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2025년까지 몇 년간 부동산 시장은 많은 분들이 멈춰   섰다는   느낌을 받으실 만큼 거래가 조용했던 시기였습니다. 그런데  2026년을 앞두고 여러 지표와 전망이 조금씩 달라지고 있는 모습 입니다. 단지 “활기가 생긴다”는 막연한 기대가 아니라, 구체적인   변화들이   누적되어   시장에   긍정적인   영향을   줄   조짐이   나타나고   있습니다 . 이 글에서는 올해 말까지 나온 주요 데이터를 바탕으로,  왜 2026년 주택 시장을 낙관적으로 볼 수 있는지 , 그리고  이 흐름을 어떻게 여러분의 거래 전략에 적용할 수 있는지  차분하게 살펴보겠습니다. 1. 더 균형 잡힌 시장으로 변화하고 있음 전문가들이 공통적으로 지적하는 점은, 2026년 시장이 단순한 반등이 아니라  더 균형 잡히고 명확한 방향성을 가지는 국면으로 접어들고 있다는 것입니다. Realtor.com의 수석 경제학자는, 과거 몇 년간 매수자·매도자·임차인 모두에게 쉽지 않았던 시장이 2026년에는 조금   더   건강한   형태로   나아갈   것이라고 평가하고 있습니다. 그리고 미국부동산중개인협회(NAR) 역시  “기회(opportunity)”라는 단어를 가장 많이 사용하는 전망을 내놓으며 ,  모기지 금리가 조금 낮아지고 매물 공급이 늘어나면 선택지가 확대될 것 이라고 언급했습니다. 이처럼 여러 기관의 평가가  공통적으로 시장의 개선 방향을 지적하고 있는 것 은, 단지 기대감이 아니라 현실적인   흐름으로 해석할 수 있습니다. 2. 모기지 금리와 구매 여건의 점진적 개선 최근의 자료를 보면, 미국의  모기지 금리가 이전보다 낮아지는 방향으로 움직이고 있습니다.  한때 7% 가까이 오르며 많은 분들이 주춤했던 것이 사실이지만, 조금씩 안정되는 모습이 여러 지표 상에서 나타나고 있습니다. 이는 매수자에게  실제적인 구매 여건의 개선 을 의미합니다.  물론 금리가 갑자기 크게 떨어진 것은 아니지만, 완만하게   감소하는   추세만으로도 매달 지불해야 할 금액이나 구매 여력에 긍정적인 영향을 줍니다. 많은 전문가들은 이를 “시장 회복의 기반이 되는 신호”로 보고 있습니다.  3. 매물 증가와 선택지 확대 또한 최근에는 매물   공급이   점차   늘어나고   있다는   신호도 보이고 있습니다. 과거에는 주택 보유자들이 낮은 기존 금리 때문에 움직이지 않았지만, 이제는 금리가 안정되면서 이사나   판매를   고민하는   셀러들도   다시   시장에   나올   가능성이   높다는   분석입니다.  매물 공급이 늘어나면 바이어는  더 많은 선택지 가운데 자신에게 맞는 집을 찾을 수 있는 기회 가 커지고, 셀러에게는  적절한 가격대와 전략으로 더 많은 관심을 받을 수 있는 환경 이 됩니다. 이런 균형 움직임은 시장이   다시   활기를   찾는   중요한   신호입니다. 4. 지역별 차이는 있지만 전반적 방향은 긍정적 물론 모든 지역이 동일한 속도로 움직이는 것은 아닙니다. 일부 시장은 가격 상승이 빠르거나 거래가 활발한 반면, 다른 지역은 아직 회복이 더딜 수 있습니다. Bright MLS의 수석 이코노미스트는 이러한 지역별   차이를 강조하면서도,  전국적으로 보면 개선 방향이 명확하다고 평가했습니다.   예를 들어 일부 인기 도시에서는 여전히 가격 상승 압력이 있고, 반대로 안정적인 가격 흐름을 보이는 도시들은 바이어에게는   접근성이   오히려   좋아진   시점이기도 합니다. 이처럼  지역마다 특징이 다른 시장 환경 을 잘 이해하는 것이 매우 중요합니다. 5. 지금 행동할 때입니다 — 변화를 기회로 만드세요 지금처럼 시장이 천천히   방향을   잡아가는   시기일 때에는, 단순히 관망하는 것보다  전략적으로 움직이는 것이 더 큰 결과를 가져옵니다. 매수자라면  선택지가 늘어나는 초기 신호 를 활용해 조건에 맞는 집을 찾아볼 수 있습니다. 셀러라면  가격 안정과 수요 회복의 조짐 을 바탕으로 매물   준비와   노출   전략을 미리 점검할 수 있습니다. 2026년은 단순히 “언젠가 좋아질 날”이 아니라,  지금 구체적으로 준비할 때 미래의 결과로 이어질 수 있는 시기 입니다.

