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So far Brian Carpenter has created 84 blog entries.
14 01, 2026

Mortgage Rates Hit Multi-Year Lows — What It Means for Oxford, MS Homebuyers

By |2026-01-14T09:32:26-06:00January 14th, 2026|Lending|0 Comments

Mortgage rates in the United States have recently moved lower, offering renewed opportunity for homebuyers and homeowners in Oxford, MS real estate. According to new data, the average rate on a 30-year fixed mortgage fell to about 6.18%, one of its lowest levels in years — a trend that’s boosting both purchase and refinance activity nationwide. 📉 What’s Driving Lower Mortgage Rates? Buyers may benefit from recently lowered mortgage rates. Mortgage rates slid last week, with the 30-year fixed rate dropping several basis points and adjustable-rate mortgages showing even sharper declines. This shift has [...]

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2 01, 2026

How to Buy a House Cheap in Oxford, MS: Local Strategies & Market Stats for Lafayette County Buyers

By |2026-01-02T13:42:54-06:00January 2nd, 2026|Home Buyers, Oxford Homes For Sale|0 Comments

How to Buy a House Cheap in Oxford, MS — Local Market Guide Explore homes for sale in Oxford, MS with Kiamie Real Estate — your guide to finding undervalued properties and negotiating smart deals. Happy New Year from Kiamie Real Estate! If you’re searching for homes for sale Oxford MS and want to stretch your budget further, there are still ways to find value — even when prices and interest rates remain challenging. Current Oxford & Lafayette County Market Stats (2025) Understanding local data gives you a real advantage. As of late 2025: [...]

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10 12, 2025

Fed Rate Move: What It Means for Oxford Homebuyers and Sellers

By |2025-12-10T15:50:07-06:00December 10th, 2025|Home Buyers, Homeowners|0 Comments

Why the Fed’s Latest Rate Cut Could Matter for Homebuyers and Sellers in 2026 Discover how the Federal Reserve’s latest rate cuts could boost buying power in 2026. Learn what falling interest rates mean for Oxford, MS homebuyers and sellers with insights from Kiamie Real Estate. The Federal Reserve recently lowered its benchmark interest rate — the third cut of 2025 — bringing the target range down to 3.50%–3.75%. Although the Fed doesn’t directly set mortgage rates, this move still sends a helpful signal to the housing market. Generally, when the Fed cuts rates, [...]

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13 11, 2025

Mississippi Jumps to 16th in K–12 Education: What This Means for Oxford Homebuyers

By |2025-11-13T15:44:47-06:00November 13th, 2025|Home Buyers|0 Comments

Mississippi Rises to 16th in K–12 Education—What It Means for Oxford Homebuyers Mississippi just achieved a significant milestone in education: in the latest national report, the state climbed to 16th place in K–12 education—its highest ranking ever. mpbonline.org+1 For those looking at real estate in the Oxford area, this boost adds appeal to local schools and neighborhoods. Why the Ranking Matters for Homebuyers Mississippi’s rising K–12 education ranking strengthens community appeal and boosts demand for homes in Oxford. Quality education is a top priority for families purchasing a home. Better school rankings often translate [...]

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3 11, 2025

Understanding Real Estate Contract Contingencies in Oxford, Mississippi: What Buyers and Sellers Should Know

By |2025-11-03T09:08:22-06:00November 3rd, 2025|Home Buyers, News, Selling Your Home|0 Comments

Understanding Real Estate Contract Contingencies in Oxford, Mississippi Kiamie Real Estate agents help Oxford homebuyers understand key contract contingencies—like financing, inspection, and appraisal clauses—before closing on their Mississippi home. Buying or selling a home in Oxford, Mississippi can be one of the most rewarding milestones in life. Once an offer is accepted, both parties enter into a real estate contract — and one of the most important parts of that agreement is the contingencies. These clauses help protect buyers and sellers by outlining specific conditions that must be met before the sale can close. [...]

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31 10, 2025

Mississippi Homeowners Can Apply for Safe Room Grants Starting October 31

By |2025-10-31T09:11:34-05:00October 31st, 2025|Homeowners|0 Comments

Mississippi Homeowners Can Apply for Safe Room Grants Starting October 31 Mississippi homeowners can apply for Safe Room Grants starting October 31 to build FEMA-approved storm shelters for severe weather protection. Protect Your Home and Family with a FEMA-Approved Safe Room Mississippi residents will soon have a valuable opportunity to improve home safety. Beginning October 31, homeowners across the state can apply for Safe Room Grants through the Mississippi Emergency Management Agency (MEMA). These grants provide financial assistance for building FEMA-approved safe rooms—secure, reinforced structures designed to protect families during severe weather events like [...]

