list it. If this is a bit overwhelming, here’s what I’ll tell you. There’s probably a reason you wanted to move. So, deciding you’re not going to do it isn’t putting your needs first. And, while you could try to sell it yourself, it’s an involved process. If you’re already stressed because it didn’t sell the first time, taking on the pressure of selling it on your own may be more than you want to tackle. Option three is to re-list it. Now, I know you didn’t have a great experience and I want to change that. I’m here to listen and offer advice. Call or text me today and Let’s connect so you have a partner who can help you plan out your next steps. And Remember.... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.

@martykelly100 talks about how equity can make buying a new home more affordable. Do you ever wonder how much equity you've built up in your home? A lot of people don’t realize just how much they have right now, and you might be in for a pleasant surprise when you find out. Check this out. Americans are sitting on tremendous equity today. The two green parts of the chart show about two-thirds of homeowners have at least fifty percent equity right now. Here’s why that’s such a big deal. When you sell, you can use your equity to help you buy your next home. You might have enough to cover some, if not all, of your down payment. Actually, depending on how much you have, you could potentially pay for your next home in cash. If you’re worried about affordability today, this may be just what you need to feel more confident about your move. Want to know how much equity you've got and learn some tips on how to use it? I'm here to help. I can create a Professional Equity Assessment Report just for you. It'll show you how much equity you have to help you get ready for your next move. Let's get in touch today. Call or text me and Let’s connect so you have a partner who can help you plan out your next steps. And Remember.... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.

@martykelly100 talks about how remote work empowers home buyers in today's market. Are you trying to find your dream home? If you’re frustrated by the limited options in your area, here’s something you may not have considered. If you work from home either full or part-time, it may not be as necessary to live near your office. And, that added flexibility can help open up your home search. Listen to this. In a recent survey, Fannie Mae says, in twenty-twenty-three, twenty-two percent of remote and hybrid workers indicated they may be willing to relocate to a different region or increase their commute by more than twenty minutes. By casting a wider net when you’re looking for a home, you could uncover hidden gems that are more affordable. That’s because you can broaden your horizons and explore a wider range of neighborhoods, communities, and homes that were previously outside your reach when you had to commute every day. That extra distance can be a small trade-off for a home that better fits your budget and lifestyle. Remember, remote work isn't just about where you work; it's about where you live, too. Your dream home might be waiting just a little farther down the road, and I'm here to help you find it. Let’s connect to explore all your options today. Call or text me so you have a partner who can help you plan out your next steps. And Remember.... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.

@martykelly100 talks about home equity in today's market, and how that empowers sellers for their next move. I’ve got a question for all my homeowners out there. Do you know what home equity is? If you’re not familiar with it, you’re going to want to listen to this. Equity is the current value of your home minus what you owe on the loan. And with how much home prices have climbed in recent years, your equity’s gotten an extra boost. According to CoreLogic, the average U.S. homeowner now has more than two-hundred-and-seventy-four-thousand dollars in equity – that’s up significantly from one-hundred-eighty-two-thousand dollars before the pandemic. That’s a big jump in a pretty short span of time. And, you have increasing home values too thanks to that. And, nationally, prices are back on the rise today. So, if you’ve been in your house for at least a couple of years, you may have a lot more equity than you realize. When you’re ready to find out just how much equity you have and how you can use it, let me know. I’ll do a Professional Equity Assessment Report for you, so you know what you’re working with. Then, let’s make a plan to fuel your next move. Please call or text me today and let's connect to discuss your Real Estate plans. And Remember..... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.

@martykelly100 talks about the how headlines are misleading new buyers and sellers into thinking that we are headed for a second 2008 crash. If you remember the two-thousand-and-eight housing crash, recent negative headlines may have you worried we’re headed for a repeat of what happened back then. But things are different now partly because there are so few homes for sale. Let’s look at the data. This graph shows the average annual inventory of homes for sale. Based on the latest numbers, shown in green, current inventory is up compared to the last three years. But as you can see, it’s up compared to when inventory was at an all-time low. We’re still far lower than the norm. And, if you look back at two-thousand-and-eight, shown in red, the number of homes for sale today is less than a third of what it was back then. So, what does this mean? Well, today’s inventory situation is nothing like last time. There just aren’t enough homes to go around today which is keeping upward pressure on home prices. That’s why inventory tells us the housing market isn’t headed for a crash. Please call or text me today and let's connect to discuss your Real Estate plans. And Remember..... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.

