The South Coast Real Estate Round-Up

Inventory Nightmare

In the ever-evolving landscape of real estate, there's a question that's been on many minds lately: "Where did all the houses go?" It's a query that strikes at the heart of housing shortages, affordability challenges, and shifting patterns in homeownership. Recently, a new statistic from Redfin has shed light on this phenomenon, revealing that today, the typical homeowner spends an average of 11.9 years in their home, a significant increase from the 6.5 years reported two decades ago. But what's driving this trend, and what does it mean for prospective buyers and sellers?

One key factor contributing to the longer tenure of homeowners is the changing nature of the real estate market. In quarter 4 of 2021, investors purchased a staggering 26.1% of lower-priced homes, up from 24% the year before. This surge in investor activity has had a ripple effect, further reducing opportunities for owner-occupied single-family home buyers. With investors snapping up properties for rental income or resale, the pool of available homes for traditional buyers has diminished, leading to increased competition and higher prices.

This trend has profound implications for both buyers and sellers. For prospective homeowners, especially first-time buyers or those looking to upgrade, the reduced inventory can make finding the right property a daunting task. With fewer options available, buyers may face bidding wars and inflated prices, making homeownership feel increasingly out of reach. On the other hand, for current homeowners considering selling, the scarcity of listings could present a lucrative opportunity. With high demand and limited supply, sellers may find themselves in a favorable position, able to command top dollar for their properties.

However, it's essential to recognize that while these market dynamics may present challenges, they also underscore the importance of strategic planning and informed decision-making. For buyers, working closely with a knowledgeable real estate agent who understands local market trends and can offer guidance on navigating competitive landscapes is crucial. Additionally, exploring alternative housing options such as townhomes, condos, or new construction developments may provide viable alternatives in areas where single-family homes are scarce.

For sellers, timing and pricing are key considerations. While high demand can work in favor of sellers, it's essential to strike the right balance between maximizing profit and attracting qualified buyers. Collaborating with a seasoned real estate professional who can help stage the home effectively, market it to the right audience, and negotiate favorable terms is invaluable in achieving a successful sale.

Ultimately, the phenomenon of homeowners staying in their properties longer and investors exerting greater influence on the market reflects the dynamic nature of real estate. By staying informed, adaptable, and proactive, both buyers and sellers can navigate these challenges and capitalize on opportunities in today's evolving landscape.

While the question of "Where did all the houses go?" may seem perplexing at first glance, a closer examination reveals a complex interplay of factors shaping the current state of homeownership. From shifting market dynamics to increased investor activity, understanding these forces is essential for anyone navigating the real estate landscape. By staying informed, leveraging expert guidance, and approaching transactions with patience and strategy, buyers and sellers alike can navigate this ever-changing terrain with confidence.

Posted by Christopher Terry on February 16th, 2024 6:10 PM

Click Here to Print and/or Save a Copy Our Buyopoly Game

Congratulations are in order!

Embarking on the journey to homeownership is an exciting milestone, and your decision to take this step is truly commendable. However, we understand that the process can feel daunting at times. From navigating the complexities of the real estate market to making crucial financial decisions, becoming a homeowner requires careful planning and consideration. But fear not, because you're not alone on this journey. With the right guidance and support, you can turn your dream of owning a home into a reality.

It's natural to feel overwhelmed when starting the process of becoming a homeowner. The sheer magnitude of decisions to be made, from choosing the right neighborhood to securing financing, can leave even the most confident individuals feeling uncertain. Moreover, the ever-changing dynamics of the real estate market add an additional layer of complexity, making it challenging to navigate without proper guidance.

At E Z Home Search Real Estate, we understand the challenges that homebuyers face, which is why we're excited to introduce our Alignment Method. This step-by-step process is designed to help you align your wants and needs with current market conditions, empowering you to make informed decisions and achieve success in your home buying journey.

Our Alignment Method:

1. Assessment: Our experienced agents will work closely with you to understand your unique preferences, priorities, and budgetary constraints.

