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More Homeowners Now Have 6%+ Mortgages Than Sub-3% — Here’s What That Means for You
For the past few years, one idea has dominated real estate conversations: “Homeowners are stuck because they’re locked into ultra-low mortgage rates.” That theory — often called mortgage rate lockdown — helped explain tight inventory and limited movement following the rapid rise in interest rates. But new data shows that narrative is starting to break down. Today, more homeowners carry mortgage rates above 6% than those with rates under 3% , and the shift has been building s
David Cutler
15 minutes ago2 min read


Back to Work! But Start 2026 With Some Really Good Inflation News
Truflation Says U.S. Inflation Has Dropped Below 2% Happy first Monday back! After the holidays and New Year’s celebrations, most of us are trading weekend mode for spreadsheets and inboxes — but there’s an upbeat economic data point worth your morning coffee. According to Truflation , an alternative real-time inflation tracker, the Personal Consumption Expenditures (PCE) price index — the inflation gauge the Federal Reserve cares most about — is now reported below 1.9% . Th
David Cutler
1 day ago3 min read


Boots on the Ground: My Real Estate Conversations Around the Christmas Tree & at Year End
I’ll be totally honest — I thought I’d be relaxing between Christmas and New Year’s this week. Instead, I’m en route to a home inspection , putting together a listing packet for a condo slated for early 2026 , and getting asked the same question over and over: “How’s the market?” And it’s not just casual small talk. People actually want to know. That tells me something right out of the gate — there’s real interest building , not just idle curiosity. But Here’s the Thing: th
David Cutler
Dec 30, 20252 min read


The World Cup Is Closer Than You Think — And It Could Create a Unique Opportunity for Homeowners
As we get toward the end of 2025, it’s worth pausing for a quick reminder: The FIFA World Cup is right around the corner, and Massachusetts is officially on the map. Gillette Stadium will be hosting World Cup matches in 2026, and the scale of preparation is already becoming very real. Just the other day, Gillette held a two-day, on-site hiring event focused solely on staffing for the tournament. That alone tells you this isn’t just another summer event — it’s a global one. T
David Cutler
Dec 18, 20253 min read


Is Rent Control Coming to Massachusetts in 2026? What You Need to Know.
There’s a big housing policy conversation brewing in Massachusetts right now — and it’s one that could directly impact renters, landlords, and the broader housing market. Across the state, advocates for rent control have made a serious push to get a rent control measure on the 2026 ballot . So what’s the latest, and what might be coming next? Let’s break it down. 🗳 Why This Matters Now Massachusetts has not had rent control statewide for decades. After being banned by vote
David Cutler
Dec 15, 20253 min read


ADU Announcement: Massachusetts Introduces New ADU Support Programs — What Homeowners Should Know!
Now that Massachusetts’ by-right ADU law has been in place for about a year, a clear pattern has emerged. Homeowners love the idea of adding an ADU — the flexibility, the family benefits, the potential income — but many quickly discover the same challenge: building one isn’t exactly cheap. Even with a much simpler permitting process, the upfront design and construction costs can feel like a real hurdle. That’s why this new statewide initiative from Governor Healey and Lt. Go
David Cutler
Dec 11, 20252 min read


1 in 3 Massachusetts Residents Are Considering Leaving — Here’s What That Really Means for Homeowners
A new poll by Suffolk University and The Boston Globe found that 1 in 3 Massachusetts voters have seriously considered leaving the state due to the high cost of living. That’s 32% of residents — a number big enough to shift housing trends, reshape demand, and spark some honest conversations at kitchen tables across the Commonwealth. This isn’t just a headline; it reflects a growing reality. Between rising housing costs, a stubbornly expensive tax environment, and a winter t
David Cutler
Dec 10, 20253 min read


📉 A Triple Dose of Good Economic News: What Today’s Reports Mean for the Market
Today delivered a rare trio of encouraging economic updates — all pointing toward a cooling inflation environment, rising consumer confidence, and a stronger labor foundation than many expected. For anyone watching interest rates, the housing market, or overall economic momentum heading into 2026, this is exactly the type of data you want to see. Let’s break down the three big reports that came out today and why they matter. 1️⃣ PCE Inflation Is Cooling Again The Federal Rese
David Cutler
Dec 5, 20253 min read


Boston Warns of a 13% Property Tax Spike — And Renews a Heated Debate on Who Should Carry the Tax Burden
Boston is staring down yet another significant residential property tax increase — and Mayor Michelle Wu is renewing her push for a controversial tax reform that has already stalled twice at the State House. This week, Wu warned that the average single-family homeowner in Boston is projected to see a 13% spike in property taxes beginning in January , driven by shifts in both residential and commercial property values. Here’s what’s happening, why this is becoming such a major
David Cutler
Dec 3, 20254 min read


Will the Fed Deliver the Gift Everyone Wants This December? 🎄A practical look at how a rate cut could make life—and real estate—more affordable in 2026.
As we wrap up 2025, one question is dominating conversations for homeowners, buyers, business owners, and anyone watching their budget: Will the Federal Reserve deliver the gift of lower interest rates? The Fed’s final FOMC meeting of the year is scheduled for December 9–10 , and market expectations point strongly toward another rate cut. If it happens, it would be the third cut of 2025 , and it could change the affordability picture heading into 2026. But here’s what many pe
David Cutler
Dec 1, 20252 min read


Thanksgiving, Black Friday & the Hidden Advantage in Holiday Home-Hunting
The Tuesday/Wednesday before Thanksgiving is a different kind of energy — half-days at the office, early travel, grocery store chaos, and the annual ritual of pretending cranberry sauce is a real side dish. But this stretch also marks one of the most underrated windows in the real-estate calendar. If you’re thinking about buying or selling, there’s a quiet but meaningful opportunity baked right into the holiday season. And as we all gather around the table this Thanksgiving,
David Cutler
Nov 25, 20252 min read


Three Common ADU Mistakes New England Homeowners Make — and How to Avoid Them
Short answer? Yes, ADUs can be a huge win. They add space, flexibility, and real value. But only if you avoid the mistakes that trip most people up. And trust me, I’m seeing the same three problems over and over. Here’s what to watch out for—and how to keep your ADU project smooth instead of stressful. 1. Assuming the New State Law Overrides Local Rules A lot of homeowners hear “by-right ADUs” and think that means anything goes. Not quite. Yes, the state now requires towns to
David Cutler
Nov 13, 20252 min read
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