Why 2026 Already Feels Different for Homebuyers It’s only the beginning of 2026, but the housing market is already showing signs of change — and for once, it’s change in favor of buyers. After several years of high prices, limited listings, and unpredictable mortgage rates, this year is starting from a completely different place. Here’s what’s happening right now: 1. More Homes Are Hitting the Market Inventory is up 13%  compared to last year, according to national housing re

Buying in January Could Save You $23,000 — Here’s Why Bay Area Buyers Are Taking Advantage If you’ve been waiting for the right time to buy a home in the Bay Area, this might be your moment. Mortgage rates hovering near 6% are motivating buyers to jump back in — but January could offer an even bigger advantage. According to a LendingTree study, buyers who purchase a 1,500-square-foot home in January could save an average of $23,000  compared to those who buy in May. Why Jan

2025 was a whirlwind year for real estate — and Bay Area homeowners, buyers, and sellers felt it firsthand. From Federal Reserve rate moves to Zillow’s listing shake-ups, the market was anything but predictable. Here’s a closer look at the stories that captured our readers’ attention — and what they mean for you as we head into 2026. 1. Navigating an Uncertain Economy For Bay Area homeowners and buyers, the Federal Reserve’s actions often set the tone for the housing market.

Mortgage rates have held surprisingly steady following the Federal Reserve’s December meeting — even after a much-anticipated 25 basis point rate cut . If you were hoping this would mean instantly lower home loan rates, the reality is a bit more nuanced. Why Mortgage Rates Didn’t Drop (Yet) While the Fed’s rate decisions influence the broader economy, mortgage rates are more closely tied to the 10-year Treasury yield , not the Fed’s short-term rate directly. After the Fed mee

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  

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

Are You Stuck in the 'Wait and See' Trap? Many prospective buyers are currently holding their breath, waiting for mortgage rates  to dip just below 6%. The logic is simple: who wouldn't want a better rate? While seeking optimal home affordability  is smart, this "wait and see" approach is often based on a misunderstanding of the current housing market  dynamics. That small rate drop you’re hoping for might not save you as much as you think—and waiting for it could cost you fa

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

Mortgage rates have been the monster under the bed for a while. Every time they tick up, people flinch and say, “Maybe I’ll wait.” But here’s the twist. Waiting for that perfect 5-point-something rate could end up haunting your wallet later. The Magic Number According to the National Association of Realtors (NAR): “. . . a 30-year fixed rate mortgage of 6% would make the median-priced home affordable for about 5.5 million more households—including 1.6 million renters. If r

If you paused your plans to move because of high rates or prices, it may finally be time to take a second look at your numbers. Affordability is improving in 39 of the top 50 markets, according to First American. And that’s the 5th straight month where buying a home has started to get a little bit easier. Let’s break this down into real dollars, so you can see the difference this could make for you (and your move). Monthly Payments Are Coming Down One of the clearest signs

After a couple of years where the housing market felt stuck in neutral, 2026 may be the year things shift back into gear. Expert forecasts show more people are expected to move – and that could open the door for you to do the same. More Homes Will Sell With all of the affordability challenges at play over the past few years, many would-be movers pressed pause. But that pause button isn’t going to last forever. There are always people who need to move. And experts think more

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Over the past few years, affordability has been the biggest challenge for homebuyers. Between rapidly rising home prices and higher...