Mortgage rates just hit their lowest levels of the year, and that opens a strategic window for both buyers and sellers. If you're involved in real estate in any capacity—whether you're purchasing, listing, or investing—here’s what you need to know to stay ahead of the market.

Rates Are Trending Lower—Here's Why That Matters

The average 30-year fixed mortgage rate is now at 6.64%, slightly down from the week before. Even small rate changes can make a big impact—lower monthly payments, better loan approval chances, and increased affordability.

Buyers can qualify for more and lock in a better deal.
Sellers may benefit from a surge of motivated buyers re-entering the market.
Investors may see refinancing opportunities or be able to secure more favorable terms for new acquisitions.

Fed Policy Is Creating Opportunity

The Federal Reserve has paused its Quantitative Tightening (QT) policy. In plain terms, this move helps prevent mortgage rates from rising further. By holding onto its bond portfolio instead of selling it, the Fed is keeping borrowing conditions more favorable.

That’s great news for real estate transactions—it keeps financing more accessible and attractive for all parties involved.

What to Watch Next

Upcoming inflation reports (CPI and PPI) will be key in determining where mortgage rates go next. If inflation stays controlled, we could see rates stay low or even dip further, improving conditions for spring and summer real estate activity.

My Takeaway

This is a moment of opportunity. If you're considering making a move—whether buying your next home, preparing to sell, or evaluating an investment property—lower rates can dramatically shift your strategy and your bottom line.

Let’s talk about how to position yourself for success in this market.

Contact AJ for More Information
AJ Chamberlin
📞 +1 (303) 588-8999
📧 aj@attitudehomes.com
🌐 www.attitudehomes.com

Credit:
Mark Sööt | Mortgage Loan Officer
Elevations Credit Union
1301 Walnut St., Suite 100
P.O. Box 9004, Boulder, CO 80301
📞 t: 303.247.8990 | c: 303.817.0089
LMB:717246 / NMLS: 403853