What Experts Forecast for Mortgage Rates and Home Prices in 2027 Want to know what’s next for rates and prices? The forecasts are in. And the outlook for the housing market in 2027 comes down to one word: steady. The latest forecasts from Fannie Mae, the Mortgage Bankers Association, and Wells Fargo show mortgage rates holding fairly flat through 2027. No big drop expected. No big spike either. Lenders agree. In a recent HousingWire survey, 70% of mortgage executives said they expect rates to be around 7.5% or higher six months from now. Home prices are on a steady path too. On average, those same forecasts show national prices rising about 1% to 1.5% a year through 2027. So what does that mean for you? If you’re buying, slower price growth gives you a little more breathing room. And instead of waiting on a rate drop that may not come, you can focus on what you can control, like a monthly payment that feels comfortable today. If you’re selling, your house should keep holding its value, which makes it easier to plan your move around your goals and timeline. Just keep in mind, these are national numbers. What’s happening in your neighborhood could look different. Curious what a move could look like at today’s rates and prices? Let’s run the numbers together. #HousingMarket #MortgageRates Susan Adams - Coldwell Banker West - DRE#01994357

The Fed just met and they decided on no rate hike and no rate cut. So, what does that mean if you're watching and hoping for lower mortgage rates? The short answer: don't expect this to dramatically change things. For now, they’re holding steady. But a recent survey from Reuters asked 100 economists what to expect from here – and all 100 said the Fed will do a hike in December. Now, the Fed doesn't directly set mortgage rates, but their actions do have an impact. Rates will also move based on inflation, economic data, and how financial markets react. The takeaway? There’s a lot at play here – and we’ll probably see a hike the next time they meet. Follow me for straightforward updates on what’s actually happening and why it matters for the housing market. #MortgageRates #HousingMarketNews Susan Adams - Coldwell Banker West - DRE#01994357

A Carlsbad condo with an easy, airy feel. 🌊 817 Kalpati Circle #112 is on the first floor in gated Ocean Pointe, with 2 bedrooms, 2 baths, and approximately 1,660 sq. ft. High ceilings and an open layout make the space feel inviting. There’s a fireplace for cozy nights and a private patio when you want some fresh air. The primary suite includes dual closets, dual sinks, a soaking tub, and a separate shower. Central A/C, in unit laundry, two assigned garage spaces, storage, a pool, and a spa are all part of the package. Newly improved price. Take a look! https://www.susansellssd.com/d8r61pep Susan Adams | Realtor® Coldwell Banker West DRE# 0199435 #Carlsbad #CarlsbadRealEstate #CarlsbadCondo #OceanPointe #CoastalLiving #SanDiegoRealEstate #CondoForSale

Who’s Buying Homes with Cash Right Now? More than 1 in 4 homes are being bought with cash right now. But here's something that might surprise you about who's buying them. It's not just wealthy investors swooping in with deep pockets. A lot of these cash buyers are everyday homeowners who've built up serious equity over the years. And that equity is giving them more buying power than they may have ever imagined. According to Cotality, the average homeowner with a mortgage has about $310,000 in equity. Think about what that could mean for your next move. You might have enough equity to buy your next home outright. No mortgage payment. No worrying about today's interest rates. And even if you can't pay all cash, that equity could help you borrow significantly less. But what if you're buying with a mortgage? Here's some good news: Nearly 3 out of 4 homebuyers are still using financing. You're actually in the majority. So don't let the headlines about cash buyers make you second-guess what's possible for you. Whether you're buying your first home or using equity to make your next move, there may be more opportunities than you think. Wondering how you stack up in today's market? Send me a message. Let's talk about your options. #HomeEquity #HomeBuyingTips Susan Adams - Coldwell Banker West - DRE#01994357

Why Builders May Be More Motivated To Sell Than Homeowners Pending home sales just dropped 11.3% compared to last year. But what if that slowdown could actually help you get a better deal on a brand-new home? Here's why that matters. When the market slows, homeowners and builders don't always react the same way. A homeowner who isn't getting the offers they want can decide to stay put and wait. But builders? They've already invested in houses they need to sell. And every completed home that sits unsold costs them money. That can make builders more motivated to negotiate. And the numbers prove they're already making moves. According to the National Association of Home Builders, 65% of builders are offering incentives, and 43% are cutting prices. The typical reduction? 6%. For buyers, that could mean serious savings. Think lower prices, help with closing costs, or even a better mortgage rate. And the biggest opportunities may be hiding in brand-new homes that are already built and waiting for buyers. So, before you rule out new construction, let’s see which builders in our area may be ready to negotiate. #NewHomes #HomeAffordability Susan Adams - Coldwell Banker West - DRE#01994357

🚨 PRICE IMPROVED! Was $999K, NOW $950K! 🌊⁣ ⁣ Coastal Carlsbad living just got more attainable. This first-floor home in the gated community of Ocean Pointe, west of I-5, is now priced to move.⁣ ⁣ 2 beds | 2 baths | ~1,660 sq. ft. of single-level living, with high ceilings, an open floor plan, a private patio and a generous primary suite. No stairs, ever.⁣ ⁣ ✨ Central A/C⁣ ✨ In-unit laundry⁣ ✨ 2 assigned underground parking spaces⁣ ✨ Extra storage⁣ ✨ Community pool & spa⁣ ⁣ Minutes to the beach, the lagoon trails and Carlsbad Village. 🎥 Watch the video for a full walkthrough, then come see it in person.⁣ ⁣ 📍 817 Kalpati Circle #112, Carlsbad⁣ ⁣ DM me or call to schedule a private showing before someone else does.⁣ ⁣ Susan Adams | Realtor®⁣ Coldwell Banker West⁣ 619-730-8982⁣ www.SusanSellsSD.com⁣ DRE#01994357⁣ ⁣ #susansellssd #SusanSellsSD #SusanAdamsRealtor

OPEN HOUSE THIS WEEKEND! A remodeled Lemon Grove home with room for the RV, the toys, and the weekend BBQ. 🚐 6860 San Miguel Avenue offers 3 bedrooms, 2 baths, and 1,130 sq ft of move-in-ready living with contemporary updates throughout. The enormous driveway delivers exceptional parking flexibility, while the backyard patio is ready for outdoor dining and entertaining. Leased solar panels add an opportunity for energy savings. Open Saturday, October 31, 11 AM–2 PM. Stop by and see it in person. 6860 San Miguel Ave Lemon Grove, CA 91945 Listing courtesy of Monica Vasquez DRE 01851595 https://www.susansellssd.com/d8r60vix #susansellssd #SanDiegoHomes #OpenHouse #RVParking #susanadamsrealtor

Buyers, this is big. The housing market is giving you a level of negotiating power we haven't seen since the years following the housing crash. According to Redfin, there are now 63% more sellers than buyers nationwide, and 41 of the 50 largest metros favor buyers. That means, in most places, you have more say in what you're willing to pay, what you're willing to accept, and what you want to negotiate. And sellers have more reason to listen. Of course this varies market to market, but this shift is creating opportunities for buyers who are ready to jump in – even with today’s higher rates. DM me, and let's make sure you know how to take advantage of it. #HomebuyingTips #HousingMarketNews Susan Adams - Coldwell Banker West - DRE#01994357