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The real estate market just experienced a significant shift — and whether you're planning to buy, sell, or invest, now is the time to pay attention.
With mortgage rates dipping to their lowest point in nearly a year, both buyers and sellers are seeing new opportunities emerge. In this post, we’ll break down what’s behind the change, what it means for you, and how to move forward strategically.
In the past week, two major shifts signaled a changing landscape:
The Federal Reserve made a rate move that was already priced into mortgage rates — causing rates to fall.
Mortgage applications surged, showing that buyers are re-entering the market aggressively.
On top of that, the latest jobs report showed signs of a cooling labor market, with unemployment reaching its highest level since 2021. This has led many experts to believe that another Fed rate cut could come as soon as September 17th.
The result? Lenders are acting now, and interest rates are dropping accordingly — giving buyers more leverage and giving sellers more eyeballs on their listings.
This rate drop translates to more affordability — buyers have gained an average of $22,000 in purchasing power thanks to lower interest rates. That means:
Lower monthly mortgage payments
More flexibility in your home search
Stronger negotiation power with sellers
However, there’s a catch: As rates fall, more buyers enter the market. That spike in competition can make it harder to snag the right home unless you’re already prepared. Acting now means you get ahead of the rush.
This is a sweet spot for sellers, too. Here's why:
Buyer demand is rising, and listings that stand out are attracting renewed attention.
Inventory remains low, so your home has a better chance to shine in today’s market.
Serious buyers — not just browsers — are stepping up, thanks to improved affordability.
If you've been waiting for the “right time” to list, this could be it.
These moments don’t last. Rates fluctuate based on economic conditions, investor sentiment, and Fed policy — and the market is dynamic.
The smartest move right now? Get strategic. If you’re buying, get pre-approved while rates are still favorable. If you’re selling, prep your home to stand out in a market that’s gaining energy.
Whether you're buying your first home, upsizing, downsizing, or selling to capitalize on demand, this market shift creates new possibilities — and I’d love to help you take advantage of them.
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