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Is Real Estate Inventory an Issue in Philadelphia?

The demand for homes has soared in recent years, while the supply of those homes has hit a record low. This real estate inventory issue causes several distinct issues. Among those, the biggest issue is that too many homes are being sent into bidding wars. This sends home prices skyrocketing, and many young families simply can’t afford to purchase a home at these new rates.

It’s a tough market to begin with. To even think about seeing or bidding on a home, a buyer must obtain mortgage preapproval, and have a mortgage commitment already in place. People are often stretching themselves – and their budgets – thin, just to give their families a place to live.

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How Will Tax Reform Affect Real Estate?

Big changes in the tax code went into effect at the start of 2018, and while people across the country continue to try to determine how this will affect their personal and business finances, some are equally worried about how tax reform might affect real estate. Here’s what you need to keep in mind if you’re considering buying or selling a home in 2018.

You Can’t Deduct as Much Interest

For the 2017 tax year, homeowners could deduct up to $1 million in mortgage interest debt when they filed their taxes. In 2018, this number has decreased to $750,000, which is significantly impacting those who own high-end homes. On top of this, any amount of mortgage interest deduction is simply less valuable. Homeowners must itemize their taxes to take advantage of it, but because of increased standard deductions, fewer people will want to itemize, which puts homeowners in a tough situation.

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