Search Results

졸리엣(Joliet) 주변 지역에서 대형 산업 및 고용 기회가 늘어나면서, 많은 한인 가족이 주변 도시로의 이주를 고려하고 있습니다. 그중에서도  네이퍼빌(Naperville) 은 학군, 생활 인프라, 자녀 교육 조건 등을 동시에 충족시키는 대표적인 선택지로 자주 이름이 거론됩니다. 저는 네이퍼빌에서  10년 넘게 거주해 왔고, 현재 일리노이 한인 리얼터 중 #1 리얼터로 활동 하며 실제 이주 상담을 많이 진행해 왔습니다. 오늘은  이주 결정에 가장 큰 영향을 주는 요소 들을 중심으로 정리해 드립니다. 1. 인구 구성과 라이프스타일 — 왜 네이퍼빌인지 네이퍼빌은 시카고 서부 교외를 대표하는 도시로, 가족 단위 거주 비율과 자가 주택 소유 비율이 높은 도시입니다. 아이 교육과 커뮤니티 활동 중심의 삶을 원하는 가정이 많으며,  장기간 정착을 목적으로 찾는 수요가 높습니다. 인종·문화적으로도 다양성이 있으며, 한인 커뮤니티 역시 이 지역에서 빠르게 확대되고 있는 추세입니다. 이런 배경은 결국  장기적인 주거 안정성을 높이는 요소 로 작용합니다. 2. 지리적 위치 — 출퇴근과 생활의 균형 네이퍼빌은  I-88, I-355, Route 59  등 주요 고속도로와 가까우며, 시카고 다운타운뿐만 아니라 졸리엣·플레인필드·볼링브룩으로 이동도 비교적 용이합니다.이는 단지 통근 시간 절약의 의미만 있는 것이 아니라,  생활권을 넓게 설계할 수 있는 유연성을 준다는 의미 입니다. 예를 들어 가족은 네이퍼빌 중심에 거주하면서, 부모의 직장은 여러 방향으로 선택지를 갖는 전략이 구현됩니다. 3. 학군 — 자녀 교육의 핵심 네이퍼빌은 크게 두 학군으로 나뉩니다.  Naperville Community Unit School District 203 과  Indian Prairie School District 204 입니다. 이 두 학군은 모두 평가가 매우 높아, 자녀 교육을 중심에 두는 가족들에게 큰 장점이 됩니다. (1) Naperville Community Unit School District 203 이 학군은 전체적으로 상위권 수준으로 알려져 있으며, 초·중·고교 전반에서 균형 잡힌 교육을 제공합니다. 특히 중·고 학습 환경과 대학 준비 과정의 질이 높다는 평가가 많습니다. (turn0search2) District 203의 대표적인 학교 (GreatSchools 기준 8점 이상) Naperville North High School (네이퍼빌 노스 하이, 10/10) 이 학교는 GreatSchools에서 10점 만점을 받으며 학업 성취도와 대학 준비 프로그램에서 높은 평가를 받고 있습니다. AP 과정과 과학·수학·언어 프로그램이 탄탄해 자녀의 대학 진학 준비에 강점이 있습니다. (turn0search22) Naperville Central High School (네이퍼빌 센트럴 하이, 10/10) 이 학교 역시 GreatSchools에서 10점을 받는 우수 학교입니다. 다양한 AP 과목과 교내 활동이 활발하고, 학업 성과와 대학 진학 실적도 견고한 편입니다. (turn0search33) Ranch View Elementary School (랜치 뷰 초등, 8/10) 이 초등학교는 GreatSchools 점수 8점으로 평가되어, 기본 학업 능력과 정규 교육 과정에서 안정적인 성과를 내고 있습니다. 초등 단계에서 학습 환경이 좋다는 점은 자녀 초기 교육에서 중요한 판단 기준입니다. (turn0search12) (2) Indian Prairie School District 204 이 학군은 Naperville 학군과 함께 시카고 교외에서 매우 높은 평가를 받습니다. 특히 고등학교 수준에서  Neuqua Valley High School (노크아 밸리 하이) 이 대표적으로 강점이 있습니다. Neuqua Valley High School (노크아 밸리 하이, 10/10) GreatSchools에서 10점을 받으며, AP 과정, 대학 준비 프로그램, 다양한 비교과 활동으로 높은 평가를 받고 있습니다. 이 학교는 2025년 기준 시카고 메트로 지역에서도 상위권에 랭크되며 자녀 교육 측면에서 매우 강력한 선택지입니다. (turn0search20) 4. 생활 편의시설 — 단지 주거가 아니라 삶의 질 네이퍼빌은 학군만 좋은 것이 아니라,  생활 편의 시설과 여가 인프라 가 출중합니다. 다운타운 네이퍼빌 지역의 식당·카페·쇼핑 거리 공원과 강변 산책로 문화 시설과 커뮤니티 센터 병원, 쇼핑 센터, 금융·서비스 시설 이 모든 인프라가 도보 또는 단거리 이동으로 접근할 수 있는 범위에 있어,  실제 거주하면서 느끼는 만족도가 높은 편 입니다.이런 요소는 특히 자녀가 있는 가정에서 단순   가격   대비   삶의   질을 결정하는 중요한 기준으로 작용합니다. 5. 부동산 시장 트렌드 — 전략이 필요합니다 네이퍼빌의 주택 시장은 단기 급등·급락을 반복하는 곳이 아니라,  장기적으로 안정된 수요를 기반으로 움직이는 시장 입니다.이는 곧,  준비를 먼저 한 바이어가 유리한 시장 이란 의미입니다. 특히 올해처럼 졸리엣 권역에서 신규 고용 기회가 예상될 때는, 뉴스가   확산돼   가격이   오르기   전에 기준을 잡아두는 것이 중요합니다. 셀러 관점에서도,  사진·컨디션·마케팅 준비 가 시장 반응을 크게 좌우하기 때문에 단순히 매물만 내놓는 전략보다는 타깃   바이어를   고려한   마케팅이 성사율을 높입니다. 결론 — 지금 준비하는 사람이 유리합니다 졸리엣 권역의 산업·고용 확대는 네이퍼빌처럼  기존부터 인기 있었던 지역의 매력도를 다시 한 번 부각 시키는 역할을 할 가능성이 큽니다. 특히  학군, 생활 환경, 장기 안정성 을 중시하는 한인 가족이라면 지금부터 기준을 세워  미리 대비하는 전략 이 가장 현명합니다. 저는 네이퍼빌에서  10년 넘게 거주해 왔고 , 현재 일리노이 한인 리얼터 중  #1 리얼터 로서 많은 이주 상담과 거래를 진행해 왔습니다.네이퍼빌 이주를 실제로 계획하고 계시다면,  현실적인 예산 설계, 학군 배정 점검, 통근 계획 까지 함께 상담해 드리겠습니다. 페이스북 문구 네이퍼빌(Naperville, IL)은 졸리엣 권역 출근을 고려하는 한인 가족에게 가장 먼저 언급되는 이주 지역입니다. 학군 중심으로 높은 평가를 받는 학교와 안정적인 주거 환경, 다양한 생활 인프라가 함께 있어 장기 거주 만족도가 높습니다. 이주 전략을 함께 설계해 보시기 바랍니다. 연락:  시카고 복덕방 한상철 773-717-2227,  ChicagoBDB@gmail.com

