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Keep Your Christmas Tree Alive From Day One

by Don Roth

If your idea of decking the halls includes a live evergreen heavy with lights and tinsel, you’re not alone. In fact, over 29 million households are getting a real tree this year to adorn their living rooms and twinkle through their front windows. Keep your perfect tannenbaum alive (with its needles intact) by following these easy steps:

Inspect the Needles

When you’re at the nursery picking out your tree, inspect the needles – they should feel flexible, not dry and brittle.

Trim Your Tree

Before you put your tree in its stand, cut off the bottom inch of the trunk to provide a fresh surface for water uptake.

Water the Tree

As soon as possible, get the tree in water. The base of the tree should never dry out, so make sure your water bowl doesn't become empty! A basic rule of thumb is that a typical tree will absorb a quart of water each day for every inch of trunk diameter.

Give 'Em Something Sweet

This is up for debate, but some people swear by adding sugar, aspirin or corn syrup to their tree’s water. While there is no scientific data backing these substances, we say don’t knock it ‘til you try it. If sugar has worked for you in the past, keep on adding the sweet stuff!

Block the Sun

Keep your tree away from direct sunlight, heaters and fans because these things will speed up the drying-out process.

Keep It Humid

If you have a humidifier in your house, put it in the tree-room. It will help keep the needles fresher long, as well as reduce the risk of fire.

If all of this seems like too much work, opt for a potted tree instead. You can find them at your local nursery. Bonus: Instead of slowly dying in your living room, potted trees can be donated to the parks department or replanted in your yard come January!

Information provided by BrightNest.com.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

All Quiet on the Mortgage Front

by Don Roth

The mortgage market has been subdued, and we don't expect that to change until Dec. 6 when the all-important November employment report is released. The report for October was exceptionally strong, and motivated a few Federal Reserve governors to ponder “tapering” the Fed's bond purchases in December.

If the employment numbers come in strong again (payroll growth above 200,000), the odds measurably increase that the Fed will undertake tapering as soon as December. The amount and pace of tapering – if any – is anyone's guess. But should the Fed begin to taper, mortgage rates will surely rise. How much they will rise, again, is anyone's guess, because the Fed will attempt to moderate any rate increase. Whether it can actually do that is another story.

We have to confess that we're still somewhat circumspect on the strength of the October employment numbers (which were likely hastily compiled). We would not be surprised to see them revised lower; nor would we be surprised to see payroll growth come in below the consensus estimate of 180,000. Economic growth appears to be gathering momentum, but still not enough to maintain payroll growth near 200,000 per month.

With that said, higher lending rates loom in the future – if not this month, then very likely within the next quarter. So at this point, waiting to buy a home with a purchase mortgage or waiting to refinance a current mortgage makes no economic sense.

Courtesy of Jessica Regan.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

Harrisburg PA Mortgage Market Recap – December 3, 2013

by Don Roth

Home Prices Continue to Chug Along

A month or so back we thought a slowdown in the rate of home-price appreciation was upon us. After all, data from the NAR and the Census Bureau pointed to stagnating national median home prices.

But the latest issue of the S&P/Case-Shiller Home Price Index suggests otherwise. The index showed prices in its 20-city index increased 0.9% month over month in September. For the second-consecutive month, prices increases swept all 20 cities. This latest increase lifted the year-over-year gain to an impressive 13.3%.

We'll be interested to see what Case-Shiller reports for October. Data we've seen from Zillow and CoreLogic suggest some slowing in the rate of price appreciation. Our own anecdotal experience also suggests some slowdown in more local markets. We'd like to see if empirical evidence bears this out.

Unfortunately, empirical evidence still bears out weak sales growth. The Pending Home Sales Index slipped 0.6% to a 102.1 reading in October. The index is at the lowest level in nearly 12 months. Contract signings were likely impacted by the government slowdown, which made verifying income difficult for anyone needing a purchase mortgage. At the same time, rising prices and low inventory continue to impede sales.

Given the strong price increases over the past year, we're surprised we haven't seen more homes come to market. Rising prices always increase supply. With housing, though, the increase has been less than we expected.

Nevertheless, we are seeing at least a marginal increase in inventory, which is up 3.2% for the year. To be sure, i nventory remains very low, but if it continues to increase, you can be assured that the rate of home-price appreciation will slow. Rising supply always leads to a slowdown in the rate of price growth, if not an outright price reduction (which we don't expect).

New construction is another factor in raising overall supply. The Census Bureau hasn't published housing starts in a couple months due to the government slowdown, but it did release data on permits. On that front, permits for residential construction increased to 1.034 million units on an annualized basis in October, a considerable increase over the 918,000 units in August.

