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지난 몇 년간, 마음에 드는 집을 찾는 일이 거의  불가능에 가까웠던  시기가 있었습니다.매물이 적고 경쟁이 치열했던 시장에서 바이어들은 소수의 옵션 속에서 선택을 강요받았고,때로는 원하는 조건을 포기하면서까지 집을 사야 했습니다. 하지만 지금은 상황이 달라지고 있습니다. 전국적으로 증가하는 매물 최근 Realtor.com의 데이터에 따르면,  미국 전역에서 매물 수가 증가하고 있는 추세 입니다.미국 4개 지역 모두에서 매물이 전년 대비 최소 19% 이상 증가했으며,특히 서부 지역에서는  무려 41% 가까이 매물이 늘어난 것 으로 나타났습니다. 이처럼 매물이 증가하는 데는 두 가지 주요 이유가 있습니다: 판매를 미루던 셀러들이 움직이기 시작했습니다. 그동안 낮은 이자율을 기다리며 집을 내놓지 않던 셀러들이, 더는 기다릴 수 없다고 판단하고 시장에 나오고 있습니다. 실제로  올해 5월은 지난 3년간 5월 중 가장 많은 신규 리스팅이 나온 달 이었습니다. 집이 팔리는 데 걸리는 시간이 길어졌습니다. 시장에 나온 매물들이 더 오래 머무르게 되면서, 전체 매물 숫자가 자연스럽게 늘어났습니다. 예를 들어, 5월 기준으로 평균 판매 기간은 51일로, 팬데믹 이전 시장의 전형적인 흐름에 가까워지고 있습니다. 결과적으로,  이제 바이어들이 선택할 수 있는 기회가 많아졌고 ,시장도 점차 균형을 되찾는 중이라는 평가가 나오고 있습니다. Realtor.com의 수석 이코노미스트인 Danielle Hale은 현재 상황을 다음과 같이 분석했습니다: 많은 시장에서 매물이 증가하고 있어 바이어들이 수년 만에 더 많은 선택지를 가질 수 있게 되었고, 시장이 점차 균형을 향해 가고 있다 고 합니다. 지역마다 회복 속도는 다릅니다 다만 주의할 점은,  모든 지역이 동일하게 회복되고 있는 것은 아니라는 점 입니다.일부 지역은 이미 팬데믹 이전 수준의 매물 수를 회복했지만,다른 지역은 아직 이전 평균에 미치지 못하고 있는 상황입니다. Realtor.com의 또 다른 분석 자료에서는,2017~2019년 ‘정상적인’ 시장과 비교했을 때일부 지역은 현재 매물이 평균 수준까지 회복된 반면,다른 지역은 아직 개선이 필요하다는 점을 보여주고 있습니다. 지금 이 지역의 시장은 어떤가요? 중요한 건  내가 살고자 하는 지역에서 실제로 어떤 변화가 일어나고 있는지 아는 것 입니다.전체적인 수치는 참고가 될 수 있지만,  구체적인 매물 수와 시장 흐름은 지역마다 다르기 때문입니다. 따라서 지금 내 집 마련을 고민하고 계시다면, 그 지역의 시장 상황을 잘 아는 리얼터와 함께 움직이시는 것이 중요합니다. 실제 매물이 얼마나 늘어났는지, 어떤 조건의 집들이 시장에 나와 있는지,그리고 나의 상황에 맞는 전략이 무엇인지 현실적인 조언을 받을 수 있습니다. 마무리하며 전국적으로 매물이 늘어나고 있고,시장은 바이어에게 조금씩 유리한 방향으로 움직이고 있습니다. 하지만  정상적인 시장 회복까지는 지역에 따라 시간차가 존재하기 때문에 ,지역 전문가와 함께 정확한 시장 흐름을 파악하고 전략을 세우는 것이 매우 중요합니다. 혹시 요즘 마음에 드는 매물을 못 찾고 계셨다면, 지금이 다시 한번 살펴볼 타이밍일 수 있습니다.

