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Tom Hernandez
REALTOR
314-724-4933
Tom@StCharlesHomes.com
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StCharlesHomes.com
Your Trusted Real Estate Partner
  • Our listings
  • Areas guide
    • Landscapes
    • Lifestyles
    • Things to-do
  • Our blog
  • About us
    • Our company
    • Success stories
    • Recommended lenders
    • Finding a lender
  • Contact
StCharlesHomes.com
Your Trusted Real Estate Partner

Our Blog

Mastering the basis of real estate matters may be the best way to feel more confident during your journey. Explore our blog posts to discover some interesting news.
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Market Insight

What Today’s Near-Historic Lows in Demand & Turnover Mean for Buyers and Sellers

The real estate market continues to move through one of the most unusual cycles we’ve seen in decades. Demand and turnover are sitting near historic lows across much of the United States, and the St. Louis–St. Charles region is no exception. But low demand doesn’t…
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Tom Hernandez 11/25/2025
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St. Louis/St. Charles Area Trends for November 2025

Nationwide, 30-year fixed-rate mortgages are hovering in the low-6 % range — for example around 6.24 % as of mid-November 2025. CBS News+3FRED+3Bankrate+3 While this is a step down from some peaks earlier in the year, it still means borrowing costs are elevated…
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Tom Hernandez 11/20/2025
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Investors

Mortgage Rates, Financing Strategy & Investment Properties in 2025

Financing has been one of the toughest hurdles for real estate investors in the past two years, with mortgage rates hovering higher than a decade ago. While rates remain elevated, Fannie Mae’s most recent outlook suggests they may settle in the mid-6% range for much of…
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Tom Hernandez 11/17/2025
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Investors

Why Increased Inventory Changes the Game for Investors

For the first time in years, buyers—including investors—are seeing more choices on the market. Active listings jumped nearly 29% year-over-year this summer, a signal that sellers are adjusting to slower demand. For investors, this creates negotiating leverage. Price…
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Tom Hernandez 11/17/2025
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2025 Housing Market Reality: What Investors Need to Know

The 2025 housing market has already surprised many industry experts. After years of record growth, home values are expected to level off, with most forecasts predicting only minor appreciation
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Tom Hernandez 11/6/2025
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Navigating Missouri's Real Estate Landscape: A Buyer's Guide in Today's Market

The real estate market in Missouri has been a hot topic in recent times, with fluctuating trends, evolving demands, and a dynamic landscape. Whether you're a first-time homebuyer, an investor, or someone looking to make a move, understanding the current atmosphere is…
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Tom Hernandez 11/30/2023
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Enhancing Curb Appeal: Elevating Your Home's Sale Potential

When it comes to selling your home, the first impression often sets the stage for potential buyers' perceptions. As they say, "you never get a second chance to make a first impression," and in real estate, this rings particularly true. One of the most impactful ways to…
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Tom Hernandez 11/27/2023
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Understanding the Factors that Influence Home Loan Interest Rates

When it comes to purchasing a home, securing a mortgage with a favorable interest rate is paramount. Interest rates play a crucial role in determining the overall cost of homeownership. However, understanding the intricate web of factors influencing these rates can often…
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Tom Hernandez 11/17/2023
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The Down Payment Dilemma: How Your Upfront Investment Shapes Your Home Purchase

Buying a home is a significant financial milestone, and one of the key players in this complex game is the down payment. This upfront investment can influence various aspects of your home purchase, shaping the trajectory of your homeownership journey. Let's dive into how a…
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Tom Hernandez 11/9/2023
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The Impact of Current Inflation on the Missouri Housing Market

The specter of inflation has been looming large over the United States in recent times, and Missouri's housing market is not immune to its effects. Inflation, characterized by the steady rise in the prices of goods and services, can have a significant impact on the real…
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Tom Hernandez 10/30/2023
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Navigating the Current Housing Market in St. Charles County, Missouri

The housing market in St. Charles County, Missouri, has been a hot topic of conversation in recent years. With its proximity to St. Louis, strong job opportunities, and a family-friendly atmosphere, the county has become an attractive destination for both homebuyers and…
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Tom Hernandez 10/30/2023
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Exploring the Charm of Cottleville, MO: A Comprehensive Guide to Real Estate

Nestled in the heart of St. Charles County, Missouri, Cottleville is a quaint and charming city with a rich history

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Tom Hernandez 10/19/2023
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Address

St. Charles CountyMLS ID #STLB01
3829 Veterans Memorial Pkwy.MOSt. Peters 63376US
636-442-1333
info@stlbuyandsell.com

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