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Today’s Tale of Two Housing Markets

July 27, 2025•0 min read

Appraisal Ask Your Lender Attorneys Fees Basic Understanding Of Important Real Estate Concepts Buy A Home Closing Costs Competitive Market Consult A Lender Contingencies Down Payment Estimated Value Of The Home Expert On Real Estate First-Time Homebuyer For Your Home Loan Home Inspection Home Loan Homebuying Process Homes Value Important Real Estate Concepts Inspection Interest Rate Lender Lenders Letter From A Lender List Of Closing Cost Items Loan Type Of Lender Monthly Mortgage Payment Mortgage Payment Mortgage Rate Offer On A Home Pre-Approval Letter Purchase Price Real Estate Real Estate Concepts Real Estate Contract Real Estate Terms Start Browsing Homes Online Taxes The Homebuying Process The Purchase Price Of The Home Title Insurance Your Agent Your Home Purchase Your Monthly Mortgage PaymentAppraisalAsk Your LenderAttorneys FeesBasic Understanding Of Important Real Estate ConceptsBenefitsBuild EquityBuild Equity In A HomeBuy A HomeBuying A HomeClosing CostsCompetitive MarketConsult A LenderContingenciesCredit GuidelinesDepartment Of Veterans AffairsDown PaymentEligibilityEstimated Value Of The HomeExpert On Real EstateExpert Real Estate ProfessionalsFirst-Time HomebuyerFixed Interest RatesFor Your Home LoanHome InspectionHome LoanHomebuying AdvantageHomebuying ProcessHomes ValueImportant For VeteransImportant Real Estate ConceptsInspectionInterest RateKey Homebuying AdvantageLenderLendersLetter From A LenderList Of Closing Cost ItemsLoan OptionsLoan Type Of LenderLocal AgentLowest Average Fixed Interest RatesMonthly Mortgage PaymentMonthly PaymentsMortgage InsuranceMortgage PaymentMortgage RateNo Down PaymentOffer On A HomePre-Approval LetterPrivate Mortgage Insurance (Pmi)Purchase PriceReal EstateReal Estate AgentReal Estate ConceptsReal Estate ContractReal Estate ProfessionalsReal Estate TermsStart Browsing Homes OnlineTaxesThe Homebuying ProcessThe Purchase Price Of The HomeThe Types Of Closing Costs Veterans HaveTitle InsuranceTrusted LenderVA Home LoanVA Home Loan BenefitVA Home LoansVA Loan BenefitsVA LoansVeteransVeterans Affairs (VA)Veterans Affairs (VA) Home LoansVeterans Buy A HomeVeterans Can Buy A Home With No Down Payment At AllVeterans VA Home LoanYour AgentYour Home PurchaseThinking About Buying A Home,Single-Family Rental Investment Companies,Single-Family Rental,Short-Term Returns,Sell Vs. Buy Ratio,Rental Portfolios,Rental Maintenance Costs,Real Estate Investors,Profit Margins,Not Buying As Many Homes,Long-Term Price Appreciation,Investor Competition,Institutional Investors,Housing Market,Homeownership,Homebuying Is A Business,Homebuyers,Homebuyer,Home Values,Get Expert Guidance,For-Sale Inventory,Expert Guidance,Dominion Financial,Buying Opportunity,Buying As Many Homes,Buying A Place To Build A Life,Buying A Home,Buy Homes To Rent Them Out,Building A Life,Big Investors,America Sold More Homes,Actually Selling More,About All The Homes,11041 Homes,11041 Homes Sell,4.03 Million Homes,460 Homes Per Hour,8 Homes Per Minute,A Good Time To Sell,Buyer Motivation,Buyers,Buyers Are Still Buying,Buying Homes,Buying Homes Right Now,Closing Deals,Home Sales,Home Selling,Homes,Homes Are Still Selling,Local Agent,Looking For A Home,Market Conditions,Market