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많은 분들이 과거에 3%대 모기지 금리로 집을 장만하셨습니다. 그 금리는 분명 훌륭한 재정 성과였고, 그래서 “더는 이율이 올라간다”는 이유만으로 이사를 망설이시는 분도 많았습니다. 그러나 최근 데이터에 따르면, 이런 ‘락-인(lock-in) 효과’가 서서히 약해지고 있으며, 오히려 많은 집주인이 금리보다 삶의 변화나 현재 집의 ‘적합성’에 집중하며 움직이고 있습니다.  새 직장, 가족 변화, 은퇴 계획, 아이 성장 또는 자녀 독립 등으로 인해 “지금 사는 집이 더 이상 맞지 않는다”고 느끼는 사람들이 늘고 있고, 이런 이유가 결국 낮은 금리 포기의 계기가 되었다는 것입니다.  즉, 수치상의 이점보다 내 삶의 변화가 우선일 수 있고, 지금은 그런 변화를 실행하기에 좋은 시점이라는 판단이 나온 것입니다. 최근 변화: 금리 높아도, 인벤토리와 유연성이 시장을 살리고 있다 최근 조사에서는 미국 내 모기지 대출 중 6% 이상 금리 비율이 10년 만에 최고 수준으로 늘어났다는 보고가 있습니다.  그럼에도 불구하고, 과거의 ‘아주 낮은 금리’에 묶여 있던 집주인들 중 많은 이가 매도 시장에 나오기 시작했고, 이는  매물 공급 증가 → 주택 이동 유연성 증가 로 이어지고 있습니다.  2026년을 앞두고 주택 시장에서는 금리 완화 기대 + 매물 증가 + 수요 회복이 맞물리며, 이전보다 거래가 더 활발해질 것이라는 전망도 나오고 있습니다.  이 변화는 단순히 통계적 흐름이 아니라, 우리의 실제 생활과 자산 이동에 영향을 줄 수 있는 ‘전환점’으로 보입니다. 시카고 · 일리노이 지역에서 의미 있는 시점 시카고 또는 교외 지역에서 집을 보유하고 계시거나 매수/매도를 고민 중이신 분이라면, 이번 흐름은 다음과 같은 의미를 갖습니다. 🏡  이미 집을 소유한 분 과거 낮은 금리에 안주하며 ‘이사’를 미뤄오셨다면, 지금이 “삶의 변화 + 자산 실현”을 함께 고려해볼 수 있는 시점입니다. 예: 가족 규모 변화, 직장 이동, 다운사이징, 은퇴 준비 등. 매도를 결정하시더라도, 지금처럼 매물 공급이 활발하고 경쟁 매물이 제한적인 시점이라면 비교적 유리한 조건을 기대할 수 있습니다. 🔎  집을 사려는 분 단순히 금리에만 연연하셨다면, 조금 시야를 넓혀 보세요. 매도자가 증가하면서 매물이 늘고, 선택의 폭이 넓어지고 있습니다 — 즉, “좋은 집 + 조건 좋은 거래”를 찾을 기회가 많아졌습니다. 만약 렌트 중이시라면 월 렌트가 계속 오르는 흐름 속에서, 지금 집을 매수해 월 지출을 고정시키는 것도 충분히 고려할 만합니다. 🔄  삶과 자산의 균형을 원하신다면 집은 단순한 투자나 비용이 아니라, 삶의 무대입니다. 낮은 금리를 지키는 것보다, “지금 내 가족과 삶에 맞는 집”을 선택하는 것이 더 중요할 수 있습니다. 필요하면 제가 도와드리겠습니다: 현재 집의 가치 평가, 새로운 매물 탐색, 금융 조건 분석 등. 당신의 삶과 집 — 지금 다시 체크해보세요 낮은 금리라는 과거의 이익도 좋지만, 지금 당신의 삶은 그때와 같지 않을 수 있습니다.아이의 성장, 직장 변화, 은퇴, 가족 구성 변화, 출퇴근 거리 등… 이런 변화들이 집에 대한 기준을 바꾸는 순간이 왔을지도 모릅니다. 만약 지금이 “변화가 필요하다”고 느끼신다면,– 지금 집을 매도하고 새 집으로 이동하기– 렌트에서 벗어나 내 집 마련하기– 또는 단순히 시장 상황을 점검하고 미래를 설계하기 언제든 상담을 요청해 주세요. 여러분의 상황에 맞는 최적의 전략을 함께 세워드리겠습니다. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

Many homeowners locked in  3% mortgage rates  a few years ago — an incredible financial win.That’s why many have hesitated to move, fearing that giving up such a low rate isn’t worth it. But recent data shows that this “ lock-in effect ” is weakening.Instead of focusing on numbers, more homeowners are prioritizing  life changes  and  how well their current home still fits their lifestyle . People are choosing to move because of: A  new job  or career shift Family changes  — marriage, growing children, or kids leaving home Retirement  plans or downsizing Simply realizing their home no longer fits their needs In short: for many,  life changes now outweigh interest rates  — and this is becoming a practical moment to take action. 📊  Even With Higher Rates, Inventory and Flexibility Are Keeping the Market Moving Recent reports show that  over 6% of U.S. mortgages  now carry higher rates — the highest share in nearly a decade. Despite that, more homeowners once “locked in” by low rates are beginning to list their homes. This has led to  more inventory ,  greater flexibility , and a healthier market for both buyers and sellers. Looking ahead to 2026, many experts expect to see:✅ Lower mortgage rates✅ Continued rise in listings✅ Recovered buyer demand This combination signals a  turning point  — not just statistically, but in how people manage their lives and real estate goals. 