TheInsider.Insights from The ATM TeamMortgage NewsMeet Our Transaction CoordinatorVolume Speaks VolumesInsights for the Market AheadCyndi Fulco is a Key Reason Our Transactions Run So SmoothlyAdapting Strategies to Meet Today’s MarketF A L L 2 0 2 5 / W I N T E R 2 0 2 6 I S S U E
TABITHA MURPHYRealtor | Team Lead - Sellers ADAM MURPHY Realtor | Team Lead - Buyers NICK KUHR Realtor | Team Agent DWAN JOHNSON Realtor | Buyer’s Assistant CYNDI FULCO Realtor | Transaction Coordinator 0 1 for our annual Summer Family Picnic Saturday - August 2, 2025 CRYSTAL RODRIGUEZ Realtor | Team Coordinator ANGELA SPINILLO Business Development & Marketing MORTGAGE NEWS CHICAGOLAND MARKET UPDATE OUR TEAM TAKES TOP HONORS WINNER OF BEST AGENT WEBSITE IN CHICAGOLAND VOLUME SPEAKS VOLUMES ADAPTING STRATEGIES TO MEET TODAY’S MARKET THE ANNUAL PIE PARTY Thursday, November 20 TEAM SPOTLIGHT MURPHYS ON THE GO THE SUMMER FAMILY PICNIC THANK YOU FOR JOINING US IN AUGUST! 0203050406 CONTENTS THETEAM T H E A T M T E A M F A L L / W I N T E R I S S U E 2 0 2 5 - 2 0 2 6 T H E I N S I D E R IS HERE! Join Us!
s a team that has closed more than1,000 transactions, we’ve learned thatstrong negotiation isn’t about pressure.Adapting StrategiestoMeet Today’s MarketAIt’s about confidence, strategy and understandingwhat truly matters to our clients. In today’s marketof low inventory, rising interest rates and frequentbidding wars, adaptability is everything.Every deal is different, and our role is to make sureclients feel secure in their decisions while we tailorour approach to the moment.For sellers, we leverage tools like the Private ListingNetwork to gauge interest early, position listingsstrategically and maximize their net proceeds,including new opportunities created by the NARsettlement to negotiate buyer-agent compensation.Clear communication, strong data and thoughtfultiming consistently create leverage.VOLUMESPEAKSVOLUMESFor buyers, winning often depends on terms, notjust price. From escalation riders to appraisal gapcoverage and tailored closing timelines, westructure offers that meet sellers’ needs whilekeeping buyers protected. And in multiple-offersituations, building rapport with the listing agentcan make all the difference.Negotiation is a skill built through experience, andwe continuously study the market, refine ourstrategies and learn from every transaction. In afast-changing environment, our volume trulyspeaks volumes—and we’re committed tohelping clients come out ahead with confidence.T H E A T M T E A MT H E I N S I D E RFeatured in Chicago Agent magazine, August 2025 issue:Let’s Make a Deal: Powerful tactics to ace negotiationsF A L L / W I N T E R I S S U E 2 0 2 5 - 2 0 2 60 2
T H E I N S I D E R 0 3T H E A T M T E A MView all active listings and the ’Private Listing Network’for properties you won’t find anywhere else!We’re proud to share that The ATM Team has been awarded Best AgentWebsite in the 20th annual Chicago Agents’ Choice Awards. With tens ofthousands of votes cast by industry professionals across Chicagoland,this recognition reflects our commitment to create a seamless,informative, and empowering experience for every client—and this awardreinforces that we’re delivering on that promise.We appreciate yourtrust—and yourreferrals!F A L L / W I N T E R I S S U E 2 0 2 5 - 2 0 2 6The ATM Team Takes Top HonorsWE’RE BEYOND GRATEFUL FOR THIS RECOGNITION!WE INVITE YOU TO VISIT OUR NEW WEBSITE
CYNDIFULCObrings a deep understanding of contracts, disclosures, and thefull life cycle of a deal. Since transitioning into transactioncoordination in 2020, Cyndi has managed 500+ closings,consistently meeting tight deadlines and navigating even the mostsensitive timelines with ease.By overseeing all paperwork, logistics, and communication, Cyndicreates a seamless, stress-free experience for our clients andagents alike. Her precision, professionalism, and calmingpresence make her an invaluable part of our team—and a keyreason our transactions run so smoothly.WT H E I N S I D E R 0 4ith 30 years of experience in residential real estate,Cyndi Fulco is the steady hand ensuring everyATM Team transaction stays on track. Licensed inIllinois since 1995 and Florida since 2022, sheT H E A T M T E A MA summer bucket list win!The Murphy Family took in aCubs game in August atWrigley Field.Out and About! Clockwise from top; Cubs game at WrigleyField; Tabitha posing in front of the Louvre Museum in Paris,A&T at Claude Monet's House and Gardens in Giverny, France,at a market in Nice in the south of France; and the MurphyGirls in Forest Park for Halloween.MURPHYS ON THE GOTEAM SPOTLIGHTThe Murphy Girls all dressedup for trick-or-treating in ForestPark—Princess Buttercup fromThe Princess Bride, Glinda theGood Witch from Wicked, andDorothy from The Wizard of Oz!CYNDI FULCOTransaction Coordinator|RealtorF A L L / W I N T E R I S S U E 2 0 2 5 - 2 0 2 6Adam and Tabitha take on France to celebrate theirupcoming 20th wedding anniversary—a trip of a lifetime!