Over the past few years, finding the right home has often felt nearly impossible.With limited inventory and intense competition, buyers were forced to make tough choices — often settling for homes that didn’t meet all their needs. But things are starting to change. A Nationwide Rise in Listings According to recent data from Realtor.com , housing inventory is on the rise across the United States.All four major U.S. regions have seen year-over-year listing increases of at least  19% ,with the  Western region  leading the way — showing a nearly  41%  surge in available homes. So, what’s behind the boost in listings? Two main factors: Sellers are re-entering the market. Many homeowners who had delayed selling — hoping for lower interest rates — are now deciding they can’t wait any longer. In fact, this May saw more new listings than any May in the past three years. Homes are taking longer to sell. With properties staying on the market longer, total inventory has naturally increased. For example, in May, the average time on market reached  51 days , a pace closer to pre-pandemic norms. As a result,  buyers now have more choices , and experts agree the market is gradually moving toward a healthier balance.Danielle Hale, Chief Economist at Realtor.com , notes: “Inventory is growing in many markets, giving buyers more options for the first time in years and signaling a shift toward a more balanced market.” Not All Markets Are Recovering Equally That said, recovery isn’t uniform across all areas.Some markets have returned to pre-pandemic inventory levels,while others still fall short of historic averages. Another Realtor.com analysis shows that when compared to the 2017–2019 “normal” market,some regions have made a full comeback, while others are still catching up. So, What About Your Local Market? While national trends are helpful,  what really matters is what’s happening in your target neighborhood .Real estate is hyper-local, and inventory levels can vary widely by area. If you’re considering buying a home, it’s crucial to connect with a trusted real estate professionalwho understands your local market.They can provide insight into how much inventory has actually increased,what kinds of homes are available, and how to craft a strategy that fits your situation. In Summary Housing inventory is rising across the country,and the market is slowly shifting in favor of buyers.However, because every region is recovering at its own pace,working with a local expert is key to making informed decisions. If you’ve been struggling to find the right home, this could be the moment to start looking again  — with fresh options and more negotiating power on your side.

호숫가 집, 한 번쯤은 꿈꿔보셨죠? 매일 휴가 온 듯한 기분으로 사는 삶, 상상만 해도 기분이 좋아집니다. 은퇴를 앞두신 분이든, 조용한 자연 속 내 집 마련을 꿈꾸는 분이든, 혹은 부동산 포트폴리오를 다양화하려는 투자자든, 호숫가 주택은 눈여겨볼 가치가 있습니다. 그렇다면 호숫가 부동산을 구매하려면 어떤 점들을 고려해야 할까요? 함께 살펴보시죠. 호숫가 집, 어떻게 찾아야 할까요? 호숫가 집을 고려하신다면, 가장 먼저 해야 할 일은 어떤 지역의 호숫가가 본인에게 맞는지를 파악하는 것입니다. Lake Homes Realty와 Beach Homes Realty의 CEO 글렌 필립스는 시장을 직접 경험해보는 것이 중요하다고 조언합니다. 그는 해당 지역을 여러 번 방문해 보고, 계절에 따라 어떤 변화가 있는지 느껴보라고 이야기합니다. 예를 들어, 어떤 호수는 1년 내내 수위가 일정하지만, 다른 호수는 겨울이면 수위가 낮아지기도 합니다. 어떤 환경이 본인의 라이프스타일에 맞는지 판단하는 것이 중요합니다. 또 하나 고려해야 할 것은 HOA(주택 소유자 협회)입니다. 일부 호숫가 커뮤니티는 HOA가 있어 별도의 관리비가 청구됩니다. 이 추가 비용이 본인에게 감당 가능한지 따져보셔야 합니다. 예산과 원하는 조건이 정해졌다면, 해당 지역에서 호숫가 거래 경험이 풍부한 부동산 전문가와 함께하는 것이 좋습니다. 온라인으로도 호숫가 매물을 검색해보실 수 있습니다. 빈 땅에 짓고 싶다면? 기존 주택이 아닌 빈 땅을 구매해 직접 짓고 싶은 분들도 계실 겁니다. 필립스는 기존 주택과 토지를 비교하며, 빈 땅은 미지수가 많기 때문에 신중함이 필요하다고 설명합니다. 예를 들어, 기존 호숫가 주택은 이미 하수처리 문제, 호수 접근성, 해안선 문제 등이 어느 정도 해결돼 있지만, 빈 땅은 이런 부분을 처음부터 확인하고 결정해야 합니다. 시간이 더 걸릴 수 있다는 점을 염두에 두셔야 합니다. 호숫가 생활의 현실은? 물가에 사는 가장 큰 장점은 바로 '여유로움과 즐거움'입니다. 자연과 함께하는 생활은 힐링이 되고, 대부분의 호숫가 커뮤니티는 부동산 가치도 잘 유지되는 편입니다. 하지만 단점도 있습니다. 물 근처에 있는 집은 더 많은 유지보수가 필요하고, 그만큼 시간과 비용이 들 수 있습니다. 게다가 해당 지역의 규정이나 특별한 관리 조항이 있을 수도 있으니 이를 반드시 확인해야 합니다. 또한, 호숫가 주택을 판매할 때는 잠재 구매자가 해당 지역에 살지 않을 가능성이 높아, 마케팅과 매매 과정이 더 길어질 수 있습니다. 실제로 필립스는 이런 물건은 꼭 사야 하는 경우가 아니기 때문에, 구매자들이 오랫동안 매물을 지켜보며 신중하게 결정한다고 이야기합니다. 그리고 기후 변화 역시 물가 주택에 영향을 줄 수 있는 요소입니다. 특히 노스캐롤라이나처럼 기후변화로 인한 영향을 받을 수 있는 지역은 더욱 조심해야 합니다. 호숫가 주택의 수익성은? 희소성과 수요 덕분에 호숫가 주택은 장기적으로 봤을 때 높은 가치 상승을 기대할 수 있습니다. 자기 거주용이든, 투자용이든, 적절한 가격에 잘 구매한다면 충분히 좋은 투자처가 될 수 있습니다. 필립스는 팬데믹 당시 호숫가 주택이 급격하게 거래되며 비싼 가격에 팔렸지만, 이런 매물들은 지금 다시 팔 경우 원가에 가까운 수준으로 거래될 가능성이 높다고 설명합니다. 투자 수익을 극대화하려면 숙련된 컨트랙터와 함께 유지관리를 잘 해야 하고, 도크, 수영장, 온수 욕조, 야외 주방 등 다양한 편의시설을 더해 부가가치를 높이는 것도 좋은 전략이 될 수 있습니다. 결론 호숫가 주택은 단순한 집 이상의 의미를 가질 수 있습니다. 안정적인 거주 공간이자 장기적으로 가치를 더할 수 있는 투자처입니다. 하지만 그만큼 꼼꼼한 계획과 지역 이해, 그리고 철저한 준비가 필요합니다. 호숫가에서의 삶을 진지하게 고민하고 계시다면, 경험 많은 전문가와 함께 첫걸음을 내딛어 보시길 권합니다.