As large-scale industrial development and job growth expand around  Joliet , many Korean families are looking to relocate to nearby suburbs. Among them,  Naperville  consistently stands out as a top choice—thanks to its  strong school districts, family-oriented lifestyle, and long-term residential stability . I’ve lived in Naperville for over 10 years and, as a leading Korean realtor in Illinois, have helped many families plan and execute successful relocations. Below are the most important factors that influence real relocation decisions. 1) Population & Lifestyle — Why Naperville? Naperville is one of Chicago’s premier western suburbs, known for: High  homeownership  and  family household  ratios A community centered on  education, safety, and long-term settlement Growing  cultural diversity , including a rapidly expanding Korean community These factors contribute to strong neighborhood stability and long-term property value. 2) Location & Commuting — Balance Without Sacrifice Naperville offers excellent regional access via  I-88, I-355, and Route 59 , making commutes manageable to: Downtown Chicago Joliet Plainfield Bolingbrook This isn’t just about saving time—it allows families to live centrally while keeping  multiple job-location options  open. 3) School Districts — A Core Reason Families Choose Naperville Naperville is served by two highly rated districts: Naperville Community Unit School District 203 Known for balanced academics and strong college preparation. Top schools (GreatSchools 8–10): Naperville North High School  — 10/10 Naperville Central High School  — 10/10 Ranch View Elementary School  — 8/10 Indian Prairie School District 204 Equally strong, with a standout high school: Neuqua Valley High School  — 10/10 Renowned for AP offerings, college readiness, and extracurricular depth. For families prioritizing education, these districts are a major draw. 4) Daily Living & Amenities — Quality of Life Matters Naperville offers more than good schools: Downtown Naperville  dining, cafés, and shopping The  Riverwalk , parks, and trails Cultural centers and community programs Major hospitals, retail hubs, and financial services Most amenities are accessible within short drives—or even on foot—boosting everyday satisfaction for families with children. 