2. Analysis: We'll conduct a thorough analysis of the current market trends, including inventory levels, pricing dynamics, and neighborhood data.

3. Alignment: Using the insights gathered from the assessment and analysis phases, we'll help you align your expectations with the realities of the market, ensuring a realistic and achievable home buying strategy.

4. Action: Armed with a clear understanding of your goals and market conditions, we'll guide you through each step of the home buying process, from property search to closing.

If you're ready to embark on the journey to homeownership with confidence, we invite you to take advantage of our Alignment Method at E Z Home Search Real Estate. Our team of dedicated professionals is here to support you every step of the way, ensuring a seamless and rewarding experience. Simply complete the form below or contact us today to schedule a consultation and start your path towards owning the home of your dreams.

Starting the process of becoming a homeowner is a significant achievement, and you should be proud of taking this important step towards building your future. While the road ahead may seem daunting, rest assured that you have the support and expertise of E Z Home Search Real Estate to guide you through every twist and turn. With our Alignment Method, you'll be well-equipped to navigate the complexities of the real estate market and achieve your homeownership goals. Congratulations once again, and here's to the exciting journey ahead!

Posted by Christopher Terry on February 2nd, 2024 1:47 PM

If your house hasn't sold, it's perfectly normal to feel a mix of frustration and disappointment. It's understandable that you may be wondering what might have gone wrong. Here are three questions to consider as you determine your next steps:

1. Did you limit access to your house?

One of the biggest mistakes in selling a house is restricting the days and times when potential buyers can tour it.

2. Did you make the house stand out?

The old saying holds true when selling your house – you never get a second chance to make a first impression. Enhancing the exterior of your home is as crucial as staging the interior. 

3. Did you price your home at market value?

Setting the right price is key. While it may be tempting to push the price higher for maximum profit, overpricing can deter potential buyers and slow down the selling process. This might result in having to later reduce the price below its optimal starting point to attract a buyer.

If your goal is to proceed with your initial plans to sell your home, our alignment method can help you achieve that. It's a step-by-step system designed to align your wants and needs with current market conditions for success. Contact me at or call me directly at 774-930-4595, and we'll help you get back on track and move forward with your life.

If you prefer not to meet or talk in person, that's understandable. To further support your goals, I've created a special home seller's guide titled "44 Money Making Tips to Preparing Your Home to Sell". Claim your free guide by visiting the seller section of our website at You'll gain valuable insights on how to enhance your home's appeal, common buyer turn-offs, and lesser-known secrets about home buyers.

Posted by Christopher Terry on January 20th, 2024 9:47 PM

 “You Don’t Make Money When You Sell Real Estate, You Make Money When You BUY It!”

Do you see the statement above?  Someone once told me it was written backwards…that you only make money when you SELL real estate 

But that statement IS accurate.  You see, you might receive your sales proceeds when you sell your home, but it’s how well you BOUGHT your home that will determine HOW MUCH your proceeds will be. 

But the story doesn’t end there.  Finding the right home, and making a prudent financial investment is more involved than just “buying right.”  You also need to FINANCE it right.   

Even Experienced Homeowners Make Costly Mistakes When Buying and Financing Their Home 

You’ve worked too hard for your money to needlessly give it away! That’s why I created a Special Home Buyers Report. Below is a just a taste of the information and insights provided in this free report. For complete access to this special report simply complete the form below. It’s packed with insider secrets that could save you thousands!

In this FREE Home Buyer Report we'll review:

How to Understand Your Wants versus Your Needs:

Before diving into the house hunt, it’s important to figure out your needs versus wants. Knowing what you truly need helps in making informed decisions and avoiding unnecessary stress. In this informative report we’ll help you differentiate between features and benefits so you can refine your focus and prevent any disagreements if you're buying with a partner.