🏙️  What It Means for Homeowners and Buyers in Chicago & Illinois 🏡  For Current Homeowners If you’ve stayed put mainly because of a low rate, now may be the right moment to balance  life changes and equity gains . (Think: family size, new job, downsizing, or retirement.) Listing your home now — while inventory is growing but competition remains manageable — can give you  a strong negotiating position . 🔎  For Buyers With more sellers entering the market, you’ll see  more inventory and better choices  than before. Don’t focus only on rates — consider value, location, and lifestyle fit. If you’re renting, buying now can help  lock in monthly stability  and turn your payments into  equity , not expenses. ⚖️  For Those Seeking Balance Between Life and Finances A home isn’t just a financial asset — it’s where life happens. Instead of holding on to a low rate that no longer fits your life, focus on  finding the right home for your current needs. Need help?I can assist with  market analysis, home valuation, new listings, and mortgage scenario comparisons  to help you move forward confidently. 🕰️  It’s Time to Revisit Your Life and Home That low 3% mortgage may have been perfect years ago —but is it still perfect for your life today? As families grow, jobs change, or priorities shift, your home should evolve with you.If you’ve been thinking: about selling and moving, buying your first home, or simply reassessing your options, this may be your signal to act. Let’s review your goals and find a plan that fits you best. 📞  773-717-2227 ✉️  ChicagoBDB@gmail.comChicago Real Estate – Sang Chul Han

연말 가족 모임이나 친구, 동료 모임에서 빠지지 않는 화두 중 하나가 바로 집값, 집 시장에 관한 이야기입니다.많은 분들이 아래 세 가지 질문을 던지시는데요, KCM은 이 질문에 대한 가장 현실적이고 데이터에 기반한 답을 제시했습니다. ① “지금 집을 사거나 옮기려고 하면, 제대로 살 집을 찾을 수 있을까?” 예전보다는 훨씬 더 가능합니다. 최근 수개월간 시장에 나온 매물 수가 지속적으로 증가해왔고, 현재 매물 총 수가 예전보다 훨씬 많다는 분석입니다.  즉, 예전처럼 매물이 나오자마자 사라지는 “치열한 매물 경쟁” 구도는 많이 완화되었고, 바이어 여러분께는 비교하고 선택할 여유가 생겼다는 뜻입니다. ② “지금 내가 과연 집을 감당할 수 있을까?” 지난 몇 년간 금리와 집값 상승으로 인해 주택 구입이 버겁게 느껴지셨던 분들이 많습니다.하지만 최근에는 모기지 금리가 다소 완화되고 있고, 집값 상승세 또한 이전만큼 빠르지 않다는 진단이 나옵니다.  그 결과, 몇 달 전보다는 월별 모기지 비용이 수백 달러 가량 낮아진 경우도 생기며, 주택 구매가 다시 현실적인 선택지가 되고 있다는 분석입니다. ③ “그렇다면 가격이 더 떨어질 때까지 기다려야 하지 않을까?” 많은 분들이 집값이 더 떨어질 것이라는 기대를 품고 기다리곤 합니다. 하지만 KCM은 지금이 그럴 시점은 아니라고 말합니다.현재 매물이 증가했다 해도, 공급이 크게 넘치거나 가격 폭락을 유도할 만큼 충분하지 않다고 평가합니다. 또한, 지금 집을 가진 사람들 대다수가 과거보다 훨씬 더 많은 자산(에쿼티)을 보유하고 있어, 2008년과 같은 위기의 재현은 가능성이 낮다는 설명입니다.  전문가들도 “지속적인 가격 하락을 기대하며 기다리는 것보다는, 좋은 조건을 보이는 집이 나왔을 때 움직이는 편이 장기적으로 유리하다”고 말합니다.  시카고·일리노이 지역 셀러와 바이어에게 드리는 의미 🏠  바이어(매수자)께 지금은 매물이 예전보다 많아 비교적 여유 있게 집을 찾을 수 있는 시점입니다. 특히 작년쯤 “조건에 맞는 집이 없어서 포기했다”는 분이라면, 다시 시장을 살펴볼 만합니다. 모기지 금리와 집값 상승 속도의 둔화는 월별 비용 부담을 줄이고, 매수 여건을 조금 더 친절하게 만들어 줍니다. “더 떨어지길 기다리자”는 전략보다는, 지금 매물 중 조건 좋은 집에 선제적으로 관심을 갖고 움직이는 것이 장기적으로 유리할 수 있습니다. 🏡  셀러(매도자)께 매물을 내놓기 전에 “과거처럼 바로 팔릴 수 있을까?” 하는 우려가 있었을 수 있습니다. 하지만 현재 시장에서는 매물이 많아졌다는 건, 다시 말해  매도 후 다음 집으로의 이동이 상대적으로 쉬워졌다는 의미 이기도 합니다. 지금처럼 시장이 안정되고 매수자의 선택지가 넓은 시기에는, 집의 장점(위치, 상태, 주변 여건)을 잘 부각하시는 것만으로도 좋은 조건의 오퍼가 가능할 수 있습니다. 또한 집을 매도하고 새 주택으로 이동하실 계획이라면, 지금이 그 타이밍을 잡을 적절한 순간입니다. 지금이 바로 움직일 때입니다 — 준비된 자가 유리합니다 많은 이들이 집을 사고 팔기 망설이는 이유로 “집이 있을지”, “감당 가능할지”, “더 떨어질지”를 걱정합니다. 그러나 최근 데이터와 전문가 의견은 지금이 바로  현실적이고 전략적인 결정의 순간 임을 보여줍니다.특히 시카고와 일리노이 지역처럼 주택 수요가 안정적이고 공급 또한 충분히 늘어난 시장에서는, 기다리기보다는 움직이는 편이 더 유리할 수 있습니다. 지금이 내 집을 찾거나 매도/매수를 진지하게 고민해보실 시간입니다. 저와 함께 예산, 조건, 목표를 정리해보시고, 최적의 전략을 세워보시길 권해드립니다. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

