Mid-Year Housing Market Update June 2025 – How bad is it?
Despite the headlines, home values are still rising in many markets, inventory remains tight, and over 5 million new buyers are poised to enter the market with every 1% drop in rates. Real estate fundamentals—not the fear—should guide your next move.
June 6, 2025/by Jonathan RitterWeek of May 12 2025 in Review
In a market shaped by nuance, timing, and long-term fundamentals, there’s no one-size-fits-all answer—but there is clarity in the data.
May 19, 2025/by Jonathan RitterHow the 2025 Spring Housing Is Shaping Up
In a market shaped by nuance, timing, and long-term fundamentals, there’s no one-size-fits-all answer—but there is clarity in the data.
March 27, 2025/by Jonathan RitterThe Wolves at the Closing Table
The NAR commission ruling has triggered a fresh wave of legal and structural disruption.
March 21, 2025/by Jonathan RitterCreating Value in Today’s Market with a Renovation Loan
Maximizing value in today’s market means looking beyond move-in-ready homes—here’s how to navigate the rehab process successfully.
February 24, 2025/by Jonathan RitterHistoric Patterns, Future Impacts: Forces Shaping Housing Today
In Part II assessing housing changes, we take a step back to uncover the historical patterns and economic forces that continue to shape homeownership today—and what that means for you. Learn more...
February 6, 2025/by Jonathan RitterHistoric Changes on the Horizon: Unpacking the First Week of Housing Policy Changes
The new administration's bold housing policies could impact affordability, access, and the future value of your home. Learn more...
January 27, 2025/by Jonathan RitterThe Future of Home Insurance: Navigating Rising Challenges Amid Climate Disasters
This article delves into expert opinions on the evolving landscape of home insurance, its implications for the mid-Atlantic region, and actionable steps homeowners can take to manage rising costs.
January 10, 2025/by Jonathan RitterGDP and Your Home: How Economic Growth Shapes Your Wealth
This article explores common way mortgage lenders extend refinance offers that appear more attractive than they are, and how to cut to the bottom line.
December 18, 2024/by Jonathan Ritter6 Tricks Mortgage Lenders Use to Entice Homeowners to Refinance and How to Spot Them
This article explores common way mortgage lenders extend refinance offers that appear more attractive than they are, and how to cut to the bottom line.
November 27, 2024/by Jonathan RitterReal Estate Investing and the Time Value of Money
As Warren Buffett wisely noted, "Inflation swindles almost everybody." Learn more about how inflation works and the time value of money.
November 21, 2024/by Jonathan RitterAssessing the Impact of Trump’s Presidency on the U.S. Housing Market: Projected Winners, Losers, and Property Value in 2025
What will Donald Trump's presidency mean for the real estate sector in 2025 and beyond. This analysis examines how the interplay of past and present conditions could shape the housing market under the upcoming administration.
November 11, 2024/by Jonathan RitterRate News This Week: Behind the Latest Volatility in Mortgage Rates
Looking back on the past few months raises some critical questions about what's going on with the market that it is so volatile, and how make good decisions is given the economic climate...
October 30, 2024/by Jonathan RitterThe Yield Curve Inversed Yesterday – and Its Impact on the Housing
Something important happened yesterday in the financial market that could help Realtors and homeowners alike...
September 6, 2024/by Jonathan RitterRate Cuts in Time for Fall? – Here’s What Realtors and Homeowners Need to Know
Reading Between the Lines: Jerome Powell’s Jackson Hole Speech and the Future of Interest Rates
August 23, 2024/by Jonathan RitterRate Cuts in Time for Fall? – Here’s What Realtors and Homeowners Need to Know
75% of Bloomberg Economists Surveyed Think the Fed Will Cut Rates This Fall...
July 26, 2024/by Jonathan RitterThe Fed’s Battle Against the Labor Market: A Turning Point for Interest Rates?
With unemployment now surpassing 4%, the Fed's influence on the economy, particularly the housing market, is becoming increasingly significant ...
