--- title: HomeTraq University | Brett O'Daniell (3) description: Co-Founder of HomeTraq. 18+ years real estate and mortgage experience. (3) --- [![HomeTraq](https://university.hometraq.io/hs-fs/hubfs/HomeTraqLogoSM-1.png?width=6000&height=1800&name=HomeTraqLogoSM-1.png "HomeTraq")](https://HomeTraq.com) - [For Home Buyers](https://hometraq.com/how-it-works) - [For Lenders](https://explore.hometraqbuyers.com/for-lenders) - [For Agents](https://explore.hometraqbuyers.com/for-agents) - [Live Video Tours](https://explore.hometraqbuyers.com/live-video-tours) - Resources - [Blog](https://university.hometraq.io) - [Guidebooks](https://explore.hometraqbuyers.com/resources) - [Contact Us](https://explore.hometraq.io/lets-talk) ## Brett O'Daniell Co-Founder of HomeTraq. 18+ years real estate and mortgage experience. ## Recent Posts [![](https://university.hometraq.io/hubfs/Stock%20images/Couple%20daydreaming%20of%20buying%20a%20beautiful%20house.jpeg)](https://university.hometraq.io/whats-the-first-step-in-buying-a-home) ## [The Basic Outline of Buying Your First Home \[Real Estate Insider\]](https://university.hometraq.io/whats-the-first-step-in-buying-a-home) May 13, 2020 7:27:53 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [home shopping](https://university.hometraq.io/topic/home-shopping), [real estate](https://university.hometraq.io/topic/real-estate), [house hunting](https://university.hometraq.io/topic/house-hunting), [touring homes](https://university.hometraq.io/topic/touring-homes), [home search](https://university.hometraq.io/topic/home-search), [online home buying](https://university.hometraq.io/topic/online-home-buying), [loan](https://university.hometraq.io/topic/loan) [0 Comments](https://university.hometraq.io/whats-the-first-step-in-buying-a-home#comments-listing) Buying a home can be a complicated process and it can really be difficult to decide where you start.  Have no fear! [**HomeTraq**](http://hometraq.com) is here to help whenever possible! [Read More](https://university.hometraq.io/whats-the-first-step-in-buying-a-home) [![](https://university.hometraq.io/hubfs/supra.jpg)](https://university.hometraq.io/making-your-home-easier-and-more-secure-to-show) ## [Easy & Secure Home-Showings When Selling a House \[Real Estate Insider\]](https://university.hometraq.io/making-your-home-easier-and-more-secure-to-show) May 12, 2020 8:42:46 AM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [agents](https://university.hometraq.io/topic/agents), [listing agent](https://university.hometraq.io/topic/listing-agent), [selling agent](https://university.hometraq.io/topic/selling-agent), [before you buy](https://university.hometraq.io/topic/before-you-buy) [0 Comments](https://university.hometraq.io/making-your-home-easier-and-more-secure-to-show#comments-listing) To make a home more readily available to prospective buyers, many sellers put the house on a secure SUPRA lock box. This allows the home to be included in MLS scheduling platform(s) to easily offer available times for showings, avoiding the potential hassle involved with multiple showing requests. Additionally, many home-sellers have all but eliminated “by appointment only” requests as it creates an additional scheduling barrier.    Insist that your agent uses the **SUPRA Electronic Key for access** - This is the most common form of access for all agents. You and your agent will then have documentation of every agent that shows the house with a buyer, as each entry is logged.   **Manual combination boxes:** While these are relatively easy to use and cheap, they require communication to provide the combination lock number. This becomes a barrier to an immediate response. Furthermore, accessibility cannot be controlled. You don't know who, what, or when someone has entered the home. Buyers and agents can access the home repeatedly, with or without your knowledge, and can be easily provided to others for access. This can easily pose several risks that can easily be avoided by employing the SUPRA lock box system. [HomeTraq](http://hometraq.com/) provides the superior home-shopping experience, at no cost to you. Simply find a property, take a live video tour, and make an offer. No obligations, no commitments.  [![See Homes Now](https://no-cache.hubspot.com/cta/default/5556799/aae6a020-9d35-472a-aaf0-1b945a62fd5c.png)](https://cta-redirect.hubspot.com/cta/redirect/5556799/aae6a020-9d35-472a-aaf0-1b945a62fd5c) [Read More](https://university.hometraq.io/making-your-home-easier-and-more-secure-to-show) [![](https://university.hometraq.io/hubfs/Stock%20images/Couple%20signing%20home-purchase%20contract-2.jpeg)](https://university.hometraq.io/common-home-buying-questions-answered-real-estate-insider) ## [Common Home Buying Questions Answered \[Real Estate Insider\]](https://university.hometraq.io/common-home-buying-questions-answered-real-estate-insider) May 6, 2020 7:05:01 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [real estate](https://university.hometraq.io/topic/real-estate), [home