Boost Your Buying Power With Income Stacking

In today’s market, many qualified buyers are getting turned away — not because they don’t have the income, but because that income doesn’t come in a "traditional" package.
That’s where Income Stacking comes in.
Whether your clients are self-employed, have multiple 1099s, run a side business, or earn rental income — we combine and verify all their income sources to help them qualify for more.
✅ More purchasing power
✅ Smarter financing options
✅ Better results for agents and buyers
If you’ve got clients hitting income roadblocks, let’s talk. We specialize in turning complex income into qualified approvals.
📩 DM Joe Costa or reach out to learn how Income Stacking can help your next buyer cross the finish line.
Park Place Collective
619-990-7552

www.parkplacecollective.com

3 Reasons Home Affordability Is Improving This Fall

 

Affordability is finally improving this fall thanks to lower average 30-year fixed mortgage rates, slower home price growth, and rising wages. Learn why now could be the right time to buy.

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For much of the past two years, buyers faced the double challenge of high mortgage rates and rising home prices. But this fall, the market is shifting in ways that make homeownership more affordable than it has been in months.

Here are three reasons why:

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1. Average 30-Year Fixed Rates Have Eased

Back in May, the average 30-year fixed mortgage rate was near 7%. Today, it’s closer to 6.3%.

That drop translates to real savings. On a typical $400,000 loan, it means nearly $190 less per month—just from rates moving lower.

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2. Home Price Growth Is Cooling

After years of steep increases, national home price growth is now in the low single digits year-over-year. Some markets are even seeing small price dips.

This cooling trend gives buyers more breathing room, and in certain areas, even opens up opportunities to negotiate.

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3. Wages Are Rising Faster Than Prices

Wages have been growing at around 4% annually, and for many households, that’s finally outpacing the rate of home price growth.

When paychecks stretch further than rising costs, it makes qualifying for a home loan and keeping up with monthly payments more manageable.

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What This Means for Buyers

Put these three shifts together—lower rates, slower price growth, and stronger wages—and the impact is clear:

The typical monthly mortgage payment is about $290 less today than it was just a few months ago.

For buyers who put their search on hold earlier this year, this fall could be the right time to take another look.

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Bottom Line

Housing affordability is still a challenge, but the tide is turning in buyers’ favor. If you’ve been waiting for the right moment, this fall may offer the best opportunity in months to secure a home at a lower cost.

Have questions or want to talk through your options?
Just fill out the contact form on this page or give me a call—I’m here to help.

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#homeaffordability
#fallhousing
#mortgageopportunity
#buyahome
#marketupdate

Source: Keeping Current Matters

We’re Excited to Announce: Joe & Marni Costa Join THE REAL Mental Health Foundation as Ambassadors!

 

As the founders of Park Place Collective and our foundation arm, Park Place Foundation Group, our mission has always been about more than helping families secure a mortgage, real estate, or life insurance protection. It’s about building a foundation for wellness and creating stronger, healthier communities.

That’s why we’re proud to share an exciting new chapter: we have joined THE REAL Mental Health Foundation as ambassadors.

Why Mental Health Matters to Us

Mental health and wellness affect every part of life—how we show up for our families, how we thrive in our careers, and how we connect with our communities.

Through Park Place Collective and the Park Place Foundation Group, we’ve seen firsthand that financial stability, homeownership, and long-term security are deeply connected to mental well-being. This partnership with THE REAL Mental Health Foundation allows us to extend that mission even further.

About THE REAL Mental Health Foundation

Founded by Shawn Lesser, THE REAL Mental Health Foundation is dedicated to advancing mental health awareness by fostering conversation, community, and innovation.

Shawn’s journey is both inspiring and courageous. With more than 30 years in finance, he pioneered impact investing and helped grow what is now a $1.5 trillion industry. Yet despite professional success, Shawn faced his own struggles with mental health. That turning point led him to prioritize well-being and create THE REAL.

Through grassroots initiatives like REAL Walks and REAL Hats, and large-scale gatherings such as THE REAL Summit, Shawn and the foundation are creating spaces where business leaders, investors, and changemakers come together to address global mental health challenges.

Our Role as Ambassadors

As ambassadors for THE REAL, and as founders of both Park Place Collective and the Park Place Foundation Group, our mission is to bring these vital conversations into the communities we serve every day.

Whether through our professional work in real estate, mortgage, and life protection—or through our foundation’s community-focused initiatives—we’re committed to:

• Breaking down stigma around mental health
• Creating meaningful connections
• Inspiring proactive support for wellness

For us, this is not just about advocacy—it’s about action. We believe in showing up authentically for our clients, colleagues, and neighbors, and now we can align that passion with a movement creating lasting impact.

Looking Ahead

We’re excited to share more in the months ahead, including opportunities to get involved with THE REAL Mental Health Foundation’s events and initiatives. Together, we can ensure mental health remains part of the larger conversation about building thriving, resilient communities.

If this resonates with you, we’d love to connect, collaborate, and continue sparking conversations that truly matter.

Joe & Marni Costa Founders, Park Place Collective & Park Place Foundation Group