At every year-end gathering — family dinners, work parties, friendly get-togethers — one topic never fails to come up: the housing market. Many people are asking the same three questions this winter. Here’s what the latest data and insights from  Keeping Current Matters (KCM)  reveal. ① “If I try to buy or move right now, will I actually find a home I like?” Yes — much more than before. Over the past several months, the number of homes on the market has steadily increased.There are now  far more listings  available compared to last year. That means the days of extreme bidding wars and listings disappearing overnight are fading.Buyers now have more room to  compare, choose, and negotiate . ② “Can I actually afford a home right now?” For many people, it’s becoming more realistic again. After a few tough years of high rates and price spikes, affordability is starting to improve.Mortgage rates have eased slightly, and home price growth has slowed. In some cases, buyers are paying  hundreds of dollars less per month  than they would have just a few months ago.Buying is once again a  realistic and attainable  option for many households. ③ “Should I wait for prices to drop even more?” Probably not. It’s natural to hope prices will fall — but according to KCM, that’s not the most likely scenario right now. Even though inventory has grown, it’s still not high enough to cause price drops.And most homeowners today have  significant equity , making a 2008-style crash very unlikely. Experts say: “Instead of waiting for prices to drop, act when you find the right home and the right conditions.” 🏙️  What This Means for Buyers and Sellers in Chicago & Illinois 🏠  For Buyers Inventory is up, giving you more options and less competition. Mortgage rates and price growth have slowed — your monthly costs may be lower than before. Instead of waiting for a ‘perfect’ dip, focus on finding a home that fits your goals and budget now. 🏡  For Sellers Concerned your home won’t sell quickly? More listings also mean  it’s easier to find your next home  after selling. With the market stabilizing, highlighting your home’s strengths — location, condition, and nearby amenities — can help you attract strong offers. If you plan to sell and move, this could be the  perfect window  to make that transition. 🚀  Now Is the Time to Move — Prepared Buyers and Sellers Win First The big questions people ask —  “Will I find something?” “Can I afford it?” “Should I wait?”  — all have one consistent answer in the data: Now is a realistic, strategic time to act. In markets like Chicago and Illinois, where demand remains steady and inventory is improving, waiting could mean missing valuable opportunities. Let’s make a plan together — define your budget, your priorities, and your goals to build a strategy that works. 📞  773-717-2227 ✉️  ChicagoBDB@gmail.comChicago Real Estate – Sang Chul Han

올해 집을 매수한 사람들 중엔, 시장이 완벽한 조건을 갖췄을 때가 아니라 “지금이 내 삶에 맞는 때”라 판단해 결정한 이들이 많다고 합니다. KCM에 따르면, 그들이 정말 만족하는 이유는 단순한 투자 관점이 아니라 ‘삶의 질’과 ‘삶의 변화’ 덕분이라는 분석입니다.  ✅  사람들이 집을 산 진짜 이유들 어떤 이들은 아파트 생활을 벗어나 “꿈꾸던 내 집(my own home)”을 소유하고 싶었고, 벽에 페인트 칠을 하고, 정원을 가꾸며, 가족과 미래를 설계할 수 있는 공간을 원했다고 합니다.  또 다른 이들은 가족이나 친구와 더 가까이 살길 원했습니다. 출퇴근 시간은 물론, 주말 저녁 가족 저녁식사나 방문 등이 쉬운 위치 — 삶의 일상이 더 편해지는 것이 중요했다고 합니다.  일부는 집이 너무 커서 관리가 부담이 된 탓에, 오히려 작고 관리 부담 적은 집으로 다운사이징하면서 “더 간단하고 여유로운 생활”을 선택했다고 전했습니다.  