How to Determine Affordability and Saving on Financing

Getting a grip on how much home you can afford is vital. Lenders use guidelines like the Payment to Income Ratio and Debt to Income Ratio. Knowing these limits and finding a motivated lender is key. Contrary to popular belief, there are no one-size-fits-all rules for financing. It's essential to evaluate each factor and find the right balance to save a bundle on your financing. In this FREE report we’ll review how interest rates, points and other terms matter to your bottom line. Plus we’ll review how you can determine what might be best for you based on your own personal needs.

How to Evaluate Homes Smartly:

We will also give you insights on how to evaluate homes smartly. Understanding the market's trends and comparing them to local market information will save you thousands when making an offer on a home.

Ways to Save on Your Offer and Negotiating the Deal:

Negotiating a deal depends on many factors. We’ll review ways to help you determine the best ways to strategize when making your offer giving you more negotiating power to help you save time and money.

If you’re like most people, the decision to buy a home involves a number of stresses and strains.  For most buyers, purchasing a home is the single largest financial transaction of their lives.  Mistakes in any part of the buying process can be costly. Get your copy of our Special Home Buyers Report and discover a number of helpful and straightforward tips for finding a home that meets your needs AND becomes a wise financial investment.   


Posted by Christopher Terry on December 21st, 2023 5:16 PM

Gratitude and Reflection

Happy almost-end-of-2023! 

The spirit of gratefulness continues around here!  As I reflect back on 2023, I am filled with a sense to gratitude and feeling blessed for connections with family, friends and clients and with a deeper appreciation for every life moment. I continue to be so grateful for your support and encouragement in my purpose of bringing real estate experiences that transform people’s lives. 

As 2023 comes to a close, I want to be honest and forthright with you so that we can enter 2024 together with new and fresh conversations. At the same time, I feel some regret about missteps I may have made, and I would like to ask you to forgive me. 

Please forgive me for:

  1. Unreplied-to or late emails/texts. I strive to respond to every email and text, but I’m not always successful. Sometimes, I’m terribly late, and sometimes I don’t even get to it. If that happened to you, I’m truly sorry.
  2. Misspelling your name, company, or anything else. I hate spelling and grammatical mistakes! Ouch! (And no, I don’t intend to use AI to fix it!)
  3. FORGETTING your name! I know how magical it is to be remembered and if I failed to get that right-I am truly sorry. I’ll try harder!
  4. Failing to serve you in any way. You may have asked for something, and my team or I simply didn’t provide it. If we disappointed or discouraged you in any way, please let us know, so we can make things right. 

Having said that, I am so grateful to you for your constant support and encouragement. You continue to inspire me in my mission of providing ideas and motivation that help people achieve their real estate goals and transform their lives.  

Thank you for the following:

  1. For your unwavering support. I’ll be forever grateful for the kindness, likes, and comments you leave for me. They never cease to lift me up!
  2. For recommending me to your colleagues. I have appreciated connecting with your trusted friends, associates, colleagues, and mentors. My deepest THANK YOU!

 Thank you for being a part of our real estate family. Whether reading an email or watching a social media post or video in the quiet moments of your day, engaging with me on a ZOOM call, or being able to have a laugh at an in-person meeting or conference this year — I appreciate it all! It’s been a pleasure and honor connecting with you. 

I look forward to connecting with you and your colleagues in the New Year. May your dreams, hopes, and wishes for 2024 come true.  

Wishing you a 2024 filled with love, joy, and appreciation.

Christopher Terry
EZ Home Search Real Estate Inc.

Posted by Christopher Terry on December 6th, 2023 2:11 PM

 Imagine you've finally found the home of your dreams. It has the perfect location, a beautiful exterior, and charming interiors. But as the old saying goes, "Looks can be deceiving." What if that picture-perfect house hides lurking secrets, potential hazards, and costly repairs? This is where the power of a home inspection comes into play, and it's not something you want to overlook.

Welcome to the exciting world of home buying, where the search for your perfect abode begins. At EZ Home Search Real Estate Inc., we know that this journey can be a rollercoaster of emotions, from exhilaration to anxiety. And that's why we're here to talk about one of the most essential checkpoints in this exhilarating ride – the home inspection.