search](https://university.hometraq.io/topic/home-search), [home purchase](https://university.hometraq.io/topic/home-purchase), [before you buy](https://university.hometraq.io/topic/before-you-buy), [buying a home](https://university.hometraq.io/topic/buying-a-home), [homebuying](https://university.hometraq.io/topic/homebuying), [online home buying](https://university.hometraq.io/topic/online-home-buying), [innovation](https://university.hometraq.io/topic/innovation) [0 Comments](https://university.hometraq.io/common-home-buying-questions-answered-real-estate-insider#comments-listing)   [Read More](https://university.hometraq.io/common-home-buying-questions-answered-real-estate-insider) [![](https://university.hometraq.io/hubfs/Stock%20images/Happy%20couple%20buying%20a%20new%20house%20-%20isolated%20over%20a%20white%20background.jpeg)](https://university.hometraq.io/how-to-lower-the-costs-of-buying-a-home-4-insider-tips) ## [How to lower the costs of buying a home \[4 Insider Tips\]](https://university.hometraq.io/how-to-lower-the-costs-of-buying-a-home-4-insider-tips) May 3, 2020 4:23:16 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [Home tour](https://university.hometraq.io/topic/home-tour), [home shopping](https://university.hometraq.io/topic/home-shopping), [real estate](https://university.hometraq.io/topic/real-estate), [home search](https://university.hometraq.io/topic/home-search), [home purchase](https://university.hometraq.io/topic/home-purchase), [before you buy](https://university.hometraq.io/topic/before-you-buy), [buying a home](https://university.hometraq.io/topic/buying-a-home), [online home buying](https://university.hometraq.io/topic/online-home-buying) [0 Comments](https://university.hometraq.io/how-to-lower-the-costs-of-buying-a-home-4-insider-tips#comments-listing) Buying a new home can be a ***really*** exciting time, but it can also be a bit stressful and overwhelming. Closing costs are often a point of concern for first-time homebuyers. How much will they be? Will you have enough money to cover the costs? What do closing costs even cover? [Read More](https://university.hometraq.io/how-to-lower-the-costs-of-buying-a-home-4-insider-tips) [![](https://university.hometraq.io/hubfs/grey-concrete-buildings-2446915.jpg)](https://university.hometraq.io/what-the-federal-reserves-covid-response-means-for-home-buyers) ## [What the Federal Reserve's COVID response means for home buyers](https://university.hometraq.io/what-the-federal-reserves-covid-response-means-for-home-buyers) Apr 30, 2020 8:51:13 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [Mortgage](https://university.hometraq.io/topic/mortgage), [Home Loan](https://university.hometraq.io/topic/home-loan), [housing market](https://university.hometraq.io/topic/housing-market), [mortgage payments](https://university.hometraq.io/topic/mortgage-payments) [0 Comments](https://university.hometraq.io/what-the-federal-reserves-covid-response-means-for-home-buyers#comments-listing) Zero percent rates? Did you hear that right? You did, but they’re federal fund rates, not mortgage rates.  On March 15, the Federal Reserve lowered the target range for the federal funds rate to 0 to ¼ percent, in an attempt to combat the current toll the coronavirus outbreak is having on the economy. The Federal Reserve explained, “This action will help support economic activity, strong labor market conditions, and inflation returning to the Committee’s symmetric 2 percent objective.”  Zero percent mortgage rates, on the other hand, are indeed too good to be true—they don’t exist. Federal fund rates apply to overnight loans between U.S. financial institutions, not individual borrowers.  Mortgage rates are dependent upon bonds which are traded thousands of times per day, and mortgage lenders typically update rates daily, while the Fed meets eight times per year (plus in the event of an emergency, such as the COVID-19 crisis) to discuss potential rate changes. Despite mortgage rates not being completely slashed, as some misunderstood, they were still historically low, causing mass amounts of refinance applications to come through lenders’ doors. Those massive number of mortgages needed to be sold to investors in order for lenders to continue functioning, which in some instances overwhelmed investors, causing prices to fall and consumer rates to rise. Some lenders actually raised rates slightly as a means to slow down business.     #### A recovery plan in the works The Federal Reserve then announced it would buy unlimited amounts of treasuries and agency mortgages in order to help the credit markets. “While great uncertainty remains, it has become clear that our economy will face severe disruptions. Aggressive efforts must be taken across the public and private sectors to limit the losses to jobs and incomes and to promote a swift recovery once the disruptions abate,” the Federal Reserve explained, stating they’ll continue to purchase treasury securities and agency mortgage-backed securities.  #### Where do mortgage rates stand?  