John J. Roach | Realty Values NY LLC

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John J. Roach

(516) 448-6781

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Locked In and Holding Out: How Low Mortgage Rates Are Freezing the Housing Market

The U.S. housing market is grappling with a persistent shortage of homes, and one major reason is the “lock-in effect.” Homeowners with ultra-low mortgage rates secured during the pandemic are reluctant to sell, even as market demand grows. This hesitance is tightening inventory, driving up prices, and reshaping the dynamics of both buying and selling real estate in 2025.

05MAY

Buy a Home, Keep the Seller’s Rate

With interest rates nearing 7%, many homebuyers in the U.S. are exploring assumable mortgages as a strategic way to save money. By taking over a seller’s existing home loan with a lower interest rate, buyers can reduce their monthly mortgage payments significantly. This article explains how assumable mortgages work and why they’re gaining popularity in today’s housing market.

28APR

Florida Condo Crisis: What Buyers and Sellers Must Know

Based on materials from the New York Post, this article explores the growing crisis in Florida’s condominium market, where stricter safety regulations and soaring insurance costs have led to a mass sell-off of older condos. Prices have dropped by up to 22% over the past two years, and buyers must navigate financing challenges due to over 1,400 properties being placed on Fannie Mae’s “blacklist.”

Farmingdale, Nassau County

Farmingdale is a city in Nassau County, New York. The city is located at 40°43’57”N and 73°26’43”W. According to the United States Census Bureau, the city’s population was 8,619. According to the last census, the median income for a household in the city was 75,504. Please visit the city page on my website and you’ll be able to see all real estate data and detailed Farmingdale statistics.

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Farmingdale, Nassau County@West Babylon, Suffolk County@Massapequa, Nassau County@Long Beach, Nassau County
/buildings_farmingdale_idChIJHzVsCLwq6IkRe8RPCBLpJxU@/buildings_west_babylon_idChIJl4MC57Es6IkRdIRsA4g2H5E@/buildings_massapequa_idChIJbwHZb2R_wokRDjeBqPaBrMk@/buildings_long_beach_idChIJyYQBQ_ZvwokRY5A746Ftk9M
Farmingdale is a city in Nassau County, New York. The city is located at 40°43'57''N and 73°26'43''W. According to the United States Census Bureau, the city's population was 8,619. According to the last census, the median income for a household in the city was 75,504. Please visit the city page on my website and you'll be able to see all real estate data and detailed Farmingdale statistics. @West Babylon is a city in Suffolk County, New York. The city is located at 40°43'5''N and 73°21'15''W. According to the United States Census Bureau, the city's population was 43,213. According to the last census, the median income for a household in the city was 82,650. Please visit the city page on my website and you'll be able to see all real estate data and detailed West Babylon statistics. @Massapequa is a city in Nassau County, New York. The city is located at 40°40'50''N and 73°28'27''W. According to the United States Census Bureau, the city's population was 21,685. According to the last census, the median income for a household in the city was 122,549. Please visit the city page on my website and you'll be able to see all real estate data and detailed Massapequa statistics. @Long Beach is a city in Nassau County, New York. The city is located at 40°35'18''N and 73°39'28''W. According to the United States Census Bureau, the city's population was 33,664. According to the last census, the median income for a household in the city was 86,848. Please visit the city page on my website and you'll be able to see all real estate data and detailed Long Beach statistics.

I know everything about Real Estate. Contact Me!

John J. Roach

Realty Values NY, LLC

201 Northwest Drive Suite#3 Farmingdale NY 11735

Email: johnroachrealty@aol.com

Phone: (516) 448-6781, (516) 927-8590

Welcome to Realty Values NY LLC. Our mission, whether you are buying or selling is to help you achieve your desired Real Estate goals by providing you with the highest level of service possible. For sellers we offer a very comprehensive and detailed Free Market Evaluation of your home. By comparing recently sold homes, homes that are currently under contract as well as homes that are presently listed for sale we are able to help you determine the best possible asking price based on your situation. Our fee for service is very competitive and we provide professional photography and Home Warranties as well.
For buyers, we offer Buyer Brokerage, let us work on your behalf and together locate that ideal home in the neighborhood you desire. We can guide you every step of the way and help you avoid costly mistakes. Let one of our Mortgage Professionals help you get a Pre approved so that the buying process goes smoothly. In addition, we can recommend attorneys specializing in Real Estate and Home Inspectors as well. I thank You in Advance for an Opportunity to Earn your Business.
John Roach, GRI
Owner/Broker