Setting The Path To Profit Using Real Estate & Your Mortgage In 2022

Written by Posted On Monday, 03 January 2022 00:00

“It is better to look ahead and prepare than to look back and regret.”

Are you thinking about buying a home this year but not sure if this is a good time to do it? 

Let’s explore the trail map for real estate and mortgages in 2022.  

Ask yourself these questions to give you confidence and make your journey more enjoyable.

Questions to Answer:

How long do you plan to keep this property? 

  1. 1. (Will the property appreciate enough using conservative predictions to allow you to sell at a profit?) If you need to sell within the next two to three years, could you rent it for more than your house payment and maintenance costs?

    1. 2. Does the house payment fit comfortably enough into your budget to cover the mortgage payment and repairs on the home if you could not sell later and did not want to rent it out to anyone?

    2. 3. Do you have enough accessible savings or investments to make payments on the home for six months if you experienced an unexpected financial setback?

Choose an experienced, reputable realtor to help you determine the long-term appreciation in value on the house—not just over the last 2 years but look back several years to gauge the stability and growth of the neighborhood. Choose an experienced, reputable mortgage loan officer to help you explore the best mortgage options. Finally, consult with your financial advisor. 

Trail Map 

Let’s explore the trail map for real estate and mortgages in 2022.

Home Values

Forecasters predict that home values will continue to push upward around 7% to 8% for the year. If the predictions are correct, when you buy a home worth $300,000 today, a year from now, you may be looking at a gain in the value of around $24,000. That is a possible increase in wealth of about $2,000 per month.  

Home Inventory Levels

Lawrence Yun, the chief economist for the National Association of Realtors, predicted that inventory will increase in 2022 but not significantly in the following year.  

He predicts that the housing market will remain strong in the coming year. 

Builders will continue to struggle with supply lines and labor shortages. 

Mortgage Rates

Mortgage rates are predicted to go up as inflation rises. The Federal Reserve's actions will be key in determining how fast and how much rates rise. Historically mortgage rates go up as inflation rises and drop as inflation lessens.  

The Federal Reserve is currently tapering its aggressive purchases of mortgage bonds and treasuries. They plan to end the new purchases but may continue reinvesting about $70 billion per month from the profits on the bonds they currently have on the balance sheet. If the reinvestment continues, the rates should stay somewhere in the 3’s on the 30-year loan program. If inflation drops later in the year, the price on mortgage rates could fall again. 

The Federal Reserve plans to begin a series of rate increases throughout 2022 and 2023. Mortgage rates are not tied to the Federal Reserve Rates. Mortgage rates are expected to be influenced more by the inflation rate than other factors.

Rent Rates

The rise in rental rates vary from city to city. However, most predictions are that rental rates will continue to increase in 2022 by 5% to 10% for the year. Rising rental rates will continue to compel renters to gravitate toward buying a home.

Historically owning real estate with a fixed-rate mortgage has served as an excellent hedge of protection against the storms of inflation.  Owning your home creates multiple chances to profit when the value goes up, and the mortgage balance is paid down. Your home offers flexibility. You can rent it to tenants for income or borrow against it in an emergency. 

Which path to homeownership will you take?

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Jo Garner

 NMLS# 757308 (currently working with Sierra Pacific Mortgage, Inc Cordova, TN  NMLS # 1788 An Equal Housing Lender)

“Whatever YOUR  personal priorities are, my job is to help you get the mortgage terms that will give you bragging rights when you talk about it and help you score on  hitting your goals .”

As a mortgage loan officer, my job is to help you get to the  benefits you want from your financing terms.  What is most important to you? I can help you find the financing terms that will help you get to what you want.   What is your comfort level on a house payment? How much are you comfortable paying down,? What type of financing do you need to get the house you want to buy or refinance?

Different clients have different priorities in life—some are buying their first home with very little down payment funds.  Some are recovering from medical challenges, divorces or preparing to send children to college and some are embarking on a long term goal of buying properties to build rental income.”

Jo Garner is a mortgage officer with extensive knowledge in tailoring mortgages to her customers who are refinancing or purchasing homes all over the country.  She offers conventional, FHA, VA or other loan programs for refinancing and purchases. 

Jo can help you look at rent vs buy, when it makes sense to refinance, how to get the best deal on your home  purchase financing.  

Jo Garner  has been in the real estate/financing business for over 25 years.  She got her start in Portland, Maine where she first began her real estate career. She received her real estate education from the University of Southern Maine  and was personally mentored in San Diego, California  by Robert G. Allen, author of Nothing Down, Creating Wealth and The Challenge

On moving back to West Tennessee in 1987, she went into business buying and selling discounted owner-financed notes secured on real estate.  In 1990 Jo went to work for a residential mortgage company and has been a mortgage loan officer for over 25 years.  Her goal is to offer excellent, affordable service to her customers, tailoring the loan programs to the specific needs of her clients.  

In addition to her work in the mortgage field, Jo Garner is the primary sponsor and founder of Talk Shoppe in Memphis.

Jo Garner also host the radio show Real Estate Mortgage Shoppe airing on News Radio AM 600 WREC and iHeart Radio with podcasts and show notes published on

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Pick up her book “Choosing the Best Mortgage-The Quickest Way to the Life You Want on and .
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