July 8, 2024/by Jonathan RitterIs Now a Good Time to Buy Real Estate? – 2024 Mid-year Housing Market Overview
79% of Consumers Think it's a Bad Time to Buy a House, but is that True? ...
May 16, 2024/by Colette Evans7 Transaction Killers That Can Be Avoided.
... a range of options to ensures the most individuals become homeowners. Anything less fails to ...
April 13, 2024/by Jonathan RitterIs a Lawsuit Similar To NAR Brewing in the Mortgage World?
A class-action lawsuit has been initiated against United Wholesale Mortgage (UWM), alleging coercion ...
April 4, 2024/by Jonathan RitterNavigating the Implications of the NAR Ruling:
We've been closely monitoring the fallout from this decision at Ritter Mortgage, hearing perspectives from agents...
March 29, 2024/by Jonathan RitterIs it Worth It to Have a Realtor as a Buyer if it’s Not Free?
For decades, sellers paid the buyer’s agent commission. But all that changed today...
March 15, 2024/by Colette EvansA Wish Granted: Unwrapping the Gift of Your First Home
New grant money avaliable for First Time Homebuyers helps get more people into homes!
November 24, 2023/by Colette EvansThe Season of Gratitude: Valuing Real Estate’s Contribution to Family Legacies and Neighborhoods
The contrasting legacies of the Vanderbilts and Rockefellers vividly illustrate the power of investing in assets that...
November 17, 2023/by Colette EvansPros and Cons of New 1% Down Payment Loan Option
From a long-term financial perspective, the value of purchasing vs renting ...
November 9, 2023/by Colette EvansSAVE HUNDREDS OF THOUSANDS OF DOLLARS When Refinancing to Consolidate Debt
Are you struggling with high-interest debts from personal lines of credit, credit cards, and car loans, feeling like you can't get ahead? You're not alone...
November 3, 2023/by Colette EvansDo Mortgage Brokers Offer Better Rates than Banks?
Whether a mortgage broker offers better rates than banks is not a straightforward yes or no answer...
October 27, 2023/by Colette EvansShould You Wait to Buy Until Rates Go Down? – Pros and Cons of Buying in Today’s Market
Today, the three major objections we hear to buying property are that prices can't sustain recent growth...
October 20, 2023/by Colette EvansCase Study – Unexpected Second Home Rate Makes Raving Fans
When it comes to purchasing a dream second home, every penny counts. This was exactly the challenge...
October 13, 2023/by Colette EvansDate the Rate, Marry the Home: A Strategic Approach to Home Buying – Fall 2023
A vital question for potential homebuyers today: should they hold out for a more rate-friendly market?
October 5, 2023/by Colette EvansTurning Open Houses into Passive Prospecting
The average person encounters anywhere from 4,000 to 10,000 messages daily, so how do you get heard?
September 26, 2023/by Colette EvansRitter’s REALTOR Post-Close Follow-up
First impressions opens doors, but it is the post-close follow-up process that keeps those doors open...
September 11, 2023/by Colette EvansOpt-Out Prescreen to Stop Trigger Leads
Trigger leads are the invasive practice of credit agencies of selling your information.
September 1, 2023/by Dawn WoodenCase Study – A Modest Down Payment Wins
The competition can be fierce, especially in multiple offer situations...
August 17, 2023/by Colette EvansPost-Close Follow-Up Working for You
The importance of a post-close follow-up process in real estate cannot be underestimated.
