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현재 미국 주택 시장은 단일한 흐름이 아니라 지역별로 다른 양상을 보이고 있습니다. 어떤 주에서는 바이어가 협상력을 갖고 있지만, 다른 주에서는 여전히 셀러가 우위에 서 있습니다. 핵심은  재고(Inventory) ,  가격 변화 ,  시장에 머무는 기간  이 세 가지입니다. 재고가 무대를 결정한다 Realtor.com 자료에 따르면 전반적으로 매물은 늘어나고 있지만, 증가 폭은 지역마다 크게 다릅니다. 매물이 많이 늘어난 지역에서는 바이어가 선택권이 넓어지고 협상력이 강해집니다. 반대로 재고가 여전히 부족한 곳에서는 셀러가 빠른 거래와 유리한 조건을 유지하고 있습니다. 시카고와 일리노이 지역도 마찬가지입니다. 최근 시카고 교외에서는 매물이 늘어나면서 바이어들이 협상에서 조금 더 유리한 상황을 만들 수 있는 반면, 특정 인기 학군 지역에서는 여전히 셀러가 주도권을 쥐고 있습니다. 가격은 재고를 따른다 두 번째 흐름은 주택 가격입니다. 매물이 늘어난 지역에서는 가격이 완만해지거나 소폭 하락하는 경우도 있습니다. 반대로 매물이 부족한 곳에서는 여전히 가격이 오르면서 바이어들이 경쟁해야 하는 상황이 이어지고 있습니다. 일리노이 전역을 보더라도 일부 지역에서는 셀러가 가격을 유지하기 어렵지만, 다운타운 접근성이 좋은 교외 지역이나 신규 개발이 적은 동네는 여전히 높은 가격을 유지하고 있습니다. 시장에 머무는 시간도 같은 이야기를 한다 세 번째 흐름은 매물이 시장에 머무는 기간입니다. 재고가 늘어난 곳은 거래가 오래 걸리고, 바이어 입장에서는 시간을 가지고 선택할 수 있습니다. 반대로 여전히 재고가 부족한 곳은 매물이 금세 팔리며 바이어가 더 신속하게 결정해야 합니다. 시카고 교외에서도 이런 흐름이 뚜렷하게 보입니다. 일부 지역에서는 리스팅이 몇 주씩 머무르지만, 스코키(Skokie), 네이퍼빌(Naperville), 노스브룩(Northbrook) 같은 인기 지역에서는 여전히 빠르게 계약이 체결되는 경우가 많습니다. 결국 중요한 것은 ‘지역 전문가의 시각’ 이처럼 국가 단위 혹은 주 단위의 데이터는 큰 그림을 보여주지만, 실제로 중요한 것은 내가 살고 있는 동네의 상황입니다. 같은 시카고 지역 안에서도 동네마다, 학군마다, 심지어 블록마다 분위기가 다릅니다. 따라서 지금 집을 사거나 팔려는 분들은 반드시  지역 시장을 잘 아는 에이전트 와 함께해야 합니다. 단순히 데이터가 아니라 현장의 흐름을 알고 있는 전문가와 전략을 세우는 것이 거래 성공으로 이어집니다. 결론 미국 주택 시장은 현재 지역별로 다른 흐름을 보이고 있습니다. 어떤 곳에서는 바이어가 우위에 있고, 다른 곳에서는 여전히 셀러가 강세입니다. 지금 내가 속한 시장의 상황을 정확히 알고 움직이려면 전문가의 도움이 필수적입니다. 주택 매매를 고려하고 계시다면, 지금 바로 상담을 통해 본인 동네의 정확한 시장 상황을 확인하시길 권해드립니다. 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

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

Why Buyers Are Re-Entering the Market Over the past few years, many buyers stepped back from the housing market. Home prices rose sharply, mortgage rates climbed, and affordability became a major challenge. But recently, conditions have begun to shift—and this fall may be a good time to take another look. Mortgage Rates Have Eased In May, the 30-year fixed mortgage rate hovered around  7% . Today, it’s closer to  6.3% . That may look like a small change, but the monthly savings are significant. For example: on a $400,000 loan, dropping from 7% to 6.3% reduces the monthly payment by about  $190 , or more than  $2,200 a year . This decline has already encouraged buyers. The  Mortgage Bankers Association (MBA)  reports that purchase applications are up  20% compared to last year , reaching their most active level since 2022. Slowing Home Price Growth Runaway home price increases are also easing.  