Why Home Inspections Are Important:

Now, you might be wondering, "What is a home inspection, and why is it so crucial?" A home inspection is like a backstage pass to your potential new home. It's your opportunity to see beyond the stage setting, to uncover the hidden aspects of the property.

Here's why it's absolutely indispensable:

Revealing Hidden Issues: Your dream home might be hiding unexpected nightmares. Think structural problems, plumbing woes, and even unwelcome guests (termites, anyone?). A home inspection reveals what your eyes might not see.

Safety Assurance: A house that seems cozy on the surface could have lurking dangers like faulty wiring or structural instability. A home inspection ensures your new haven is safe for your family.

Negotiating Leverage: Armed with the findings of a professional home inspector, you have the power to negotiate with the seller. In a previous video blog, we discussed negotiating the price. It’s important to keep in mind that in a real estate transaction, negotiations continue all the way through the closing. It’s one more reason why, whether you are buying a home, or selling a home, it’s important to hire a real estate professional who will advocate for your best interests.

Peace of Mind: Buying a home is a significant investment. A thorough inspection provides peace of mind, knowing you're making an informed decision, not an emotional one. It’s the chance to take off you excited cap and put on your logical cap and see just what you’re getting.

Long-Term Savings: Unearthed problems can be pricey but discovering them early through an inspection means you can budget for repairs and maintenance, saving you a fortune in the long run.

So, whether you're a first-time homebuyer or a seasoned real estate enthusiast, remember this: a home inspection is your secret weapon. It's the difference between a dream home and a potential disaster.

At EZ Home Search Real Estate Inc., we're your partners in finding the perfect home, and we strongly advise that you never skip the home inspection step. It's your shield, your assurance, and your key to unlocking worry-free homeownership.

Are you ready to embark on this journey? Get in touch with us today, and let's start the adventure of finding your dream home – one that's safe, sound, and ready to make your dreams come true. Don't delay; contact us now and take that first step toward your dream home.

Posted by Christopher Terry on November 9th, 2023 1:38 PM

Click Here to Listen on Spotify

In the dynamic world of real estate, staying ahead of the curve is key. One way to do that is by learning from industry leaders who generously share their insights and wisdom. I recently had the privilege of appearing on the number one real estate podcast in the country, hosted by the incredible Bob Loeffler. In this blog post, I'd like to express my gratitude and share my experience of being invited onto his show, where I had the opportunity to engage in a thought-provoking conversation with none other than the legendary Floyd Wickman. 

Bob Loeffler: A True Podcasting Pioneer

Bob Loeffler's real estate podcast is nothing short of a phenomenon. His dedication to providing valuable content to real estate professionals and his uncanny ability to engage with the audience have undoubtedly contributed to his show's extraordinary success. As the creator of this number one podcast, Bob has demonstrated a remarkable commitment to elevating the real estate industry and connecting professionals across the nation.

Floyd Wickman, the Real Estate Legend

The excitement began when I learned that I would be sharing the stage with none other than Floyd Wickman. Mr. Wickman, with his decades of experience and invaluable insights, is a true icon in the real estate industry. Bob's podcast gave me the unique opportunity to converse with Mr. Wickman, whose wisdom and expertise have shaped countless careers. It was an incredible honor and an opportunity I will forever cherish.

Key Takeaways:

1. Valuable Insights: Bob Loeffler's podcast provides a platform for sharing knowledge, fostering discussions, and helping real estate professionals excel. My conversation with Floyd Wickman was filled with invaluable insights and lessons that have already started to reshape my approach to real estate.

2. Building Community: The real estate industry is not just about transactions; it's about building relationships and community. Bob's podcast is a testament to this. It brings real estate professionals from different corners of the country together, creating a sense of unity and shared purpose.

3. Gratitude: I would like to express my heartfelt gratitude to Bob Loeffler for extending the invitation to me and allowing me to engage in a conversation with Floyd Wickman. His podcast is an essential resource for anyone in the real estate industry, and I am honored to have been a part of it.