PRICES INCREASE6%Closed Sales Q3 2024 vs. Q3 2025MORTGAGE NEWSQ3 2025 MonthlyInterest Rates**Reflects monthly fixed rates for30-yr mortgages spanning Q3 2025.JUL AUG SEP6.5625%%%6.5006.25029DAYS ON MARKETABSORPTION RATESMARKETMODERATING3%Closed Sales VolumeQ3 2024 vs. Q3 2025trade talks have produced mostly verbal agreements rather than formal deals,offering little relief to equity or bond markets and keeping volatility elevated.he past year has brought plenty of economicwhiplash. After the turbulence sparked bylast spring’s tariff announcements, marketsspent late 2025 recalibrating. Inflation, which hadbeen moving toward the Fed’s 2% goal, has sincefirmed back up to roughly 3% year-over-year. Jobgrowth has cooled as well, hinting at a weakeninglabor market but not a recession. Meanwhile, globalCHICAGOLAND MARKET UPDATEThe Absorption Rate is a metric that measures the rate at which homes sell in a specific market over a given time period.(Ex. If 1000 homes are listed and 100 homes are sold in a month, the absorption rate is 10%.) Absorption Rates are a goodindicator in quantifying whether it’s a buyer’s or seller’s market.*ALL DATA POINTS ARE MRED MLS AND REFLECT: Traditional Sale, $300K+ Price Sold, Detached Single-Family; ALL MLS closed transaction sides.Data is deemed reliable but not guaranteed. InfoSparks © 2025 ShowingTime © 2025*MRED MLS BROKER METRICS FOR CHICAGOLAND: Q3 2025, All Prop Types; Q3 2024 vs. Q3 2025,ALL MLS, Median Price Sold. All Prop Types; Q3 2024 vs. Q3 2025. All Prop Types, ALL MLS.112323Tri-County Area* - June 2025Cook 2.3%DuPage 1.4%Lake 1.7%T H E I N S I D E R 0 5BEN DEBOERPresident |Reside Home LoansContactBen“The outlook remainscautiously optimistic.If the labor marketcontinues to softenand the Fed pulls backon selling bonds—including mortgagebacked securities—rates are expected toimprove graduallythrough 2026.”T H E A T M T E A MTTri-County Area* - September 2025Cook 2.3%DuPage 1.3%Lake 1.7%TRENDING:Seller’s Market ContinuesF A L L / W I N T E R I S S U E 2 0 2 5 - 2 0 2 6MarketUp3%So what does this mean for mortgage rates? Despite mixed economicsignals, rates have been trending gently downward since late fall, easing fromthe mid-7% range to the mid-6% range this March. Fluctuations remaincommon, driven by inflation data, Treasury yield shifts, and ongoing tradeuncertainty. Even so, the outlook remains cautiously optimistic. If the labormarket continues to soften and the Fed pulls back on selling bonds—including mortgage-backed securities—rates are expected to improvegradually through 2026.
T H E A T M T E A MT H E I N S I D E R 0 6Another client appreciationevent in the books!Thank you for making the2025 Summer Family PicnicSo. Much. Fun!F A L L / W I N T E R I S S U E 2 0 2 5 - 2 0 2 6For more photos
DC & T PaintingDaniel Cifrea773.501.9243dctpainting.comServing the Chicagoland areaFor more preferred service providersHOMEBUYERS SELLERSKnow someone looking to buy or sell? We referrals!Upcoming EventsReach out to us -we may have someextra pies!EMAIL CRYSTAL TODAY!THE PIE PARTY ISTHURSDAY, 11/20Featured Service ProviderClient Appreciation EventA Night at FitzGerald’sGet ready for an incredible night of dinner, drinks,and live music at the iconic venue in Berwyn, Illinois!Friday, April 17, 2026This annual client appreciation event, where we rollout the red carpet to celebrate YOU, our amazingclients, will be next April—so save the date!FitzGerald’s Nightclub6615 Roosevelt Road • Berwyn, [email protected] | 708.367.6076101 N Oak Park Avenue, Oak Park, IL 60301To watch last year’s reel!