5) Housing Market Trends — Strategy Makes the Difference Naperville’s market is  stable, not speculative . Demand is long-term and family-driven. Buyers:  Early preparation matters, especially as Joliet-area job growth draws more attention westward. Sellers:  Homes with professional photos, strong condition, and targeted marketing perform significantly better than “list-and-wait” approaches. This is a market where  planning beats timing . Conclusion — Preparation Creates Opportunity Industrial and employment growth near Joliet is likely to  further strengthen demand  in established communities like Naperville. For Korean families focused on  education, lifestyle, and long-term stability , setting criteria and preparing early is the smartest move. I’ve lived in Naperville for over a decade and have guided many families through budgeting, school zoning, and commute planning. If you’re seriously considering Naperville, I’d be glad to help you build a  realistic, data-driven relocation plan . Contact: Sang Chul Han 📞 773-717-2227 ✉️  ChicagoBDB@gmail.com

최근 일주일간 나온 미국 부동산 뉴스를 살펴보면, 전문가나 투자자보다  일반 바이어와 셀러가 직접 체감할 수 있는 변화 들이 눈에 띄기 시작했습니다. 시장이 갑자기 뜨거워졌다고 말하기는 어렵지만,  분명히 방향이 바뀌고 있다는 신호 는 여러 곳에서 동시에 나타나고 있습니다. 오늘은 그중에서도 많은 분들이 공감하고 궁금해할 만한 핵심 포인트를 정리해 드립니다. 1. 집을 보러 오는 사람이 다시 늘어나고 있습니다 최근 발표된 여러 지표를 종합하면,  온라인 주택 검색량과 오픈하우스 방문 수가 동시에 증가 하고 있는 흐름이 확인됩니다. 이는 단순한 클릭 증가가 아니라, 그동안 관망하던 바이어들이 다시 움직이기 시작했다는 신호로 해석됩니다. 금리가 여전히 부담스럽다는 인식은 남아 있지만, 더 이상 기다리기만 해서는 상황이 크게 달라지지 않을 수 있다는 판단을 하는 분들이 늘고 있습니다. 특히 첫 주택 구매자나 자녀 교육, 직장 이동을 이유로 주거 안정이 필요한 가정에서는  지금 시장을 다시 들여다보는 움직임 이 분명해지고 있습니다. 이런 흐름은 셀러에게는  관심 바이어가 다시 생기기 시작했다는 긍정적인 신호 이고, 바이어에게는  경쟁이 완전히 붙기 전의 구간 이라는 점에서 의미가 있습니다. 2. 가격이 급등하지는 않지만, 잘 준비된 집은 빠르게 팔립니다 최근 뉴스에서 공통적으로 언급되는 부분은,  집값이 다시 폭등하는 시장은 아니라는 점 입니다. 그러나 동시에 분명한 사실도 하나 있습니다.바로  가격과 상태, 준비가 잘 된 집은 여전히 빠르게 팔리고 있다 는 점입니다. 특히 최근 일주일간 나온 분석에서는, 적정 가격에 나와 있고 사진·정리·수리 상태가 좋은 매물은  첫 몇 주 안에 오퍼를 받는 비율이 눈에 띄게 높아졌다 는 내용이 반복적으로 언급됩니다. 반대로 과거 기준 가격을 고집하거나 준비가 부족한 매물은 여전히 시장에 오래 남아 있습니다. 이는 지금 시장이 운에 맡기는 시장이 아니라,  전략을 세운 셀러만 결과를 얻는 시장 이라는 뜻입니다. 3. 금리는 큰 변화는 없지만, 심리는 달라지고 있습니다 지난주에도 금리가 급격히 떨어졌다는 뉴스는 없었습니다. 하지만 많은 기사에서 공통적으로 짚는 부분은  소비자 심리가 이전보다 안정되고 있다는 점 입니다. 작년과 올해 초만 해도 금리 불확실성 자체가 가장 큰 부담이었지만, 지금은 금리가 이 수준에서 당분간 움직일 가능성이 높다는 인식이 퍼지고 있습니다. 이로 인해 바이어들은 이제 금리 자체보다  집값, 조건, 생활 안정성 을 더 중요하게 고민하는 단계로 넘어가고 있습니다. 이 변화는 매우 중요합니다. 왜냐하면 시장은 항상  심리가 먼저 움직이고, 거래는 그 다음에 따라오기 때문 입니다. 4. 기다리는 사람과 움직이는 사람의 격차가 벌어지고 있습니다 최근 뉴스에서 자주 언급되는 또 하나의 키워드는  타이밍의 격차 입니다.같은 지역, 같은 가격대에서도 먼저 움직인 바이어는 더 많은 선택지를 보고, 셀러는 더 좋은 조건으로 거래를 마무리하고 있습니다. 반면 조금 더 기다리겠다고 결정한 분들은, 나중에 더 많은 경쟁과 제한된 선택지 속에서 움직여야 할 가능성이 커지고 있습니다. 이는 과거처럼 급등·급락의 문제라기보다는,  정보와 준비의 차이가 결과의 차이로 이어지는 구조 로 시장이 바뀌고 있다는 뜻입니다. 지금 이 시장에서 바이어와 셀러가 생각해봐야 할 점 지금의 미국 부동산 시장은 단순히 좋다 나쁘다로 나눌 수 있는 상황이 아닙니다.대신 다음과 같이 정리할 수 있습니다. 바이어에게는  경쟁이 과열되기 전의 현실적인 기회 구간 입니다. 셀러에게는  아무 준비 없이 기다리면 놓치고, 전략적으로 나오면 성과를 낼 수 있는 시장 입니다. 특히 시카고와 일리노이 지역은 지역별 편차가 큰 만큼,  전국 뉴스보다 로컬 데이터와 전략이 훨씬 중요 해지는 시기입니다. 마무리하며 지난 일주일간의 부동산 뉴스는 한 가지를 분명하게 말해주고 있습니다.시장은 멈춰 있지 않고,  조용히 방향을 틀고 있으며 , 그 흐름을 먼저 읽고 움직이는 사람들이 유리한 위치를 차지하고 있다는 점입니다. 지금이 꼭 모든 사람이 당장 사고팔아야 하는 시점은 아닐 수 있습니다. 하지만  지금 정보를 확인하고, 전략을 점검하고, 준비를 시작해야 할 시점 임은 분명합니다.