Over the past few years leading into 2025, the housing market felt unusually quiet.High mortgage rates and uncertainty caused many buyers and sellers to pause. As we approach  2026 , however, multiple indicators suggest that the market is beginning to shift — not through sudden excitement, but through  steady, meaningful improvements . These changes point toward a healthier and more balanced housing market ahead. Below is a calm, data-based look at why 2026 is shaping up to be more optimistic — and how you can turn this shift into a smart strategy. 1. The Market Is Moving Toward Better Balance One theme experts consistently agree on is that 2026 won’t be about a dramatic rebound, but rather a  more balanced and stable market . The Chief Economist at  Realtor.com  notes that after several difficult years for buyers, sellers, and renters alike, the market is expected to move into a healthier phase.Similarly, the  National Association of Realtors (NAR)  frequently uses the word  “opportunity”  when describing 2026, pointing to improving mortgage rates and rising inventory that will expand choices for consumers. When multiple institutions share the same outlook, it’s less about hope — and more about a  realistic trend . 2. Gradual Improvement in Mortgage Rates and Buying Conditions Recent data shows that mortgage rates are slowly trending downward from the highs near 7% that discouraged many buyers.While rates haven’t dropped sharply, even  gradual stabilization and modest declines  can meaningfully improve affordability. Lower rates translate into: Lower monthly payments Improved buying power More confidence among buyers Many economists see this trend as a  foundation for market recovery , rather than a short-term fluctuation. 3. Rising Inventory Means More Choice Another encouraging signal is the  gradual increase in housing inventory .Previously, many homeowners stayed put because of ultra-low existing mortgage rates. As rates stabilize, more sellers are becoming open to moving, downsizing, or upgrading. More listings benefit both sides: Buyers  gain more options and flexibility Sellers  can attract attention with the right pricing and preparation This growing balance between supply and demand is a strong indicator of a healthier market environment. 4. Regional Differences Exist — But the Overall Direction Is Positive Not all markets are moving at the same pace. Some areas are experiencing stronger price pressure, while others remain more stable. The Chief Economist at  Bright MLS  emphasizes these regional differences, but also notes that  the national trend points clearly toward improvement . In some high-demand cities, prices may continue rising, while in more stable markets, buyers may find better accessibility and value. Understanding  local market dynamics  is more important than ever. 5. Now Is the Time to Act — Turn Change Into Opportunity Periods of transition are often the best times to act strategically. Buyers  can take advantage of early inventory growth to secure homes that match their needs before competition increases. Sellers  can prepare listings, pricing, and marketing strategies ahead of a more active market. 2026 isn’t just a future promise — it’s a market that rewards  preparation made today . Final Thoughts The 2026 housing market is shaping up to be:✔ More balanced✔ More predictable✔ Richer in opportunity Rather than waiting on the sidelines, now is the moment to understand the trend and plan your next move. If you’re considering buying or selling in  Chicago or the surrounding Illinois areas , let’s review the data and build a strategy that fits your goals. 📞  Sang Chul Han 773-717-2227 ✉️  ChicagoBDB@gmail.com

