Ron Siegel Radio featuring Mary Gaston

Decoding the Year of Fives: Insights on Home Appreciation and Mortgage Rates

As we navigate through the shifting tides of the real estate and financial markets, the "Year of Fives" stands as a pivotal marker. But what does it spell for homeowners and buyers alike? Join us as we delve into the intricacies of mortgage rates, home sales, and appreciation trends that could shape your decision-making in 2024.

The real estate forecast has been a hot topic, especially with the prediction that 2024 will be the 'Year of Fives.' This forecast predicts a five handle on interest rates, 5.5 million total home sales, and a 5% appreciation in home values. But what does this mean for you, whether you're sitting cozy in your current home or scouting the market for a new one?

As a seasoned mortgage expert and consumer advocate, I, Ron Siegel, took to the airwaves with Mary Gaston from RealtyPro100 to dissect these projections and what they mean for our listeners. Our discussion touched on the normalization of the market and how current trends compare to the long-term history of mortgage rates.

We unraveled that the 'norm' varies for different generations, with millennials rarely seeing a five handle during their time in the real estate sphere. We also looked at how the rates' ebb and flow could influence both buyers' and sellers' decisions.

We can't ignore the 'lock-in effect,' where current low rates may dissuade homeowners from selling. Yet, we may be at its peak, with more homeowners realizing that rates of 3% and 4% are likely a thing of the past. This might be the push needed for a market influx of available homes.

For those considering selling, we've entered an era where the gap between your current rate and the new rate isn't as staggering as before, making moves more palatable financially. Plus, with more buyers re-entering the market due to the downward trend, demand for your home could be on the rise.


If you've been on the fence about selling due to higher mortgage rates or perceived buyer scarcity, it's time to re-evaluate. Opportunities are emerging for both sellers and buyers as we witness mortgage rates descend from their peak. Take action based on education and real-time market insights. If you're considering leveraging your current home's value or stepping into a new one, visit to get the full video replay for a comprehensive understanding.

For personalized advice tailored to your unique situation, don't hesitate to reach out. My team and I are here to guide you with precise market evaluations and strategic planning, ensuring you make the most informed decisions.For more insights and personalized advice, don't hesitate to contact me directly or visit Let's turn knowledge into action.



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My name is Ron Siegel, Radio Host and Branch Manager at Geneva Financial. And I'm dedicated to helping homebuyers like you get pre-approved on your mortgages across America. Whether you're purchasing, refinancing, downsizing, buying a rental, or even your first mortgage, we got you covered. Specifically, I'm licensed in these states: California, Idaho, and Texas. Our Company is licensed in 48 States. For more licensing information, please visit

The information contained is the viewpoint of the presenter(s). Individuals should consult their own financial representative. Geneva Financial LLC. All rights reserved. NMLS ID# 42056 ( Equal Housing Opportunity. This information is not intended to be an indication of loan qualification, loan approval, commitment to lend, or offer to enter into an agreement. Loans are subject to credit and property approval. Not all customers will qualify. Information, rates, terms, and availability of programs are subject to change without notice. Not all products are available in all states or for all dollar amounts. If you are refinancing your existing loan, your total finance charges may be higher over the life of the loan. VA loans subject to VA eligibility. Other restrictions and limitations apply.


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