August 11, 2023/by Dawn WoodenFaces of Home Loan Strategy
Securing a home loan is a significant financial endeavor that requires careful... [READ MORE]
July 28, 2023/by Colette EvansNext Generation Down Payment Assistance
From a loan originator’s point of view, Down Payment Assistance Programs, or DPAs, have ... [READ MORE]
July 5, 2023/by Dawn WoodenAnswer about the 40-Year fixed
There seems to be a lot of misunderstanding regarding the new FHA 40-Year loan... [READ MORE]
April 20, 2023/by Colette EvansThe Cost of Waiting to Buy
When buyers lose out repeatedly, their enthusiasm for continuing to make... [READ MORE]
May 19, 2022/by Colette EvansMeet Joe Smith, Realtor
As a CODA, Child of Deaf Adult, Joe understand the importance of communication... [READ MORE]
February 14, 2022/by Dawn WoodenTechnology in the mortgage industry
As mortgage companies consistently build and launch innovative tools... [READ MORE]
July 6, 2021/by Colette EvansMeet the Wards
The Wards were bursting at the seams in their Harford County, Maryland townhome... [READ MORE]
October 16, 2020/by Colette EvansWhy Refi Now
There are multiple reasons you should seriously consider refinancing... [READ MORE]
April 28, 2020/by Dawn WoodenCase Study: Brokers Meeting Client Needs
Responsiveness and organization are two of the key traits to look for.... [READ MORE]
January 19, 2019/by Colette EvansPrep House to Sell –
Top 10 pro-tips for professional stager, Jill Jackson, to get top dollar! ... [READ MORE]
October 5, 2017/by Dawn WoodenMeet Jen Conrad, Realtor
Jen strives to give her clients the “old school”... [READ MORE]
October 4, 2017/by Dawn WoodenMeet Kim Sweat, Realtor
Putting People First. That's Kim Sweat's priority... [READ MORE]
March 5, 2017/by Dawn WoodenSell During Holidays –
The old way of thinking was to avoid selling a home during the... [READ MORE]
November 25, 2016/by Dawn WoodenInvestigate Neighborhood – November 2, 2016
Doing some homework ahead of time helps avoid costly mistakes in the end... [READ MORE]
November 2, 2016/by Dawn WoodenMortgage Application Process
A step-by-step, easy-to-understand guide through the mortgage process... [READ MORE]
October 14, 2016/by Dawn WoodenMeet Zach Zander, Realtor
Zach is serious about providing exceptional customer service ... [READ MORE}
October 12, 2016/by Dawn WoodenTrended Credit Reporting
It’s a new way of evaluating a client’s creditworthiness that... [READ MORE}
October 4, 2016/by Dawn WoodenFollow us on Facebook
Ritter Mortgage: (410) 795-8900
Jon Ritter: President
Brian Atha: Originations Manager
Colette Evans: Operations & Business Development
NMLS #1436890 – nmlsconsumeraccess.org
Latest News
Mid-Year Housing Market Update June 2025 – How bad is it?June 6, 2025 - 3:01 am
Week of May 12 2025 in ReviewMay 19, 2025 - 4:13 pm
How the 2025 Spring Housing Is Shaping UpMarch 27, 2025 - 4:52 pm
The Wolves at the Closing TableMarch 21, 2025 - 10:57 pm
Creating Value in Today’s Market with a Renovation LoanFebruary 24, 2025 - 4:29 pm
Historic Patterns, Future Impacts: Forces Shaping Housing TodayFebruary 6, 2025 - 7:22 pm
Historic Changes on the Horizon: Unpacking the First Week of Housing Policy ChangesJanuary 27, 2025 - 2:29 am
The Future of Home Insurance: Navigating Rising Challenges Amid Climate DisastersJanuary 10, 2025 - 4:27 pm
GDP and Your Home: How Economic Growth Shapes Your WealthDecember 18, 2024 - 5:14 pm
6 Tricks Mortgage Lenders Use to Entice Homeowners to Refinance and How to Spot ThemNovember 27, 2024 - 1:30 am
Real Estate Investing and the Time Value of MoneyNovember 21, 2024 - 4:14 pm
Is Now a Good Time to Buy Real Estate? – 2024 Mid-year Housing Market OverviewMay 16, 2024 - 7:08 pm
Why Refi NowApril 28, 2020 - 9:57 pm
Case Study: Brokers Meeting Client NeedsJanuary 19, 2019 - 2:53 pm
Prep House to Sell –October 5, 2017 - 9:43 pm
Mortgage Application ProcessOctober 14, 2016 - 9:42 pm
Trended Credit ReportingOctober 4, 2016 - 9:02 pm
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