최근 애리조나에서 한 주택 소유자가 약 130만 달러짜리 고급 주택을 추첨 방식으로 판매하려다 규제 당국의 제재를 받는 일이 있었습니다. 티켓 한 장에 10달러만 내면 고급 주택을 가질 수 있다는 점 때문에 많은 관심을 끌었지만, 결국 불법 도박 행위로 간주되어 무산된 것입니다. 반면 같은 플랫폼을 이용해 텍사스에서는 700만 달러 규모의 리조트를 추첨 형식으로 성공적으로 판매한 사례도 있었습니다. 이처럼 주마다 법이 다르다 보니 혼란이 발생하고 있으며, 그 과정에서 셀러들이 어떤 우회 방식을 시도하는지에 대한 논의가 이어지고 있습니다. 왜 주택 추첨은 불법일까? 표면적으로는 단순한 마케팅 전략처럼 보이지만, 법적으로는 복잡한 문제가 얽혀 있습니다. 대부분의 주에서는 돈을 지불하고 당첨 가능성을 얻는 행위를 복권으로 간주하며, 이는 강하게 규제됩니다. 일부 주에서는 비영리단체만 주택 추첨을 운영할 수 있고, 그마저도 엄격한 등록 절차와 규칙을 따라야 합니다. 따라서 개인이나 영리 목적의 시도가 대부분 불법으로 분류되는 것입니다. 추첨 대신 더 안전한 대안: 1달러 리스팅 그렇다면 법적 문제를 피하면서도 주목을 끌 수 있는 방법은 무엇일까요? 최근 미국에서는 집을  1달러 리스팅 으로 내놓는 방식이 점점 늘어나고 있습니다. 실제로 1달러에 거래되는 것이 아니라, 사람들의 관심을 모아 입찰 경쟁을 유도하는 전략입니다. Realtor.com 자료에 따르면 2025년 6월 한 달 동안 512건의 주택이 1달러로 리스팅되었으며, 이는 2023년 같은 시기 대비 82.9% 증가한 수치입니다. 이 방식은 온라인에서 화제를 모으고, 구매자들의 발길을 끌어 모아 결국 경쟁 입찰로 이어질 수 있다는 장점이 있습니다. 전통적인 경매와 유사한 구조이기 때문에 법적으로도 안전합니다. 셀러들이 창의적 전략에 나서는 이유 현재 미국 주택 시장은 높은 모기지 금리와 늘어난 매물, 그리고 바이어 피로감으로 인해 과거처럼 집이 빠르게 팔리기가 쉽지 않습니다. 특히 시카고와 같은 대도시 주변 시장에서도 예전의 셀러 우위 상황에서 점차 균형 잡힌 시장으로 옮겨가고 있습니다. 이런 상황 속에서 셀러들은 집을 돋보이게 만들기 위해 더 창의적인 전략을 찾고 있습니다. 단순히 추첨이나 이벤트를 여는 것보다, 1달러 리스팅 같은 안전한 전략이나, 독특한 마케팅 포인트를 활용하는 방법이 실제 거래로 이어질 가능성이 높습니다. 예를 들어 캘리포니아에서는 미니어처 말을 마케팅에 활용해 화제가 된 사례도 있습니다. 이처럼 창의성과 진정성이 결합되면 시장에서 큰 주목을 받을 수 있습니다. 결론: 창의성은 필요하지만 합법성이 우선이다 주택 판매를 위해 창의적인 시도를 하는 것은 분명 효과적입니다. 그러나 법적으로 문제가 생길 수 있는 추첨이나 규제되지 않은 프로모션은 피하는 것이 바람직합니다. 그 대신 합법적이면서도 사람들의 관심을 끌 수 있는 방식—예컨대 1달러 리스팅, 독창적인 마케팅 스토리텔링—을 적극 활용하시길 권해드립니다. 지금과 같이 경쟁이 치열하고 바이어들의 선택지가 늘어난 시기에는 집을 어떻게 포지셔닝하느냐가 성패를 가릅니다. 주택 판매나 구매를 고려하고 계시다면, 단순한 노출을 넘어 실제 계약으로 이어질 수 있는 전략을 전문가와 함께 준비하시길 바랍니다. 시카고 복덕방 한상철  773-717-2227,  ChicagoBDB@gmail.com

Recently in Arizona, a homeowner tried to sell a $1.3M luxury property by raffle—tickets were just $10 each for a chance to win the home. While it drew attention, regulators shut it down, classifying it as  illegal gambling . By contrast, in Texas, a $7M resort was successfully sold on the same platform using a raffle-like approach. The difference?  State laws vary widely , causing confusion and tempting sellers to test loopholes. Why Are Home Raffles Illegal? While they may look like creative marketing, legally they are complex. In most states,  paying money for a chance to win a home is considered a lottery , which is heavily regulated. Some states allow raffles, but usually only by nonprofits and under strict licensing rules. For individuals and for-profit sellers, these schemes are almost always illegal. A Safer Alternative: $1 Listings So what’s the legal way to attract buyers while creating buzz? One popular strategy is the  $1 listing . This doesn’t mean the home actually sells for $1. Instead, it sparks interest and generates competitive bidding. According to Realtor.com , in  June 2025, 