The Central Maryland Housing Insider – February 2026

The Central Maryland Housing Insider-February 2026

The Central Maryland Housing Insider – January 2026

The Central Maryland Housing Insider-January 2026

The Central Maryland Housing Insider – December 2025

The Central Maryland Housing Insider-December 2025

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How to buy a second home for a fraction of the costs!

Baltimore Lifestyle Guide, Buyers, Sellers

Buying a 2nd Home – The smart way!

Have you noticed more of a trend for second home purchases? We are seeing a much higher interest in second homes now. COVID-19 has forced us to live differently. We realized we could work remotely, so why not have multiple options? Second-home sales rose 16% in 2020 and are up 35% through October of this year.

The median price for second homes has increased from $416,100 in 2020 to $467,100. Buying a second homes has become one of the fastest-growing trends in the US. More than 30 million Americans will enter the second home market within the next decade.

I want to share with you a great alternative to bearing the high cost of a second home. Enter Pacaso, and here are 5 benefits that they offer in the 2nd home market space:

1) Each Pacaso is a one-of-a-kind second home.

These are single family homes in the best locations and professionally designed to ensure your home is a place you’ll feel comfortable and relaxed.

2) A small group of co-owners enjoy the home

Because Pacaso limits the number of shares per home to eight, you and just seven other owners, at most, will have access to the home (only one owner will occupy the home at a time, of course). Plus, Pacaso homes do not allow rentals.

3) You own real estate, not time

One of the biggest differences between Pacaso and a timeshare is what you actually own. With Pacaso, you own a true real estate asset. Your share is real property, not simply a block of time. And because it’s a real estate asset, its value will move with the market — which means that any equity realized is yours.

4) You can use your home year-round

Each Pacaso share includes up to 44 stay nights per year — more than six weeks! You aren’t locked into a specific week or weeks each year, and you don’t even have to schedule weeklong stays. You can enjoy a weekend getaway or a mid-week escape, and you have the flexibility to plan stays anywhere from 8 days to 24 months in advance. You book time at your home using the Pacaso app, powered by our SmartStay™ scheduling system.

5) The resale process is streamlined

When it’s time to sell, you set the price you want, and they market and list the home much like a traditional real estate listing.

Experience the joy, not the regrets

Pacaso offers exceptional second homes in top locations. Pricing and costs are transparent and equitable, and you’ll never be surprised by hidden fees or bound to a rigid schedule. Instead, you get to enjoy your own private, luxurious oasis throughout the year, while Pacaso takes care of maintenance and property management.

Are we in a Housing Bubble?

Baltimore Lifestyle Guide, Buyers, Sellers

Are We In A Housing Bubble?

Everyone who knows that that I am a real estate agent has been asking me the same question….Are we in a housing bubble? To answer, I have gathered statistics and information from Lawrence Yun, Chief Economist for NAR and Ward Morrison, President of Motto Mortgage Franchising, LLC.

Currently housing is still a hot commodity with low available inventory combined with heavy demand. As a result, prices are rising at an impressive rate. The average increase has been 3-5% per year but 2021 has been a monster year at just about 20%!

Many are wondering when will it stop or is the bubble about to burst or will it level out to become the new normal? There are 3 main factors that we can look at to answer this question, They are appreciation, interest rates and the number of foreclosures pending.

Continue reading or watch my video on the topic here:

1) Appreciation:

As mentioned above, we are at an all time high when it comes to appreciation in home values. Typical annual rates are between 3-5% but we are at 20%. The question is, will this continue or will prices come down. Both Lawrence Yun and Ward Morrison, agree that they expect to see a lesser rise in appreciation in 2022 as opposed to seeing prices decrease. I agree and have been saying the same thing so it is good to hear other experts hold the same opinion.

2) Interest Rates:

For Most of 2021, we have been at an all time low when it came to interest rates and just recently we saw rates rise. Ward Morrison, President of Motto Mortgage, LLC. expects to see rates rise to just over 4% in 2022. It would be a good time lock in rates now if you plan on purchasing in early 2022.

3) Foreclosures:

Many believe that due to the forbearance moratorium ending, there is concern that they may be tons of foreclosures hitting the market. The numbers actually tell a different story. Here are some statistics to note:

35% of all homes in the US have no mortgage on them. 63% have positive equity and only 2% are have negative equity or are “under water”. What does this mean? There would only be a very small amount of homes that would make it to foreclosure and they would get absorbed very quickly since there is so much demand for housing. Also note that the number of homes in forbearance is going down steadily, as there is now a surplus of available jobs. The numbers also show that there were 5 million at the peak of the pandemic however, now we are down to 2 million and a further drop to 1 million is expected.

2022 Prediction:

Based on all of the above data it is likely that we will see some easing of the inflated prices of homes in the marketplace, however a crash is very unlikely. If you are planning to purchase between now and early 2022, I would advise that you get with your lender and lock in your rate now as there is a very good chance that interest rates will go up come 2022. If you are planning on selling it is still a great time to do so.