Diana Kearns and Michael Kearns, Realtors Real Estate Agent

Diana Kearns and Michael Kearns, Realtors

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Would Student Loan Forgiveness Impact the Housing Market?

By The Kearns Team via RIS Media - August 19, 2022
Reprinted from RIS Media. https://www.rismedia.com/2022/08/12/would-student-loan-forgiveness-impact-the-housing-market/ By Brendan Rascius, RIS Media August 15, 2022 One in eight people across the country has student loan debt, including nearly one in two millennials. There are more student loan holders in America than there are people in Canada. These loans provide millions of
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How to Balance Saving for Retirement and Saving for Your Kids' College Education

By The Kearns Team via RIS Media - August 15, 2022
How to Balance Saving for Retirement and Saving for Your Kids' College Education Image provided by RIS Media Many people are on a tight budget and don’t save as much as they should for retirement. If you have children and you want to save for their education, things can get even trickier. Here are some tips to help you prioritize and accumulate enough savings. Make Logical Decisions You
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6 Mistakes to Avoid When Paying Off Your College Loans

By The Kearns Team via RISMedia - August 09, 2022
6 Mistakes to Avoid When Paying Off Your College Loans Did you know student loans are one of the largest forms of debt in America? Paying off college loans is essential to cementing your financial future. To help you successfully navigate the complexities of borrowing, Edvisors.com suggests steering clear of these common repayment mistakes: Losing track of loans. Graduating with an aver
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Economist Lawrence Yun: Possible Economic Downturn Likely to Be Mild

By The Kearns Team via REALTOR® Magazine - August 03, 2022
Reprinted from REALTOR® Magazine Yun: Possible Economic Downturn Likely to Be Mild A contracting economy typically means a recession, but other economic indicators are likely to mitigate the effects of the slowing economy, says NAR’s chief economist. August 2, 2022 Catherine Mesick The country isn’t officially in a recession yet, despite two consecutive quarters of national contractio
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No One Saw It Coming: How a Housing Market Curveball Has Completely Changed What Buyers Can Expect in 2022

By The Kearns Team via realtor.com - June 17, 2022
Reprinted from realtor.com By Clare Trapasso Jun 13, 2022 A lot can change in just six months. Russia invaded Ukraine. The latest season of “Stranger Things” dropped on Netflix. And the housing market, which received a turbo boost from the COVID-19 pandemic, has begun to shift. Surging mortgage interest rates are rippling through the housing market, threatening to upend real estate’
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What Identity Thieves Want from Your Facebook Profile

By The Kearns Team via RISMedia - June 15, 2022
Image courtesy of RISMedia Social media is just that—social. And a big part of it is sharing photos when you’re out celebrating something, such as your birthday. However, these two things—photos of yourself and your date of birth—can be all someone needs to steal your identity and start opening bank accounts, credit cards and other things in your name. Frank Abagnale, a famous fraud-prevention
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Is This Your Situation: Looking for a Home That Fits Your Needs and Budget?

By The Kearns Team via HomeActions - May 13, 2022
The agent you're working with can guide you through the process of making a purchase offer. You'll want to start by learning as much as you can about how much the property is worth. Image courtesy of HomeActions Check the Comparables Your agent has up-to-the-minute price data at hand to help you analyze any comparable properties; just ask. Although every home is unique, here's some of what ma
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Lies, Damn Lies, and Statistics - Real Estate Edition

By The Kearns Team - February 13, 2022
Every month, we monitor home prices in many Denver area communities and neighborhoods. Because all real estate is local, national trend reports may not accurately explain what is happening in our area - and there may be differences from neighborhood to neighborhood! We also dig deeper than a cursory look at Median Home Prices or other statistics that national (or local) media use to support the s
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Waiting To Sell Your House Could Cost You a Small Fortune

By Kearns Team - January 21, 2022
Every year we talk to potential home sellers about the benefits of selling early in the year, BEFORE the "spring market." Here's some useful info on why this may be even more true this year. Click HERE for the full article... Considering selling your home in 2022? Reach out to us to talk about a strategy to help you achieve your real estate goals!
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Should You Refinance for a Shorter Term?

By The Kearns Team via HomeActions - January 12, 2022
As interest rates are still at all-time lows, you're probably thinking about refinancing your mortgage. When you refinance for a shorter term, you save on interest and pay off your home sooner. Sounds good, but taking out more debt is never a simple proposition. Here are some considerations: Can you afford a higher mortgage payment? Image courtesy of HomeActions Squeezing an extra few hundred
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With Rising Home Prices, is a Foreclosure Crisis Coming?

By The Kearns Team - December 14, 2021
Back around 2005-2006 the US housing market saw a "bubble" which lead to the foreclosure crisis of 2007-2009. With home prices rising quickly in 2020 and 2021, many homeowners (and prospective buyers) are asking if there's another crash coming and if they should wait out the market until things "normalize." As we look at the market dynamics today, there are a few things that stand out in suggesti
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Fixed Rate vs. Adjustable: Which Mortgage Is Right for You?

By The Kearns Team via RISMedia - October 16, 2021
When you're choosing a mortgage, there are many factors to consider. Your own personal finances will probably experience periods of increase and decline, interest rates rise and fall, and the strength of the economy waxes and wanes. Image courtesy of RISMedia With that as context, let's take a closer look at each basic type of mortgage: In a fixed-rate mortgage, the interest rate is fixed, wh
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