Have you ever dreamed of living in a lakefront house? A life where every day feels like a vacation—just imagining it already brings a sense of joy. Whether you’re approaching retirement, dreaming of a quiet life in nature, or looking to diversify your real estate portfolio, lakefront properties are worth considering. So, what should you consider when buying lakefront real estate? Let’s take a look. How to Find a Lakefront Home If you're thinking about a lakefront home, the first step is to determine which lakefront areas suit your needs. Glen Phillips, CEO of Lake Homes Realty and Beach Homes Realty, advises that experiencing the market firsthand is key. He recommends visiting the area several times and seeing how it changes with the seasons. For example, some lakes maintain a constant water level year-round, while others may experience lower water levels in the winter. It’s essential to assess which environment aligns with your lifestyle. Another important factor to consider is the  Homeowners Association (HOA) . Some lakefront communities have an HOA, which may charge additional fees for maintenance and services. You’ll need to decide if these extra costs are manageable for you. Once you’ve defined your budget and desired features, it’s best to work with a real estate expert who has experience with lakefront properties in that area. You can also search online for lakefront listings. Interested in Buying Land to Build? If you're interested in purchasing land rather than an existing home to build your own, Phillips explains that land comes with more unknowns and requires careful consideration. Unlike existing lakefront homes, which already have resolved issues like sewage, lake access, and shoreline conditions, vacant land requires you to assess these aspects from scratch. It may take longer to complete the process, so keep that in mind. The Realities of Lakefront Living The biggest advantage of living near water is the “peace and enjoyment” it brings. Life surrounded by nature is healing, and most lakefront communities tend to maintain strong real estate value. However, there are some drawbacks. Homes by the water require more maintenance, which can be time-consuming and costly. Additionally, it’s crucial to check for specific regulations or management provisions for the area before purchasing. Furthermore, when selling a lakefront home, potential buyers may not be local, which could lengthen the marketing and sales process. Phillips notes that these properties aren’t something buyers feel they must purchase immediately, so they often take more time to make decisions. Climate change can also affect lakefront properties, particularly in regions like North Carolina, where environmental changes might impact these areas more significantly. Profitability of Lakefront Homes Due to their rarity and demand, lakefront homes can see significant long-term value appreciation. Whether for personal residence or investment, buying at the right price can make for a good investment opportunity. Phillips explains that during the pandemic, lakefront homes were rapidly sold at high prices, but these properties might sell closer to their original cost if resold now. To maximize investment returns, it’s important to work with skilled contractors for proper maintenance. Adding amenities like docks, pools, hot tubs, and outdoor kitchens can also increase the property’s value. Conclusion Lakefront homes can mean more than just a place to live—they can be a stable residence and a long-term investment. However, they require careful planning, understanding of the area, and thorough preparation. If you are seriously considering life on the lake, it’s best to take the first step with an experienced professional by your side.