It Well,Market Pace,Marketing A Home,Mortgage Rates,Nar (National Association Of Realtors),Navigate This Market,New Construction,Position Your Home,Price Your House,Price Your House Right,Reach Buyers,Real Estate Agent,Real Estate Market,Sales Data,Sellers,Sellers Are Closing Deals,Selling Strategy,Selling Today,Selling Your Home,Selling Your House,The Market Hasn't Stopped,The Right Agent,Trusted Agent,Trusted Local Agent,2008 Housing CrisisCredit AccessCredit AvailabilityCredit ScoreCredit ScoresEasing Lending StandardsFinancing OptionsGet A MortgageGet Approved For A MortgageGetting A MortgageGetting A Mortgage TodayGetting ApprovedGetting Approved For MortgagesHome PurchaseHomeownershipHousing BubbleHousing CrashHousing MarketLenders Are Opening More DoorsLending StandardsLoan QualificationsMortgageMortgage ApplicationMortgage ApprovalMortgage Bankers Association (MBA)Mortgage Credit AvailabilityMortgage Credit Availability IndexMortgage Credit SurgeMortgage LendersNational Association Of Mortgage Underwriters (NAMU)Qualify For A MortgageQualifying For A MortgageRefinance ProgramRisky Lending PracticesSmaller Down PaymentsStricter RequirementsThe Housing MarketTodays Lending LevelsUnderwriting StandardsWell-Qualified Buyers To Access FinancingBuilt-In EscapeBuy A Vacation HomeBuying A Vacation HomeDreaming Of OwningDreaming Of Owning Your OwnEscapeFuture RetirementGenerate IncomeGenerate Rental IncomeInvestment PropertyMake It Happen This SummerOwn A Vacation HomeOwn Your Own Slice Of ParadisePassive IncomePlanning Your Next GetawayReal Estate OpportunityRental IncomeRetirement DestinationSeasonal HomeSecond HomeSummer GetawayVacation HomeVacation PropertyAccess The Equity You've Built UpAgents Experience Can Really HelpBest Shot At Getting The Home You WantBest To Sell Your Old HomeBuy Before You SellBuy With ConfidenceBuy With More ConfidenceBuy Your Next HouseBuying A New OneBuying ProcessBuying StrategyCash Offer AdvantageCompetitive Markets Where Sellers Prefer BuyersContingent OfferCurrent HomeDown Payment On Your Next HouseEquity AccessFinancial PowerFinancial StrainFinding Your Next HomeFlexible ClosingGetting Your Current Home On The MarketHolding Two MortgagesHome EquityHome On The MarketHome Price AppreciationHome Selling ProcessHomeowner Planning To MoveHomeownersHow An Agent Can HelpJuggling FinancesLocal MarketMarket TrendsMore Financial PowerMortgage RiskMove Into Your Next HomeMoving LogisticsNext HomeOffer StrengthPost-Closing OccupancyReal Estate GuidanceRent-Back AgreementSell Before You BuySell Your Current HouseSeller PreferenceSelling And BuyingSelling FirstSelling Your Current HomeShort-Term RentalTalk To A Trusted Local AgentTemporary HousingTwo MortgagesUse That Equity To PayWhats Best For YouYou Can Use That Equity To PayYour Agent Can Help You NegotiateYour House SellsYour Local MarketYour Potential EquityHome pricesHousing marketMarket crashInventoryHome salesBuyersSellersReal estate marketHome valuePrice growthHome Price Expectations Survey (HPES)Fannie MaeForecastSustainable paceModerate appreciationMarket stabilityForeclosuresLending standardsEquityForced salesNeighborhood trendsWait to buy5-Year Rule for Home Priceshome pricehome pricesHome Valueslong-term gainsprices in our marketRule for Home Priceshort-term declinesshort-term dips

