Hoping mortgage rates will come down soon? The latest inflation report just made that outlook a little more complicated. Inflation climbed to 3.7% in September, higher than economists expected. And while rising gas prices were a big driver, costs increased across several other categories too. Why does that matter for housing? Because stubborn inflation makes it harder for the Fed to justify lowering their Federal Funds Rate. It could even increase the chances of another hike. Now, the Fed doesn't directly control mortgage rates. But inflation and Fed expectations influence them, which means there's no guarantee mortgage rates will move lower anytime soon. If you're planning to buy or sell, don't let a hoped-for rate drop be the only thing driving your timeline. Let's look at what today's market means for your move and build a plan around the numbers you can actually work with. #Inflation #MortgageRates Susan Adams - Coldwell Banker West - DRE#01994357

Birthday fun at La Jolla Cove! 🛶🌊🥳⁣ Spent part of my birthday last week kayaking in La Jolla Cove with the fam. Such a fun day and a great way to celebrate! ❤️⁣ ⁣ Thanks @everydaycalifornia for a great experience! If you’re looking to kayak in La Jolla, I’d definitely recommend them!

Why Most People Are Still Glad They Bought a Home Don’t let today’s uncertainty make you lose sight of what homeownership can do over time. Most homeowners say they’d make the same choice again. And decades of home-price growth help explain why. If you’re wondering whether buying makes sense for you right now, let’s look at the numbers together – and what owning a home could mean for you in the years ahead. #HomeEquity #Homebuying Susan Adams - Coldwell Banker West - DRE#01994357

More Homes for Sale Now Than Any Time Since 2019 House hunting? You've got more homes to choose from than you've had in years. Right now, the number of homes for sale is the highest it's been since 2019. That's basically back to back to pre-pandemic normal – so there's more to pick from, and it's easier to find one that fits your budget. So, when you’re ready, let’s find your home and negotiate a deal you'll feel good about. #HouseHunting #HomebuyingTips Susan Adams - Coldwell Banker West - DRE#01994357

Planning for the years ahead often comes down to one big decision: stay or move. Staying in your house could mean you have to do some updates like grab bars, walk-in showers, and wider doorways. Moving to a 55+ community lets you skip the remodel and puts a lot of perks right outside your door. Many offer on-site amenities, added security, and an HOA that takes care of shared spaces. Plus, they make it easy to feel connected to the people around you. And the equity you've built in your current house could help you make the move. Weighing your options? Reach out to talk through what makes the most sense for you. #55PlusLiving #SellYourHouse Susan Adams - Coldwell Banker West - DRE#01994357

Excited to be recognized as the #8 Top Producer for our Chula Vista office for August! 😁 I’m grateful for another busy month and especially thankful for the clients who trusted me to help with their real estate needs. I also truly appreciate everyone who continues to support my business and send referrals my way! 💛⁣ ⁣ ✨As always, if you or someone you care about is planning to sell or purchase real estate, it would be my pleasure to be of service.✨⁣ ⁣ Susan Adams | Realtor®⁣ Coldwell Banker West⁣ 619-730-8982⁣ www.SusanSellsSD.com⁣ DRE#01994357⁣ ⁣ #susansellssd #susanadamsrealtor

Buyers Have More Room To Negotiate Right Now Good news if you're house hunting: the asking price may not be the final word. Right now, about 60% of homes are selling below their original asking price. With budgets stretched thin, a little give on price or terms can take some pressure off your wallet. But how much you can negotiate depends on where you're buying. So, let's chat about what you can ask for in the neighborhoods you're eyeing. #HouseHunting #BuyingPower Susan Adams - Coldwell Banker West - DRE#01994357

Higher mortgage rates are making buyers pay closer attention to one thing: the monthly payment. And builders know it. Right now, 13.8% of new-construction listings are advertising reduced rates, giving some buyers a way to bring that monthly payment down. So, if you're selling near new construction, that's something worth paying attention to. But it doesn't mean you automatically need to match what a builder is offering. Depending on your house, your market, and the buyer, competing could mean negotiating on price, helping with closing costs, offering a rate buydown, or simply doing a better job highlighting what your house offers that a new build doesn't. The point isn't to give more away. It's to know what you're competing against so you can choose the right strategy from the start. If you're planning to sell, let's look at what buyers can get in our area and make sure your house is... #Homebuilders #HomeSellingTips Susan Adams - Coldwell Banker West - DRE#01994357