즉, 많은 사람들에게 집은 단순한 자산이 아니라  삶을 바꾸는 무대 였던 셈입니다. ⏳  “시장 타이밍”을 기다리다 놓치는 것들 많은 사람들은 “언제 집값이 더 내려갈지”, “금리가 더 안정되면”이라는 조건을 기다리지만, 실제로 집을 산 이들은 기다리지 않았습니다. 그들은 “지금 내 삶에 필요한 집”을 찾는 데 집중했고, 그 결정이 지금의 풍요와 만족을 가져다 주고 있다고 말합니다.  기사는 집을 사지 않을 이유를 찾기보다는,  지금이 내 집이 필요한 시점인지 를 먼저 생각해보라고 권합니다. 시카고 · 일리노이 지역에서 집을 산다면 — 지금도 충분히 의미가 있다 이러한 흐름은 시카고 및 일리노이 지역에서도 똑같이 통할 수 있습니다. 특히 다음과 같은 분들에게는 지금이 좋은 기회가 될 수 있습니다. 다운타운보다 교외, 혹은 교외 내에서도 ‘가족 중심 생활’을 원하는 분 — 출퇴근 거리, 학교, 커뮤니티, 여유 공간 등을 고려하면 내 집 마련이 삶의 질을 크게 올릴 수 있습니다. 현재 렌트 생활 중이며, 렌트비 상승이나 집값 상승을 우려하시는 분 — 지금 매수하면 월세 인상 리스크에서 벗어나고, 매달 내는 비용이 단순한 지출이 아니라 자산 형성의 일부가 될 수 있습니다. 자녀가 성장했거나 가족 구성 변화가 있는 분 — 더 넓은 공간, 안정된 거주, 나만의 환경 설계 등이 삶의 스트레스를 줄이고, 앞으로의 생활을 계획하기에 유리합니다. 무엇보다 “완벽한 시장 조건”을 기다리기보다는 “내 삶에 맞는 집”을 찾는 것이 중요합니다. 행동 제안 혹시 지금 렌트에 지치셨거나, 가족의 변화로 공간이 필요하시다면 —지금이 ‘내 집 마련’에 대해 진지하게 생각해볼 타이밍입니다.렌트비 상승, 불확실한 임대 조건, 인구 이동 등 여러 요소를 고려할 때,  내 집을 갖는 것의 가치는 단순한 가격 이상 입니다.궁금하시다면, 지금 바로 상담 주세요. 함께 여러분의 라이프스타일과 예산에 맞는 집을 찾아보겠습니다. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

Many people who bought homes this year didn’t wait for the  “perfect market conditions.” Instead, they decided that  “now was the right time for their lives.” According to recent research from KCM (Keeping Current Matters), what’s making them happiest isn’t just financial gain—it’s the  quality of life and personal fulfillment  that came with homeownership. ✅  The Real Reasons People Bought Homes • Some wanted to finally leave apartment living and own  “a home of their own” —a place where they could paint the walls, plant a garden, and build their future with family. • Others wanted to live closer to family or friends—less time commuting, easier weekend dinners, and a stronger sense of community. • Some even chose to  downsize , moving into smaller, easier-to-manage homes for a simpler, more relaxed lifestyle. In short, for many,  a home isn’t just an investment—it’s the stage for a better life. ⏳  What You Lose by Waiting for the ‘Perfect’ Market It’s common to hear people say,  “I’ll buy when prices drop,”  or  “I’ll wait until rates fall.” But those who actually bought this year didn’t wait—they focused on  what fit their lives , not the headlines. Their decision brought real benefits: stability, comfort, and the freedom to live life on their terms. The lesson?👉 Don’t wait for the market to be perfect—ask whether the  timing is perfect for you. 🏙️  Why This Still Matters in Chicago & Illinois This mindset applies perfectly to the  Chicago and suburban Illinois market —and it’s especially relevant for people in these situations: Families seeking more  space, community, and schools  beyond downtown Renters worried about  rising rent  and uncertain lease terms Households experiencing life transitions—growing families, empty nesters, or lifestyle changes Buying a home now means transforming monthly payments into  equity , not just expenses—and creating stability in a market that continues to evolve. 🏠  When ‘Now’ Is the Right Time If you’re tired of renting, or if your family situation is changing, this may be your moment to act. While prices and interest rates shift, the  true value of homeownership —stability, space, and control—remains constant. Let’s explore what fits your lifestyle and budget best. 📞  773-717-2227 ✉️  ChicagoBDB@gmail.comChicago Real Estate – Sangchul Han

