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Arden

Arden is an unincorporated community located in southern Buncombe County, North Carolina, in the United States.[1] Arden is approximately considered the area between Skyland and Fletcher near the Hend ...

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Brevard

Brevard is a city and the county seat of Transylvania County, North Carolina, United States, with a population of 7,609 as of the 2010 census. Brevard is located at the entrance to Pisgah National For ...

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Fletcher

The Town of Fletcher, which was incorporated in 1989, is located in Henderson County, North Carolina approximately 13 miles south of Asheville. The Town contains 6.1 square miles of land area and meas ...

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Hendersonville

Hendersonville, North Carolina is a charming, 2,200-foot elevation mountain community steeped in history and cradled by the Blue Ridge Mountains. With a population of 13,000, it is a quarter the size ...

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Meet the Agent

Kim Hawkins

Agent
kimhawkinsrealestate828@gmail.com
828-280-2606
License Number: 302842
Testimonials

It is with great honor and pride I can call my house my home — and it is all thanks to the work and time Kim took with my family to find just the right one. It took some time but she was patient, thorough and found us our perfect slice of heaven. Her work ethic is off the charts, her resources are countless and she led us every step of the way. If you’re looking for an easy, stress-free real estate experience, you’ve found the perfect person! She’s an 11 out of 10 stars!!!

by Sarah Reynolds

Kim Hawkins is a personable, attentive, loving and professional Realtor who has mastered people skills and the competence of her profession. I will add, she cares about people and finding the right home for each individual. She is top notch realtor and human being. Bishka and Alexander Ravenel

by Bishka Ravenel

If you truly want to find that special home that you have been looking for you must contact Kim Hawkins. She is truly amazing and will go through all lenghts to help you find what you are looking for. Kim puts her heart and soul into helping you and she will walk you through every step She is so kind, patient and puts all her time and effort into focusing on you and what you are searching for. I have searched for a couple years and started to feel it just wasn't going to happen but I finally connetcted with Kim Hawkins in June of 2019 and had a smooth, successful close and moved into my beautiful home on August 23, 2019 and I love it so much! I absolutly recommend Kim for anyone who is serious about buying or selling your home!

by Carol LeBlanc

Kim just sold a house for us in Hendersonville NC. We called her in before we were finished with the remodel for advice. WoW is all I can say. All of her advice paid off and got us top dollar and two offer is four days. She is patient, kind and hard working. I would recommend Kim to everyone.

by Barbara Hoogervorst

Kim is amazing at helping you find exactly what you are looking for. She's very accessible, knowledgeable about what's out there and willing to go that extra mile to help you move in to the home of your dreams.

by Staci Shanks Jackson

We were referred to Kim by a friend of ours to start looking for a house for our family as our first home! Kim asked us what we wanted in a house and what area! She stuck to our buy and our LOCATION!! She did an amazing job and found us our first home! She was always responsive and was very flexible with our schedule!! I would recommend her if you need a realtor to buy or sell a home!

by Melissa Lynn Nottingham
Articles

Should I Move with Today’s Mortgage Rates?




When mortgage rates spiked up over the last few years, some homeowners put their plans to move on pause. Maybe you did too because you didn’t want to sell and take on a higher mortgage rate for your next home. But is that still the right strategy for you?

In today’s market, data shows more homeowners are getting used to where rates are and thinking it may be time to move. As Mark Zandi, Chief Economist at Moody’s Analyticsexplains:

“Listings are up a bit as life events and job changes are putting increasing pressure on locked-in homeowners to sell their homes. Homeowners may also be slowly coming to the realization that mortgage rates aren’t going back anywhere near the rate on their existing mortgage.

recent study from Bank of America sheds light on some of the things homeowners say would make them sell, even with rates where they are right now (see visual below):

a group of blue and white icons

What Would Motivate You To Move?

Now that you know why other people would move, take a minute to think about what would make a move worth it for you. Is it time to take a chance and go for your dream job, even though it’s not local? Are you looking for a neighborhood that has more to offer and a close-knit sense of community? Maybe you just need more space, you’re looking for your next great adventure, or you want a house that opens up rental opportunities to pad your income.

And here’s something else to consider. Mortgage rates are still expected to go down over the course of the year. And once that happens, there’s going to be a big rush of buyers jumping back into the market. While you could delay your plans until rates drop, you’ll only have more competition with those buyers if you do.

So, does that mean it’s worth it to move now, even with rates where they are? The answer is: that it depends.

You'll want to consider today’s mortgage rates, where they’re expected to go from here, and what would prompt you to want to make a change as you decide on your next steps. An expert can help with that. 

Bottom Line

Other homeowners are getting used to rates and deciding to move. Let’s chat to go over what matters most to you and if it’s time for you to jump back into the market too. 

Is It Better To Rent Than Buy a Home Right Now?




You may have seen reports in the news recently saying it’s more affordable to rent right now than it is to buy a home. And while that may be true in some markets if you just look at typical monthly payments, there’s one thing that the numbers aren’t factoring in: and that’s home equity. Here’s a look at how big of an impact equity can have and why it’s worth considering as you make your decision.

What the Headlines Are Based on

The graph below uses national data on the median rental payment from Realtor.com and median mortgage payment from the National Association of Realtors (NAR) to compare the two options. As the graph shows, especially if you’re not looking for a lot of space, it can be more affordable on a monthly basis to rent:

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But if you’re looking for something with 2 bedrooms, the gap between the median rent and the median mortgage payment starts to shrink to a difference that may be more doable. The median monthly mortgage payment is $2,040. The median monthly rent for 2 bedrooms is $1,889. That’s a difference of about $151 a month. But here’s what happens when you factor in equity too.

How Equity Changes the Game

If you rent, your monthly rental payments only go toward covering your housing costs and your landlord’s expenses. So other than saving a bit more per month and maybe getting your rental deposit back when you move, the money you spent on housing each month is gone – forever.

When you buy, your monthly mortgage payment pays for your shelter, but it also acts as an investment. That investment grows in the form of equity as you make your mortgage payment each month and chip away at what you owe on your home loan. Your equity gets an extra boost as home values climb – which they typically do.

To give you a clearer idea of how equity can really stack up fast, here’s some data for you. Each quarter, Fannie Mae and Pulsenomics publish the results of the Home Price Expectations Survey (HPES). It asks more than 100 economists, real estate professionals, and investment and market strategists what they think will happen with home prices. In the latest release, those experts say home prices are going to keep going up over the next five years.

Here's an example of how equity builds based on the projections from the HPES (see graph below):

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Imagine you purchased a home for $400,000 at the start of this year. Chances are, since you bought, you plan to stay put for a while. Based on the HPES projections, if you live there for 5 years, you could end up gaining over $83,000 in household wealth as your home grows in value.

Here’s how that stacks up compared to renting, using the overall median rent from above:

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While you may save a bit on your monthly payments if you rent right now, you’ll also miss out on gaining equity.

So, what’s the big takeaway? Whether it makes more sense to rent or buy is going to vary based on your personal finances. It’s not a good idea to buy if the numbers truly don’t work for you. But, if you’re ready and able, adding equity as the final puzzle piece may be enough to help you realize buying is a better move in the long run.

Bottom Line

When it comes down to it, buying a home gives you a benefit renting just can’t provide – and that’s the chance to gain equity. If you want to take advantage of long-term home price appreciation, let’s go over your options.