Housing Market Trends

What Does This Mean for You?

Buyers

You can still find a home you love within your budget—and winter might be a good time. With fewer buyers house hunting during the holiday season, there’s less competition, which could lead to better deals. To help make your offer stand out and negotiate contingencies, get a real estate expert on your side.

Sellers

Winter’s coming, but it can still be a great time to sell. With fewer sellers in the market, buyers have fewer homes to choose from, which means you could sell your house faster. Partner with a real estate pro to help you set a competitive price, prepare your home, and list it to attract the right buyer.

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How Do Fed Interest Rate Cuts Impact Mortgage Rates?

The Federal Reserve (also known as the Fed) is the U.S. central bank that creates money and sets interest rates. Now, the Fed doesn’t tell commercial banks what interest rates to charge on loans, but it does influence the banks’ rates by setting a target for the federal funds rate.

Even though the Fed doesn’t actually set mortgage interest rates, its decisions can still affect your mortgage. In our article about the Federal Reserve, get the full breakdown—and the answer to your big question: Should I buy a house now or wait?