요즘 부동산 시장을 보면 집값이 오르고, 금리는 여전히 부담스럽다는 뉴스가 많습니다. 그래서 “지금은 집 사기 어렵다”는 생각을 하는 분도 많습니다. 하지만 최근 자료에는 “지금도 조건 좋을 집을 좋은 가격에 살 수 있는 기회가 있다”는 분석이 나왔습니다. 이 기회는 특히 구매자 여러분께 유효합니다.  🔎  지금이 좋은 거래를 찾기 좋은 이유 4가지 • 매물 중 약 20%가 이미 ‘가격 인하된 집’입니다 전국적으로 매물의 약 5분의 1, 즉 전체의 20.2%가 적어도 한 번 이상 가격을 낮췄다는 데이터가 있습니다. 이는 즉, 시장이 조금만 관심이 식으면 집주인이 협상 여지를 보이기 시작한다는 뜻입니다.  이 말은, 반드시 ‘최초가 = 최종가’가 아니라는 의미입니다. 적절한 전략과 타이밍만 맞춘다면, 원래 가격보다 훨씬 유리한 조건으로 거래할 수 있습니다. • 시장에 오래 머문 집은 협상 여지가 큽니다 집이 시장에 나온 지 오래됐다는 건, 매도자가 매매가 잘 안 된 데에 지칠 수 있다는 신호입니다. 이런 집은 바이어가 적은 만큼 경쟁이 적고, 조건 협상을 유리하게 이끌 수 있는 기회가 있습니다.  즉, 단순히 새 매물만 보는 것보다 ‘오래된 매물–가격 인하 매물’을 노려보는 게 지금은 유효한 전략입니다. • 가을·초겨울은 상대적으로 조용한 시장 → 협상 유리 통상 새 학기 시작, 이사철이 지난 후인 가을부터 초겨울 사이, 부동산 거래는 다소 줄어들지만 이로 인해 경쟁이 덜합니다. 전문가들은 이 시기에 매도자들이 집을 팔기 위해 가격 인하나 클로징 비용 크레딧, 리모델링 수리, 유지보수 비용 지원 등 다양한 인센티브를 제공할 가능성이 높다고 설명합니다.  이런 조건이라면, 단순히 ‘집을 사는 것’보다 ‘좋은 조건으로 집을 사는 것’이 될 수 있습니다. • 조금만 눈여겨보면 평균보다 훨씬 유리한 매수 기회가 가능합니다 예를 들어 시장가보다 5–6% 낮은 가격에 집을 산다면, 이는 중간 수준 집이라도 수만 달러의 절약으로 이어질 수 있습니다. 특히 시카고나 교외 지역처럼 가격 변동이 큰 지역에서는 이런 할인폭이 더 의미 있게 다가올 수 있습니다.  시카고 / 일리노이 지역 바이어분들께 드리는 구체적 제언 구매를 고려 중이시라면,  “신규 매물만 고르지 마시고” , “시장에 오래 있었거나 최근 가격을 낮춘 매물”을 리얼터와 함께 함께 찾아보세요. 경쟁이 적고, 협상 여지가 큰 집일 가능성이 높습니다. 예산이 빠듯하시다면, “처음 제시된 가격 = 정찰가”라 믿지 마시고, 매도자에게  클로징 비용 일부 도움, 리모델링비용 일부 지원, 원가 이하 제안  등을 요청해 보세요. 연말–초겨울은 생각보다 협상 여지가 많습니다. 구매 전에는  모기지 사전 승인(pre-approval) ,  현지 주택세 및 유지비용 계산 , 그리고  장기 보유 계획 을 같이 세우는 것이 좋습니다. 단순히 ‘지금 싸게 사자’보다 ‘가치 대비 최적 매수’가 중요합니다. 반드시 믿을 수 있는 현지 리얼터와 협력하세요. 시장 흐름, 매물 이력, 지역 특성까지 잘 아는 전문가가 함께할수록 좋은 조건으로 매수할 확률이 높습니다. 마무리 — 기회를 놓치지 마세요 지금 부동산 시장은 단순히 “비싸고 어렵다”는 이야기로만 볼 것이 아니라, 충분히 준비된 바이어에게는  현명한 매수 타이밍 이 될 수 있습니다.특히 시카고와 일리노이 교외 지역에 계신 분이라면, 지금부터 발 빠르게 움직이면 같은 예산으로 더 좋은 집, 더 나은 조건을 잡을 수 있는 기회가 많습니다. 궁금하시거나 매수 전략 상담이 필요하시면 언제든 연락 주세요. 최고의 조건으로 내 집 마련을 도와드리겠습니다. ‘시카고 복덕방 한상철’ 773-717-2227,  ChicagoBDB@gmail.com

With all the headlines about rising home prices and higher mortgage rates, it’s easy to assume that buying a home right now is difficult.But recent data suggests something different —  there are still great opportunities for prepared buyers to purchase quality homes at favorable prices. Let’s look at  four key reasons  why this market may actually be working in buyers’ favor. 🔎  4 Reasons It’s Still a Good Time to Find a Great Deal 1️⃣ About 20% of Listings Have Already Reduced Their Prices Nationwide, roughly  1 in 5 homes (20.2%)  on the market has had at least one price cut.This means sellers are increasingly open to negotiation, especially when interest slows after the initial listing period. In other words, the  first asking price isn’t always the final price. With the right strategy and timing, buyers can often negotiate significantly better terms than the list price. 2️⃣ Homes Sitting Longer on the Market Offer More Negotiation Power If a home has been listed for a long time, it may signal that the seller is growing more motivated to close a deal.Fewer competing buyers and longer market exposure create opportunities for negotiation on price, closing costs, or even repairs. In today’s environment, targeting  “price-reduced” or “long-on-market” listings  can be one of the smartest strategies available. 3️⃣ Fall and Early Winter Markets Favor Serious Buyers After the busy summer season, the real estate market typically quiets down.Fewer active buyers mean  less competition  — and sellers often become more flexible to secure a sale before year-end. During this period, many sellers are willing to offer incentives such as: Price reductions Closing cost credits Repair or renovation allowances Home warranty or maintenance support That means you’re not just “buying a home” — you could be  buying under better overall conditions. 