In the ever-evolving world of real estate, knowledge is power. Bob Loeffler's number one real estate podcast has proven to be an invaluable resource for professionals like me. I am truly grateful for the opportunity to appear on the show, converse with a legend like Floyd Wickman, and contribute to the growing community of real estate professionals.

Thank you, Bob Loeffler, for your dedication and passion for our industry. Your podcast is a beacon of light for real estate professionals across the nation, and I look forward to witnessing the continued success and growth of your platform. It is my hope that the wisdom shared on your show will continue to inspire and elevate the real estate industry as a whole.


Christopher Terry is broker/owner of EZ Home Search Real Estate. A real estate brokerage serving Massachusetts and Rhode Island. Chris's unwavering commitment and his dedicated team at EZ Home Search have consistently delivered top-tier service to their clients, helping them find their dream homes and invest wisely in real estate. With a deep understanding of the local markets, an unparalleled work ethic, and a passion for customer satisfaction, Chirs and his team have set a standard for real estate professionalism. 

Posted by Christopher Terry on October 30th, 2023 2:34 PM

When it comes to achieving your dream of homeownership, understanding the world of mortgages is crucial. Choosing the right mortgage can make all the difference in making your dream home a reality. In this blog post, we'll explore the various types of mortgages available and why it's essential for consumers to know their options before embarking on their home buying journey.

Exploring Mortgage Options

1. Fixed-Rate Mortgages

Fixed-rate mortgages are a popular and straightforward option. With this type of mortgage, your interest rate remains constant throughout the life of the loan. This predictability allows you to budget with confidence, as your monthly payments won't fluctuate.

Why It’s Important: Fixed-rate mortgages are ideal for those who prioritize stability and want to lock in a consistent monthly payment. They offer peace of mind, especially in a rising interest rate environment.

2. Adjustable-Rate Mortgages (ARMs)

Adjustable-rate mortgages have interest rates that fluctuate over time based on market conditions. Typically, ARMs start with a fixed-rate period (e.g., 5, 7, or 10 years) and then adjust periodically.

Why It's Important: ARMs can offer lower initial interest rates, which may be appealing for those planning to stay in their home for a shorter period. However, understanding how the interest rate can change and being prepared for potential fluctuations is essential.

3. FHA Loans

FHA (Federal Housing Administration) loans are government-backed loans designed to make homeownership more accessible. They often have lower down payment requirements and more lenient credit score criteria.

Why It's Important: FHA loans are an excellent option for first-time homebuyers or those with limited savings for a down payment. Knowing about these loans can open doors for those who may not qualify for conventional financing.

4. VA Loans

VA (Department of Veterans Affairs) loans are available to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. They offer favorable terms, including no down payment requirement and competitive interest rates.

Why It's Important: For those who have served in the military, VA loans provide a unique opportunity to secure a home loan with exceptional benefits. It's crucial to understand these options and take advantage of the benefits they offer.

5. Jumbo Loans

Jumbo loans are designed for purchasing higher-priced homes that exceed the conforming loan limits set by the government-sponsored entities (GSEs). These loans typically require larger down payments and have stricter credit requirements.

Why It's Important: If you're in the market for a high-end property, knowing about jumbo loans and their requirements is essential for securing financing for your dream home.

Why Knowing Your Options Matters

These may be some of the more common loan types, but certainly not all the types available. Understanding the various types of mortgages available is essential for consumers for several reasons:

1. Tailoring to Your Needs: Knowing your options allows you to choose a mortgage that aligns with your financial goals, whether it's stability, lower initial payments, or unique benefits.

2. Financial Preparedness: Being informed about different mortgage types helps you prepare financially for homeownership. You can plan for down payments, closing costs, and monthly payments more effectively.

3. Avoiding Regret: With a better understanding of your options, you can make informed decisions and avoid potential regrets or surprises down the road.

4. Customized Financing: Different mortgage types can be tailored to your specific circumstances, ensuring that your mortgage aligns with your unique situation.

