Local Outings, Easy Comfort Food, and What It All Has to Do With Your Mortgage
Fall is the perfect time to slow down with an apple orchard visit, a scenic mountain drive, or a cozy slow-cooker dinner made with seasonal squash and apples. But while the season cools down, mortgage rates just heated up after a recent Treasury buyback announcement caught the market off guard. Here's what's happening with rates and how it could affect your home plans this fall.
How to Negotiate a 4% Mortgage in a 6% Market
Is the "Seller's Market" finally over? As of March 2026, the data says yes. While interest rates are hovering around 6.4% due to global energy shifts, a new hero has emerged for homebuyers: The Seller Concession. Nearly 62% of buyers this week are successfully negotiating for sellers to pay their closing costs or—even better—fund a 2-1 Rate Buydown. This strategy can drop your effective interest rate to 4.4% for your first year. If you’ve been waiting on the sidelines, it’s time to stop looking at the "sticker price" and start looking at your leverage.
Why Now Might Be the Time to "Lock In" Your Mortgage Rate
Mortgage bonds are hitting a wall after a 'hotter than expected' PPI report. With Treasury yields bouncing higher and the Fed meeting on the horizon, the window for lower rates may be closing. Here is the technical breakdown of why I am recommending a 'Locking Bias' for my clients right now.