When buying a home, understanding the role of an earnest money deposit can make the difference between a smooth transaction and unnecessary stress. Earnest money shows a seller that you are serious about purchasing their property, and it often plays a key role in negotiating and securing your dream home. Knowing how it works, how much to offer, and what can happen to your deposit is essential for any buyer.

The PCE (Personal Consumption Expenditures) Index, the Federal Reserve's preferred inflation measure, has been on the rise but remains within expectations.

Although there was heavy speculation that this year's inflation would spike due to impactful tariff policies, it has largely stayed within forecasts--enough for the Federal Reserve to introduce a 25 basis point rate cut.

When buying a home, it is natural to focus on the property itself, from layout to finishes and outdoor space. However, many real estate experts agree that the neighborhood can be just as important, if not more so, in determining your long-term happiness, property value, and lifestyle. Understanding the interplay between the home and its surroundings can help buyers make informed decisions that balance both priorities.