First American’s chief economist Odeta Kushi  projects that national home price growth will remain in the  single digits  for the rest of 2025, with some markets even seeing slight declines. For buyers, this creates a more predictable and budget-friendly environment. Wages Are Rising Too The  Bureau of Labor Statistics (BLS)  reports wages are rising about  4% annually . According to  NAR’s Lawrence Yun , wage growth is now outpacing home price growth, gradually improving affordability and giving buyers more options. Chicago & Illinois Market Context In Chicago and across Illinois, similar trends are at play. While hot suburban areas still see quick sales, overall buyer activity is increasing thanks to lower rates and higher wages. For first-time buyers, programs from the  Illinois Housing Development Authority (IHDA)  that support down payments and closing costs make this fall even more promising. Final Thoughts According to Redfin, the  typical monthly mortgage payment is now $290 lower than just a few months ago . With mortgage rates easing, price growth slowing, and wages rising, the affordability picture is improving. 📌 If you’ve been waiting on the sidelines, this fall is the right time to re-run the numbers and build a strategy. Prepared buyers are the first to capture opportunities. 👉 Contact:  Chicago BDB | Hansang Chul 📞 773-717-2227 | 📧  ChicagoBDB@gmail.com

지난 몇 년간 많은 바이어들이 주택 구매를 잠시 멈췄습니다. 주택 가격은 급격히 상승했고, 모기지 이자율 또한 크게 뛰면서, 계산이 맞지 않는 상황이 반복되었기 때문입니다. 하지만 최근 들어 시장에 긍정적인 변화가 감지되고 있습니다. 올가을은 다시 시장을 살펴볼 만한 시점이 될 수 있습니다. 모기지 이율 하락이 불러온 변화 올해 5월만 해도 30년 고정 모기지 이율은 약 7%에 달했습니다. 그러나 최근에는 약 6.3% 수준으로 낮아졌습니다. 작은 수치 변화처럼 보일 수 있지만, 실제 월 상환액에는 큰 차이를 가져옵니다. 예를 들어 40만 달러 대출 기준으로, 7%에서 6.3%로 내려가면 매달 약 190달러, 연간으로는 2,200달러 이상 절약할 수 있습니다. 이런 하락세 덕분에 많은 바이어들이 다시 시장으로 돌아오고 있습니다. 모기지 은행가 협회(MBA)에 따르면 최근 주택 구매 신청 건수가 작년 같은 기간 대비 20% 이상 증가하며, 2022년 이후 가장 활발한 수준을 보이고 있습니다. 주택 가격 상승세 둔화 지난 몇 년간 빠르게 치솟던 주택 가격도 이제는 완화 국면에 접어들었습니다. First American의 수석 이코노미스트 오데타 쿠시는 올해 하반기에는 전국적으로 주택 가격 상승률이 한 자릿수의 완만한 수준에 머물 것으로 전망했습니다. 일부 지역에서는 오히려 가격이 소폭 하락한 사례도 나타나고 있습니다. 이는 바이어들에게 예산을 세우고 구매 계획을 수립하는 데 훨씬 유리한 환경을 제공합니다. 임금 상승의 긍정적 효과 미국 노동통계국(BLS)에 따르면 최근 임금 상승률은 연 4%에 달합니다. 전미부동산협회(NAR)의 로렌스 윤 수석 이코노미스트는 임금 상승이 주택 가격 상승을 앞지르고 있어 바이어들에게 선택권이 넓어지고 있다고 분석했습니다. 작은 차이일 수 있지만, 이런 변화가 실제 주택 구매 여력에 긍정적인 영향을 주고 있습니다. 시카고 및 일리노이 시장 맥락 시카고와 일리노이 지역에서도 비슷한 흐름이 나타나고 있습니다. 교외 지역에서는 여전히 인기 있는 주택이 빠르게 거래되는 셀러마켓이 유지되고 있지만, 전체적으로는 이율 하락과 임금 상승 효과로 바이어들의 움직임이 활발해지고 있습니다. 특히 다운페이먼트와 클로징 비용을 지원하는 일리노이 주택금융청(IHDA) 프로그램이 함께 활용된다면, 첫 주택 바이어들에게는 좋은 기회가 될 수 있습니다. 결론 레드핀 자료에 따르면 전형적인 모기지 월 상환액은 불과 몇 달 전보다 약 290달러 줄었습니다. 모기지 이율 하락, 주택 가격 상승세 둔화, 임금 상승이라는 3가지 변화가 맞물리면서 주택 구매 여건이 조금씩 개선되고 있는 것입니다. 만약 그동안 망설이셨다면, 지금이 전문가와 함께 숫자를 다시 계산해 보고 전략을 세울 적기일 수 있습니다. 준비된 분들이 가장 먼저 기회를 잡게 됩니다. 👉 지금 바로 상담해보세요: ‘시카고 복덕방 한상철’ 773-717-2227 |  ChicagoBDB@gmail.com

