The Sky is Falling! Part 2 of 2

the sky is falling - part 2 - candiscarmichael.com….and other anxiety-creating myths you might hear about the real estate market.

Part 2 of 2

If you didn’t get a chance to read part 1 in this 2-part series, click here to give it a read now. 

In this 2nd part, let’s continue the reality check: the world didn’t end. I remind you, Chicken Little, the sky is not falling. Below are a few more thoughts I keep hearing from buyers and sellers right now that could use some clarification.

#4: I’m stuck with the home for 30 years if I buy a home.

Clarification: This is false. Full-stop. Just because you take out a 30-year mortgage for a home absolutely does not mean you have to keep it for 30 years. It’s just the term you selected under which to purchase your home. You always have an option in the future to apply for a new loan (refinance) with different terms for your new circumstances. The new loan pays off the original 30-year one and you replace that loan with your new one. The reality is that most only own their home for 10 years or less and then they sell it (which pays off the loan) and they buy something else that fits their new needs.

#5: I can’t afford to buy a home in this market.

Clarification: In some cases, this might be true. In most cases, it’s not. What is true is that you might not be able to buy your dream home in this market. It’s important to realize that your real estate journey has to start somewhere. If you never buy a place, you’ll be a forever renter. While that might be ok for some, and a great fit for their lifestyles, many would prefer to own something of their own. If homeownership is your goal, and you’re realistic that your first home might not be perfect and you’ll likely be there for about 5-10 years before it makes sense financially to sell it, then anytime is a good time to buy because you have to take the first step.

When it comes to the real estate market, it’s about playing the long game. It’s typically not a short-term liquid asset like a stock, bond, or CD. It’s a long-term investment portfolio that will start with the purchase of your first property. You’ll gradually learn how to manage and make the most of this asset and it could lead to owning multiple properties and/or using the equity to fund other wealth-building endeavors in the future. Whatever your plans, it’s not something that’s for everyone, but it can have benefits for anyone. Just know that it’s cyclical, goes in waves, and is almost always on an upward trend in the long-term.

Are you ready to start your home search? Then it’s time for us to talk! There are many ways I can help with the process and get you on your way to purchasing your next home. You can schedule your initial buyer’s or seller’s consultation by phone or video call by clicking here.

You can click here to check out the current market statistics as well. See average home prices, average time homes are on the market and how they compare year-over-year.

Not quite ready to start your home purchase journey, but want to get a look at what’s currently on the market? Click here to search current listings in the area.

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Client Testimonials

Tiffanie R.
Tiffanie R.
Largo, FL
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Candis is a highly experienced and knowledgeable realtor. She prides herself on knowing the market, neighborhoods, and the larger view of real estate trends across the country. Her insights, professionalism, and excellent communication skills translate to an interaction that is easy, streamlined, efficient, and effective. I recommend Candis 100%!
Michelle F.
Michelle F.
Largo, FL
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Absolutely amazing. Was very helpful and willing to answer all my questions to the best of her knowledge. Came back to me with more information if she didn’t have the best answers available.
Janet D.
Janet D.
Largo, FL
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Candis was very hands on and always available. She got our home sold and was a huge help in my relocation. We had lived in the same house for 29 years and were unsure how to proceed in our sale. Candis knew what she was doing and steered us in the right direction. She was always thorough in explaining each and every step.
W. Pope
W. Pope
Clearwater, FL
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My buying experience started rough with an agent who did nothing for me. Then I found Candis. I could tell the difference! She immediately began working hard for me. She is a very educated, helpful Realtor who was always a step ahead! She has a great personality and I recommend her to everyone! Even in a tough market, she made my dream of buying my first home a reality and we closed within 30 days!
Joe C.
Joe C.
St. Petersburg, FL
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Thanks to Candis for helping me find a place to call home. In what can be a very stressful experience, Candis always kept things positive and stayed on track towards accomplishing the goal. I highly recommend her for anyone trying to find the right property. I appreciated all of her market insight and creative ideas for making this property more of a home!
Tasha Z.
Tasha Z.
Largo, FL
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Candis went above and beyond to help me secure my new home purchase. There were many hiccups we encountered (at no fault of Candis). She worked hard to be an advocate for me through the entire process, even after closing. 10/10 would highly recommend. Working with Candis was like house shopping with a good friend!
Kim C.
Kim C.
Holiday, FL
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It was great working with Candis. She really cares about her clients and what they want in a home. Her professionalism is top notch.
Tina P.
Tina P.
Clearwater, FL
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Candis has a very happy personality that is so refreshing! If we had questions, she was there to answer. And she worked well with our loan team! In this extremely difficult housing market, Candis kept us positive and patient and we finally got an offer accepted on our first home! If you are looking for a realtor, Candis is the perfect one!
T. Reynolds
T. Reynolds
Largo, FL
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Candis will exceed your expectations. She is personally committed to helping people with extreme professionalism. This combination results in a realtor who anticipates your needs and provides solutions, goes 'above and beyond' normal communication, and executes on your behalf with diligence, care, and expediency. I couldn't recommend her more!
Charlotte B.
Charlotte B.
Largo, FL
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We were moving from CA to FL and Candis made house search over the next year so easy. All we had to do was tell her what we were looking for and she did all the work! She made us feel like family and went above and beyond to help find our perfect house. Candis truly is an upbeat agent who listened to our needs and wants while her fun and positive attitude made her a joy to work with. And her honesty is refreshing.
Paul & Barb L.
Paul & Barb L.
Largo, FL
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We connected with Candis when we visited open house. It was our lucky break! She never made us a feel like just a commission, nor was she impatient as we dragged out the process. She took the time to understand our wants and provided insight, opinion and reassurance throughout the process. Her experience and knowledge were very helpful and she was patient with our many changes in direction. She exceeded our expectations!
Vicki & Daryl H.
Vicki & Daryl H.
Harbor Bluffs, FL
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Candis Carmichael is a fantastic realtor. Her positive outlook paired with her professionalism is a great combination! She is smart, experienced and knowledgeable. She was in constant contact with us and always returned emails, text messages or phone calls in a prompt manner. My husband and I would recommend Candis whether you are buying or selling your home.
Ron & Charlotte VB
Ron & Charlotte VB
Largo, FL
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REALTOR Candis is a true professional Realtor. She listens to your wants and needs, then goes out to find what you asked for. She has local knowledge of all areas (which helped with our relocation from out of State). Candis responds to all phone call and text messages within a short amount of time.
Melody H.
Melody H.
Pinellas Park, FL
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REALTOR Candis is a consummate professional who guides you every step of the way and beyond the sale. She is detailed, personable and always your champion. I can't say enough about REALTOR Candis and would whole-heartedly recommend her to anyone seeking to sell or buy a home.
Kim & Ray L.
Kim & Ray L.
Largo, FL
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She is a great realtor! She listens and truly wants to help people find their forever homes. She's smart and a go-getter and we greatly appreciate everything she did to help us quickly find and buy our new home. She thoroughly explained everything during the process, answered our questions and gave great suggestions. If you want someone who cares and will truly work for you, Candis is who you need! She really is awesome!
Jane & Dave H.
Jane & Dave H.
St. Petersburg, FL
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We appreciate that REALTOR Candis was genuinely concerned with helping us find a home. We had been blown off by other agents, owners and managers who who kept stringing us along only to tell us they sold or rented out the house. Thank you!
Daryl H.
Daryl H.
Spring Hill, FL
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Candis was recommended and after meeting with her, we were quickly impressed with her professional manner and knowledge of the areas where we were looking to buy.
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