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29 10, 2025

Lafayette County Lowers Property Tax Rate for 2025–2026, Easing the Burden for Homeowners

By |2025-10-29T11:04:48-05:00October 29th, 2025|News|0 Comments

Lafayette County Lowers Property Tax Rate for 2025–2026 Lafayette County Board of Supervisors votes to lower property tax rates for 2025–2026, helping Oxford homeowners save more this year. Homeowners across Lafayette County will see some welcome relief on their property tax bills this year. Following a county-wide property reassessment that raised home values, the Lafayette County Board of Supervisors voted to reduce the millage rate from 37.51 to 35.51 mills for the 2025–2026 fiscal year. The Board’s decision helps offset the higher appraised property values and keeps the county compliant with Mississippi’s 10% cap [...]

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20 10, 2025

Understanding Condo Ownership: What Oxford Homebuyers Should Know Before Buying

By |2025-10-20T09:59:17-05:00October 20th, 2025|Oxford MS Condos for Sale|0 Comments

Understanding Condo Ownership: A Complete Guide for Homebuyers Modern condominium living in Oxford, Mississippi—where comfort, convenience, and community come together. For many aspiring homeowners, especially first-time buyers, a condominium (or condo) represents the perfect balance between affordability, convenience, and community living. Whether you’re drawn to a modern downtown unit near restaurants and entertainment or a quiet development surrounded by nature, buying a condo in Mississippi offers unique advantages—and a few responsibilities you’ll want to understand before signing the dotted line. At Kiamie Real Estate, we help clients across Oxford, Lafayette County, and beyond navigate [...]

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9 10, 2025

2026 Oxford Housing Market Forecast | Kiamie Real Estate

By |2025-10-09T09:19:43-05:00October 9th, 2025|News|0 Comments

Forecasts suggest the U.S. housing market could rebound in 2026, with experts predicting nearly a 10% jump in home sales. Experts Predict Nearly 10% Jump in U.S. Home Sales for 2026 After several years of market slowdowns and affordability challenges, experts are predicting a potential rebound in home sales in 2026 — but opinions differ on just how strong the recovery will be. Projections from institutions like Fannie Mae show optimism about declining mortgage rates and increased buyer activity, while other analysts foresee slower growth and lingering affordability issues, especially in regional markets like [...]

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18 09, 2025

How Recent Rate Cuts & Mortgage Trends Are Benefiting Buyers in Oxford, MS

By |2025-09-18T09:20:36-05:00September 18th, 2025|Home Buyers|0 Comments

Lower mortgage rates are creating new opportunities for buyers exploring homes for sale in Oxford MS. How Recent Rate Cuts & Mortgage Trends Are Benefiting Buyers in Oxford, MS If you’re watching for homes for sale in Oxford MS, now might be one of the best times to buy. Two recent changes in the market are lining up in favor of homebuyers—lower interest rates and falling mortgage averages. Understanding both can help you make smarter moves. What’s changed?The Federal Reserve just made its first rate cut this year, lowering its benchmark interest rate. More [...]

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9 09, 2025

Oxford & Lafayette County Real Estate Market – Q3 2025

By |2025-09-09T08:47:24-05:00September 9th, 2025|Property Value|0 Comments

If you’ve been keeping an eye on homes for sale in Oxford MS, now is the time to pay attention. The local market continues to outperform national trends, making Oxford and Lafayette County one of the most attractive areas for buyers, sellers, and investors alike. Oxford Housing Market Outlook Oxford’s real estate market is thriving, with median home prices climbing into the $400K–$500K range. Many property types have seen double-digit year-over-year appreciation, highlighting the strength and stability of our area. This steady growth makes Oxford a highly desirable market for both homeowners and investors. Lafayette County [...]

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2 09, 2025

Mortgage Rates Fall—A Big Opportunity for Oxford, MS Homebuyers

By |2025-09-02T09:29:14-05:00September 2nd, 2025|Lending|0 Comments

If you’ve been watching the housing market in Oxford, Mississippi, there’s good news: mortgage rates are dropping again. As of August 27, 2025, the average 30-year fixed mortgage rate slipped to 6.54%—the lowest level in nearly a year. For families, investors, and first-time buyers looking at homes for sale in Oxford, MS, this shift could make the difference between waiting on the sidelines and finally making a move. Why Lower Rates Matter in Oxford Oxford is a unique market, shaped by steady student demand from the University of Mississippi, retirees seeking small-town charm, and professionals drawn [...]

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29 08, 2025

Oxford Commercial Real Estate Mid-2025: What You Need to Know

By |2025-08-29T15:12:57-05:00August 29th, 2025|Lending|0 Comments

Oxford Commercial Real Estate Mid-2025: What You Need To Know Oxford’s Strong Commercial Market Oxford, MS continues to shine as a hub for commercial real estate. Thanks to its thriving university, robust infrastructure, and steady tourism, the market remains a compelling choice for both investors and business owners. Whether you’re seeking rental income or high-visibility space, Oxford delivers opportunity and dependability. Current Rental Market Overview Downtown & University Avenue Average Rents: $26/SF/YR Range: $13–$30/SF/YR Trends: Newer developments like The Commons and Sisk Avenue are driving top rates ($26–$30/SF/YR), while older buildings along Jackson Avenue provide solid value ($13–$21/SF/YR). Office [...]

