Are people really buying homes through social media?

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Sales Have Stalled

With the average national mortgage rate hovering around 7%, the housing market, which was on fire during 2020 and 2021, is finally starting to cool down. Existing homes have fallen for eight straight months, according to data from the National Association of Realtors — or NAR.


But, for people who make a living selling homes, that just means it’s time to get to work. When sales start to slow, it’s a great opportunity to get creative.


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Interesting Incentives

Over the past two years, homes were practically selling themselves. But with mortgage rates at their highest in decades, that’s no longer the case.


When interest rates rise, two common tools used to incentivize buyers are adjustable-rate mortgages and buydown incentives. Both of these options give the buyer flexibility when it comes to financing their purchase.


But many realtors are turning to new outlets in order to generate leads. In particular, agents are using TikTok, Instagram (META), and Snapchat (SNAP) to find potential buyers. In a survey conducted by the NAR, 52% of agents claimed that their best leads came from social media. That’s compared to just 28% from MLS sites and 21% from listing aggregators like Zillow (ZG).

If none of those options work, some realtors have even been offering truly unique incentives like free pilates classes or a year’s worth of craft beer.

Cyclical Markets

The past two years have represented a seller’s market, as demand was high and interest rates historically low. People who were selling homes had the negotiating power and bidding wars were common.


Now, with interest rates on the rise, we are likely entering a buyer’s market. This means that buyers will face less competition, since not as many people are buying homes right now.


If you’re in the market, this might be the time to find a favorable price on your new home — or, at least, your next beer.


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The 25 safest US cities


There are many threats to safety in the United States, ranging from natural disasters, murders and mass shootings to traffic accidents and Covid infections.


There are also risks beyond hazards that can cause physical harm, like taking out an unaffordable second mortgage, forgoing health insurance and visiting unsecured websites. The cost of inflation, which reached a four-decade high this year, is another major concern for many Americans who fear for their financial stability.


Wallethub compared more than 180 cities across 42 key indicators of safety to determine where Americans can feel most secure. Their data set ranges from the percentage of fully vaccinated residents and assaults per capita to the unemployment rate and road quality.


Here are the 25 safest cities in America…




Total Score: 79.45

Home & Community Safety: 14

Natural-Disaster Risk: 48

Financial Safety: 152


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Total Score: 79.48

Home & Community Safety: 2

Natural-Disaster Risk: N/A

Financial Safety: 10






Total Score: 79.51

Home & Community Safety: 53

Natural-Disaster Risk: 30

Financial Safety: 16



John Phelan / Wiki Commons


Total Score: 79.53

Home & Community Safety: 28

Natural-Disaster Risk: 101

Financial Safety: 32


beverett / istockphoto


Total Score: 79.56

Home & Community Safety:38

Natural-Disaster Risk: 71

Financial Safety: 23






Total Score: 79.70

Home & Community Safety: 22

Natural-Disaster Risk: 2

Financial Safety: 153





Total Score: 79.75

Home & Community Safety: 35

Natural-Disaster Risk: 53

Financial Safety: 41




Joseph Plotz/iStock


Total Score: 79.85

Home & Community Safety: 20

Natural-Disaster Risk: 44

Financial Safety: 100



ABEMOS / istockphoto


Total Score: 79.98

Home & Community Safety: 10

Natural-Disaster Risk: 157

Financial Safety: 5




Total Score: 80.11

Home & Community Safety:  41

Natural-Disaster Risk: 8

Financial Safety: 38


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Total Score: 80.25

Home & Community Safety:59

Natural-Disaster Risk:36

Financial Safety: 3






Total Score: 80.51

Home & Community Safety: 37

Natural-Disaster Risk: 64

Financial Safety: 18




Nathan Livedalen / iStock


Total Score: 80.92

Home & Community Safety: 15

Natural-Disaster Risk: 89

Financial Safety: 49


Total Score: 81.03

Home & Community Safety: 26

Natural-Disaster Risk: 40

Financial Safety: 59



Deposit Photos


Total Score: 81.39

Home & Community Safety: 60

Natural-Disaster Risk: 50

Financial Safety: 1


Total Score: 81.40

Home & Community Safety: 33

Natural-Disaster Risk: 12

Financial Safety: 21





Total Score: 81.46

Home & Community Safety: 19

Natural-Disaster Risk: 55

Financial Safety: 24



Sean Pavone/ istockphoto


Total Score: 81.90

Home & Community Safety: 27

Natural-Disaster Risk: 37

Financial Safety: 11



Deposit Photos


Total Score: 82.04

Home & Community Safety:12

Natural-Disaster Risk: 14

Financial Safety: 60




Wikipedia/Marine 69-71


Total Score: 83.19

Home & Community Safety: 3

Natural-Disaster Risk: 39

Financial Safety: 113


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Mark Carosiello / iStock


Total Score: 83.19

Home & Community Safety: 5

Natural-Disaster Risk: 22

Financial Safety: 98


Dietmar Rabich / Wiki Commons


Total Score: 83.49

Home & Community Safety: 16

Natural-Disaster Risk: 11

Financial Safety:  8




Deposit Photos


Total Score: 83.96

Home & Community Safety: 4

Natural-Disaster Risk: 24

Financial Safety:  107




Not home/Wikimedia Commons


Total Score: 84.44

Home & Community Safety: 11

Natural-Disaster Risk: 27

Financial Safety: 2


Jon Platek


Total Score: 85.99

Home & Community Safety: 1

Natural-Disaster Risk: 63

Financial Safety: 92

See the complete list of the safest cities in America


Preservation Maryland / Wiki Commons


In order to determine the safest cities in which to live, WalletHub compared 182 cities — including the 150 most populated U.S. cities, plus at least two of the most populated cities in each state — across three key dimensions: 1) Home & Community Safety, 2) Natural-Disaster Risk, and 3) Financial Safety.

They evaluated those dimensions using 42 relevant metrics, which are listed below with their corresponding weights. Each metric was graded on a 100-point scale, with a score of 100 representing the highest level of safety.

WalletHub then determined each city’s weighted average across all metrics to calculate its overall score and used the resulting scores to rank-order their sample. In determining the sample, WalletHub considered only the city proper in each case, excluding cities in the surrounding metro area.


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