Looking at U.S. real estate news from the past week, one thing stands out:the most meaningful changes are no longer just for investors or experts —  everyday buyers and sellers are starting to feel them directly . The market hasn’t suddenly overheated, but multiple signals suggest that  the direction is quietly shifting . Below are the key changes many people are noticing — and wondering about. 1. More People Are Actively Touring Homes Again Recent data shows increases in  online home searches and open house traffic  at the same time.This isn’t just casual browsing — it suggests that buyers who had been waiting on the sidelines are beginning to move again. While mortgage rates still feel high, more buyers are realizing that waiting indefinitely may not bring dramatically better conditions.First-time buyers, families focused on school stability, and those relocating for work are once again seriously looking at the market. For sellers, this means  buyer attention is returning .For buyers, it means this may be  the window before competition fully intensifies . 2. Prices Aren’t Exploding — But Well-Prepared Homes Are Selling Fast One thing most recent articles agree on:we are  not  in a runaway price surge. However, another reality is just as clear: homes that are priced correctly and well prepared are selling quickly. Recent analyses show that listings with: realistic pricing strong photos clean presentation and minor repairs are receiving offers within the first few weeks.Meanwhile, homes priced based on past peak expectations or poorly prepared are sitting longer. This is no longer a “wait and see” market — it’s a market where  strategy determines results . 3. Mortgage Rates Haven’t Changed Much — But Buyer Psychology Has There was no dramatic drop in rates last week.Yet many reports highlight something just as important:  consumer sentiment has stabilized . Earlier, uncertainty itself was the biggest concern.Now , many buyers believe rates may stay around current levels for some time — and are shifting focus from  “waiting for rates”  to evaluating: home prices deal terms long-term lifestyle stability Markets move on psychology first, transactions second.That psychological shift matters. 4. The Gap Between “Waiting” and “Acting” Is Growing A recurring theme in recent coverage is  timing advantage . In the same neighborhoods and price ranges: buyers who act early are seeing more options sellers who prepare early are closing on better terms Those who wait longer may face tighter inventory and stronger competition later.This isn’t about extreme booms or crashes — it’s about  preparedness creating better outcomes . What Buyers and Sellers Should Take Away Right Now Today’s market isn’t simply “good” or “bad.”Instead: For buyers:  this is a realistic opportunity window before competition peaks again. For sellers:  waiting without preparation can mean missed chances, while strategic action can lead to strong results. In  Chicago and across Illinois , where conditions vary block by block,  local data and timing matter more than national headlines . Final Thoughts The past week of real estate news sends one clear message:the market is not frozen. It is  quietly turning . Not everyone needs to buy or sell immediately — but  this is the right time to review plans, reassess strategy, and prepare . Those who understand the shift early tend to be in the strongest position later.

