ADAPTING TO CURRENT INTEREST RATES

ADAPTING TO CURRENT INTEREST RATES

Today’s mortgage rates can feel challenging, but there are smart strategies buyers can use to navigate the market:

  • Shop around — rates vary by lender, and competition is strong with fewer mortgages issued.
  • Improve your credit score to secure better rates; even good credit can often be boosted.
  • Consider lowering your budget by exploring homes priced below your maximum.
  • Focus on total monthly payments, including HOA fees, taxes, insurance, and maintenance — sometimes a higher-priced home costs less to own monthly.
  • Look for negotiable sellers or properties with recent price reductions.
  • Increase your down payment if possible; cash returns can sometimes outweigh borrowing costs.
  • Don’t try to perfectly time the market — refinancing is an option when rates drop, though prices may rise.
  • Adjust your living budget to allocate more toward mortgage payments if possible.
  • Place offers — some long-term owners may be open to negotiations or creative financing.
  • Explore seller financing opportunities, which may offer tax advantages.
  • Consider fixer-uppers to build equity and value over time.
  • Remember, paying rent builds no equity and doesn’t offer tax benefits; rent inflation typically tracks with overall inflation.

Navigating rates today takes creativity and knowledge — reach out to Amie Pisano if you want to strategize your next move.

📧 Email: [email protected]
📞 Phone: 914-715-2632


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Whether you're looking for a new home or thinking about selling your current one, reach out today. I am dedicated to guiding you every step of the way to help you realize your real estate goals. Let me put my expertise to work for you.

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