4️⃣ Careful Shoppers Can Save Thousands Below Market Value Even a modest  5–6% discount  off the listing price can translate into  tens of thousands of dollars  in savings on a mid-priced home.In markets like  Chicago and the surrounding suburbs , where price ranges vary widely, those savings can have an even greater impact. 💡  Practical Advice for Buyers in the Chicago & Illinois Market Look beyond new listings.  Ask your Realtor to help you find homes that have been on the market for a while or recently dropped in price. These properties often offer more room to negotiate. Don’t assume list price = final price.  Especially toward the end of the year, many sellers are open to covering closing costs, repair credits, or small discounts to get the deal done. Be financially prepared.  Secure your  pre-approval , estimate property taxes and maintenance costs, and plan for the long term. The goal isn’t just to buy “cheap” — it’s to buy  smart  and ensure lasting value. Work with a trusted local Realtor.  An experienced agent who understands market dynamics, listing histories, and neighborhood trends will help you secure better terms. 🎯  Don’t Miss the Opportunity Today’s housing market shouldn’t be viewed only as “expensive and difficult.”For well-prepared buyers, it can be a period of  strategic opportunity  — especially in  Chicago and the surrounding suburbs , where timing and readiness make all the difference. By acting thoughtfully and efficiently, you can secure  a better home and stronger terms  within your current budget. If you’d like a personalized consultation or buyer strategy, feel free to reach out — I’ll help you make the most of this market. Chicago Real Estate – Sangchul Han 📞 773-717-2227 ✉️  ChicagoBDB@gmail.com

이번 주 30년 고정 모기지 금리가 6.26%에서 6.3%로 소폭 올랐습니다. 몇 주 만에 나타난 첫 상승인데, 이 변화가 실제 주택 구매 비용에 어떤 영향을 줄까요? 월별 모기지 비용의 차이 Realtor.com 계산기에 따르면, 중간 가격대 주택(약 $429,990)을 20% 다운페이먼트로 구입할 경우 이번 주 월 모기지 상환액은 약  $2,123 입니다. 지난주 같은 조건에서는 $2,113이었으니, 단지  월 $10 차이 에 불과합니다. 한편, 작년 2023년 10월 금리가 7.79%까지 치솟았을 때를 비교하면 지금은 훨씬 나은 상황입니다. 당시 중간가 주택($440,950)을 구입했다면 월 $2,537을 부담해야 했지만, 현재는 월 $249, 연간 $2,988을 절약할 수 있습니다. 즉, 이번 주 소폭 상승은 크게 우려할 수준이 아니며, 여전히 지난해 고점과 비교하면 바이어에게 훨씬 유리한 조건입니다. FHA 대출(3.5% 다운) 시의 차이 FHA 대출(3.5% 다운페이먼트)을 활용할 경우 이번 주 월 납부액은 약  $2,547 입니다. 지난주에는 $2,537이었으니 역시 $10 차이에 불과합니다. 그러나 작년 금리 고점과 비교하면 여전히 월 $300, 연간 $3,600 이상 절약할 수 있는 상황입니다. 장기적인 절약 효과 30년 대출 전체로 보면 차이는 더욱 큽니다. 20% 다운 시: 현재 금리로는 총 약  $764,280 , 작년 금리 고점에는  $913,310 . 무려  $149,030 절약 . FHA 3.5% 다운 시: 현재 금리로는 총  $917,040 , 작년 고점에는  $1,101,679 . 약  $184,639 절약 . 즉, 금리가 약간 올랐다고 해서 주저할 필요는 없습니다. 지난해 고점을 기준으로 보면 여전히 매월 수백 달러, 장기적으로는 수십만 달러의 이득을 보고 있는 것입니다. 지금이 행동할 때다 시카고와 서버브 시장은 매물이 늘어나고 있지만, 인기 지역은 여전히 경쟁이 치열합니다. 금리가 조금씩 출렁이는 동안에도 좋은 매물은 빠르게 계약이 이루어집니다. 이번처럼 미미한 금리 상승에 머뭇거리기보다, 지금 내 상황에 맞는 조건에서 매매를 준비하는 것이 장기적으로 더 큰 이익을 가져올 수 있습니다. 결론 이번 주 모기지 금리는 소폭 올랐지만, 지난해와 비교하면 여전히 바이어에게 훨씬 유리한 환경입니다. 금리 변동에 지나치게 흔들리기보다, 지금 내 상황에서 가능한 최적의 선택을 하는 것이 현명합니다. 주택 매매를 고민하고 계시다면, 지금 바로 전문가와 상담해보시길 권해드립니다. 시카고 복덕방 한상철 773-717-2227 ChicagoBDB@gmail.com