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

최근 모기지 금리가 올해 들어 가장 낮은 수준으로 내려오면서, 주택 시장에서 중요한 변화가 나타나고 있습니다. 모기지 은행협회(MBA)에 따르면, 금리가 하락한 직후 신규 주택담보대출 신청 건수가 작년 같은 기간 대비 무려 23%나 증가했다고 합니다. 이는 바이어 수요가 올여름 이후 가장 높은 수준으로 되살아나고 있음을 보여줍니다. 금리 하락과 바이어 심리 변화 이번 주 30년 고정 모기지 금리는 6.13%까지 내려갔습니다. 이는 2024년 10월 이후 최저 수준으로, 최근 발표된 고용 지표 부진과 경기 둔화 우려가 연준(Fed)의 금리 인하 가능성을 키우면서 나타난 현상입니다. 시장은 연내 연준이 여러 차례 기준금리를인하할 것으로 예상하고 있고, 이런 기대가 이미 모기지 금리에 반영되고 있는 상황입니다. 바이어들은 작은 금리 변동에도 민감하게 반응합니다. 금리가 조금만 내려가도 월 상환액 부담이 줄어들고, 그만큼 구매 여력이개선되기 때문입니다. 이번 하락은 바이어들의 관망세를 풀어주고 다시 시장으로 발걸음을 옮기게 만드는 촉매제가 되고 있습니다. 셀러에게 주는 기회 만약 올해 초 집을 내놨다가 충분한 관심을 얻지 못해 리스팅을 철회하셨거나, 시장이 조용하다고 판단해 판매를 미루셨다면 지금이 다시 고려해볼 시점입니다. 바이어 수요가 살아나고 있는 지금, 다른 셀러들이 아직 시장 변화를 체감하기 전 먼저 움직이면경쟁자보다 유리한 고지를 선점할 수 있습니다. 반대로 너무 오래 기다리면 바이어가 늘어나는 동시에 셀러도 함께 증가할 수 있습니다. 그러면 경쟁이 심화되어 원하는 가격이나 조건을 놓칠 가능성이 커집니다. 전략적 접근이 필요합니다 지금은 단순히 집을 내놓는 것만으로는 충분하지 않습니다. 집의 가치 평가 : 현재 시장 상황에 맞는 정확한 가격 책정이 필수입니다. 마케팅 전략 : 적극적인 온라인 노출과 현장 연출(Staging)으로 바이어의 관심을 끌어야 합니다. 협상 준비 : 바이어가 늘어나면 협상 기회도 많아지지만, 준비된 셀러만이 유리한 조건을 끌어낼 수 있습니다. 전문 에이전트와 함께 전략을 세운다면 이번 시장의 변화를 자신의 기회로 만들 수 있습니다. 결론 모기지 금리 하락은 바이어들의 발걸음을 다시 시장으로 이끌고 있습니다. 지금은 바이어 수요가 늘어나고 있는 전환점이며, 셀러에게는 절호의 기회일 수 있습니다. 전략적으로 접근한다면, 이번 창을 통해 성공적인 거래를 성사시킬 수 있습니다. 주택판매나구매전략이필요하시다면지금바로연락주세요. ‘시카고복덕방한상철’ 773-717-2227 ,  ChicagoBDB@gmail.com

With mortgage rates dropping to their lowest level this year, the housing market is seeing a clear shift. According to the Mortgage Bankers Association (MBA) , new mortgage applications jumped 23% year-over-year right after rates fell—showing buyer demand is back at its strongest level since the summer. Why Rates Matter for Buyers This week, the average 30-year fixed mortgage rate dropped to 6.13% , the lowest since October 2024. The decline follows weaker job reports and rising concerns of economic slowdown, which have raised expectations of multiple Federal Reserve rate cuts later this year. Markets are already pricing in those cuts, and mortgage rates have moved accordingly. Even small shifts in mortgage rates make a big difference. A slight rate drop can reduce monthly payments by hundreds of