처음 집을 사려고 준비하시는 분들께는 요즘 시장이 결코 쉬워 보이지 않을 수 있습니다. 치솟은 집값, 높아진 이자율, 그리고 다운페이먼트 부담까지… 여러 장벽이 앞에 놓여 있는 듯한 느낌이 들 수 있습니다. 하지만 알고 보면  첫 주택 구매자를 위한 다양한 프로그램과 대출 옵션 이 준비되어 있고, 그 중에서도 특히 많은 분들에게 실질적인 도움이 되는 것이 바로  FHA 대출 (Federal Housing Administration Loan) 입니다. 요즘 내 집 마련이 어려운 이유 많은 분들이 여전히 ‘내 집’에 대한 꿈을 갖고 계시지만, 현실적인 고민도 큽니다. 최근 한 설문조사(1000WATT)에 따르면,  첫 주택 구매자들이 가장 걱정하는 두 가지는  다음과 같습니다: 다운페이먼트 마련이 어렵다 높은 이자율과 집값 때문에 월 납입금이 부담된다 이럴 때 FHA 대출이  현실적인 해결책이 될 수 있습니다. FHA 대출이란 무엇인가요? FHA 대출은 미국 주택도시개발부(HUD) 산하의 연방기관에서 보증하는 주택담보대출로, 특히 첫 구매자나 신용점수가 높지 않은 분들을 위해 만들어진 프로그램 입니다. ICE(Intercontinental Exchange)의 자료에 따르면,FHA 대출을 이용한 첫 주택 구매자는  평균 $16,000의 다운페이먼트 로 집을 사고 있습니다.이는 일반적인 콘벤셔널 대출 평균 다운페이먼트인  $77,000보다 훨씬 낮은 수준 입니다. 즉,  FHA 대출을 사용하면 초기 자금 부담이 크게 줄어들 수 있습니다. 낮은 이자율도 큰 장점입니다 FHA 대출은 다운페이먼트 외에도  이자율 측면에서도 이점이 있습니다. 금융 정보 사이트 Bankrate에 따르면, FHA 대출은  일반 대출보다 이자율이 비슷하거나 다소 낮은 경우가 많다 고 합니다. 즉, 월 납입금 부담도 줄일 수 있는 가능성이 있다는 뜻입니다. 지금 내 상황에 맞을까? 내가 FHA 대출을 받을 수 있는지, 혹은 어떤 대출 방식이 가장 나에게 유리한지에 대해서는 믿을 수 있는 대출 전문가와 상담해보시는 것이 가장 좋습니다. 요즘은 다양한 모기지 상품이 존재하기 때문에,전문가가 여러 옵션을 비교하고 가장 현실적인 대안을 제시해줄 수 있습니다. 마무리하며 처음 집을 사는 과정은 복잡하게 느껴질 수 있습니다.하지만  올바른 대출 옵션과 믿을 수 있는 전문가의 안내가 있다면 ,생각보다 빠르게 내 집을 마련하는 길이 열릴 수 있습니다. 혹시 지금, 전세나 월세에서 벗어나  진짜 ‘내 집’을 원하고 계신가요? 그렇다면 지금이 바로 FHA 대출을 알아볼 때입니다. 📞 내 집 마련, 지금부터 시작하세요: ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

If you're preparing to buy your first home, today’s market might feel anything but easy.Soaring home prices, high interest rates, and the burden of a down payment can all feel like major roadblocks.But here’s the good news: there are various programs and loan options specifically designed for first-time homebuyers. One of the most practical and popular solutions is the  FHA Loan (Federal Housing Administration Loan). Why It’s So Hard to Buy a Home Right Now Many people still dream of owning a home, but the financial challenges are real.According to a recent 1000WATT survey, the top two concerns for first-time homebuyers are: Difficulty saving for a down payment High interest rates and home prices leading to unaffordable monthly payments That’s where the FHA loan can be a game-changer. What Is an FHA Loan? FHA loans are government-backed mortgages insured by the U.S. Department of Housing and Urban Development (HUD).They’re especially helpful for first-time buyers or those with lower credit scores. According to data from ICE (Intercontinental Exchange), the average down payment for buyers using an FHA loan