Christian Penner

I have lived in North Palm Beach County Since 1976, after moving from Cleveland Ohio. I started working for a Norwest Financial, a Sales Finance Company right out of college providing personal consumer loans, Sales Financial Loans, and Mortgage Loans. I Maintained being a Top 10% Producer throughout my career with the company. I then transferred to Norwest Mortgage which later became Wells Fargo Home Mortgage. Do to my success with Wells Fargo Home Mortgage, I opened and Managed a Wells Fargo Branch office, in Jupiter FL until 2004. Since then I have been a Producing Branch Manager for a few different companies and Banks. Today, I am the President and Managing Member of my own mortgage brokerage – America’s Mortgage Solutions.

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Today’s Tale of Two Housing Markets

July 27, 2025•0 min read

Appraisal Ask Your Lender Attorneys Fees Basic Understanding Of Important Real Estate Concepts Buy A Home Closing Costs Competitive Market Consult A Lender Contingencies Down Payment Estimated Value Of The Home Expert On Real Estate First-Time Homebuyer For Your Home Loan Home Inspection Home Loan Homebuying Process Homes Value Important Real Estate Concepts Inspection Interest Rate Lender Lenders Letter From A Lender List Of Closing Cost Items Loan Type Of Lender Monthly Mortgage Payment Mortgage Payment Mortgage Rate Offer On A Home Pre-Approval Letter Purchase Price Real Estate Real Estate Concepts Real Estate Contract Real Estate Terms Start Browsing Homes Online Taxes The Homebuying Process The Purchase Price Of The Home Title Insurance Your Agent Your Home Purchase Your Monthly Mortgage PaymentAppraisalAsk Your LenderAttorneys FeesBasic Understanding Of Important Real Estate ConceptsBenefitsBuild EquityBuild Equity In A HomeBuy A HomeBuying A HomeClosing CostsCompetitive MarketConsult A LenderContingenciesCredit GuidelinesDepartment Of Veterans AffairsDown PaymentEligibilityEstimated Value Of The HomeExpert On Real EstateExpert Real Estate ProfessionalsFirst-Time HomebuyerFixed Interest RatesFor Your Home LoanHome InspectionHome LoanHomebuying AdvantageHomebuying ProcessHomes ValueImportant For VeteransImportant Real Estate ConceptsInspectionInterest RateKey Homebuying AdvantageLenderLendersLetter From A LenderList Of Closing Cost ItemsLoan OptionsLoan Type Of LenderLocal AgentLowest Average Fixed Interest RatesMonthly Mortgage PaymentMonthly PaymentsMortgage InsuranceMortgage PaymentMortgage RateNo Down PaymentOffer On A HomePre-Approval LetterPrivate Mortgage Insurance (Pmi)Purchase PriceReal EstateReal Estate AgentReal Estate ConceptsReal Estate ContractReal Estate ProfessionalsReal Estate TermsStart Browsing Homes OnlineTaxesThe Homebuying ProcessThe Purchase Price Of The HomeThe Types Of Closing Costs Veterans HaveTitle InsuranceTrusted LenderVA Home LoanVA Home Loan BenefitVA Home LoansVA Loan BenefitsVA LoansVeteransVeterans Affairs (VA)Veterans Affairs (VA) Home LoansVeterans Buy A HomeVeterans Can Buy A Home With No Down Payment At AllVeterans VA Home LoanYour AgentYour Home PurchaseThinking About Buying A Home,Single-Family Rental Investment Companies,Single-Family Rental,Short-Term Returns,Sell Vs. Buy Ratio,Rental Portfolios,Rental Maintenance Costs,Real Estate Investors,Profit Margins,Not Buying As Many Homes,Long-Term Price Appreciation,Investor Competition,Institutional Investors,Housing Market,Homeownership,Homebuying Is A Business,Homebuyers,Homebuyer,Home Values,Get Expert Guidance,For-Sale Inventory,Expert Guidance,Dominion Financial,Buying Opportunity,Buying As Many Homes,Buying A Place To Build A Life,Buying A Home,Buy Homes To Rent Them Out,Building A Life,Big Investors,America Sold More Homes,Actually Selling More,About All The Homes,11041 Homes,11041 Homes Sell,4.03 Million Homes,460 Homes Per Hour,8 Homes Per Minute,A Good Time To Sell,Buyer Motivation,Buyers,Buyers Are Still Buying,Buying Homes,Buying Homes Right Now,Closing Deals,Home Sales,Home Selling,Homes,Homes Are Still Selling,Local Agent,Looking For A Home,Market Conditions,Market It Well,Market