What should you pay attention to if you’re hoping to buy a home before the end of the year?

A few market signals can help you time your move: small rate shifts, the rate–Treasury spread, rising inventory, and price reductions. Read these right, and you can improve your odds of landing the right home on the right terms.

The $17 Rule: Why Small Rate Moves Matter

Every 0.25% change in mortgage rates is roughly $17 per month per $100,000 financed. Scale that up or down for your price point—this simple rule of thumb works at any budget.

• Example: On a $400,000 loan, a 0.25% move is about $68/month.

• Over 5 years, that’s more than $4,000 in payments.

That’s why the Federal Reserve’s September 17 update is worth watching. Markets often react—sometimes before, sometimes after—so having your paperwork ready means you can move quickly if a favorable window opens.

Rate Spread: The Quiet Signal Most Buyers Miss

Keep an eye on the spread between 30-year mortgage rates and the 10-year U.S. Treasury. When that gap shrinks week over week, lenders may have more room to price competitively—even if the Fed doesn’t change its rate.

Action step: If you notice the spread narrowing, ask your lender about timing a lock or a float-down option.

Inventory: More Homes Means More Leverage

Active listings are up 20.3% year over year (source: Realtor.com). More choice usually equals more negotiating power.

Action steps:

• Widen your search by one neighborhood or price band.

• Watch “stale” listings (30+ days on market); sellers may be more open to repairs, credits, or price conversations.

Price Reductions: Hunt for “Signals,” Not Just Discounts

Right now, roughly 1 in 5 listings has a price cut (source: Realtor.com). That’s your signal to dig in:

• Look for homes with recent reductions and 30+ days on market.

• Pair that with nearby comps to justify a sharper offer or ask for concessions (rate buydown, closing costs, repairs).

Your 2-Week Readiness Plan

If a move is on your mind this fall, use this simple prep path so you can act fast when the numbers tilt your way:

1. Get financially organized: Update income docs, bank statements, and your budget.

2. Talk to a lender (no obligation): Ask what a 0.25% rate move does to your payment at your target price.

3. Define your must-haves vs. nice-to-haves: The clearer your criteria, the faster you can move.

4. Set alerts for price cuts: Target homes hitting the 30–45 day mark.

5. Align on a negotiation plan: Decide ahead of time whether you’ll push for price, concessions, or a buydown.

Bottom Line

Small shifts can make a big difference. If you track the Fed’s Sept 17 announcement, the rate spread, inventory, and price reductions, you’ll be positioned to move when the math works in your favor.

Let’s Talk Strategy (No Pressure)

If you’re planning a move in the next 6–12 months, let’s outline your options and build a step-by-step plan tailored to you.

📞 Call or text (509) 730-5752 to schedule a free 15-minute consult, or send a quick message and I’ll reach out.