GROW YOUR CAREER WITH LIBERTAS

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If you’ve been wondering:

“Why are homes still expensive even after rates doubled?”

Here’s the answer:

Because affordability didn’t break recently.

It’s been changing for 50 years.

In 1970:

Homes cost 2.7× income

Today:

Homes cost 5.1× income

That means buyers today must commit nearly double the financial effort previous generations needed.

So affordability didn’t suddenly disappear.

It slowly eroded.

Normally:

higher rates = lower prices

But something unusual happened.

Millions of homeowners locked into 3% mortgages decided not to sell.

Moving today often means paying $12,000+ more per year for the same house.

So they stayed put.

Inventory collapsed.

Prices stayed high.

It isn’t investors.

It isn’t migration.

It’s supply.

Cities that build more homes stay affordable.

Cities that restrict building don’t.

Example:

Austin ≈ 5× income

San Francisco ≈ 11× income

Supply determines affordability.

Always.

What if a newsletter like this one went out under your name to your clients and prospects—without you writing a single word?

We’re considering launching a fully done-for-you local real estate newsletter service where we handle everything:

✔ Writing
✔ Design
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✔ Database growth strategy
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You become the trusted voice of your market.
We do all the work behind the scenes.

Before we build it, we want your input. 👇

If fewer homeowners are moving, agents must adjust.

Here’s what works in this market:

Expireds
FSBOs
absentee owners
investors

These are your opportunity zones.

Divorce
death
relocation
downsizing
financial pressure

These sellers still move regardless of rates.

New construction is becoming a larger share of available inventory.

Agents connected to builders stay busy.

Most agents are waiting for the market to “normalize.”

But this is the new normal.

Fewer listings.

Longer ownership cycles.

Stronger need for real sales skills.

Agents who adapt now will have less competition later.

And that’s exactly where you want to be.

— Tim Harris
Tim & Julie Harris® Real Estate Coaching
https://whylibertas.com/harris

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In one focused 20-minute session, your Harris Certified Real Estate Coach will dig into:

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If you’re ready to make 2026 your breakthrough year, don’t wait.
This is your chance to partner directly with Tim and Julie.

Let’s go! It’s time for you to upgrade your real estate brokerage experience.

👉 Go now to https://WhyLibertas.com/Harris or text Tim directly at 512-758-0206.

Opportunity doesn’t wait — and neither should you.

A SMALL FAVOR → A REAL THANK-YOU

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