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  <lastBuildDate>Fri, 30 Oct 2026 16:24:34 GMT</lastBuildDate>
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    <title>Selling in 2025: Why the Lock-In Effect Is Loosening — and What It Means for Your Listing</title>
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    <description>Millions of homeowners have been anchored to sub-3% mortgages, freezing inventory and frustrating would-be sellers. With rates moderating and buyer demand regaining footing, 2025 presents a genuine decision point. Here is our take on whether waiting is truly worth it.</description>
    <author>Kunal Realty Services</author>
    <category>Market Insights</category>
    <pubDate>Fri, 30 Oct 2026 16:05:18 GMT</pubDate>
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    <title>The Real Price of the Keys: Overlooked Expenses That Catch First-Time Buyers Off Guard</title>
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    <description>The down payment is only the beginning. From closing costs to maintenance reserves, here is a clear-eyed breakdown of the expenses first-time buyers most often overlook — and a practical worksheet to help you budget for all of them.</description>
    <author>Kunal Realty Services</author>
    <category>Home Buying</category>
    <pubDate>Fri, 30 Oct 2026 16:05:18 GMT</pubDate>
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