is about  $16,000 ,compared to  $77,000  for conventional loans.That’s a significant reduction in upfront costs. Lower Interest Rates Are a Big Plus Beyond the low down payment, FHA loans often come with competitive interest rates. According to financial site  Bankrate , FHA loan rates are often equal to or lower than those of conventional loans. This can make monthly payments much more manageable. Is an FHA Loan Right for You? The best way to find out which mortgage option fits your situation is to talk to a trusted loan expert. With so many mortgage products available today, a professional can help you compare options and guide you toward the most realistic solution. In Conclusion Buying your first home may feel overwhelming. But with the right loan and expert guidance, you could become a homeowner sooner than you think. Still renting or leasing but dreaming of a place to call your own? Now might be the perfect time to explore what FHA loans can offer. 📞  Start Your Homeownership Journey Today: Hans Chul Han at Chicago Realty Group 📱 773-717-2227 | 📧  ChicagoBDB@gmail.com

요즘처럼 선택지가 많아진 시장에서는, 셀러분들께서 집을 조금 더 의도적으로 잘 준비해야 할 필요가 있다. 그중에서도 '홈 스테이징(Home Staging)'은 집을 매력적으로 보이게 하는 데 큰 도움이 되는 방법이다. 홈 스테이징이란 단순히 집을 잡지 화보처럼 꾸미는 것이 아니다. 바이어가 그 공간에서 살아가는 모습을 자연스럽게 상상할 수 있도록, 깔끔하고 따뜻하며 입주 준비가 된 느낌을 주는 데 목적이 있다. 스테이징은 아주 간단한 손질에서부터 전문적인 연출까지 다양한 수준이 있다. 예산과 상황에 따라 적절하게 조율할 수 있으며, 시간과 약간의 비용을 들여서라도 스테이징에 신경 쓰면 집이 훨씬 빠르고 좋은 가격에 팔릴 가능성이 높아진다. 전미부동산협회(NAR)의 조사에 따르면, 스테이징된 집은 스테이징되지 않은 집보다 더 빨리 팔리고, 더 높은 가격을 받을 가능성이 높다고 보고되었다. 어느 공간을 스테이징하는 것이 가장 효과적일까? 다행히도 집 전체를 꾸밀 필요는 없다. 바이어 에이전트들이 가장 중요하게 여기는 공간은 다음과 같다: 거실, 안방, 그리고 부엌이다. 이 세 곳은 바이어들이 집을 보면서 가장 오래 머무는 공간이며, 첫인상에 큰 영향을 주는 곳이다. 그래서 이 세 공간만이라도 신경 써서 정리하고 연출해두면 집의 전반적인 이미지가 크게 좋아질 수 있다. 좋은 에이전트는 스테이징의 전략가가 되어준다 경험 많은 지역 에이전트는 바이어들이 집을 보며 어떤 피드백을 주는지 잘 알고 있다. 그 정보에 기반해 셀러의 집에서 어떤 부분이 개선되면 좋을지 구체적인 조언을 해준다. 예를 들어 다음과 같은 부분이다: 가족사진이나 개인 소지품 등은 정리하고, 중립적인 분위기로 연출하기 가구 배치를 바꿔 공간이 더 넓고 트이게 보이도록 조정 화분을 놓거나, 예술작품이나 장식품의 위치를 바꿔 공간에 활기를 주기 이런 간단한 조언만으로도 많은 바이어의 관심을 끌 수 있다. 하지만 집이 비어있거나, 현재의 상태로는 매력도가 부족하다고 판단될 경우에는 전문 스테이징 업체의 도움을 받는 것도 방법이다. 물론 이 경우엔 비용이 다소 발생한다. NAR에 따르면 셀러의 에이전트가 직접 스테이징한 경우의 중간 비용은 $500이었고, 전문 서비스를 활용한 경우는 $1,500 수준이었다고 한다. 에이전트는 집의 가격대, 현재의 상태, 주변 매물들의 상황, 판매 희망 일정 등을 종합적으로 고려해 어떤 수준의 스테이징이 가장 효과적일지 판단해줄 수 있다. 마무리 홈 스테이징은 결코 부담스럽거나 과도한 작업일 필요는 없다. 중요한 것은 바이어들이 집을 봤을 때 '여기서 살고 싶다'는 감정을 느끼게 만드는 것이다. 그런 감정을 이끌어내기 위해, 여러분의 집이 시장에서 돋보일 수 있도록 믿을 수 있는 에이전트와 함께 현명한 전략을 세워보시길 바란다.