Unfortunately, all the gains are attributable to the multi-family segment. Single-family permits posted at 620,000 units on an annualized basis in October, which is actually a decreased compared with the 627,000 units in August.

The encouraging news is that we've seen a recent uptick in purchase-mortgage activity. Now, we'd just like to see this recent uptick morph into a long-term trend.

Courtesy of Jessica Regan.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

Hibernate Your House: How to Prepare for Winter Chills

by Don Roth

You probably haven’t gotten your first blast of freezing weather yet, but winter is right around the corner. You wouldn’t go outside without a warm coat in December, so don’t leave your house defenseless against the elements, either!

Here are five ways to prep your house for winter:

Insulate Your Hot Water Heater

For a lot of homes, the hot water heater is one of the biggest energy users in the house. This is especially true if your heater is located in a non-insulated room like the garage. Just think how much harder your heater has to work to deliver those piping hot showers if it’s sitting in a 30 degree room! Consider adding an insulating blanket over your heater to maximize its efficiency this winter. For more ways to save energy and money, read: Inspect and Maintain Your Water Heater.

Bundle Up Your Attic and Crawlspaces

Gaps and holes in your insulation are similar to having gaps and holes in your coat. They kind of defeat the purpose. By repairing your insulation, you can save more than 20 percent on your utility bills this winter. To learn how, read: Inspect and Repair Your Insulation.

Protect Your Pipes

 When water freezes, it expands. If it’s inside a pipe when it expands, the water breaks the pipe and leaves you with a gargantuan repair bill. To prevent this, shut down your sprinkler system and hose spigots before the first big freeze of the year. To protect your indoor pipes, be sure to never set your thermostat below 55 degrees F (even if you’re going out of town for an extended period of time).

Schedule a Checkup for Your Furnace

We’re entering the prime furnace-usage season, so if there’s a problem, you want to take care of it now, not when it’s 10 degrees outside. Schedule a routine checkup for your furnace to make sure everything is kosher.

Perfect a Warm Drink

Now that your house is prepped for the cold, it’s time to get your winter libation figured out. If hot chocolate is your thing, nothing beats this indulgent Mexican hot chocolate recipe from Babble. For an adult version of the winter beverage, try this hot toddy from Tyler Florence.

Information provided by BrightNest.com.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

And What About Housing?

by Don Roth

The latest data on existing-home sales were something of a head-scratcher. Things didn't quite move the way we expected.

For one, prices on the national level continued to move higher, and meaningful so. The median price rose 0.5% to $199,500 in October. This latest increase pushed the year-over-year increase to 12.8%. Given the recent data on slowing price appreciation, we were expecting a less robust gain.

Nor were we expecting a continued reduction in existing-home inventory, which fell a third-consecutive month to 2.13 million units. The prospect of slowing price appreciation can motivate people to list their home. More people in positive-equity territory is another motivator. According to Zillow's Negative Equity Report, the national negative equity rate fell to 21% in the third quarter from 31.4% at its peak in the first quarter of 2012.

When asked about the direction of this market – both mortgage and housing – perhaps simply pointing in opposite directions and saying “ it's going that away ” isn't so silly.

Courtesy of Jessica Regan.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

Which Way Do We Go?

by Don Roth

There is a hoary comedy routine where a sheriff, pursuing a suspect, stumbles across the suspect in disguise. The sheriff, oblivious to the fact he's speaking to the suspect, asks, “Which way did he go?” The suspect crosses his arms, points in opposite directions, and replies, “He went that away.”

So much of this market feels like the comedy routine; much of the information is contradictory, if not opposing.

We look no further than the Federal Reserve, which was again the lead story this past week. Credit markets were focused on the minutes from the most recent meeting of Fed governors. Most Fed watchers were seeking an answer to the question “When will the Fed taper?” If you were to ask two pundits to provide an answer, you'd likely get two opposing answers.

One pundit could persuasively reason that tapering – the Fed's reduced monthly purchases of Treasury and mortgage-backed securities – is imminent. He could base his conclusion on this passage from the Fed minutes: "Participants also considered scenarios under which it might, at some stage, be appropriate to begin to wind down the [bond-buying] program before an unambiguous further improvement in the outlook was apparent.”

Another pundit could reasonably arrive at an opposing conclusion. She could base her interpretation on incoming Fed Chair Janet Yellen's views on unemployment, which she says is “still too high, reflecting a labor market and economy performing far short of their potential. ”

Interestingly, mortgage rates were generally down over the past week. Bankrate.com's survey shows the national average rate on the 30-year fixed-rate loan dropped nine basis points to 4.39%. Freddie Mac's survey shows the rate dropped 11 basis points to 4.22%.