Pace,Marketing A Home,Mortgage Rates,Nar (National Association Of Realtors),Navigate This Market,New Construction,Position Your Home,Price Your House,Price Your House Right,Reach Buyers,Real Estate Agent,Real Estate Market,Sales Data,Sellers,Sellers Are Closing Deals,Selling Strategy,Selling Today,Selling Your Home,Selling Your House,The Market Hasn't Stopped,The Right Agent,Trusted Agent,Trusted Local Agent,2008 Housing CrisisCredit AccessCredit AvailabilityCredit ScoreCredit ScoresEasing Lending StandardsFinancing OptionsGet A MortgageGet Approved For A MortgageGetting A MortgageGetting A Mortgage TodayGetting ApprovedGetting Approved For MortgagesHome PurchaseHomeownershipHousing BubbleHousing CrashHousing MarketLenders Are Opening More DoorsLending StandardsLoan QualificationsMortgageMortgage ApplicationMortgage ApprovalMortgage Bankers Association (MBA)Mortgage Credit AvailabilityMortgage Credit Availability IndexMortgage Credit SurgeMortgage LendersNational Association Of Mortgage Underwriters (NAMU)Qualify For A MortgageQualifying For A MortgageRefinance ProgramRisky Lending PracticesSmaller Down PaymentsStricter RequirementsThe Housing MarketTodays Lending LevelsUnderwriting StandardsWell-Qualified Buyers To Access FinancingBuilt-In EscapeBuy A Vacation HomeBuying A Vacation HomeDreaming Of OwningDreaming Of Owning Your OwnEscapeFuture RetirementGenerate IncomeGenerate Rental IncomeInvestment PropertyMake It Happen This SummerOwn A Vacation HomeOwn Your Own Slice Of ParadisePassive IncomePlanning Your Next GetawayReal Estate OpportunityRental IncomeRetirement DestinationSeasonal HomeSecond HomeSummer GetawayVacation HomeVacation PropertyAccess The Equity You've Built UpAgents Experience Can Really HelpBest Shot At Getting The Home You WantBest To Sell Your Old HomeBuy Before You SellBuy With ConfidenceBuy With More ConfidenceBuy Your Next HouseBuying A New OneBuying ProcessBuying StrategyCash Offer AdvantageCompetitive Markets Where Sellers Prefer BuyersContingent OfferCurrent HomeDown Payment On Your Next HouseEquity AccessFinancial PowerFinancial StrainFinding Your Next HomeFlexible ClosingGetting Your Current Home On The MarketHolding Two MortgagesHome EquityHome On The MarketHome Price AppreciationHome Selling ProcessHomeowner Planning To MoveHomeownersHow An Agent Can HelpJuggling FinancesLocal MarketMarket TrendsMore Financial PowerMortgage RiskMove Into Your Next HomeMoving LogisticsNext HomeOffer StrengthPost-Closing OccupancyReal Estate GuidanceRent-Back AgreementSell Before You BuySell Your Current HouseSeller PreferenceSelling And BuyingSelling FirstSelling Your Current HomeShort-Term RentalTalk To A Trusted Local AgentTemporary HousingTwo MortgagesUse That Equity To PayWhats Best For YouYou Can Use That Equity To PayYour Agent Can Help You NegotiateYour House SellsYour Local MarketYour Potential EquityHome pricesHousing marketMarket crashInventoryHome salesBuyersSellersReal estate marketHome valuePrice growthHome Price Expectations Survey (HPES)Fannie MaeForecastSustainable paceModerate appreciationMarket stabilityForeclosuresLending standardsEquityForced salesNeighborhood trendsWait to buy5-Year Rule for Home Priceshome pricehome pricesHome Valueslong-term gainsprices in our marketRule for Home Priceshort-term declinesshort-term dips

Christian Penner

I have lived in North Palm Beach County Since 1976, after moving from Cleveland Ohio. I started working for a Norwest Financial, a Sales Finance Company right out of college providing personal consumer loans, Sales Financial Loans, and Mortgage Loans. I Maintained being a Top 10% Producer throughout my career with the company. I then transferred to Norwest Mortgage which later became Wells Fargo Home Mortgage. Do to my success with Wells Fargo Home Mortgage, I opened and Managed a Wells Fargo Branch office, in Jupiter FL until 2004. Since then I have been a Producing Branch Manager for a few different companies and Banks. Today, I am the President and Managing Member of my own mortgage brokerage – America’s Mortgage Solutions.

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