최근 애리조나에서 한 주택 소유자가 약 130만 달러짜리 고급 주택을 추첨 방식으로 판매하려다 규제 당국의 제재를 받는 일이 있었습니다. 티켓 한 장에 10달러만 내면 고급 주택을 가질 수 있다는 점 때문에 많은 관심을 끌었지만, 결국 불법 도박 행위로 간주되어 무산된 것입니다. 반면 같은 플랫폼을 이용해 텍사스에서는 700만 달러 규모의 리조트를 추첨 형식으로 성공적으로 판매한 사례도 있었습니다. 이처럼 주마다 법이 다르다 보니 혼란이 발생하고 있으며, 그 과정에서 셀러들이 어떤 우회 방식을 시도하는지에 대한 논의가 이어지고 있습니다. 왜 주택 추첨은 불법일까? 표면적으로는 단순한 마케팅 전략처럼 보이지만, 법적으로는 복잡한 문제가 얽혀 있습니다. 대부분의 주에서는 돈을 지불하고 당첨 가능성을 얻는 행위를 복권으로 간주하며, 이는 강하게 규제됩니다. 일부 주에서는 비영리단체만 주택 추첨을 운영할 수 있고, 그마저도 엄격한 등록 절차와 규칙을 따라

Recently in Arizona, a homeowner tried to sell a $1.3M luxury property by raffle—tickets were just $10 each for a chance to win the home. While it drew attention, regulators shut it down, classifying it as  illegal gambling . By contrast, in Texas, a $7M resort was successfully sold on the same platform using a raffle-like approach. The difference?  State laws vary widely , causing confusion and tempting sellers to test loopholes. Why Are Home Raffles Illegal? While they may

많은 분들이 주택 구매를 생각하면서 전통적인  봄 시즌(3~5월) 을 가장 좋은 때로 여깁니다. 하지만 최근 부동산 데이터를 보면  1월처럼 비수기인 겨울 시즌이 예산을 절약하고 경쟁을 줄일 수 있는 기회 가 될 수 있다고 합니다. (turn0view0) 이번 글에서는 1월이 왜 주택 구매에 유리할 수 있는지, 그리고 지금 시장에서 어떻게 움직여야 유리한 조건을 만들 수 있는지를 설명해 드리겠습니다. 왜 1월이 기회를 줄 수 있을까요? 1. 겨울은 가격과 경쟁 측면에서 유리한 시기입니다 통상적으로 봄·여름에는 많은 바이어가 활동을 활발히 하고 매물도 많이 나와 경쟁이 치열해지는 시기입니다. 반면 1월과 같은 겨울철은  바이어가 상대적으로 적고 경쟁이 덜합니다.  이로 인해  비딩 전쟁(여러 바이어 간 경쟁 입찰) 이 줄어들며 협상력을 높일 수 있습니다. 겨울은 느리게 움직이는 시장 특성 때문에  집값 측면에서도 가격이 낮아지는 경향 이 있습니다..

Many buyers traditionally believe that  spring (March–May)  is the best season to purchase a home.However, recent real estate data suggests that  January and the winter off-season  can actually offer buyers  lower prices, less competition, and stronger negotiating power . Here’s why January may be one of the smartest times to buy — and how to position yourself for success in today’s market. Why January Can Be a Hidden Opportunity 1. Less Competition, Better Pricing During spr

많은 분들이 정기적으로 점검하지 않는 부분 중 하나가 바로  내 집의 현재 가치와 쌓여온 홈에퀴티(Home Equity) 입니다. 사실 주택은 대부분 가정에서 가장 큰 자산이며, 몇 년 이상 보유했다면 모르는 사이에 큰 부를 쌓아왔을 가능성이 높습니다. 최근 시장 변동에도 불구하고, 상당수의 가정은 여전히 상당한 수준의 에퀴티를 보유하고 있습니다. 홈에퀴티란 무엇인가? 홈에퀴티는 집의 현재 시장 가치에서 남은 모기지 대출금을 뺀 금액을 의미합니다. 예를 들어, 현재 주택의 가치가 50만 달러이고, 남은 대출금이 20만 달러라면 30만 달러의 에퀴티를 보유하고 있는 셈입니다. 최근 Cotality 자료에 따르면, 모기지를 보유한 평균 미국 주택 소유자의 홈에퀴티는 약  30만 2천 달러 에 달한다고 합니다. 왜 지금 에퀴티가 많을까? 주택 가격 상승 효과 연방주택금융청(FHFA)에 따르면 지난 5년간 전국 주택 가격은 약 54% 상승했습니다....

Home equity is the difference between your home’s current market value and the remaining balance on your mortgage.For example: if your home is worth  $500,000  and you still owe  $200,000 , your home equity is  $300,000 . According to recent data from  Cotality , the average U.S. homeowner with a mortgage has about  $302,000 in home equity . Why Homeowners Have Built Significant Equity Home Price Appreciation The  Federal Housing Finance Agency (FHFA)  reports that national