If you’re planning to buy, refinance, or sell a home in 2026, one key number could impact your financing options — the new conforming loan limit . Let’s break down what it means, how it changed, and why it’s especially important for Bay Area homeowners and buyers  this year. 💡 What Is a Conforming Loan Limit? The conforming loan limit (CLL)  determines the maximum amount you can borrow with a conventional mortgage  that’s eligible for purchase by Fannie Mae  or Freddie Mac  

As we move into the final stretch of 2025, the Bay Area real estate market continues to show balance — cooler than last year’s frenzy, yet still active and competitive. While 2024 was an exceptionally heated year, this fall’s trends reveal a more sustainable pace. Buyer activity, pricing, and inventory have all settled into a steady rhythm — but the luxury segment across the East Bay, South Bay, and Peninsula has noticeably heated up. In fact, luxury home sales have reached t

After years of high mortgage rates and hesitant buyers, the housing market is finally showing signs of life. Sellers are returning. Buyers are re-engaging. And for the first time in a long while, there’s real movement again. It’s not a sudden boom — but it is  a steady shift. One that’s laying the foundation for a stronger, more balanced housing market in 2026. So, what’s behind the comeback? Let’s look at three key trends shaping the housing market right now. 1. Mortgage Rat

There was a time when buying property in the Bay Area felt like a sure bet — “close your eyes and you’ll still make money.” But that era has shifted. Today, we’re seeing a sharp divide in the Bay Area real estate market : 🏡 Luxury homes over $5M  in Los Altos and Palo Alto are still drawing multiple offers, while entry-level townhomes under $2M  are quietly turning from “for sale” to “for rent.” This growing gap signals that the Bay Area housing market has entered a new, mor

After a hot few years, the 2025 housing market  is showing signs of cooling. Slower price growth, rising inventory in key regions, and slightly lower mortgage rates are giving buyers some breathing room. But experts say major price drops may still be out of reach—at least for now. Fed Rate Cuts and Mortgage Relief In October 2025, the Federal Reserve  made its second rate cut of the year , lowering the federal funds rate to 3.75%–4.00% . While mortgage rates have dipped to th

The U.S. housing market is still feeling the chill, with the number of homes changing hands dropping to the lowest level in three decades , according to a new Redfin report. Only 28 out of every 1,000 homes  were sold in the first nine months of the year — a clear sign that both buyers and sellers are holding back . Why It’s Happening Rate lock effect:  Many homeowners are keeping their low-rate mortgages (below 5%) and don’t want to sell and buy again at today’s higher rates

The Federal Reserve’s recent decision to cut interest rates by a quarter point  is offering a glimmer of relief for the housing market. Mortgage rates have dropped again — averaging 6.17% for the week ending Oct. 30 , according to Freddie Mac. That’s the fourth straight week  of declines. While the Fed doesn’t directly control mortgage rates, its actions often influence them — especially adjustable-rate mortgages (ARMs) , which tend to react more quickly to rate changes. What

The housing market is finally cooling after years of wild swings. According to the latest S&P CoreLogic Case-Shiller Index , home prices across the U.S. grew just 1.5% year-over-year in August  — the slowest pace since 2023. And in 9 of the 20 biggest metro areas, prices are actually down. Where Prices Are Falling Most of the soft spots are in the South and West , including several big California metros — San Francisco, San Diego, Los Angeles, and even Seattle . These markets

This fall, the Bay Area housing market paints a fascinating picture of divergence across regions and price points  — driven largely by how each area is influenced by the ongoing AI boom  and shifting buyer priorities. 🔹 Santa Clara County: The Tech Core Leads the Charge The South Bay  continues to shine as the most active core market this season. Median single-family price:  $2.0M ( +3.6% YoY ) Sales:  Up 13.8% Median days on market:  Just 10 days Cities such as Palo Alto (

If you’ve been thinking about buying a home this year, good news — the best week to buy in 2025 is officially here. According to Realtor.com®, the week starting October 12  marks the sweet spot of the year for homebuyers — a time when listings are up, prices are down, and competition eases  just enough to make a real difference. 💡 Why This Week Matters Here’s what makes this window so special: More homes to choose from:   Realtor.com projects nearly 33% more active listings

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