@martykelly100 talks about how home buyers and sellers can benefit from a buyer and seller guide. If you’re thinking about buying or selling a house, hearing about the housing market in the media can feel a bit overwhelming. To cut through the noise, you will want to be sure you have the best information available. That’s where my buyer and seller guides come in. These guides will help you understand what’s really going on in this fall’s housing market using the latest data, expert insights, and more. Want to know what the data says about what’s happening with home prices? Wondering about the current inventory situation? Or how about what experts say could happen next for mortgage rates? Whether you're a hopeful buyer who’s eager to find your dream home, or a homeowner ready to sell, you’re going to want these guides. Picture this. Every decision you make, every step you take, filled with confidence. That's the experience I want for you. And that's exactly what I hope to give you with these guides. If you're ready to take the first steps in your buying or selling journey, I’m just a call away. Together, we’ll make sure you're fully prepared to make a move this fall. Please call or text me today and I'll send you one or both guides to help with your Real Estate plans. And Remember..... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.

@martykelly100 talks about what experts are currently forecasting about home prices. No matter where you get your news, I’m willing to bet you’ve heard someone say home prices would fall this year. That’s because negative news sells – and it spreads fast. But prices didn’t crash. And I’ve got the data to prove it. But don’t just take my word for it. Even the experts recognize they got it wrong. This chart shows the 2023 year-end home price forecasts from seven expert organizations. It includes both the original 2023 forecast they released late last year, and the latest revision that’s available. Here’s what I notice when I look at it. All of their original forecasts said prices were going to fall. Those are the ones in red. But look at their current forecasts. You don’t see any red, do you? That’s because none of them still think prices will fall. They all say, that by year-end, prices are going to net flat or show positive growth. That’s a pretty significant change. What this tells me is, that prices were a lot more resilient than they originally expected, and that’s great news. I can help you stay ahead of the next round of negative headlines so we can stop the fear before it starts. I also know exactly what’s happening with prices right here in our local market. Let’s connect so you have the latest information. Call or text me today and let's discuss your Real Estate plans. And Remember.... ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.

@martykelly100 talks about how rising wages are empowering buyers in today's market. This year’s higher mortgage rates and home prices have been challenging for some homebuyers. As a seller, that might lead you to believe very few people can buy right now – but that’s not necessarily the case. Let me explain why. This graph shows hourly earnings have been rising quite steadily over the last few years. Here’s why this matters to you. The ability to buy a home comes down to three main factors: wages, home prices, and mortgage rates. When wages go up, people have more money they can save or use to buy a home. And that helps with some of the affordability challenges in the housing market today. This is just one of the reasons buyer demand is still going strong. People will always need to buy homes and rising wages help make that possible for buyers, even now. If you’re thinking about selling your house, this is good news. It means there are buyers who are in a position to make their dream of homeownership come true today. And your house may be just what they’re looking for. If you’re ready to sell, let’s connect. Call or text me today and let's connect to discuss your Real Estate plans. And Remember.... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.

@martykelly100 talks about mortgage trends and where the current mortgage rate is at. I know mortgage rates are top of mind right now. And one of the big questions buyers want to know is: when are rates going back down? Here’s the thing. Forecasting mortgage rates is hard. So, I can’t promise what’s going to happen. But here’s some data I can share on how this typically goes. Historically, there’s a tie between inflation and the 30-year fixed mortgage rate. This chart breaks it down. It shows how the thirty-year fixed mortgage rate follows behind inflation. The blue line represents inflation. As you can see with the arrows on the left, when inflation goes up, the green line, which is the mortgage rates, follows but on a delay. When the blue line goes back down, the green line does too, a little later. Now, look all the way to the right. That’s what’s happening today. The blue inflation line has come down, but the green mortgage rates line hasn’t followed yet. But, here’s my advice for you. Don’t try to time the market. No one knows exactly what’s going to happen or when. Just make sure you have a team of real estate professionals by your side as you plan your move. And I want to be a part of that team. Call or text me today and let's connect to discuss your Real Estate needs. And Remember.... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.