2025년까지 몇 년간 부동산 시장은 많은 분들이 멈춰   섰다는   느낌을 받으실 만큼 거래가 조용했던 시기였습니다. 그런데  2026년을 앞두고 여러 지표와 전망이 조금씩 달라지고 있는 모습 입니다. 단지 “활기가 생긴다”는 막연한 기대가 아니라, 구체적인   변화들이   누적되어   시장에   긍정적인   영향을   줄   조짐이   나타나고   있습니다 . 이 글에서는 올해 말까지 나온 주요 데이터를 바탕으로,  왜 2026년 주택 시장을 낙관적으로 볼 수 있는지 , 그리고  이 흐름을 어떻게 여러분의 거래 전략에 적용할 수 있는지  차분하게 살펴보겠습니다. 1. 더 균형 잡힌 시장으로 변화하고 있음 전문가들이 공통적으로 지적하는 점은, 2026년 시장이 단순한 반등이 아니라  더 균형 잡히고 명확한 방향성을 가지는 국면으로 접어들고 있다는 것입니다. Realtor.com의 수석 경제학자는, 과거 몇 년간 매수자·매도자·임차인 모두에게 쉽지 않았던 시장이 2026년에는 조금   더   건강한   형태로   나아갈   것이라고 평가하고 있습니다. 그리고 미국부동산중개인협회(NAR) 역시  “기회(opportunity)”라는 단어를 가장 많이 사용하는 전망을 내놓으며 ,  모기지 금리가 조금 낮아지고 매물 공급이 늘어나면 선택지가 확대될 것 이라고 언급했습니다. 이처럼 여러 기관의 평가가  공통적으로 시장의 개선 방향을 지적하고 있는 것 은, 단지 기대감이 아니라 현실적인   흐름으로 해석할 수 있습니다. 2. 모기지 금리와 구매 여건의 점진적 개선 최근의 자료를 보면, 미국의  모기지 금리가 이전보다 낮아지는 방향으로 움직이고 있습니다.  한때 7% 가까이 오르며 많은 분들이 주춤했던 것이 사실이지만, 조금씩 안정되는 모습이 여러 지표 상에서 나타나고 있습니다. 이는 매수자에게  실제적인 구매 여건의 개선 을 의미합니다.  물론 금리가 갑자기 크게 떨어진 것은 아니지만, 완만하게   감소하는   추세만으로도 매달 지불해야 할 금액이나 구매 여력에 긍정적인 영향을 줍니다. 많은 전문가들은 이를 “시장 회복의 기반이 되는 신호”로 보고 있습니다.  3. 매물 증가와 선택지 확대 또한 최근에는 매물   공급이   점차   늘어나고   있다는   신호도 보이고 있습니다. 과거에는 주택 보유자들이 낮은 기존 금리 때문에 움직이지 않았지만, 이제는 금리가 안정되면서 이사나   판매를   고민하는   셀러들도   다시   시장에   나올   가능성이   높다는   분석입니다.  매물 공급이 늘어나면 바이어는  더 많은 선택지 가운데 자신에게 맞는 집을 찾을 수 있는 기회 가 커지고, 셀러에게는  적절한 가격대와 전략으로 더 많은 관심을 받을 수 있는 환경 이 됩니다. 이런 균형 움직임은 시장이   다시   활기를   찾는   중요한   신호입니다. 4. 지역별 차이는 있지만 전반적 방향은 긍정적 물론 모든 지역이 동일한 속도로 움직이는 것은 아닙니다. 일부 시장은 가격 상승이 빠르거나 거래가 활발한 반면, 다른 지역은 아직 회복이 더딜 수 있습니다. Bright MLS의 수석 이코노미스트는 이러한 지역별   차이를 강조하면서도,  전국적으로 보면 개선 방향이 명확하다고 평가했습니다.   예를 들어 일부 인기 도시에서는 여전히 가격 상승 압력이 있고, 반대로 안정적인 가격 흐름을 보이는 도시들은 바이어에게는   접근성이   오히려   좋아진   시점이기도 합니다. 이처럼  지역마다 특징이 다른 시장 환경 을 잘 이해하는 것이 매우 중요합니다. 5. 지금 행동할 때입니다 — 변화를 기회로 만드세요 지금처럼 시장이 천천히   방향을   잡아가는   시기일 때에는, 단순히 관망하는 것보다  전략적으로 움직이는 것이 더 큰 결과를 가져옵니다. 매수자라면  선택지가 늘어나는 초기 신호 를 활용해 조건에 맞는 집을 찾아볼 수 있습니다. 셀러라면  가격 안정과 수요 회복의 조짐 을 바탕으로 매물   준비와   노출   전략을 미리 점검할 수 있습니다. 2026년은 단순히 “언젠가 좋아질 날”이 아니라,  지금 구체적으로 준비할 때 미래의 결과로 이어질 수 있는 시기 입니다.

Over the past few years leading into 2025, the housing market felt unusually quiet.High mortgage rates and uncertainty caused many buyers and sellers to pause. As we approach  2026 , however, multiple indicators suggest that the market is beginning to shift — not through sudden excitement, but through  steady, meaningful improvements . These changes point toward a healthier and more balanced housing market ahead. Below is a calm, data-based look at why 2026 is shaping up to be more optimistic — and how you can turn this shift into a smart strategy. 1. The Market Is Moving Toward Better Balance One theme experts consistently agree on is that 2026 won’t be about a dramatic rebound, but rather a  more balanced and stable market . The Chief Economist at  Realtor.com  notes that after several difficult years for buyers, sellers, and renters alike, the market is expected to move into a healthier phase.Similarly, the  National Association of Realtors (NAR)  frequently uses the word  “opportunity”  when describing 2026, pointing to improving mortgage rates and rising inventory that will expand choices for consumers. When multiple institutions share the same outlook, it’s less about hope — and more about a  realistic trend . 