We say “ interestingly ” because the yield on the 10-year Treasury note moved meaningfully higher. The 30-year fixed-rate mortgage rate tends to correlate highly with the 10-year note – yet it didn't this past week.

To be sure, there was a lot of conflicting data and opinions this week, but we'll stick to our guns nonetheless. For the short term, we expect the rate on the 30-year mortgage loan to be contained between 4.25% to 4.50% (give or take a few basis points). We believe this range will hold for the next two weeks until Friday, Dec. 6, the release date for the next employment report.

If job growth surprises to the upside, as it did earlier this month, mortgage rates will surely spike higher, because most credit-market participants will anticipate an imminent tapering. Of course, if the report surprises the other way, rates will surely drop.

So waiting at this point remains a risky game. Keep in mind, in January the Qualified Residential Mortgage rules are scheduled to kick in. This means more time and documentation. In addition, Freddie Mac came out with its market forecasts for 2014. It expects the rate on the 30-year loan to hit 5% by the end of the year.

In short, the odds favor higher mortgage costs in 2014.

Courtesy of Jessica Regan.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

Trim the Financial Fat from Thanksgiving

by Don Roth

Seriously, who doesn’t love Thanksgiving? You can hang out with your family, consume more carbs than may be considered medically advisable and then relax on the sofa for anywhere from one to five hours. Sounds like a fantastic day.

The thing is, even though you don’t do much more than eat, chat and sit around, Thanksgiving can get pretty expensive. Not only do you have to purchase a feast, but the pressure that half a dozen (or more) houseguests put on your house can add up to more than a few pricey repairs and cleanup efforts.

So, as turkey day approaches, give one of these cost-effective strategies a try and save the extra dough for those Black Friday deals.

Be Kind to Your Pipes

For residential plumbers, Black Friday is the single busiest day of the year (plumbing problems increase by about 50 percent). A typical visit from a plumber costs anywhere from $125-300, so this is definitely something to avoid! How do you manage that? Easy, don’t treat your garbage disposal like a trash can. That means things like turkey bones, poultry skin, potato peels, grease, oil and fat should all wind up in the garbage, not down your sink. If you do wind up with a clog, don’t panic. You can probably fix it yourself.

Buy a Frozen Turkey 

To some this suggestion may be borderline blasphemy, but hear us out. If you opt for a fresh turkey from an expensive grocery store, you might pay as much as $64 for a 16 lb. turkey. On the other side of the spectrum, discounted frozen turkeys of the same size are going for as little as $8 in some places. That’s a pretty big difference. So, if you want to trim some dollars off of Thanksgiving, there’s nothing wrong with going frozen. Just make sure you allow enough time for it to defrost! 

Make Your Own Cleaning Supplies 

Between a massive feast and an influx of houseguests, Thanksgiving can really make a mess of your house. Instead of springing for a bunch of store-bought products to clean up that turkey shrapnel, why not try some homemade supplies this year? With little more than a lemon, vinegar and some baking soda, you can make anything from eco-friendly drain cleaner to a nice fall air freshener.

Information provided by BrightNest.com.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

Turkey Trouble? Not With These Thanksgiving Tips!

by Don Roth

Have you heard of the Thanksgiving Murphy’s Law? Anything that can go wrong with your turkey, will, especially with your entire family and a group of friends gathered in your home.

The solution is simple. For the tastiest turkey and most succulent stuffing, be sure to do some quick kitchen maintenance to ensure your appliances are working properly before you start cooking.

OVEN

From turkey to green beans to pumpkin pie, your oven is there for you through every course. Here’s how to make sure it’s running on all cylinders.

DO: Make sure your oven temperature gauge is working properly. Place an oven thermometer at the center of the oven and set the oven to 350F.

After 15 minutes, check the temperature on the thermometer. If it’s not within 5 degrees, you'll need to adjust the oven's temperature control. If you’re pressed for time, you can simply tweak the oven setting required in your recipe to match your oven’s actual temperature.

DON’T: Don’t self-clean your oven the day before Thanksgiving. We know it seems counterintuitive, but self-cleaning can cause damage to the temperature gauges of electrical ovens. Just give the oven a good old-fashioned wipe down and save the heavy-duty cleaning until after the turkey is basted and baked.

COOKTOP

For many, mashed potatoes are the crown jewels of the Thanksgiving feast. To ensure this dish is delicious, don’t be stingy on the butter and make sure your cooktop is working like a charm.

DO: If your electric stove burners are caked with spots from former tenants, it’s time for a quick clean. Remove the burners when they’re cool and wipe them down with a warm, damp cloth and mild dish soap. Be careful not to get any part of the electrical connection wet and don’t submerge the burners! Let them completely dry before cranking up the heat. NOTE: Refer to your owner’s manual for help safely removing electric coils.

