Want to know who's got the upper hand in today's housing market? One number tells you almost everything you need to know. It's the months' supply of homes for sale. If there's fewer than 4 months? Sellers have the advantage. Between 4-6 months? Buyers and sellers are on equal footing. More than 6 months? Buyers have the power. Right now, nationally, this is the most balanced market we've seen in years. But balanced doesn’t mean the market’s the same everywhere. Some places are already leaning much more toward buyers. Others still strongly favor sellers. If you're wondering who's got the upper hand where we live, let's talk. I'll show you what the numbers look like in our market and what they could mean for your next move. #HousingMarketNews Susan Adams - Coldwell Banker West - DRE#01994357

Congratulations to my clients on their new home in Carlsbad! 🏡⁣ ⁣ With beautiful ocean and lagoon views, this one was hard to pass up. I’m so happy we were able to put everything together and get it closed so quickly! ⁣ Thank you for trusting me throughout the process. I’m excited for you to enjoy your new home and those incredible views! ❤️⁣ ⁣ Susan Adams | Realtor®⁣ Coldwell Banker West⁣ 619-730-8982⁣ www.SusanSellsSD.com⁣ DRE#01994357⁣ .⠀⁣ .⠀⁣ #findingyourhappyplace #sandiegorealtor #susansellssd #susanadamsrealtor

🏡 JUST LISTED IN CARLSBAD! 🌊⁣ ⁣ Enjoy coastal living in the highly sought after gated community of Ocean Pointe, west of I-5!⁣ ⁣ This spacious first floor residence offers 2 bedrooms, 2 baths and approximately 1,660 sq. ft. of comfortable single level living with high ceilings, an open floor plan, private patio and generous primary suite.⁣ ⁣ ✨ Central A/C⁣ ✨ In unit laundry⁣ ✨ Two assigned underground parking spaces⁣ ✨ Additional storage⁣ ✨ Community pool & spa⁣ ⁣ Perfectly situated near the beach, lagoon trails, Carlsbad Village, shopping and restaurants. The best of the Carlsbad lifestyle is right at your doorstep.⁣ ⁣ 📍 817 Kalpati Circle #112, Carlsbad⁣ ⁣ For more information or to schedule a private showing, contact me today!⁣ ⁣ Susan Adams | Realtor®⁣ Coldwell Banker West⁣ 619-730-8982⁣ www.SusanSellsSD.com⁣ DRE#01994357⁣ ⁣ #Carlsbadhomes #susanadamsrealtor #SusanSellsSD

Thinking About Waiting for Lower Mortgage Rates? Read This First. If you've been putting your home search on hold because you're convinced mortgage rates will be much lower soon, it may be worth taking another look at that strategy. Let’s connect so you have an expert who can at least walk you through your options and decide whether waiting really puts you in a better position – or just keeps you on the sidelines a little longer. #HomeAffordability #MortgageRates Susan Adams - Coldwell Banker West - DRE#01994357

Mortgage rates aren’t random. They’re affected by 2 numbers. The 10-year treasury yield and something called "the spread." That's the gap between the 10-year treasury yield and mortgage rates, and it usually sits around 1.76 percentage points. Back in 2023, the gap in the spread ballooned up to 3.19 in response to economic uncertainty. If it were still that wide today, rates would be pushing almost 8%. But the good news is the gap has narrowed to 2.01 (a lot closer to the long-term norm). And that’s a big positive for rates. It’s why today’s mortgage rate is in the upper 6s instead of touching 8%. Here's the part a lot of people miss. Where rates are right now are already pretty close to what a totally normal spread would produce – a mortgage rate around 6.5%. In other words, the fact that the spread has narrowed in recent years has helped mortgage rates. Sure, they’re still higher than... #MortgageRates #HousingMarket Susan Adams - Coldwell Banker West - DRE#01994357

Happy 4th birthday, Yogi! 🐶🎂💛

Here’s Why Mortgage Rates Are What They Are Right Now That’s the trade-off with a narrowing spread. Rates may not be where you want them, but they're better than they could've been. If you want help figuring out what that means for your monthly payment, reach out to a local lender #MortgageRates #HousingMarket Susan Adams - Coldwell Banker West - DRE#01994357

Repeat buyers, you’ve got a big leg up on your next move. It’s your equity, the difference between what your house is worth and what you still owe on your mortgage. Sell, and that equity turns into cash you can roll right into your next down payment. That’s how a lot of repeat buyers put down 20% or more. But why do they, especially when they don’t necessarily have to? Because putting more down saves you money in the long run. A bigger down payment means a smaller loan, so your monthly payment is lower and you’re paying less interest over time. You can also skip private mortgage insurance, or PMI, which is an additional monthly fee required for loans with less than 20% down. Talk to a trusted lender to figure out what down payment makes the most sense for your budget. And when you’re ready to kick start your move, let’s talk. #DownPayment #HomeBuyingTips Susan Adams - Coldwell Banker West - DRE#01994357