2. Gradual Improvement in Mortgage Rates and Buying Conditions Recent data shows that mortgage rates are slowly trending downward from the highs near 7% that discouraged many buyers.While rates haven’t dropped sharply, even  gradual stabilization and modest declines  can meaningfully improve affordability. Lower rates translate into: Lower monthly payments Improved buying power More confidence among buyers Many economists see this trend as a  foundation for market recovery , rather than a short-term fluctuation. 3. Rising Inventory Means More Choice Another encouraging signal is the  gradual increase in housing inventory .Previously, many homeowners stayed put because of ultra-low existing mortgage rates. As rates stabilize, more sellers are becoming open to moving, downsizing, or upgrading. More listings benefit both sides: Buyers  gain more options and flexibility Sellers  can attract attention with the right pricing and preparation This growing balance between supply and demand is a strong indicator of a healthier market environment. 4. Regional Differences Exist — But the Overall Direction Is Positive Not all markets are moving at the same pace. Some areas are experiencing stronger price pressure, while others remain more stable. The Chief Economist at  Bright MLS  emphasizes these regional differences, but also notes that  the national trend points clearly toward improvement . In some high-demand cities, prices may continue rising, while in more stable markets, buyers may find better accessibility and value. Understanding  local market dynamics  is more important than ever. 5. Now Is the Time to Act — Turn Change Into Opportunity Periods of transition are often the best times to act strategically. Buyers  can take advantage of early inventory growth to secure homes that match their needs before competition increases. Sellers  can prepare listings, pricing, and marketing strategies ahead of a more active market. 2026 isn’t just a future promise — it’s a market that rewards  preparation made today . Final Thoughts The 2026 housing market is shaping up to be:✔ More balanced✔ More predictable✔ Richer in opportunity Rather than waiting on the sidelines, now is the moment to understand the trend and plan your next move. If you’re considering buying or selling in  Chicago or the surrounding Illinois areas , let’s review the data and build a strategy that fits your goals. 📞  Sang Chul Han 773-717-2227 ✉️  ChicagoBDB@gmail.com

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 따라야 합니다. 따라서 개인이나 영리 목적의 시도가 대부분 불법으로 분류되는 것입니다. 추첨 대신 더 안전한 대안: 1달러 리스팅 그렇다면 법적 문제를 피하면서도 주목을 끌 수 있는 방법은 무엇일까요? 최근 미국에서는 집을  1달러 리스팅 으로 내놓는 방식이 점점 늘어나고 있습니다. 실제로 1달러에 거래되는 것이 아니라, 사람들의 관심을 모아 입찰 경쟁을 유도하는 전략입니다. Realtor.com 자료에 따르면 2025년 6월 한 달 동안 512건의 주택이 1달러로 리스팅되었으며, 이는 2023년 같은 시기 대비 82.9% 증가한 수치입니다. 이 방식은 온라인에서 화제를 모으고, 구매자들의 발길을 끌어 모아 결국 경쟁 입찰로 이어질 수 있다는 장점이 있습니다. 전통적인 경매와 유사한 구조이기 때문에 법적으로도 안전합니다. 셀러들이 창의적 전략에 나서는 이유 현재 미국 주택 시장은 높은 모기지 금리와 늘어난 매물, 그리고 바이어 피로감으로 인해 과거처럼 집이 빠르게 팔리기가 쉽지 않습니다. 특히 시카고와 같은 대도시 주변 시장에서도 예전의 셀러 우위 상황에서 점차 균형 잡힌 시장으로 옮겨가고 있습니다. 이런 상황 속에서 셀러들은 집을 돋보이게 만들기 위해 더 창의적인 전략을 찾고 있습니다. 단순히 추첨이나 이벤트를 여는 것보다, 1달러 리스팅 같은 안전한 전략이나, 독특한 마케팅 포인트를 활용하는 방법이 실제 거래로 이어질 가능성이 높습니다. 예를 들어 캘리포니아에서는 미니어처 말을 마케팅에 활용해 화제가 된 사례도 있습니다. 이처럼 창의성과 진정성이 결합되면 시장에서 큰 주목을 받을 수 있습니다. 결론: 창의성은 필요하지만 합법성이 우선이다 주택 판매를 위해 창의적인 시도를 하는 것은 분명 효과적입니다. 그러나 법적으로 문제가 생길 수 있는 추첨이나 규제되지 않은 프로모션은 피하는 것이 바람직합니다. 그 대신 합법적이면서도 사람들의 관심을 끌 수 있는 방식—예컨대 1달러 리스팅, 독창적인 마케팅 스토리텔링—을 적극 활용하시길 권해드립니다. 지금과 같이 경쟁이 치열하고 바이어들의 선택지가 늘어난 시기에는 집을 어떻게 포지셔닝하느냐가 성패를 가릅니다. 주택 판매나 구매를 고려하고 계시다면, 단순한 노출을 넘어 실제 계약으로 이어질 수 있는 전략을 전문가와 함께 준비하시길 바랍니다. 시카고 복덕방 한상철  773-717-2227,  ChicagoBDB@gmail.com

