Friends and Clients — If you've been thinking about upgrading to a new home, you'll want to read this email. As you'll see, current conditions make it an incredible time to sell — as well as to buy a bigger or more luxurious home. Let's look at the details: 1. Enticing mortgage rates The 30-year fixed mortgage rate recently fell to 3.49%. This is a drop of 1.5% in the last year alone. It puts current mortgage rates in the neighborhood of record lows that we saw in 2012. Not surprisingly, many buyers are ready to invest in these attractive conditions. A strong job market is fueling demand even more. Yet home sales are stagnating. What's going on? 2. Deep housing shortage The answer is simply the lack of homes on the market. The number of homes for sale in November was the lowest on record for the month. In fact, fewer existing homes sold in 2019 than in 2018, and experts say tha...