512 homes were listed at $1 , an  82.9% increase from June 2023 . This approach: Grabs online attention Brings more buyers into the process Works like a traditional auction, making it legally sound Why Sellers Are Getting Creative High mortgage rates, growing inventory, and buyer fatigue mean homes aren’t selling as fast as they used to. Even in markets like Chicago, where demand is still steady, the balance between buyers and sellers is shifting. That’s why sellers are experimenting with marketing—whether through  $1 listings, creative storytelling, or unique promotional hooks  (for example, a California seller famously used miniature horses to draw attention to their property). Final Thoughts: Creativity + Legality = Success Creative marketing can absolutely help a home stand out. But strategies like raffles often bring legal trouble instead of results. Sellers are better off focusing on  legal, eye-catching methods  like $1 listings or unique marketing campaigns that highlight the property’s story. In today’s competitive market,  positioning is everything —and combining creativity with compliance gives sellers the best chance at a quick, successful sale. 📌  If you’re planning to sell or buy a home, partner with an expert who can build a strategy that leads not just to exposure, but to a signed contract. Chicago BDB | Hansang Chul 📞 773-717-2227 | 📧  ChicagoBDB@gmail.com

많은 분들이 주택 구매를 생각하면서 전통적인  봄 시즌(3~5월) 을 가장 좋은 때로 여깁니다. 하지만 최근 부동산 데이터를 보면  1월처럼 비수기인 겨울 시즌이 예산을 절약하고 경쟁을 줄일 수 있는 기회 가 될 수 있다고 합니다. (turn0view0) 이번 글에서는 1월이 왜 주택 구매에 유리할 수 있는지, 그리고 지금 시장에서 어떻게 움직여야 유리한 조건을 만들 수 있는지를 설명해 드리겠습니다. 왜 1월이 기회를 줄 수 있을까요? 1. 겨울은 가격과 경쟁 측면에서 유리한 시기입니다 통상적으로 봄·여름에는 많은 바이어가 활동을 활발히 하고 매물도 많이 나와 경쟁이 치열해지는 시기입니다. 반면 1월과 같은 겨울철은  바이어가 상대적으로 적고 경쟁이 덜합니다.  이로 인해  비딩 전쟁(여러 바이어 간 경쟁 입찰) 이 줄어들며 협상력을 높일 수 있습니다. 겨울은 느리게 움직이는 시장 특성 때문에  집값 측면에서도 가격이 낮아지는 경향 이 있습니다. 실제로 과거 데이터를 보면 1월에 거래가 성사된 주택의 경우, 봄시즌에 비해  평균 약 2~3만 달러가량 더 저렴한 가격 에 마무리된 사례도 있습니다. (turn0view0) 2. 판매자의 동기와 협상 여지 확대 겨울철에는  주택을 진짜로 팔고 싶은 판매자(seller) 들이 시장에 남아 있는 경우가 많습니다. 봄철을 기다리지 않고 겨울에 매물을 유지하거나 등록해 놓은 판매자는  가격·마감조건·수리비용 등 다양한 부분에서 협상 여지가 생기기 쉽습니다.  이렇게  비수기에 집중된 거래에서는 바이어가 더 유리한 조건을 이끌어낼 수 있는 여건 이 마련될 수 있습니다. (turn0view0) 3. 지금의 시장 상황과 조화시키는 전략 현재 미국 모기지 금리는 여전히  6%대 초반 수준 을 유지하고 있기에 큰 폭의 금리 하락은 아니지만, 최근 안정적인 흐름을 보이며 바이어가 실질적인 구매 계획을 세우기 좋은 환경입니다. (turn0news5) 그리고 계절적 패턴이 전통적인 “봄·여름 시즌 정점”으로만 작동하지 않고, 겨울에도  물량과 경쟁 조건이 바뀌고 있는 점이 나타났습니다.  이는 더는 전통적 관점만으로 시장을 판단할 수 없다는 뜻이기도 합니다. (turn0search1) 시카고/일리노이 지역 역시 비수기임에도 거래량이 완전히 멈추지는 않고 있습니다. 특히 인벤토리가 상대적으로 안정된 지역에서는  겨울에도 관심 있는 매물이 꾸준히 소화되고 있으며, 경쟁이 덜한 1월에 계약으로 이어지는 사례 도 늘고 있습니다. 4. 이렇게 준비하세요 — 겨울 구매 전략 1) 예산 계획을 미리 정리하세요 겨울은 경쟁이 적지만, 그렇기 때문에 좋은 매물을 발견하면 빠르게 움직여야 합니다. 사전에  예산과 대출 한도, 마감 조건  등을 분명히 정리해 놓는 것이 중요합니다. 2) 우선순위 리스트를 만들되 유연하게 접근하세요 완벽한 집을 기다리기보다는  우선순위 조건(위치·방 수·예산 한도 등) 을 세우되, 비수기에는 일부 조건을 재검토하거나 타협점을 찾는 것이 바이어에게 유리할 수 있습니다. 3) 로컬 에이전트의 전문성을 활용하세요 시카고/일리노이 같은 복합 시장에서는  지역별 움직임이 다양 합니다. 원하는 구역의 인벤토리 변화를 면밀히 체크하고, 매물 나올 때 바로 대응할 수 있도록 준비하는 것이 성공의 핵심입니다. 오늘의 결론 — 1월도 좋은 기회입니다 봄·여름만이 최적의 구매 시기는 아닙니다. 오히려  경쟁이 적고 협상이 쉬운 1월이 예산을 절약하고 더 나은 조건을 이끌어낼 수 있는 중요한 시점 일 수 있습니다. 지금처럼 시장이 안정된 흐름을 보이는 시기에는 언제 움직이느냐가 큰 차이를 만들 수 있습니다. 시장에서 기회를 잡고 싶다면 지금이 바로 움직일 때입니다. 지금 준비하셔서 더 유리한 거래를 이루시길 바랍니다.

