With mortgage rates still holding above 7%—the 30-year fixed currently at 7.12% due to ongoing inflation and Federal Reserve policy—navigating the home search takes strategy and insight. Interestingly, fall often brings a shift: home prices are about 5% lower than in summer, opening the door to more negotiation opportunities as the market cools and inventory rises. Having spent years steering clients through fast-moving, high-stakes environments in global finance, I’ve learned that patience and careful negotiation can make a real difference, even when rates seem daunting. Thoughtful buyers willing to look beyond the headlines may find that this season offers unexpected advantages.
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