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 look like creative marketing, legally they are complex. In most states,  paying money for a chance to win a home is considered a lottery , which is heavily regulated. Some states allow raffles, but usually only by nonprofits and under strict licensing rules. For individuals and for-profit sellers, these schemes are almost always illegal. A Safer Alternative: $1 Listings So what’s the legal way to attract buyers while creating buzz? One popular strategy is the  $1 listing . This doesn’t mean the home actually sells for $1. Instead, it sparks interest and generates competitive bidding. According to Realtor.com , in  June 2025, 512 homes were listed at $1 , an  82.9% increase from June 2023 . This approach: Grabs online attention Brings more buyers into the process Works like a traditional auction, making it legally sound Why Sellers Are Getting Creative High mortgage rates, growing inventory, and buyer fatigue mean homes aren’t selling as fast as they used to. Even in markets like Chicago, where demand is still steady, the balance between buyers and sellers is shifting. That’s why sellers are experimenting with marketing—whether through  $1 listings, creative storytelling, or unique promotional hooks  (for example, a California seller famously used miniature horses to draw attention to their property). Final Thoughts: Creativity + Legality = Success Creative marketing can absolutely help a home stand out. But strategies like raffles often bring legal trouble instead of results. Sellers are better off focusing on  legal, eye-catching methods  like $1 listings or unique marketing campaigns that highlight the property’s story. In today’s competitive market,  positioning is everything —and combining creativity with compliance gives sellers the best chance at a quick, successful sale. 📌  If you’re planning to sell or buy a home, partner with an expert who can build a strategy that leads not just to exposure, but to a signed contract. Chicago BDB | Hansang Chul 📞 773-717-2227 | 📧  ChicagoBDB@gmail.com

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. 실제로 과거 데이터를 보면 1월에 거래가 성사된 주택의 경우, 봄시즌에 비해  평균 약 2~3만 달러가량 더 저렴한 가격 에 마무리된 사례도 있습니다. (turn0view0) 2. 판매자의 동기와 협상 여지 확대 겨울철에는  주택을 진짜로 팔고 싶은 판매자(seller) 들이 시장에 남아 있는 경우가 많습니다. 봄철을 기다리지 않고 겨울에 매물을 유지하거나 등록해 놓은 판매자는  가격·마감조건·수리비용 등 다양한 부분에서 협상 여지가 생기기 쉽습니다.  이렇게  비수기에 집중된 거래에서는 바이어가 더 유리한 조건을 이끌어낼 수 있는 여건 이 마련될 수 있습니다. (turn0view0) 3. 지금의 시장 상황과 조화시키는 전략 현재 미국 모기지 금리는 여전히  6%대 초반 수준 을 유지하고 있기에 큰 폭의 금리 하락은 아니지만, 최근 안정적인 흐름을 보이며 바이어가 실질적인 구매 계획을 세우기 좋은 환경입니다. (turn0news5) 그리고 계절적 패턴이 전통적인 “봄·여름 시즌 정점”으로만 작동하지 않고, 겨울에도  물량과 경쟁 조건이 바뀌고 있는 점이 나타났습니다.  이는 더는 전통적 관점만으로 시장을 판단할 수 없다는 뜻이기도 합니다. (turn0search1) 시카고/일리노이 지역 역시 비수기임에도 거래량이 완전히 멈추지는 않고 있습니다. 특히 인벤토리가 상대적으로 안정된 지역에서는  겨울에도 관심 있는 매물이 꾸준히 소화되고 있으며, 경쟁이 덜한 1월에 계약으로 이어지는 사례 도 늘고 있습니다. 4. 이렇게 준비하세요 — 겨울 구매 전략 1) 예산 계획을 미리 정리하세요 겨울은 경쟁이 적지만, 그렇기 때문에 좋은 매물을 발견하면 빠르게 움직여야 합니다. 사전에  예산과 대출 한도, 마감 조건  등을 분명히 정리해 놓는 것이 중요합니다. 2) 우선순위 리스트를 만들되 유연하게 접근하세요 완벽한 집을 기다리기보다는  우선순위 조건(위치·방 수·예산 한도 등) 을 세우되, 비수기에는 일부 조건을 재검토하거나 타협점을 찾는 것이 바이어에게 유리할 수 있습니다. 3) 로컬 에이전트의 전문성을 활용하세요 시카고/일리노이 같은 복합 시장에서는  지역별 움직임이 다양 합니다. 원하는 구역의 인벤토리 변화를 면밀히 체크하고, 매물 나올 때 바로 대응할 수 있도록 준비하는 것이 성공의 핵심입니다. 오늘의 결론 — 1월도 좋은 기회입니다 봄·여름만이 최적의 구매 시기는 아닙니다. 오히려  경쟁이 적고 협상이 쉬운 1월이 예산을 절약하고 더 나은 조건을 이끌어낼 수 있는 중요한 시점 일 수 있습니다. 지금처럼 시장이 안정된 흐름을 보이는 시기에는 언제 움직이느냐가 큰 차이를 만들 수 있습니다. 시장에서 기회를 잡고 싶다면 지금이 바로 움직일 때입니다. 지금 준비하셔서 더 유리한 거래를 이루시길 바랍니다.