This week, the average 30-year fixed mortgage rate  inched up from 6.26% to 6.3%  — a modest increase and the first in several weeks.But what does this small rate change actually mean for homebuyers in real terms? Monthly Mortgage Payment Difference According to  Realtor.com ’s mortgage calculator , if you purchase a  median-priced home ($429,990)  with a  20% down payment , your monthly mortgage payment this week would be  around $2,123 .Last week, the same loan would have cost  $2,113  — a difference of just  $10 per month . Now compare that to  October 2023 , when rates peaked at  7.79% . At that time, buying a median-priced home ($440,950) meant paying  $2,537 per month .That’s  $249 less per month  today — or roughly  $2,988 in annual savings . In other words, this week’s slight uptick is  not a cause for concern .Even after this small rise, today’s rates remain  much lower and far more favorable  than last year’s highs. For FHA Loans (3.5% Down Payment) If you’re using an  FHA loan  with a 3.5% down payment, your monthly payment this week would be  about $2,547 , compared to  $2,537 last week  — again, only a $10 difference. Compared to the 2023 rate peak, however, you’d still save  around $300 per month  or  over $3,600 per year. Long-Term Savings Over the full 30-year term, the difference becomes even more striking: 20% Down Payment: Current rate total ≈  $764,280 2023 peak total ≈  $913,310 →  $149,030 saved FHA (3.5% Down Payment): Current rate total ≈  $917,040 2023 peak total ≈  $1,101,679 →  $184,639 saved Even with this week’s small increase, buyers today are still saving  hundreds per month and over $100,000 over the life of the loan  compared to last year. Now Is the Time to Act In the  Chicago and suburban markets , inventory has been gradually increasing, but competition in desirable areas remains strong.Homes in good condition and priced correctly are  still selling quickly . Rather than hesitating over minor rate fluctuations, focus on  positioning yourself strategically  for the current market.Acting now — while rates are still far below last year’s highs — can yield significant long-term benefits. Conclusion This week’s mortgage rate increase to  6.3%  is minimal — and the market remains  far more favorable for buyers than it was a year ago .Instead of reacting to small short-term changes, it’s wiser to make decisions based on your  current financial situation, goals, and readiness. If you’re thinking about buying or selling, now is a great time to consult with a local expert and find the strategy that fits you best. Chicago Real Estate – Sangchul Han 📞 773-717-2227 ✉️  ChicagoBDB@gmail.com

주택을 작게 줄여 생활비를 낮추거나 가족 가까이에 살고 싶다는 생각을 하고 계시다면 지금 눈여겨보셔야 할 흐름이 있습니다. 최근 미국에서 점점 더 많은 주택 소유자들이  새로운 주택을 모기지 없이 현금으로 구입 하고 있다는 사실입니다. 주택을 오래 보유하신 분들이라면 여러분도 같은 선택을 할 수 있는 상황일지 모릅니다. 미국 주택의 40% 이상이 모기지 완납 상태 ResiClub이 센서스 데이터를 분석한 결과, 미국에서 자가주택의 40% 이상이 이미 모기지가 없는 상태라고 합니다. 즉, 열 가구 중 네 가구는 주택을 완전히 자기 자산으로 소유하고 있다는 뜻입니다. 특히 베이비붐 세대가 은퇴 시기를 맞이하며 오랜 기간 모기지를 상환해온 결과가 크게 작용했습니다. 이들은 더 이상 매달 모기지 납부를 하지 않아도 되는 상황에서, 주택을 팔고 새로운 주택을 현금으로 구입하는 선택지를 활용하고 있습니다. 다운사이징, 현금 구매로 여유를 누리다 주택을 팔고 쌓아온 에쿼티(Equity)를 활용해 새로운 집을 현금으로 구입하면, 은퇴 후에도 모기지 부담이 없는 삶을 누릴 수 있습니다. 특히 비용이 더 낮은 작은 주택으로 옮긴다면 다음과 같은 장점이 생깁니다: 나이가 들어도 재정적 스트레스가 줄어듦 생활비와 관리 비용 절감 거래 절차가 빠르고 단순해짐 최근 John Burns Research & Consulting과 Keeping Current Matters의 조사에 따르면, 현금 구매 바이어의 비율은 미국 전역에서 증가하고 있습니다. 