DON’T: Don’t start cooking before you’ve inspected your gas burners. Clogged burners are a fire hazard. According to the National Fire Protection Association, cooking equipment is the leading cause of home structure fires and associated injuries. So, gently unclog each “port” in the burner with a straight pin or open paper clip. Your owner’s manual can provide more details on how to care for your specific cooktop.

FRIDGE

The best part about Thanksgiving is that it’s the holiday that keeps on giving, so make sure your refrigerator is ready for leftovers.

DO: Locate your drip pans under the refrigerator and clean them. Then, vacuum dust off the coils (located under or behind your fridge depending on the model). Why is this important? A fridge with caked coils requires about 25% more energy to function properly than one with a clean underbelly.

DON’T: Don’t put your sweet potato casserole into the fridge until the dish is properly cooled and covered. Your fridge is an energy hog and uses 15% of your home’s total power. Don’t make it work harder than it needs to!

Information provided by BrightNest.com.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

Why the Federal Reserve Matters

by Don Roth

We spend a good deal of time talking about the Federal Reserve, and we do so for a good reason: The Federal Reserve is the most important economic planner in the country. The Fed is charged with promoting employment, stabilizing prices, and regulating the financial sector. Not surprisingly, it holds tremendous sway over both the housing and mortgage markets.

We frequently monitor the Fed to get an idea where lending rates are headed. Last week, we mentioned that we thought lending rates would hold today's lower levels. We've become more convinced that the Fed won't step back from quantitative easing or raise short-term rates soon. We say that because the Fed has targeted a 6.5% unemployment rate and a consumer-price inflation range of 2% to 2.5%.

On the former, the goal isn't close to being reached. Unemployment still runs well over 7%, and it's only that low because of a falling labor participation rate. As for consumer-price inflation, it still runs well below 2%. Much of the new money the Fed has pumped into the economy, instead of flowing into the consumer sector, is finding its way into asset. It's no coincidence that stocks are at an all-time high.

In short, the Fed has plenty of room and plenty of incentive to keep pumping money and to hold mortgage lending rates low. We don't see that changing in the near future.

Courtesy of Jessica Regan.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

 

Harrisburg PA Mortgage Market Recap – November 12, 2013

by Don Roth

A Contrarian's Guide to Good News

The U.S. Census Bureau reported that the homeownership rate hit an 18-year low of 65.1% in the third-quarter of 2013. The rate had climbed steeply in the 10-year period from 1994 through 2003 – topping 69%. From there, it has been downhill ever since.

At the same time, residential rents continue to rise. The Census Bureau also reports that the median residential rental rate rose to $736/month in the third quarter to hit an all-time high.

Home prices also continue to rise, which is mostly positive. The negative is that the strong rise in home prices over the past two years has made it more expensive to buy a home. Home-price increases have helped drive the National Association of Realtor's affordability index down to a five-year low.

Rising rents and rising home prices are pressuring household formation – where a person moves into his or her own housing unit. For decades, new household formation averaged roughly 1 million per year. In the third quarter of 2013, the rate dropped to 380,000 on an annualized basis.

New households are, not surprisingly, associated with first-time buyers – both categories are overwhelming young in age. The percentage of first-time buyers in the market has fallen this year. These buyers historically account for 40% of home sales. But the latest NAR data show these buyers accounted for only 28% of homes bought in September.

The news appears bad for the housing market, but it really isn't. It's important to emphasize that all markets are forward looking. Where we're going is more important than where we've been. Quite frankly, we like where we are going.

Current household formation at lows and rents at highs point to growth in homeownership rates. Surveys from Fannie Mae still show 75% of us prefer to own a home. Yes, homes are more expensive than they were a few years ago, but the good news is there is pent up demand for a home, particularly when the cost of owning that home is juxtaposed to the cost of renting.

Rising home prices, though lowering affordability, are also positively impacting the mortgage market. Excessively tight lending standards has been a recurring criticism, but there are signs of change.

Rising home prices are putting more homeowners into positive equity positions, which means more homeowners are motivated to service and maintain their mortgage. In fact, the delinquency rate for mortgage loans decreased to 6.4% of all loans outstanding at the end of the third quarter. This is the lowest level since the second quarter of 2009.

Rising home prices and lower delinquencies, in turn, are making lenders less risk averse. Today, we see more loans in the conventional market being originated with down payments as low as 5%. In other words, private lenders are competing with the FHA, and many are even offering better deals when all costs are factored in.

So don't be put off by today's cloudy negative news, because silver linings can be found. The future is what matters, and we see a positive future based on the likely reversal of several negative trends.

Courtesy of Jessica Regan.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

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