In today’s buyers market, sellers are offering powerful incentives and many buyers don’t realize how much they can benefit. From closing cost credits to temporary rate buydowns and repair allowances, these perks can significantly reduce upfront costs and monthly payments. For example, on a $500,000 loan at 6.5 percent, a 2 1 buydown can lower the first-year payment by more than $600 per month. These incentives exist because competition is lower and sellers are motivated. As demand increases, these opportunities can disappear. If you’re considering purchasing, this is an ideal window to explore your options and maximize affordability. I’m happy to walk you through which incentives make the most sense for your financial goals and help you move forward with confidence.

Buyers finally have leverage again. From closing cost credits to 2-1 buydowns, sellers are offering real savings that can cut your payment by hundreds. If you’re thinking about buying, this is the window to negotiate strong. Comment BUYERS MARKET and I’ll break down exactly what incentives you can use.

The Fed dropped the federal funds rate by 0.25 percent which is their first move toward easing after a long stretch of high rates. But mortgage rates actually ticked higher and here is the part most people miss. Investors expected a bigger cut. When the Fed hinted that future cuts are not guaranteed the market adjusted and pushed bond yields higher. Mortgage rates follow bonds not the Fed so the 10 year Treasury jumped and took mortgage rates with it. Inflation is still sticky and job growth is cooling which makes long term investors demand higher returns. Translation mortgage rates may stay elevated even though short term rates softened a bit. If you are house hunting or planning to refinance timing matters more than ever. Locking in when the numbers make sense is still key. If you want a breakdown for your scenario or want to see if now is a good time to lock just message me.

If you’re a first-time homebuyer in California, the CalHFA MyHome Program could help cover your down payment or closing costs — up to 3% (Conventional) or 3.5% (FHA) ✅ No monthly payments ✅ Deferred until you sell or refinance ✅ Must be your primary home ✅ Available only through CalHFA-approved lenders This program was designed to help first-time buyers finally break free from renting. If you want to find out how much assistance you qualify for or see if you meet your county’s income limits — drop a “MYHOME” below or message me directly!

Keep your first home, buy your next one — and let rental income work for you! ✅ Use 75% of rent to offset your mortgage ✅ Qualify for a new loan with as little as 5% down ✅ Build wealth while upgrading your lifestyle A smart move to build wealth and grow your real estate portfolio.