@martykelly100 talks about how new home construction is a viable option for new homebuyers who are frustrated at the limited number of houses for sale. I’ve got some news any homebuyer out there wants to hear. I know a lot of you are frustrated by the limited number of homes for sale today. But what if I told you, you may have more options than you realize? Here’s why. New home construction is ramping up. And, according to the latest data, that’s true for completions, starts, and permits. Completions are newly built homes that are ready to go. Starts are homes where construction has begun. And permits are where builders plan to break ground soon. For you, this means you’ve got options at every stage of the construction process. So, if you want to move right now, let me take you to recently completed homes. But, if you want to customize something from the ground up, lean on me to show you where builders are just starting to build or just getting a permit. I know what some of you are thinking. You hadn’t really considered a newly built home because you assumed they were out of your price range. Call or text me today and Let’s connect so I can show you what’s available in our area and help find the best option for you. And Remember..... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.

@martykelly100 talks about home price trends and what that could mean for home buyers. Are you holding off on buying a home because you’re worried about what’s going happen to home prices over the next few years? I can help with that. What if I told you I have insight into what over one hundred economists, real estate experts, and market strategists have to say about what lies ahead? Here’s a look at what those experts forecast for estimated home price performance through twenty-twenty-seven. 2027 You may zero in on the slight drop for 2023 in red. I get it. But, here’s the thing. While prices did dip slightly earlier this year, they’ve already rebounded and are going back up across the country. What you really need to focus on is how much they’re projected to continue climbing over the next few years. The green bars show prices are expected to appreciate in twenty-twenty-four and beyond. So, what does that mean for you? It means the home you’re thinking about buying should grow in value in the years ahead. But, if you wait to buy, based on these forecasts, that same home is going to cost you more later on. Ready to start your home search? Call or text me and Let’s connect. And Remember.... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.

@martykelly100 talks about the housing inventory and why that affects how fast houses are selling. I know a lot of you heard about the intense level of competition and the bidding wars we saw in the housing market over the last few years. While that peak is behind us, it doesn’t mean you’ve missed your chance to sell. And that’s because housing inventory is still so low. This graph gives us a way to see the trend in the supply of homes for sale using a metric called active listings. Basically, that’s how many homes are on the market at a time. So, what does it show us? The blue bars represent more normal years in the housing market. The last couple of years aren’t in here because those were truly abnormal years that would be an unfair comparison. The orange is this year. You can see from the orange, we’re still lagging way behind the level of inventory we’d see in more normal years. When supply is so low, your house is going to be in the spotlight. That’s why sellers are seeing their homes sell a little faster and getting more offers right now. If you’re ready to get in on that action, then call or text me today and let’s connect. And Remember.... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.

@martykelly100 talks about lending standards and how they indicate that today's market is stable. If you’re worried about a potential housing crash, it’s important to realize the current housing market isn’t like it was back in two-thousand-and-eight. One of the easiest ways to see the difference is by looking at lending standards. There's a tool we have in the real estate industry called the Mortgage Credit Availability Index. It's like a thermometer for how easy or difficult it is to secure a mortgage. When lending standards are less strict and it’s easier to get a mortgage, the index goes up. And as you can see from this graph, lending standards are still under control. Leading up to the housing crash, the index shot up over eight-hundred-and-fifty. Lending standards were loose, mortgages were easy to get, and the risk that people wouldn’t be able to pay back their loans was really high. But fast-forward to today, and the index has gone down to ninety-six-point-five. Lenders are now more cautious, loans are given to those who can actually repay them, and both lenders and borrowers are exposed to far less risk. In short, we’re nowhere near the extreme lending practices that contributed to the crash. So, if you have questions about today’s housing market, or if you're interested in buying or selling a home, then call or text me today and let's connect. And Remember..... It matters who you choose to be your Realtor. ****** Marty Kelly is a native Texan and has been a resident in Leander TX since 1996. Marty has been working in Real Estate since 2005, and he is currently the Broker for Keller Williams Realty in Cedar Park and Leander TX, helping friends & family buy & sell their homes for the best value with the least amount of stress. Marty Kelly, Broker Keller Williams Realty c: 512.563.0799 e: MartyKelly@kw.com w: www.MartyKelly.kw.com APP: www.MK-KW.com IT MATTERS WHO YOU CHOOSE.