Buying before 2026? These are 3 things to pay attention to

Every 0.25% change in rates ≈ $17/month per $100K financed.

Scale it up or down, it works at any price point. 

Which is why we’ll be watching the Fed’s September 17 announcement so closely.

If you want to buy before the end of the year, here’s what I’d pay attention to:

Rate spread: The gap between mortgage rates and the 10-year Treasury. If you see the spread shrinking week-over-week, ask your lender about timing a lock.

Inventory: Active listings are up 20.3% YoY. (Realtor.com) Widen your search by one neighborhood/price band - you’ll spot deals others miss.

Price Reductions: Roughly 1 in 5 listings has a price cut. (Realtor.com) Watch homes that have been on the market for 30+ days. Might be worth putting in a lower-priced offer or asking for concessions.

As always, I hope this is helpful.

P.S. You may not be in a position to jump on a lower rate right now. But if a move is on your mind in the next 6-12 months, reply to this email. Would love to talk through your situation to outline your options.

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