Many buyers traditionally believe that  spring (March–May)  is the best season to purchase a home.However, recent real estate data suggests that  January and the winter off-season  can actually offer buyers  lower prices, less competition, and stronger negotiating power . Here’s why January may be one of the smartest times to buy — and how to position yourself for success in today’s market. Why January Can Be a Hidden Opportunity 1. Less Competition, Better Pricing During spring and summer, buyer activity surges and competition intensifies.In contrast,  January typically has fewer active buyers , which means: Fewer bidding wars More room for negotiation Less pressure to overpay Historical data shows that homes purchased in January have often sold for  $20,000–$30,000 less on average  compared to peak spring months. 2. More Motivated Sellers Sellers who list or keep their homes on the market during winter are often  serious about selling .Unlike spring sellers who can “test the market,” winter sellers are more likely to negotiate on: Price Closing costs Repairs Closing timelines This creates a more buyer-friendly environment. 3. How This Aligns With Today’s Market Mortgage rates are currently holding in the  low-6% range  — not dramatically low, but  stable enough  for buyers to plan with confidence. Additionally, market activity is no longer limited to traditional seasonal patterns.Winter no longer means a frozen market — especially in areas with steady inventory. In  Chicago and Illinois , transactions continue even during the off-season, and many buyers are successfully securing homes in January with  less competition than they’d face in spring . How to Prepare for a Smart Winter Purchase 1️⃣ Finalize Your Budget Early When competition is lower, the best opportunities still require  quick action .Know your budget, loan limits, and preferred terms in advance. 2️⃣ Set Priorities — Stay Flexible Define your must-haves (location, price range, bedrooms), but be open to adjusting secondary features.Flexibility often leads to better deals in the winter market. 3️⃣ Work With a Local Expert Markets vary neighborhood by neighborhood.A local agent can monitor inventory closely and help you act quickly when the right opportunity appears. Bottom Line — January Can Be a Powerful Buying Window Spring isn’t the only time to buy a home. In fact,  January’s lower competition and stronger negotiation leverage  can help buyers save money and secure better terms. In a stable market like today’s,  when you buy can matter just as much as what you buy . If you want to take advantage of this window, now is the time to prepare.

많은 분들이 정기적으로 점검하지 않는 부분 중 하나가 바로  내 집의 현재 가치와 쌓여온 홈에퀴티(Home Equity) 입니다. 사실 주택은 대부분 가정에서 가장 큰 자산이며, 몇 년 이상 보유했다면 모르는 사이에 큰 부를 쌓아왔을 가능성이 높습니다. 최근 시장 변동에도 불구하고, 상당수의 가정은 여전히 상당한 수준의 에퀴티를 보유하고 있습니다. 홈에퀴티란 무엇인가? 홈에퀴티는 집의 현재 시장 가치에서 남은 모기지 대출금을 뺀 금액을 의미합니다. 예를 들어, 현재 주택의 가치가 50만 달러이고, 남은 대출금이 20만 달러라면 30만 달러의 에퀴티를 보유하고 있는 셈입니다. 최근 Cotality 자료에 따르면, 모기지를 보유한 평균 미국 주택 소유자의 홈에퀴티는 약  30만 2천 달러 에 달한다고 합니다. 왜 지금 에퀴티가 많을까? 주택 가격 상승 효과 연방주택금융청(FHFA)에 따르면 지난 5년간 전국 주택 가격은 약 54% 상승했습니다. 시카고 및 일리노이 지역도 마찬가지로 꾸준한 상승세를 보였으며, 특히 교외의 인기 지역은 여전히 셀러마켓을 유지하고 있습니다. 몇 년 전 구매한 주택이라면 현재 가치가 크게 올라있을 가능성이 큽니다. 보유 기간 증가 전미부동산협회(NAR)에 따르면 평균 주택 소유 기간은 약 10년으로 늘어났습니다. 이 기간 동안 꾸준히 모기지 상환을 해온 것만으로도 큰 폭의 에퀴티가 쌓이게 됩니다. 실제로 지난 10년간 평균적으로 주택 소유자들은 단순 가격 상승만으로도 약 20만 달러 이상 부를 축적했다고 분석됩니다. 쌓여온 에퀴티, 어떻게 활용할 수 있을까? 에퀴티는 단순히 장부상의 숫자가 아니라, 다양한 재정적 기회를 열어주는 자산입니다. 차기 주택 구매 : 에퀴티를 다운페이먼트로 활용하거나, 경우에 따라 현금 구매까지 가능해집니다. 주택 리노베이션 : 현재 생활 방식에 맞게 리모델링하고, 장기적으로는 집의 가치까지 높일 수 있습니다. 사업 투자 : 창업이나 새로운 비즈니스 기회를 위한 초기 자본으로 활용할 수도 있습니다. 결론 많은 분들이 집의 가치를 과소평가하거나 확인조차 하지 않고 계십니다. 그러나 주택은 단순한 거주 공간을 넘어, 여러분의 가장 큰 자산이자 재정 계획의 핵심 축입니다. 지금 집의 가치가 얼마나 올랐는지, 내가 보유한 에퀴티가 얼마나 되는지 확인하는 것이 미래의 전략적 결정을 내리는 첫걸음입니다. 집의 현재 가치를 정확히 알고 싶으시다면, 전문가와 상담하여 수치를 검토해 보시길 권해드립니다. 준비된 사람에게 더 큰 기회가 열리기 때문입니다.