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 spring and summer, buyer activity surges and competition intensifies.In contrast,  January typically has fewer active buyers , which means: Fewer bidding wars More room for negotiation Less pressure to overpay Historical data shows that homes purchased in January have often sold for  $20,000–$30,000 less on average  compared to peak spring months. 2. More Motivated Sellers Sellers who list or keep their homes on the market during winter are often  serious about selling .Unlike spring sellers who can “test the market,” winter sellers are more likely to negotiate on: Price Closing costs Repairs Closing timelines This creates a more buyer-friendly environment. 3. How This Aligns With Today’s Market Mortgage rates are currently holding in the  low-6% range  — not dramatically low, but  stable enough  for buyers to plan with confidence. Additionally, market activity is no longer limited to traditional seasonal patterns.Winter no longer means a frozen market — especially in areas with steady inventory. In  Chicago and Illinois , transactions continue even during the off-season, and many buyers are successfully securing homes in January with  less competition than they’d face in spring . How to Prepare for a Smart Winter Purchase 1️⃣ Finalize Your Budget Early When competition is lower, the best opportunities still require  quick action .Know your budget, loan limits, and preferred terms in advance. 2️⃣ Set Priorities — Stay Flexible Define your must-haves (location, price range, bedrooms), but be open to adjusting secondary features.Flexibility often leads to better deals in the winter market. 3️⃣ Work With a Local Expert Markets vary neighborhood by neighborhood.A local agent can monitor inventory closely and help you act quickly when the right opportunity appears. Bottom Line — January Can Be a Powerful Buying Window Spring isn’t the only time to buy a home. In fact,  January’s lower competition and stronger negotiation leverage  can help buyers save money and secure better terms. In a stable market like today’s,  when you buy can matter just as much as what you buy . If you want to take advantage of this window, now is the time to prepare.

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. 시카고 및 일리노이 지역도 마찬가지로 꾸준한 상승세를 보였으며, 특히 교외의 인기 지역은 여전히 셀러마켓을 유지하고 있습니다. 몇 년 전 구매한 주택이라면 현재 가치가 크게 올라있을 가능성이 큽니다. 보유 기간 증가 전미부동산협회(NAR)에 따르면 평균 주택 소유 기간은 약 10년으로 늘어났습니다. 이 기간 동안 꾸준히 모기지 상환을 해온 것만으로도 큰 폭의 에퀴티가 쌓이게 됩니다. 실제로 지난 10년간 평균적으로 주택 소유자들은 단순 가격 상승만으로도 약 20만 달러 이상 부를 축적했다고 분석됩니다. 쌓여온 에퀴티, 어떻게 활용할 수 있을까? 에퀴티는 단순히 장부상의 숫자가 아니라, 다양한 재정적 기회를 열어주는 자산입니다. 차기 주택 구매 : 에퀴티를 다운페이먼트로 활용하거나, 경우에 따라 현금 구매까지 가능해집니다. 주택 리노베이션 : 현재 생활 방식에 맞게 리모델링하고, 장기적으로는 집의 가치까지 높일 수 있습니다. 사업 투자 : 창업이나 새로운 비즈니스 기회를 위한 초기 자본으로 활용할 수도 있습니다. 결론 많은 분들이 집의 가치를 과소평가하거나 확인조차 하지 않고 계십니다. 그러나 주택은 단순한 거주 공간을 넘어, 여러분의 가장 큰 자산이자 재정 계획의 핵심 축입니다. 지금 집의 가치가 얼마나 올랐는지, 내가 보유한 에퀴티가 얼마나 되는지 확인하는 것이 미래의 전략적 결정을 내리는 첫걸음입니다. 집의 현재 가치를 정확히 알고 싶으시다면, 전문가와 상담하여 수치를 검토해 보시길 권해드립니다. 준비된 사람에게 더 큰 기회가 열리기 때문입니다.

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 home prices have risen  about 54% in the past five years . In Chicago and Illinois, suburban markets in particular remain strong seller’s markets, meaning many homeowners have seen substantial gains. Longer Ownership Periods The  National Association of Realtors (NAR)  notes that the average homeowner now stays in their home for about  10 years . With consistent mortgage payments over that period, equity builds steadily. In fact, over the last decade, homeowners on average accumulated  $200,000+ in wealth simply from appreciation and repayment . How Can You Use Your Home Equity? Home equity isn’t just a number on paper—it’s a powerful financial resource: Next Home Purchase : Use equity for a larger down payment or even an all-cash purchase. Home Renovation : Remodel to suit your lifestyle while boosting long-term value. Business Investment : Tap into equity for startup or business growth capital. Final Thoughts Many homeowners underestimate—or never check—the value they’ve built up. But your home is likely your  biggest asset  and a central piece of your financial plan. Knowing your current home value and equity is the  first step to making smarter decisions for the future . 📌  If you’d like to know exactly how much equity you’ve built, connect with a trusted local expert to review the numbers. Prepared homeowners have the best opportunities. Chicago BDB | Hansang Chul 📞 773-717-2227 | 📧  ChicagoBDB@gmail.com