Loan Officer Gustan Cho
Loan OfficerForum Replies Created
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This Saturday I had to go to the Brighton Town Dump again. Skylar did not waste any time to go with me. Pearl wanted to go with me too. I didn’t want to argue so I took both of them along. They both behaved well. The town dump is only 3 miles north from me.
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Police in Cranston, Rhode Island pulled over State Rep. Enrique Sanchez in February after they found him sitting at a traffic light for a long period of time. Sanchez denied drinking alcohol despite officers saying they could smell it on him and in his car. Law&Crime’s Angenette Levy looks at the encounter recorded by police body cameras in this episode of Crime Fix — a daily show covering the biggest stories in crime.
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Greg Bishop delves into the approved Chicago city ordinance for a curfew and Mayor Brandon Johnson’s promise to veto the ordinance. Alderman who supported the measure said allowing for a snap curfew would allow another tool for police to get control of unruly teen takeovers.
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Great information and data, Chad. Thanks for sharing.
Home Prices Across the United States
If you’ve checked the news lately, you know that buying a house today can feel like putting your ticket on a carnival roller-coaster. Interest rates bounce up and down, inflation chases its tail, and broken supply chains keep throwing curves at builders.
National TrendsPrice Increases
Home prices keep nudging upward, yet the pace has eased way off the breakneck speed we saw during the pandemic. By June 2025, the median sales price for a single-family house sits around $450,000, marking a 5.2 percent bump from twelve months earlier.
Regional Disparities
Not every market tells the same story. West Coast cities such as San Francisco and Seattle still post headline-grabbing jumps. At the same time, in many Midwestern towns and even a few Southern communities, the numbers climb at a far more reasonable pace.
Urban vs. Suburban
City dwellers paid a premium for skyline views for years, but the pandemic flipped the playbook. Families chasing backyards and home offices have increased suburban and rural prices, doubling the long-standing gap between urban and outlying areas.
Factors Driving Home Price Increases
Skinny Inventory
Sellers simply aren’t listing their homes in bulk, so the MLS stock is about 20 percent leaner than before the pandemic. Fewer For Sale signs mean every new listing gets swarmed almost overnight.
Sturdy Demand
Even at these higher price points, eager buyers keep pouring in. Low mortgage rates, steady paychecks, and the dreams of first-timers and seasoned investors create a queue that seems to stretch forever.
Sky-high Building Bills
Builders pay much more for Carpenters, concrete, and copper this year than last year. Those ballooning input bills stall construction, and older houses can easily command top dollar without fresh neighborhoods.
Investor Stampede
Hedge funds, pension pools, and even buyers from overseas are grabbing single-family homes like their limited-edition sneakers. Their cash offers can power past a typical starter buyer, and all that competition lifts prices on every block.
Market ForecastModerating Growth
Home prices should still climb, but most analysts agree the pace will cool off. By late 2025, many expect yearly gains to settle at about 2 to 3 percent. That feels slower than the double-digit spikes of recent boom years.
Regional Variations
No two neighborhoods are pricing out the same way. Some cities are still on fire, posting big jumps each quarter, while others are just holding steady- or, in a few cases, even slipping a little. Buyers need to scout the zip code, not the national headline.
Interest Rates
Mortgage rates move the needle more than almost anything else. A further hike could chill buyer excitement and keep prices in check, but a drop might spark another rush and send values north again.
Impact of Economic Uncertainty
Worries about inflation, overseas conflicts, and stock-market jitters keep popping up in the news. That uncertainty makes some would-be buyers hesitate, yet others dive in, convinced that brick-and-mortar beats paper assets when times are shaky.
All of this keeps the U.S. housing market pretty lively by historical standards. Prices are still inching up, not at warp speed, while local conditions swing from boom to bust. Home shoppers and sellers who watch their region closely do much better than those who gamble on guesswork.
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Here’s some more pictures of Skylar in my truck going to the toqn garbage 🗑 dump on Saturday.
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Here’s Skylar in my pickup truck. Saturdays is garbage day where I have to go to the town dump. Took Skylar with me to the dump. Here are some photos 📸 of Skylar in the pickup truck. She was a great 👍 girl. I will post some more pictures of Skylar. Chase and Bailey stayed home.
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Here are some recent pictures of Chase. Some pics are of Chase and Skylar. The first picture of Chase is when he opened the patio door 🚪 and let all the dogs if. He knows how to open the door and get out and get inside the house. The other dogs 🐕 follow his lead. Bailey is learning from Chase. How to play tag, fetch the ball, and other things.
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