Your journey to homeownership should be exciting and well-informed. At E Z Home Search Real Estate, we're committed to helping you make the right decisions every step of the way. By exploring the mortgage options available and understanding their implications, you'll be better equipped to make the right choice for your dream home. Whether you're a first-time buyer, a veteran, or looking for a luxury property, knowing your mortgage options is the key to turning your homeownership dreams into reality. If you have any questions or need guidance on your home buying journey, don't hesitate to reach out. We also encourage to you get a free copy of our Home Buyer’s Guide to Real Estate. With no stone left unturned, this guide will help you every step of the way. Simply complete the form below to be instant directed to this must have home buyer resource. 

We're here to help you unlock the doors to your dream home.

Posted by Christopher Terry on October 27th, 2023 4:23 PM

Buying a home is a significant milestone in life, but it often comes with a substantial financial commitment. One of the key financial aspects you'll need to consider when purchasing a home is the down payment. Additionally, you'll also need to factor in closing costs. In this guide, we'll break down what these terms mean and how much you can expect to pay as a home buyer. 

Understanding Down Payments 

A down payment is a lump sum of money that you pay upfront when buying a home. It's a percentage of the total purchase price, and it's a crucial component of the home-buying process. The down payment serves several purposes: 

1. Demonstrating your commitment: Putting down a significant amount of money upfront shows the seller that you are a serious buyer. 

2. Reducing the loan amount: A larger down payment means you'll need to borrow less money, which can lead to lower monthly mortgage payments. 

3. Mortgage approval: Lenders often require a minimum down payment to qualify for a mortgage loan. 

The down payment percentage typically ranges from 3% to 20% of the home's purchase price, depending on various factors, including the type of mortgage loan and your creditworthiness. Here's a breakdown of some common down payment options: 

1. 3% - 5% Down Payment: Some government-backed loans, such as FHA loans and certain conventional loans, allow you to make a down payment as low as 3% to 5% of the purchase price. This is a good option for first-time homebuyers with limited savings. 

2. 10% - 20% Down Payment: Many conventional loans require a down payment of at least 10%, and a 20% down payment is often considered the gold standard. A larger down payment may lead to better loan terms and lower interest rates. 

3. 20% or More Down Payment: If you can afford it, putting down 20% or more has several advantages, including avoiding private mortgage insurance (PMI) and reducing your overall interest costs. 

Understanding Closing Costs 

Closing costs are the fees and expenses associated with finalizing a real estate transaction. These costs are paid at the closing of the sale and cover various services and administrative tasks required to complete the home purchase. Closing costs typically range from 2% to 5% of the purchase price and can include the following: 

1. Loan Origination Fees: Charges from the lender for processing your mortgage application. 

2. Appraisal Fees: The cost of having a professional appraiser assess the property's value. 

3. Title Insurance: Protects you and the lender from any issues with the property's title. 

4. Attorney Fees: If an attorney is involved in the closing process. 

5. Inspection Fees: Costs associated with home inspections. 

6. Property Taxes: Pro-rated property taxes for the time you'll own the home. 

7. Homeowners Insurance: Prepaid premiums for homeowners' insurance. 

8. Escrow Fees: Money held in escrow for property taxes and insurance. 

9. Recording Fees: Costs for recording the deed and other documents. 

10. Transfer Taxes: State and local taxes associated with transferring ownership. 

Options that can help make it a bit less financially difficult.

Seller Assistance 

In some cases, a home seller may agree to cover some or all of the buyer's closing costs. This can be a significant benefit, as it reduces the upfront cash required from the buyer. This option will need to be negotiated with the seller with any agreed upon seller assistance reference in the purchase agreement. 

Gift of Equity 

And there's one more option worth considering: The Gift of Equity from a family member. 

A Gift of Equity is when a family member, typically a parent or grandparent, gifts you a portion of the home's value to be used as your down payment. This generous gift can help you enter the real estate market with less money upfront. 