dollars, instantly improving affordability. This latest decline has pulled buyers off the sidelines and back into the market. Why This Is a Seller’s Opportunity If you listed earlier this year but pulled your home due to lack of interest—or if you’ve been waiting for the right moment—now is the time to reconsider. Early movers benefit most : Acting before other sellers jump back in gives you less competition and more leverage. Waiting too long can backfire : As rates drop, both buyers and sellers increase, which can lead to stiffer competition and less favorable terms. Strategy Is Key Simply putting your home on the market isn’t enough. Sellers should: Price correctly : Align your listing price with today’s market conditions. Market effectively : Use strong online exposure and staging to capture attention. Prepare for negotiations : More buyers mean more offers—but only prepared sellers secure the best terms. Working with an experienced agent ensures you can turn this market shift into an opportunity. Conclusion Falling mortgage rates are bringing buyers back into the market. For sellers, this is a potential turning point—acting strategically now could secure the best results. 📌If you’re considering buying or selling, let’s create the right strategy for today’s market. Chicago BDB | Hansang Chul 📞 773-717-2227 | 📧 ChicagoBDB@gmail.com

이번 주 연방준비제도(Fed)가 회의를 앞두고 있습니다. 많은 경제 전문가들은 연준이 경기 침체 가능성에 대응하기 위해 기준금리(Federal Funds Rate)를 인하할 것으로 예상하고 있습니다. 그렇다면 이번 결정이 모기지 금리에도 직접적인 영향을 줄까요? 연준이 정하는 금리와 모기지 금리는 다릅니다 먼저 알아두셔야 할 점은 연준이 직접 모기지 금리를 정하지 않는다는 사실입니다. 연준이 조정하는 기준금리는 은행 간 초단기 대출 금리로, 경제 전반의 차입 비용에 영향을 미치지만 모기지 금리와는 별개의 영역입니다. 그럼에도 불구하고 연준의 정책 방향은 시장 심리에 큰 영향을 주며, 이는 모기지 금리 변동으로 이어질 수 있습니다. 시장은 이미 금리 인하를 반영하고 있습니다 이번 9월 회의에서 금리 인하는 사실상 확실시되고 있으며, 소폭 인하(0.25%)가 유력합니다. 흥미로운 점은, 금융시장은 이미 이를 선반영했다는 것입니다. 실제로 8월과 9월 초 발표된 고용 지표가 예상보다 약세를 보이자 시장은 금리 인하 가능성을 반영하며 모기지 금리를 낮추기 시작했습니다. 만약 연준이 시장 예상보다 큰 폭(0.50%) 인하를 단행한다면 모기지 금리가 추가로 하락할 가능성도 있습니다. 모기지 금리 전망 전문가들은 연준이 연내에 추가 인하를 단행할 가능성이 높다고 보고 있습니다. 만약 인하 사이클이 본격화된다면, 모기지 금리도 점진적으로 낮아질 수 있습니다. 하지만 이는 전적으로 경제 흐름, 인플레이션 데이터, 고용지표에 따라 달라집니다. 예기치 못한 인플레이션 상승이나 경기 반등 신호가 나타난다면 전망은 즉시 바뀔 수 있습니다. 퍼스트 아메리칸(First American)의 수석 이코노미스트는 투자자들의 기대감이 뒷받침될 경우, 2025년 하반기에는 주택 구매자들이 한결 나은 이자율로 주택을 마련할 수 있을 것이라고 전망했습니다. 바이어와 셀러에게 의미하는 점 이번 금리 인하는 단기간에 모기지 금리를 급격히 낮추지는 못하겠지만, 장기적으로는 주택 구매 여력(affordability)을 개선시킬 수 있습니다. 이는 바이어에게는 긍정적인 신호이며, 셀러에게도 더 많은 수요를 불러올 수 있는 기회입니다. 지금은 시장을 면밀히 지켜보며 전략을 세워야 하는 시기입니다. 