In early March, mortgage rates hit all-time lows, with the 30-year-fixed rate at 3.29 percent—the lowest average on record since Freddie Mac began tracking data in 1971—and have remained relatively low. While buyers strive to take advantage of these rates, competition will continue to increase, with inventory tightening and home prices rising. What can you do to help yourself stand out?  A pre-approval\* is a great place to start. In a matter of minutes, you can elevate yourself from the competition. Many of our lender partner's pre-approvals can be completed in 15 minutes or less.  You can also count on our lender partners to help you understand the ever-evolving market throughout this unprecedented and uncertain time.    *\*“Pre-approval” means an automated underwriting system approval based upon credit information supplied by applicant and subject to the lender’s review of loan documents. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact lenders for current rates and for more information.*   *Sources: * *[Federal Reserve](https://www.federalreserve.gov/newsevents/pressreleases/monetary20200315a.htm)* *[Mortgage News Daily](http://www.mortgagenewsdaily.com/consumer_rates/938974.aspx)* *[Mortgage News Daily](http://www.mortgagenewsdaily.com/consumer_rates/938844.aspx)* *[Housing Wire](http://housingnewsletters.com/mgraham/article/5e5e952936cb2817a8aaae61)* [Federal Reserve](https://www.federalreserve.gov/newsevents/pressreleases/monetary20200323a.htm) [Read More](https://university.hometraq.io/what-the-federal-reserves-covid-response-means-for-home-buyers) [![](https://university.hometraq.io/hubfs/Stock%20images/Keys%20and%20Golden%20Keyring%20with%20the%20Word%20Home%20over%20Black%20Wooden%20Table%20with%20Blur%20Effect.%20Toned%20Image.-1.jpeg)](https://university.hometraq.io/questions-to-ask-yourself-before-buying-a-home-first-time-home-buyers) ## [Questions to ask yourself before buying a home \[First time home-buyers\]](https://university.hometraq.io/questions-to-ask-yourself-before-buying-a-home-first-time-home-buyers) Apr 29, 2020 8:56:04 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [home shopping](https://university.hometraq.io/topic/home-shopping), [home ownership](https://university.hometraq.io/topic/home-ownership), [before you buy](https://university.hometraq.io/topic/before-you-buy), [buying a home](https://university.hometraq.io/topic/buying-a-home), [homebuying](https://university.hometraq.io/topic/homebuying), [online home buying](https://university.hometraq.io/topic/online-home-buying) [0 Comments](https://university.hometraq.io/questions-to-ask-yourself-before-buying-a-home-first-time-home-buyers#comments-listing)   [Read More](https://university.hometraq.io/questions-to-ask-yourself-before-buying-a-home-first-time-home-buyers) [![](https://university.hometraq.io/hubfs/Stock%20images/Show%20Me%20The%20Money%20card%20with%20sky%20background.jpeg)](https://university.hometraq.io/tax-benefits-of-buying-a-home-real-estate-insider) ## [Tax Benefits of Buying a Home \[Real Estate Insider\]](https://university.hometraq.io/tax-benefits-of-buying-a-home-real-estate-insider) Apr 28, 2020 2:29:10 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [home purchase](https://university.hometraq.io/topic/home-purchase), [property taxes](https://university.hometraq.io/topic/property-taxes), [home ownership](https://university.hometraq.io/topic/home-ownership), [credit profile](https://university.hometraq.io/topic/credit-profile), [mortgage payments](https://university.hometraq.io/topic/mortgage-payments), [before you buy](https://university.hometraq.io/topic/before-you-buy), [buying a home](https://university.hometraq.io/topic/buying-a-home) [0 Comments](https://university.hometraq.io/tax-benefits-of-buying-a-home-real-estate-insider#comments-listing)   [Read More](https://university.hometraq.io/tax-benefits-of-buying-a-home-real-estate-insider) [![](https://university.hometraq.io/hubfs/Stock%20images/Happy%20family%20holding%20poster%20of%20a%20house%20for%20sale-4.jpeg)](https://university.hometraq.io/buying-a-home-foreclosure-real-estate-insider) ## [Buying a Foreclosed Home \[Real Estate Tips\]](https://university.hometraq.io/buying-a-home-foreclosure-real-estate-insider) Apr 24, 2020 11:40:27 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [foreclosure](https://university.hometraq.io/topic/foreclosure), [before you buy](https://university.hometraq.io/topic/before-you-buy), [buying a home](https://university.hometraq.io/topic/buying-a-home) [0 Comments](https://university.hometraq.io/buying-a-home-foreclosure-real-estate-insider#comments-listing)   [Read More](https://university.hometraq.io/buying-a-home-foreclosure-real-estate-insider) [![](https://university.hometraq.io/hubfs/architecture-clouds-daylight-driveway-259588.jpg)](https://university.hometraq.io/home-closing-and-titling-process-pro-resources-real-estate-insider) ## [Home Closing and Titling Process Pro Resources \[Real Estate Insider\]](https://university.hometraq.io/home-closing-and-titling-process-pro-resources-real-estate-insider) Apr 