When budgeting for a home purchase, it's essential to consider both the down payment and closing costs. Your specific financial situation and the type of loan you qualify for will determine the exact amounts you need to pay. To avoid surprises, work closely with your lender and real estate agent to estimate these costs accurately. 

At E Z Home Search Real Estate, we understand the importance of transparency in the home-buying process. Our team is here to guide you through every step, helping you understand your financial obligations and find the perfect home within your budget. Contact us today to start your journey towards homeownership!

Thinking of buying, but not sure where to start? Why not start by getting a copy of our Home Buyer's Guide to Real Estate? It's packed full of valuable information to help take the stress out of your big move! Plus, it's FREE with no obligation! Simply complete the form below to get instant access.

Posted by Christopher Terry on October 24th, 2023 11:55 AM

 Are you in the market for a new home? The journey to homeownership is filled with excitement, but it can also come with its fair share of challenges. One such challenge is navigating the world of mortgage lending, which includes a concept known as "Trigger Leads." In this blog post, we'll demystify trigger leads, shed light on why they can be detrimental to consumers, and provide you with valuable insights on how to protect yourself from unwanted calls and marketing.

What Are Trigger Leads in Mortgage Lending?

Before we delve into the complexities, let's start with the basics. Trigger leads are a component of the mortgage lending industry. They come into play when you engage in credit-related activities, such as applying for a mortgage or checking your credit score. When you undertake these actions, credit reporting agencies collect this data. They then compile a list of consumers who have recently "triggered" their credit reports and sell this information to various mortgage lenders.

Why Trigger Leads Can Be Detrimental to Consumers

Now that we've defined trigger leads, it's important to understand why they can be problematic for consumers:

1. Privacy Concerns

Many individuals are uncomfortable with the idea of their personal financial information being shared and used by multiple lenders without their explicit consent.

2. Unsolicited Contact

Trigger leads often result in a barrage of unsolicited phone calls, emails, and marketing materials from various lenders. This constant influx of communications can be overwhelming and intrusive.

3. Confusion and Pressure

The sheer volume of offers received as a result of trigger leads can lead to confusion. This confusion may make it challenging for consumers to make informed decisions, and it can put undue pressure on borrowers to make choices quickly.

4. Competitive Pressure

Mortgage lenders fiercely compete for trigger leads, which can sometimes lead to aggressive sales tactics and potentially less favorable loan terms for consumers.

How to Protect Yourself from Trigger Leads

The good news is that there are steps you can take to safeguard your privacy and peace of mind when it comes to trigger leads:

1. Opt-Out

You have the option to opt-out of having your information included in trigger lead lists. Contact the credit reporting agencies directly and request to be placed on the "opt-out" list, which prevents your data from being sold to mortgage lenders in this manner.

2. National Do Not Call Registry

Register your phone numbers with the National Do Not Call Registry. This simple step can significantly reduce unsolicited telemarketing calls, giving you more control over your communications.

3. Understand Your Rights

Familiarize yourself with the Telephone Consumer Protection Act (TCPA), which places restrictions on telemarketing calls. If you believe your rights under this act have been violated, you can report any violations to the Federal Trade Commission (FTC).

4. Shop Around Independently

Take charge of your mortgage search by proactively researching mortgage options and reaching out to lenders of your choice. This puts you in control and allows you to make decisions on your terms.


In the dynamic world of real estate, understanding trigger leads and their potential impact is vital. While they can be a useful tool for lenders to connect with potential borrowers, they can also pose challenges for consumers. By knowing your rights and taking proactive steps to protect your privacy, you can regain control of your home buying journey.

At E Z Home Search Real Estate, we're committed to helping you make informed decisions throughout your homeownership journey. Your quest for the perfect home should be a thrilling and stress-free adventure, and we're here to ensure that it is. If you have any questions or need further assistance in your home search, please don't hesitate to reach out. Your dream home is just a click or call away, and we're here to help you find it.

Posted by Christopher Terry on October 5th, 2023 4:15 PM


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