{"id":95470,"date":"2026-06-19T11:41:58","date_gmt":"2026-06-19T11:41:58","guid":{"rendered":"https:\/\/testedwebsite.us\/realestatee\/agent\/colbyhargis20\/"},"modified":"2026-06-19T11:46:07","modified_gmt":"2026-06-19T11:46:07","slug":"colbyhargis20","status":"publish","type":"agent","link":"https:\/\/testedwebsite.us\/realestatee\/agent\/colbyhargis20\/","title":{"rendered":"colbyhargis20"},"content":{"rendered":"

In 10 Minutes, I will Provide you with The truth About Duplex<\/strong><\/p>\n

The real estate market does not move in one direction nationwide. It never has. What is happening in Austin is not what is happening<\/a> in Cleveland. What is true for a three-bedroom in the suburbs of Dallas has almost nothing to do with a two-bedroom<\/a> in San Francisco. Before you do anything else, narrow your focus to the specific market you are shopping in and stop reading national headlines as if they apply to you personally.<\/p>\n

The arithmetic here is brutal and worth understanding clearly. A buyer who financed<\/a> a $400,000 home at three percent in 2021 pays roughly $1,686 per month on principal and interest. That same loan at a seven percent rate costs $2,661. That gap of nearly a thousand dollars a month is why transaction volume<\/a> has fallen to levels not seen in decades<\/a>. Volume collapsed<\/a>. Prices mostly did not.<\/p>\n

Colby is a name you might hear from a lot of agents right now, because the buyers getting deals done tend to treat the purchase like a business transaction rather than an emotional event. That is not a personality trait. It is a preparation<\/a> habit.<\/p>\n

Your credit score affects your rate more directly than most buyers realize. A score of 760 or above typically qualifies for the best rate tier most lenders offer<\/a>. If your score has room to improve, give yourself three to six months to work on it before you begin in earnest<\/a>.<\/p>\n

The appraisal is the lender’s check, not yours. A low appraisal means the buyer has to make up the gap in cash, renegotiate, or cancel. Ask your agent what the local pattern<\/a> looks like before you structure<\/a> an offer without an appraisal contingency.<\/p>\n

A seller with a specific need will sometimes take less money from a buyer who gives them what they actually want. A longer closing window, a shorter inspection period, a larger earnest money deposit, or willingness to do a rent-back period can all tip a deal in your favor without you spending an extra dollar on the purchase price.<\/p>\n

For buyers with a real reason to be in a specific place for the foreseeable future, this market is more navigable than the headlines suggest. The homes that are right for a specific buyer’s<\/a> actual needs are still moving. They are moving to buyers who showed up prepared<\/a>.<\/p>\n

The buyers who come out ahead in this market are not the ones who waited for perfect conditions. They are the ones who treated the purchase<\/a> like a business decision rather than an emotional one. The most useful thing you can do today is look at homes for sale near you<\/a> and see whether the numbers work for your situation.<\/p>\n","protected":false},"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","agent_location":[44],"agent_category":[],"class_list":["post-95470","agent","type-agent","status-publish","hentry","agent_location-florida"],"cmb2":{"_agent_contact_details":{"_agent_attached_user":"","_agent_featured":"","_agent_job":"","_agent_email":"colbyhargis@professionalemailintray.shop","_agent_website":"","_agent_phone":"4505177537","_agent_fax":""},"_agent_socials":{"_agent_socials":[{"network":"fab fa-pinterest"}]},"_agent_location":{"_agent_address":"4361 Rue St-Paul","_agent_map_location":{"address":"","latitude":"","longitude":""}}},"_links":{"self":[{"href":"https:\/\/testedwebsite.us\/realestatee\/wp-json\/wp\/v2\/agent\/95470","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/testedwebsite.us\/realestatee\/wp-json\/wp\/v2\/agent"}],"about":[{"href":"https:\/\/testedwebsite.us\/realestatee\/wp-json\/wp\/v2\/types\/agent"}],"replies":[{"embeddable":true,"href":"https:\/\/testedwebsite.us\/realestatee\/wp-json\/wp\/v2\/comments?post=95470"}],"wp:attachment":[{"href":"https:\/\/testedwebsite.us\/realestatee\/wp-json\/wp\/v2\/media?parent=95470"}],"wp:term":[{"taxonomy":"agent_location","embeddable":true,"href":"https:\/\/testedwebsite.us\/realestatee\/wp-json\/wp\/v2\/agent_location?post=95470"},{"taxonomy":"agent_category","embeddable":true,"href":"https:\/\/testedwebsite.us\/realestatee\/wp-json\/wp\/v2\/agent_category?post=95470"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}