In today’s market—where buyers have more choices than ever—sellers need to be more intentional about how they prepare their homes for sale. One of the most effective tools in making a property stand out is  home staging . But home staging isn’t about decorating your house like a magazine spread. It’s about helping buyers  visualize themselves living in the space . A clean, warm, move-in-ready feel can go a long way in creating that emotional connection. Staging can range from simple touch-ups to full-scale professional design, depending on your budget and timeline. Even a small investment of time and money can make a big difference. According to the  National Association of Realtors (NAR) , staged homes tend to sell faster and for a higher price compared to unstaged homes. Which Spaces Matter Most? The good news is, you don’t have to stage the entire house. Buyer agents say the three most important areas to focus on are: Living Room Primary Bedroom Kitchen These are the spaces where buyers tend to linger the longest—and where first impressions are often made. By decluttering and staging just these rooms, you can elevate the overall perception of your home. A Good Agent is Your Staging Strategist Experienced local agents know what kind of feedback buyers give during showings. That insight allows them to give sellers specific, practical advice. For example: Remove personal items like family photos to create a more neutral atmosphere Rearrange furniture to make the space look larger and more open Add plants, adjust artwork, or reposition decorative items to bring warmth and energy Even these simple changes can significantly boost buyer interest. If the home is vacant or lacks appeal in its current condition, it may be worth bringing in a professional stager. While this involves some cost, it can pay off. NAR reports that the median cost for agent-led staging is around  $500 , while professional staging services average around  $1,500 . Your agent can help you evaluate what level of staging makes the most sense based on your home’s price point, current condition, competing listings, and desired timeline for selling. In Closing Home staging doesn’t have to be expensive or overwhelming. What matters most is evoking that emotional response in buyers—the feeling of  “I want to live here.” To make that happen, partner with a trusted agent who can help you develop a smart, tailored staging plan. Before you list your home, take a moment to walk through it from a buyer’s perspective. You might be surprised how small changes can make a big difference.

요즘 바이어들 사이에서 가장 흔한 질문 중 하나는 “이자율이 예전처럼 3%대로 다시 떨어질까요?”  입니다. 이 질문은 많은 분들이  집을 사는 시기 를 결정할 때아직도 2020~2021년의 초저금리 시절을 기준점으로 삼고 있다는 사실을 보여줍니다. 하지만 현실은 다릅니다.그때의 3%대 금리는  특수한 상황 속에서 한시적으로 주어진 혜택 이었고,지금은  경제가 완전히 다른 국면에 진입 했습니다. 3%대 이자율은 예외적인 순간이었습니다 2020~2021년, 팬데믹 한복판에서 미국 정부와 연준은경기 부양을 위해 역사상 유례없는 저금리 정책을 시행했습니다.그 결과, 모기지 이자율은 일시적으로 3% 안팎까지 떨어졌습니다. 하지만 현재 미국 경제는 성장세를 보이고 있고,인플레이션과 고용지표 또한 과거와 다른 흐름을 보이고 있습니다. 그래서 전문가들은  이자율이 중·단기적으로 3%대로 다시 돌아갈 가능성은 매우 낮다 고 보고 있습니다.Zillow의 수석 이코노미스트 Kara Ng는 예상치 못한 경제 충격이 없다면, 올해 말 이자율은 6% 중반대로 안정될 가능성이 높다 고 전망했습니다. 계속 기다리는 동안 놓치는 기회들 많은 바이어들이  이자율이 떨어지기만을 기다리며 집 구매를 미루고  있지만,이런 전략은 되레  더 큰 손실을 초래할 수 있습니다. 왜냐하면: 이자율이 떨어지면 바이어 경쟁이 다시 치열해질 가능성이 높고 집값과 렌트비는 계속 오르고 있으며 시장에 매물은 늘어나고 있지만, 바이어가 다시 몰리면 이 기회는 금세 사라질 수 있기 때문입니다. Realtor.com은 이에 대해 이자율 하락을 기다리느라 시장에 진입하지 못하면, 결국 더 높은 집값과 경쟁, 인플레이션의 영향을 받을 수 있다 고 조언했습니다. 지금 필요한 건 ‘기다림’이 아니라 ‘계획’입니다 지금은  시장을 피할 시기 가 아니라, 현실에 맞는 전략을 세워 실행에 옮길 시기 입니다. 우선 바이어 여러분이 하실 수 있는 일은 다음과 같습니다: 현재  예산과 월 납입액  점검하기 크레딧 점수 개선 을 위한 준비 모기지 옵션 및 다운페이 보조 프로그램  확인 경험 있는 부동산 에이전트 및 렌더와의 상담 을 통한 전략 세우기 특히 시카고와 일리노이 지역은 타 대도시 대비  상대적으로 집값이 안정적이고 매물 선택폭이 넓어지고 있는 상황 이라, 지금 같은 시장에서 계획적으로 움직이는 바이어 가 향후 더 유리한 고지를 점할 수 있습니다. 마무리 3%대 모기지 이자율은  예외적인 상황에서 주어진 선물 이었습니다.이제는 현실적인 시각으로  현재 시장에 맞는 전략을 세우는 것 이 중요합니다. 지금의 이자율도 장기적으로 보면 나쁘지 않은 조건이며,경쟁이 덜할 때 움직이는 바이어가 결국  더 좋은 집과 조건 을 확보하게 됩니다. 집을 사고 싶다면, 기다리지 말고 계획부터 세워보시기 바랍니다. 현명한 바이어는 ‘시장을 기다리는 사람’이 아니라,‘시장에 먼저 움직이는 사람’입니다. 시카고 및 일리노이 지역에서 내 집 마련, 지금부터 함께 준비하실 수 있습니다. 📞 시카고 복덕방 한상철 773-717-2227 📧  ChicagoBDB@gmail.com