18, 2020 9:55:26 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) [0 Comments](https://university.hometraq.io/home-closing-and-titling-process-pro-resources-real-estate-insider#comments-listing) **Closing/Settlement Process** **alta.org:** The American Land Title Association is a national association for title insurance companies. The Consumer section of their website provides a link to “HomeClosing 101,” a guide to settlement and costs, as well as a detailed description of the closing process from the perspective of the title insurer and title searcher. **Mortgage Insurance Cancellation** **usmi.org:** U.S. Mortgage Insurers website provides information on how and when private mortgage insurance may be canceled. **What We Do:** [HomeTraq](http://hometraq.com/) provides you with free access to tour homes from the comfort of yours with no obligation and no commitment.  Choose from all of the For Sale homes available in the local market.  Once you find a home to tour, choose In Person Private Tour or Live Video Tour and choose the date & time. Then sit back and let [HomeTraq](http://hometraq.com/) organize the rest for you! [![Live Video Tour](https://no-cache.hubspot.com/cta/default/5556799/3e950157-8117-4bdd-b6f3-57ee2ed52fe5.png)](https://cta-redirect.hubspot.com/cta/redirect/5556799/3e950157-8117-4bdd-b6f3-57ee2ed52fe5) [Read More](https://university.hometraq.io/home-closing-and-titling-process-pro-resources-real-estate-insider) [![](https://university.hometraq.io/hubfs/Stock%20images/Happy%20family%20holding%20poster%20of%20a%20house%20for%20sale-1.jpeg)](https://university.hometraq.io/tips-and-best-practices-for-when-listing-your-home-with-a-listing-agent) ## [Tips and best practices for when listing your home with a listing agent](https://university.hometraq.io/tips-and-best-practices-for-when-listing-your-home-with-a-listing-agent) Apr 17, 2020 8:14:00 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [listing agent](https://university.hometraq.io/topic/listing-agent), [selling agent](https://university.hometraq.io/topic/selling-agent), [selling home](https://university.hometraq.io/topic/selling-home) [0 Comments](https://university.hometraq.io/tips-and-best-practices-for-when-listing-your-home-with-a-listing-agent#comments-listing) The day you decide to list your home for sale, is the day it is no longer your home. Everything now needs to be focused on making it the next buyer's home.   Some of these simple tips will provide the ease of access that the Modern Home buyer expects. They all want instant gratification and will not wait hours or days to schedule a home showing.    **Scheduling platform:** utilize the automated scheduling platform provided by your agent, and for ease of scheduling for the buyer's agents. Have your agent set you up on the automated scheduling, making sure you receive notifications of all appointments via text or email. If you chose to approve each, be sure to respond immediately to any requests and to make available as many times as possible on the calendar for immediate scheduling by a buyer's agent. For example, if you are at work most of the day, open up the schedule for all day availability. Make the home as show ready as possible at all times.    Consider it to be classified as a "Go and Show" on the scheduling platform. This way, a buyer's agent can access it almost immediately, without having to wait for a confirmation. Most buyers conduct their home tours in the late afternoon and early evening or on the weekends. Take this into consideration when setting up the schedule. Make it as available as possible for buyers to come have a tour. [Read More](https://university.hometraq.io/tips-and-best-practices-for-when-listing-your-home-with-a-listing-agent) [Prev](https://university.hometraq.io/author/brett-odaniell/page/2) [All posts](https://university.hometraq.io/all) [Next](https://university.hometraq.io/author/brett-odaniell/page/4) ### Get Email Updates - Recent - Popular - Categories ### Lists by Topic - [buying a home (36)](https://university.hometraq.io/tag/buying-a-home) - [homebuyers (27)](https://university.hometraq.io/tag/homebuyers) - [homebuying (27)](https://university.hometraq.io/tag/homebuying) - [real estate (27)](https://university.hometraq.io/tag/real-estate) - [housing market (24)](https://university.hometraq.io/tag/housing-market) - [Mortgage (23)](https://university.hometraq.io/tag/mortgage) - [house hunting (18)](https://university.hometraq.io/tag/house-hunting) - [before you buy (16)](https://university.hometraq.io/tag/before-you-buy) - [home ownership (16)](https://university.hometraq.io/tag/home-ownership) - 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[See A Home Now](https://explore.hometraq.com/see-home-now-a)with HomeTraq. (314) 380-0155 [support@hometraq.com](mailto:support@hometraq.com) 231 S. Bemiston, Suite 800 St. Louis, Missouri 63105 ![](https://static.move.com/cb/v1/move/navfooter/EqualHousing_new.gif) Equal Housing Opportunity © 2025 HomeTraq. All rights reserved.