시카고 서버브 지역도 예외가 아니며, 은퇴를 앞둔 베이비붐 세대 바이어들 사이에서 현금 거래가 점점 더 늘어나고 있습니다. 다운사이징은 삶의 질을 높이는 선택 다운사이징은 집을 줄이는 것이 아니라 삶의 질을 높이는 과정입니다. 더 작은 집으로 옮겨도 원하는 라이프스타일에 맞춘 공간을 선택할 수 있고, 관리가 쉬워져 여유 시간이 늘어나며, 가족과 더 가까이 지낼 수도 있습니다. 시카고 교외에서는 특히 나퍼빌(Naperville), 글렌뷰(Glenview), 노스브룩(Northbrook) 같은 학군 지역에서 집을 팔고, 더 작은 주택이나 콘도로 옮기는 경우가 많습니다. 이렇게 하면 주택 관리 부담은 줄이면서도, 가족 가까이 거주할 수 있는 장점을 누릴 수 있습니다. 결론 여러분이 평생을 일궈온 주택은 단순한 거주 공간이 아니라, 새로운 삶을 열 수 있는 자산입니다. 지금이 바로 그 자산을 활용해 다운사이징을 고려할 수 있는 시기일 수 있습니다. 주택의 현재 가치를 정확히 알고, 어떤 선택지가 가능한지 상담받으신다면, 은퇴 이후 더 여유롭고 만족스러운 삶을 준비하실 수 있습니다. 시카고 복덕방 한상철 773-717-2227 ChicagoBDB@gmail.com

If you’ve been thinking about moving to a smaller home—whether to reduce living costs, simplify your lifestyle, or live closer to family— now is the time to pay attention. A growing number of U.S. homeowners are selling their homes and buying their next one entirely with cash, without a mortgage. If you’ve owned your home for years, you may be in the same position to make this move comfortably. Over 40% of U.S. Homes Are Now Mortgage-Free According to ResiClub ’s analysis of U.S. Census data, more than 40% of owner-occupied homes in America are now owned outright , with no remaining mortgage balance.In other words, 4 in 10 homeowners own their homes completely. This trend has been largely driven by Baby Boomers who are reaching retirement age after decades of paying down their loans.Many of them are now choosing to sell their larger homes and use their accumulated equity to buy smaller ones with cash , enjoying a simpler, debt-free lifestyle. Enjoying Freedom Through Cash-Powered Downsizing When you sell your current home and use the equity you’ve built to buy your next home in cash, you can enjoy retirement without monthly mortgage payments.If you choose a smaller home, the benefits can be substantial: Lower financial stress and greater security in later years Reduced living and maintenance costs A faster, smoother transaction process According to John Burns Research & Consulting and Keeping Current Matters , the percentage of cash buyers is rising across the U.S. — including the Chicago suburban market , where more Baby Boomer buyers are turning to cash purchases to simplify their next chapter. Downsizing Is About Living Better, Not Just Smaller Downsizing isn’t about “giving up” space — it’s about enhancing your quality of life. With a smaller home, you can choose a space that truly fits your lifestyle, spend less time on upkeep, and gain more freedom to enjoy what matters most — whether that’s family, travel, or hobbies. In the Chicago suburbs , many homeowners in areas like Naperville, Glenview, and Northbrook are selling their family homes and moving into smaller properties or condominiums nearby.This allows them to stay close to loved ones while reducing the time and cost of maintaining a larger property. Conclusion The home you’ve built over the years is more than just a place to live — it’s an asset that can open the door to a new stage of life. If you’ve built significant equity, now may be the perfect time to explore your downsizing options. Understanding your home’s current market value and available choices can help you plan for a more comfortable, stress-free, and fulfilling life after retirement. Chicago Real Estate – Hansangcheol 📞 773-717-2227 ✉️ ChicagoBDB@gmail.com