Inventory is up, homes are sitting longer, and sellers are making concessions. Dustin McIntosh breaks down three tools first-time buyers can stack together right now to get deals that were simply not possible two or three years ago.
One of the most common questions borrowers ask is: What can I do to get a better mortgage deal? The truth is, even small changes to your loan details can have a big impact — especially in today’s higher-rate environment. Increasing your down payment, improving your credit score, or choosing a different loan term can all change your interest rate and monthly payment in ways that might surprise you.
Many buyers and homeowners are wondering: Will mortgage rates go down soon? With talk of a potential Federal Reserve rate cut, hopes are high for lower payments and better affordability. As of September 2025, 30-year fixed mortgage rates have already dipped into the mid-6% range, but predicting what comes next isn’t straightforward.