Home equity is the difference between your home’s current market value and the remaining balance on your mortgage.For example: if your home is worth  $500,000  and you still owe  $200,000 , your home equity is  $300,000 . According to recent data from  Cotality , the average U.S. homeowner with a mortgage has about  $302,000 in home equity . Why Homeowners Have Built Significant Equity Home Price Appreciation The  Federal Housing Finance Agency (FHFA)  reports that national home prices have risen  about 54% in the past five years . In Chicago and Illinois, suburban markets in particular remain strong seller’s markets, meaning many homeowners have seen substantial gains. Longer Ownership Periods The  National Association of Realtors (NAR)  notes that the average homeowner now stays in their home for about  10 years . With consistent mortgage payments over that period, equity builds steadily. In fact, over the last decade, homeowners on average accumulated  $200,000+ in wealth simply from appreciation and repayment . How Can You Use Your Home Equity? Home equity isn’t just a number on paper—it’s a powerful financial resource: Next Home Purchase : Use equity for a larger down payment or even an all-cash purchase. Home Renovation : Remodel to suit your lifestyle while boosting long-term value. Business Investment : Tap into equity for startup or business growth capital. Final Thoughts Many homeowners underestimate—or never check—the value they’ve built up. But your home is likely your  biggest asset  and a central piece of your financial plan. Knowing your current home value and equity is the  first step to making smarter decisions for the future . 📌  If you’d like to know exactly how much equity you’ve built, connect with a trusted local expert to review the numbers. Prepared homeowners have the best opportunities. Chicago BDB | Hansang Chul 📞 773-717-2227 | 📧  ChicagoBDB@gmail.com

최근 주택시장에서 가장 큰 화두 중 하나는 모기지 금리입니다. 많은 분들이 금리가 오를 때마다 망설이고, 혹시 5%대 초반까지 내려가면 집을 사야겠다고 기다리고 계십니다. 하지만 과연 그 기다림이 실제로 큰 차이를 만들어낼까요? 6%와 5.99%의 실제 차이 전미부동산중개인협회(NAR)는 30년 고정 모기지 금리가 6%까지 내려가면 약 550,000가구가 새로 주택시장에 진입할 수 있다고 분석했습니다. 다시 말해, 5.99%라는 ‘심리적 마지노선’ 은 수많은 대기 수요를 자극할 수 있는 기준선입니다. 그런데 실제 금액으로 환산해 보면 차이는 크지 않습니다. 예를 들어 40만 달러 대출을 받았을 때, 현재 약 6.2% 금리와 5.99% 금리의 월 상환액 차이는 약 50달러 정도입니다. 이는 주말 외식이나 배달 한두 번을 줄이는 수준에 불과합니다. 하지만 금리가 내려가면서 바이어들이 대거 시장에 진입하게 되면 상황은 달라집니다. 경쟁이 치열해지고 매물이 빠르게 소진되면서 집값이 오르게 되는데, 이렇게 되면 금리 하락 효과보다  집값 상승 압박 이 더 크게 다가올 수 있습니다. 지금 움직이는 것이 유리한 이유 현재 시점에서 금리가 약 6.2% 수준에 머물고 있는데, 이는 이미 연초 7%대에서 내려온 수치입니다. 일부 바이어들은 이 구간을 ‘기회의 창’으로 보고 다시 시장에 들어오고 있습니다. NAR 부수석 이코노미스트 Jessica Lautz는 최근 인터뷰에서, 지난 5주간 평균 6.3%대 금리가 유지되면서 바이어들의 선택지가 넓어졌고 주택 매수 심리가 점차 회복되고 있다고 설명했습니다. 또한 뱅크오브아메리카의 Matt Vernon은, 원하는 금리가 올 때까지 기다리기보다는 본인의 재정 상황과 원하는 집이 적합한지를 먼저 따져보는 것이 현명하다고 강조했습니다. 결론: 기다림보다 행동이 낫습니다 많은 분들이 금리가 5%대 후반으로 떨어지기를 기대하고 있지만, 정작 그 시점에는  경쟁 심화와 가격 상승 으로 인해 더 큰 부담을 안게 될 가능성이 큽니다. 따라서 지금 시장에서 충분히 감당 가능한 집을 찾으셨다면, 망설이지 않고 적극적으로 움직이시는 것이 더 현명한 선택일 수 있습니다.

