Overview

Shelly Winter and Deborah Morton of Clareo Group unpack why national home sales just hit a 1995-level low, what that mix of tight resale supply and longer days on market means in Georgia, and how buyers can win with new construction incentives. They cover ethics during crises, true closing costs, roof and insurance hurdles, and smart ways to package price and credits so both sides close.

Key Takeaways

• Resale supply is tight while some listings sit longer and trim price.
• New construction inventory is up, and builder credits can fund rate buydowns.
• Converting a price cut into points can move a ~7% quote toward mid 6s.
• After a loss, the mortgage still must be paid; coverage gaps are painful.
• First time buyers often use 3% to 5% down; closing costs near ~3% of the loan, FHA higher.
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