One of the most common questions among homebuyers today is: “Will mortgage rates ever drop back to the 3% range?” This question reveals that many people are still using the ultra-low interest rates of 2020–2021 as their benchmark when deciding whether it’s the right time to buy a home. But the reality is quite different. 3% Rates Were a Historical Exception During the height of the pandemic, the U.S. government and Federal Reserve rolled out unprecedented stimulus measures. One result was mortgage rates dipping to around 3%—a rare and temporary phenomenon. Today, however, we’re in a completely different economic environment. The U.S. economy is showing steady growth, and both inflation and employment trends have shifted significantly. As a result, experts agree that a return to the 3% range is highly unlikely in the near or mid-term. Kara Ng, Chief Economist at Zillow, predicts that—barring any major economic shocks—mortgage rates will likely stabilize around the  mid-6% range by the end of this year . Opportunities You May Miss While Waiting Many potential buyers are choosing to “wait it out,” hoping for lower rates. But this strategy could backfire: If rates drop,  competition among buyers will spike again Home prices and rents are already on the rise Although more listings are hitting the market now,  those opportunities may vanish quickly once buyer demand returns According to Realtor.com , delaying a purchase in hopes of falling rates could mean facing  higher prices, more bidding wars, and greater financial pressure  down the road. What You Need Now Is a Plan—Not More Waiting This is not the time to avoid the market—it’s the time to enter it with  a smart, realistic plan . Here’s what you can do: Review your budget and assess your  monthly payment comfort level Work on improving your credit score Explore  mortgage options and down payment assistance programs Connect with a trusted  real estate agent and lender  to develop a tailored strategy Especially in the  Chicago and Illinois areas , where home prices remain relatively stable compared to other major cities, smart and prepared buyers have a real advantage. Bottom Line The 3% mortgage era was a gift brought by extraordinary circumstances. Now it’s time to move forward with a clear-eyed view of today’s market. Today’s rates are still historically reasonable—and acting  before the competition heats up again  could be your smartest move. If you’re thinking about buying a home, don’t wait for the perfect rate. Start building your plan. In today’s market,  successful buyers aren’t the ones who wait—they’re the ones who move early and wisely. Let’s start planning together for your homeownership journey in  Chicago or Illinois  today. 📞 Hans Chul Han – Chicago BDB 📧  ChicagoBDB@gmail.com 📱 773-717-2227