One of the biggest topics in today’s housing market is  mortgage rates .Many buyers hesitate every time rates move and say,  “I’ll buy once rates fall into the mid-5% range.” But does waiting for that number actually make a meaningful difference? The Real Difference Between 6% and 5.99% According to the  National Association of Realtors (NAR) , if the 30-year fixed mortgage rate drops to  6% , nearly  550,000 additional households  could re-enter the housing market. That means  5.99% is a psychological trigger point  — a number that could unleash a large wave of waiting buyers. But when you look at the math, the difference is surprisingly small. For example:On a  $400,000 loan , the monthly payment difference between roughly  6.2% and 5.99%  is about  $50 per month  — roughly the cost of one or two takeout meals. However, once rates dip and large numbers of buyers rush back in, the situation changes quickly: Competition increases Homes sell faster Prices often rise In that case,  price increases can outweigh the benefit of the lower rate . Why Acting Now Can Be the Smarter Move Mortgage rates are currently hovering around  6.2% , already down from the  7% range earlier this year .Many buyers see this as a  window of opportunity  and are stepping back into the market. NAR Deputy Chief Economist  Jessica Lautz  recently noted that with rates averaging in the low-6% range over the past several weeks, buyers are seeing more options and  confidence in purchasing is gradually improving . Meanwhile,  Matt Vernon from Bank of America  emphasizes that instead of waiting for a “perfect” rate, buyers should focus on whether: The home fits their needs The payment fits their budget The timing fits their life Bottom Line: Action Often Beats Waiting Many buyers are hoping for rates to drop into the high-5% range.But by the time that happens,  competition and home prices may be significantly higher , creating even more pressure. If you find a home today that you can comfortably afford,  moving forward now may be the wiser decision  — especially while inventory is higher and negotiation power still exists.   Is the Difference Between a 6% and 5.99% Mortgage Rate Really Worth Waiting For? One of the biggest topics in today’s housing market is  mortgage rates .Many buyers hesitate every time rates move and say,  “I’ll buy once rates fall into the mid-5% range.” But does waiting for that number actually make a meaningful difference?

최근 부동산 시장에서는 단순한 계절적 움직임을 넘어서  바이어 수요가 점차 회복되는 신호 가 나타나고 있습니다. 지난 몇 년간 금리 부담 때문에 주춤했던 매수 움직임이 다시 힘을 얻고 있으며, 이는 특히 2026년을 향해 가는 중요한 전환점이 될 수 있습니다.  모기지 금리 하락이 시장을 깨우다 그동안 높은 모기지 금리 탓에 많은 바이어가 관망세를 유지해 왔지만, 최근에는 금리가 낮아지면서  주택담보대출 신청 건수가 올해 들어 가장 높은 수준 으로 증가했습니다. 이처럼 금리가 조정되면서 “지금이 주택 구매 타이밍”이라고 판단하는 바이어들이 다시 시장에 진입하고 있습니다. 이러한 변화는 단순한 일시적 현상이 아니라  지속적인 매수 활동의 회복 신호로 해석할 수 있습니다.   계약 체결(펜딩 세일) 증가 — 실거래로 이어지는 흐름 바이어들이 주택을 찾고 끝까지 거래를 진행하는 것을 보여주는 또 다른 지표는  펜딩 세일(계약 단계에 진입한 거래)  증가입니다. 가장 최근 보고에서는 펜딩 세일 지수가 연중 최고치를 기록했다고 합니다. 이는 단지 관심만 있는 것이 아니라 실제로  바이어들이 집을 계약하려는 움직임이 강해지고 있다 는 뜻입니다.  내년 시장 전망과 지금의 전략 많은 전문가들이 2026년에는  거래량이 올해보다 소폭 증가할 것 이라는 전망을 내놓고 있습니다. 물론 모든 시장이 갑자기 활기를 띠는 ‘서지(surge)’는 아니지만, 지금의 트렌드는  지속적이고 안정적인 회복 방향 입니다.  그렇다면 이런 흐름은 실제로 부동산을 팔고자 하는 분들에게  어떤 의미 일까요? 셀러 입장에서 지금 행동해야 하는 이유 1. 수요 회복의 초기에 시장에 나서는 전략이 유리합니다 바이어 수요가 다시 회복 단계에 접어들고 있다는 것은  경쟁이 덜할 때부터 노출을 시작할 수 있는 기회 가 있다는 뜻입니다. 특히 가격과 스테이징이 적절한 매물은 더 빠르게 관심을 끌 수 있습니다.  2. 잠재 바이어가 기다리고 있다는 신호 오랫동안 관망하던 바이어들이 다시 움직이기 시작했기 때문에,  좋은 조건의 매물은 빠르게 접촉과 계약으로 이어질 가능성 이 높아졌습니다. 현 시장은 머뭇거리기보다는 기회를 잡아 움직이는 것이 강점으로 이어질 수 있습니다.  3. 