A clear, no-hype look at mortgage rates, prices, and inventory — plus what it means for your next move.
Indicative national averages. I'll pull hyper-local numbers for your specific zip code on request.
Rates have softened from their 2023 peak and lenders are competing harder. The smart play: lock a rate you can afford today and refinance if rates drop further. 'Marry the house, date the rate.'
Active listings are up roughly 18% year-over-year in most metros. That means more negotiating room: price reductions, closing-cost credits, and rate buy-downs from sellers are back on the table.
Overpriced homes are sitting. Aggressive, accurate pricing in week one drives multiple offers and often sells above ask. Stale listings invite lowballs. We use live comps to price strategically.
Rent growth has slowed but most metros still favor buying if you'll stay 5+ years. I run a personalized break-even analysis so you know your real number — not a national average.