요즘 부동산 관련 뉴스를 보면, 불안감을 자극하는 헤드라인이 넘쳐납니다.집값은   다시   오를까 ? 이자율은   언제쯤   내려갈까 ? 혹시   부동산   시장이   붕괴되는   건   아닐까 ? 이런 기사들을 계속 보다 보면, 지금 집을 사는 것이 과연 옳은 결정일까? 하는 의문이 드는 것도 당연합니다. 하지만 한 가지, 뉴스에서 충분히 조명하지 않는 사실이 있습니다. 부동산은 언제나 ‘장기전’이라는 점 입니다. 12년 연속, 부동산은 '미국인이 뽑은 최고의 장기 투자' 최근 발표된 갤럽(Gallup)의 연례 조사에 따르면, 부동산은 12년 연속 '미국 최고의 장기 투자처'로 뽑혔습니다. 이는 금, 주식, 채권을 모두 제친 결과입니다.특히 올해는 4월에 주식과 채권 시장이 요동쳤던 시기였기에 이 결과가 더 주목받고 있습니다. 갤럽은 이렇게 설명합니다. "주식과 채권 시장의 변동성 속에서도 부동산에 대한 선호는 여전히 가장 높게 나타났다. 금에 대한 관심이 소폭 상승했지만, 부동산은 12년 연속 1위를 유지했다." 이 결과는 단순한 여론이 아니라,  부동산의 안정성과 가치 상승 가능성 을 뒷받침하는 중요한 지표입니다. 단기적인 뉴스보다, 장기적인 흐름에 주목해야 합니다 물론 최근 몇 달간 일부 지역에서는  집값 상승세가 다소 완만해졌고 ,앞으로도  일부 마켓에서는 가격이 잠시 보합세를 보일 수 있습니다 . 하지만 부동산 시장은 항상  단기보다는 장기적인 시각으로 접근해야  합니다. 시카고 및 일리노이 지역만 보더라도, 팬데믹 이후 집값은 꾸준히 상승해 왔으며장기 보유 시 자산 가치가 누적된다는 점에서 여전히 매력적인 투자처로 평가받고 있습니다. 부동산은 ‘자산’이자 ‘가정의 기반’입니다 First American의 수석 이코노미스트 Sam Williamson은 이렇게 말합니다. 주택은 단순한 거주 공간이 아니라, 많은 가정에 있어 가장 중요한 재정적 자산이며 장기적인 부를 쌓는 기반이 된다 고 강조합니다. 그 말처럼, 부동산은 단기적인 수익보다 안정적인 가치 상승과 세대 간 자산 축적이라는 강력한 장점을 지닌 투자처 입니다. 지금이 좋은 시점일까요? 이자율이 높고 시장이 변화하고 있는 시기이기에 불안하실 수 있습니다.하지만 전문가와 함께 전략적으로 접근한다면, 지금도 충분히 유리한 조건에서 내 집 마련이 가능합니다. 예를 들어 일부 지역에서는 셀러가 크레딧을 제공하거나 가격을 조정하는 사례도 늘고 있고,시카고 지역에서도  상대적으로 경쟁이 덜한 시기에 좋은 조건으로 주택을 구매하려는 바이어 들이 움직이고 있습니다. 마무리 부동산은 단기적 이익이 아닌 장기적인 자산 형성을 위한 투자입니다. 지금 시장이 흔들린다고 해서, 집을   사는   것   자체가   잘못된   결정은   아닙니다. 미국인들은 12년 연속으로  부동산을 최고의 장기 투자처 라고 평가해 왔습니다.당신도 그 긴 흐름 속에서 한 걸음을 내딛어 보시는 건 어떨까요? 시카고 및 일리노이 지역의 내 집 마련, 함께 계획해 드립니다. 전문가와 함께라면 시장의 불확실성 속에서도 길이 보입니다. 📞 시카고 복덕방 한상철 773-717-2227 📧  ChicagoBDB@gmail.com

If you've been reading real estate news lately, you're probably seeing a flood of anxiety-provoking headlines: “Will home prices go back up?”“When will interest rates drop?”“Is the housing market heading for a crash?” With this kind of media coverage, it’s only natural to start questioning: Is now really a good time to buy a home? But here’s one fact that rarely gets the spotlight: Real estate is—and always has been—a long game. 🏆  For 12 Straight Years, Real Estate Has Been Voted America’s Best Long-Term Investment According to Gallup’s latest annual survey,  real estate was ranked the #1 long-term investment by Americans—for the 12th year in a row. It beat out gold, stocks, and bonds— again —even during a volatile April for the financial markets. Gallup reports: “Despite turbulence in stocks and bonds, real estate continues to be the most favored investment. Interest in gold rose slightly, but real estate held strong for the 12th year running.” This isn’t just public opinion—it reflects the  long-term value, stability, and performance  of real estate as an asset class. 🔍  Focus on the Long Term—Not the Short-Term Noise Yes, in some markets, price growth has slowed.Yes, mortgage rates are higher than in recent years.And yes, uncertainty makes headlines. But remember: Real estate is best approached with a long-term perspective. Even in Chicago and across Illinois, home prices have risen steadily post-pandemic. Over time,  equity builds, wealth accumulates, and stability grows —especially when you hold your home over the long run. 🏠  Your Home Is More Than a Place—It’s a Foundation for Wealth As Sam Williamson, chief economist at First American, puts it: “A home isn’t just a place to live—it’s a family’s largest financial asset and a foundation for long-term wealth.” That’s the power of real estate: It’s not about flipping for short-term profit. It’s about  security, appreciation, and multigenerational value. 💡  So, Is Now a Good Time? Yes— with the right strategy and guidance. While higher rates and shifting markets raise questions, there are still excellent opportunities. In some areas, sellers are offering credits or price adjustments. In places like Chicago, buyers are finding  less competition  and  stronger negotiating power. With a knowledgeable agent and a smart plan,  you can still buy well—even now. 🔑  Final Thought Real estate is not a short-term gamble—it’s a long-term investment in your future.And for 12 straight years, Americans have voted it the  most trusted  one. Maybe it’s time to take your first step. 📍 Buying in Chicago or Illinois?Let’s create a smart, personalized plan together. 📞 Han Sangchul – Chicago Realty Expert | 773-717-2227 📧  ChicagoBDB@gmail.com