시장 속도는 예측보다 빠를 수 있습니다 펜딩 세일 지수와 모기지 신청 증가 지표는  잠깐의 반등이 아니라 꾸준한 회복 흐름 을 보여줍니다. 이런 흐름 속에서는  시점이 곧 전략 이 되는 만큼, 너무 늦지 않게 시장에 나서 보시는 것이 현명할 수 있습니다.  시카고/일리노이 시장에도 적용되는 전략 시카고와 일리노이 지역에서도 최근 수요 회복의 조짐이 나타나고 있습니다. 계절적 거래로 인한 일시적 비활성화를 지나, 금리 안정과 시장 전망 호전으로 다시 바이어 관심이 증가하고 있습니다. 특히 지역 내 학교, 출퇴근 접근성, 생활 편의성 등의 경쟁력 있는 요소를 갖춘 매물은  관심이 집중되는 경향 을 보이고 있습니다. 이런 흐름은 단지 가격만의 경쟁이 아니라  타이밍과 전략으로 경쟁하는 시장 입니다. 전문가와 함께 매물 준비부터 마케팅, 오퍼 대응까지 체계적으로 준비하신다면 분명한 기회를 잡을 수 있습니다. 오늘의 결론 — 지금이 바로 시작할 때입니다 바이어 수요 회복의 신호는 단지 뉴스가 아닌  실제 거래 지표로 나타나고 있습니다.  수요가 회복되는 초기에 시장에 나서서 매물을 준비하고, 전략적으로 접근하신다면  성공적인 거래로 이어질 가능성 이 커집니다.

Buyer demand is showing real signs of revival , and this shift isn’t just seasonal. After several years of hesitation driven by high mortgage rates, buyers are officially re-entering the market — and that momentum is expected to continue into 2026. For sellers, this is an important turning point. Mortgage Rate Drops Are Re-Activating Buyers For years, elevated mortgage rates kept many buyers on the sidelines.But recent rate declines have changed the mood dramatically: Mortgage applications have climbed to their highest level this year Buyers who were waiting for affordability to improve are now re-entering the market This is not a temporary spike — it is a meaningful sign of  renewed demand Lower monthly payments are convincing buyers that  now might be the right time  to move. Pending Home Sales Are Rising — A True Measure of Market Strength Another important metric?  Pending sales , which capture homes that have moved into contract. The most recent reports show the pending-sales index reaching its highest point of the year.This means: Buyers aren’t just browsing They’re writing offers Transactions are moving toward closing When buyers start taking action, sellers benefit — especially early in the recovery cycle. What This Means for 2026 Most experts expect  moderate but steady growth  in transaction volume next year.Not a wild surge — but a meaningful, stable strengthening. And in a strengthening market,  timing matters . Why Sellers Should Act Now 1. The early phase of demand recovery is the most strategic time to list Competition from other listings is still manageable — but buyer interest is rising.Well-priced, well-prepared homes stand out quickly. 2. Serious buyers are waiting — and they’re motivated After years of delay, many buyers are ready to move as soon as the right home appears.If your home is positioned correctly, it can attract fast interest and stronger offers. 3. Market momentum can shift faster than expected Pending-sales and mortgage-application trends show  steady, repeatable growth  — not a one-time bump.Entering the market before competition increases is often the smartest move. How This Applies to the Chicago / Illinois Market Chicago and its surrounding suburbs are seeing the same recovery signals: Increased buyer inquiries Improved affordability from stabilizing mortgage rates Strong interest in homes with good schools, commute access, and neighborhood amenities This is no longer a “wait and see” market — it’s a  timing and strategy  market.Sellers who prepare early, price correctly, and market effectively will be in the strongest position. Bottom Line — Now Is the Moment to Start Buyer demand is not just returning — it’s strengthening.Entering the market during the early recovery gives you: ✔ Greater visibility✔ Less competition✔ Motivated buyers✔ A clearer path to a strong sale If you’re considering selling in 2025 or 2026,  preparing now gives you the advantage .