Real Estate Tips
11MAY

Locked In and Holding Out: How Low Mortgage Rates Are Freezing the Housing Market
The U.S. housing market is grappling with a persistent shortage of homes, and one major reason is the “lock-in effect.” Homeowners with ultra-low mortgage rates secured during the pandemic are reluctant to sell, even as market demand grows. This hesitance is tightening inventory, driving up prices, and reshaping the dynamics of both buying and selling real estate in 2025.
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04MAY

Buy a Home, Keep the Seller’s Rate
With interest rates nearing 7%, many homebuyers in the U.S. are exploring assumable mortgages as a strategic way to save money. By taking over a seller’s existing home loan with a lower interest rate, buyers can reduce their monthly mortgage payments significantly. This article explains how assumable mortgages work and why they’re gaining popularity in today’s housing market.
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What My Clients Say
11/14/2014 – zuser20140813180717373
Bought a Mobile / Manufactured home in 2014 in Clearlake Oaks, CA.
Bought a Mobile / Manufactured home in 2014 in Clearlake Oaks, CA.
wonderful! I was able to find and buy a house while still in Houston, thanks to Mary Benson who performed beyond expectations. I could not have done without her help.I contacted Mary from Houston Texas and she met with my daughter to look at some houses…read more testimonials
11/17/2014 – norgrove52
Bought a home in 2014 in Clear Lake Keys, Clearlake Oaks, CA 95423.
Bought a home in 2014 in Clear Lake Keys, Clearlake Oaks, CA 95423.
My wife and I have purchased four homes in our life including two restaurants a bar and a Golf County Club. Mary Benson is at the top in her profession. You will not find a more dedicated, experienced and intelligent Agent.read more testimonials
04/07/2016 – hermanjm55
Sold a Single Family home in 2015 in Hidden Valley Lake, CA.
Sold a Single Family home in 2015 in Hidden Valley Lake, CA.
Mary has been a blessing. She found a home for me and sold two of my homes. She is honest and trustworthy. She goes above and beyond what is expected of her.read more testimonials
04/08/2016 – hrobinson118
Listed, but didn’t sell my home in 2016.
Listed, but didn’t sell my home in 2016.
She is very personable, friendly and does a lot of research to make the right decisions on pricing. She sat in my home while I was gone for an open house in the community.read more testimonials
04/10/2016 – lagipson95
Bought a Single Family home in 2015 in Clearlake, CA.
Bought a Single Family home in 2015 in Clearlake, CA.
It was our first home and Mary was our first real estate agent. She was easy to contact and easy to talk to she had the answers to our questions. She was very friendly and very knowledgeable I would highly recommend herread more testimonials
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