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Freddie Mac reports the national average commitment rate for a conventional, 30-year fixed-rate mortgage at 3.45 percent in April, up from 3.57 percent recorded in March 2013. Buyers were accessing rates of 3.91 percent in April 2012.

Gary Thomas, NAR President, encourages people to consult with their agent early and often. “With homes selling in half the time it took to sell a year ago, buyers must be both decisive and prudent,” he said. “Advice with contract terms and negotiations is where the expertise of a Realtor® shines for both buyers and sellers.”

www.StLouisHomesByGina.com The Gina Koerner Team 636-229-8746