15-Year at 5.96% vs 30-Year at 6.67%: When the Gap Pays
If you are selling a house you have owned for a while in Brighton or Pittsford and buying the next one, you are in a different conversation than a first-time buyer. You are not scraping for a down payment. You are deciding what to do with a chunk of equity and how long you want to carry a loan. That
Read More
6.67% Versus 6.58%: A Flat Rate Year on a $308,500 Monroe County Home
If you shopped last year, paused, and are now back in the market in Pittsford, Brighton or Henrietta, you have probably assumed rates are the reason your numbers feel tighter. This post shows you why that is mostly wrong. I am going to run the actual monthly payment on a $308,500 home at both this y
Read More
Is the Rochester NY Housing Market Slowing Down? August 2026 Numbers
If you have been reading about the Rochester NY housing market this summer, you have probably seen two stories at once. One says prices are climbing fast and there is nothing to buy. The other says things are calming down and buyers finally have room to breathe. Both of those stories are being publi
Read More
Recent Posts