몇십 달러에서 몇백 달러 차이 나는 월 상환액은 장기적으로 수만 달러 차이를 만들 수 있습니다. 따라서 연준의 정책 방향을 단순히 뉴스로 소비하는 것이 아니라, 자신의 상황에 맞는 전략으로 전환하는 것이 중요합니다. 결론 연준의 기준금리 인하는 모기지 금리에 직접적으로 반영되지는 않지만, 시장 기대와 맞물리며 점진적인 하락세를 이끌 수 있습니다. 바이어라면 지금부터 전문가와 상의하며 적정 시점과 금리 조건을 준비하셔야 하고, 셀러라면 이러한 변화가 바이어 수요에 미칠 긍정적인 효과를 미리 고려하시는 것이 좋습니다. 집 구매와 판매 모두 타이밍과 전략이 핵심입니다. 지금 상황이 내게 어떤 의미인지 상담하고 싶으시다면 언제든 연락주시기 바랍니다. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

With the Federal Reserve expected to cut the federal funds rate this week, many buyers are asking: Will mortgage rates go down too? It’s important to remember that the Fed does not directly set mortgage rates. The federal funds rate is the overnight rate banks charge each other. It influences borrowing costs across the economy but is separate from mortgage rates. Still, the Fed’s actions—and even its signals—have a major effect on market psychology , which can influence mortgage rate movements. Markets Have Already Priced In a Cut At the September meeting, a 0.25% cut is widely expected. Interestingly, markets have already priced this in. Weaker job reports in August and early September pushed investors to expect cuts, which has already nudged mortgage rates lower. If the Fed surprises with a larger 0.50% cut , mortgage rates could fall further. Mortgage Rate Outlook Experts believe more cuts are possible later in 2025. If a cutting cycle begins, mortgage rates may gradually trend downward. But this depends on economic data: If inflation rises unexpectedly → rates could move higher again. If growth slows further → rates could fall more sharply. First American’s chief economist noted that if investor expectations hold, homebuyers may see more favorable mortgage rates in the second half of 2025 . What It Means for Buyers and Sellers Buyers: Lower rates improve affordability, reducing monthly payments by hundreds over time. Sellers: More buyers re-entering the market increases demand for homes. Even small changes in mortgage rates—just a few tenths of a percent—can mean tens of thousands of dollars saved over the life of a loan. That’s why it’s critical to turn news into strategy, not just headlines. Conclusion The Fed doesn’t directly control mortgage rates, but its decisions set the tone for financial markets. With cuts likely, mortgage rates may gradually soften, creating opportunities for buyers and sellers alike. 📌 If you’re planning to buy or sell, now is the time to build the right strategy.Chicago BDB | Hansang Chul 📞 773-717-2227 | 📧 ChicagoBDB@gmail.com