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22 08, 2025

Oxford, MS Real Estate & Mortgage Market Update

By |2025-08-22T15:07:48-05:00August 22nd, 2025|Lending|0 Comments

Oxford MS Real Estate Market & Mortgage Trends – Summer 2025 Introduction: Oxford Real Estate in Summer 2025 The U.S. housing market is evolving quickly, and Oxford, MS real estate is standing out with strong growth. For buyers searching houses  for sale Oxford MS, understanding how mortgage rates, inflation, and local housing demand interact is key to making smart moves this year. July 2025 Economic Data: National Housing & Mortgage Overview Inflation & Consumer Prices Consumer Price Index (CPI): +0.2% month-over-month, +2.7% annually Core CPI: 3.1% annually, running hotter than headline inflation Mortgage Applications & Refinancing [...]

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30 07, 2025

2572 Oxford Way, Suite 102, Oxford, MS

By |2025-07-30T15:48:06-05:00July 30th, 2025|Lending|0 Comments

Ivy & Elm offers a unique setting for a coffee retailer looking to serve a high-value, built in audience (504 beds) close to Oxford's most popular destinations and is just feet away from the campus bus stop located at the the property. Discover a remarkable opportunity in Oxford, MS: 2572 Oxford Way, Suite 102—a prime commercial/retail space available at Ivy & Elm in August 2026. Close to Ole Miss, local retail centers, dining, and entertainment areas—perfect for both local and visitor traffic. Listing ID: 161259 Price: $2,036/month ($25 psf) SqFt: 977 Property Type: Commercial Lease type: NNN, [...]

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6 06, 2025

Protect yourself with title insurance

By |2025-06-06T11:15:14-05:00June 6th, 2025|Home Buyers|0 Comments

Warning signs of title fraud may have occurred if you have unexpected notices cease to receive bills. Title insurance protects you from fraudulent claims on your property. When buying a home, a full title search can be requested, but purchasing title insurance is a great additional step to make sure that the title is protected while you possess the property. Title fraud occurs when an individual transfers the title or deed of your property without your consent. The goal of the criminal is to misappropriate your funds by creating the illusion that another person [...]

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18 09, 2023

Oxford is the second fastest growing college town according to study

By |2023-09-19T09:50:58-05:00September 18th, 2023|Home Buyers|0 Comments

Oxford, MS has been ranked as the second fastest growing college town according to a recent nationwide study by New BrokeScholar. For those of us that live in Oxford, this comes as no surprise. Oxford’s  population grew 102% between 2000 and 2023, and is expected to grow another 24% by 2030. Oxford, Mississippi boasts a thriving real estate market. The city offers a diverse range of properties, including charming historic homes, modern townhouses, and spacious rural estates. With its picturesque landscapes and vibrant community, Oxford is an incredible place to invest in your business, your family, [...]

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22 07, 2022

Getting ready to sell your home? Find real estate comps.

By |2022-07-22T11:38:46-05:00July 22nd, 2022|Home Buyers, Property Value, Selling Your Home|0 Comments

Are you ready to sell your home? A CMA is the key to not overpricing your home. When you are ready to sell your home, you will need to know the true value of your property. This can be achieved by a comparative market analysis. A CMA will look at the age of the home, property location, design and build, condition, and size among other factors. CMA's can be helpful in buying and selling as well as investing and making housing market predictions. Comps are determined by a licensed appraiser or a real estate [...]

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18 04, 2022

Short supply of houses for sale in Oxford

By |2022-04-18T14:45:38-05:00April 18th, 2022|News|0 Comments

There is a shortage of houses for sale in Oxford. Houses for sale in Oxford are few in number and increasingly exceeding the budget of buyers. Housing affordability is becoming a challenge for some homebuyers, especially for real estate in Oxford, MS. The real estate market in Oxford, MS is experiencing a multi-generational apex . Millennial homebuyers are beginning to have growing families and are increasingly purchasing homes. Simultaneously, many baby boomers want to retire in Mississippi to benefit from the tax incentives. The homebuying recovery is also strong. Buyers are eager to purchase [...]

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24 02, 2022

Housing market in Oxford: 2022 outlook

By |2022-02-24T13:54:52-06:00February 24th, 2022|News|0 Comments

We are expecting to see several events occur to change the housing market in Oxford. Here is our outlook for 2022. What is driving the housing market in Oxford? Hint: it's more than just the latest mortgage rates. Let's look back First, we need to begin in 2020. In March 2020, interest rate reduction allowed people to lower their respective payments through refi programs while also allowing people to borrow more money. The shutdown created less homes on the market due to supply chain bottlenecks, rising costs, and labor shortages. The small number of [...]

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