YOU'RE $290 CLOSER TO YOUR DREAM HOME AND DON'T EVEN KNOW IT YET

If you've been watching the real estate market from the sidelines for the past two years—frustrated by sky-high home prices and brutal mortgage rates—I need you to pay very close attention right now.

Something significant just shifted in the housing market, and it's creating an opportunity that hasn't existed in years.

Redfin just released data showing that the average monthly mortgage payment is down nearly $290. Let me repeat that: DOWN nearly $290 per month.

For buyers who have been priced out, discouraged, or waiting for conditions to improve—this is the moment you've been waiting for.

LET'S BREAK DOWN WHAT ACTUALLY CHANGED

Mortgage Rates Dropped Significantly We've seen rates fall from around 7% down to approximately 6.3%. That might not sound dramatic, but let me show you what it means in real terms:

On a $500,000 home loan, the difference between 7% and 6.3% is roughly $230 per month. On a $600,000 loan? You're looking at $275+ per month in savings. That's real money that either stays in your pocket or increases your buying power to afford a better home.

Home Price Growth Has Slowed The insane bidding wars and runaway appreciation we saw during the pandemic have cooled significantly. Home prices are still appreciating—real estate remains a solid investment—but the rate of increase has become much more manageable and predictable.

This means you're not competing against 15 other offers or being forced to waive contingencies just to have a shot at a home.

Wages Have Increased While home affordability was getting worse, your income was likely getting better. Wage growth over the past two years has been strong across most sectors. Combined with lower rates and stabilized pricing, your actual buying power has improved dramatically.

The Market Is Finally Tipping Back Toward Buyers For years, this has been a seller's market where buyers had almost no leverage. That dynamic is shifting. We're seeing more inventory, longer days on market in some areas, and sellers who are willing to negotiate on price, repairs, and closing costs.

This is what balance looks like—and it creates opportunity.

WHAT DOES $290 PER MONTH REALLY MEAN FOR YOU?

Let's get practical. An extra $290 per month in your budget means:

Increased Buying Power: You might qualify for $40,000-$50,000 more in purchase price than you could a year ago
Better Cash Flow: That's $3,480 per year that stays in your pocket for savings, investments, or quality of life
Access to Better Homes: The house that was just out of reach? It might be affordable now
Reduced Financial Stress: Lower monthly obligations mean more breathing room in your budget
IF YOU HIT PAUSE BEFORE, IT'S TIME TO HIT PLAY NOW

I talk to buyers every week who put their home search on hold 12-18 months ago because the market felt impossible. They were smart to wait rather than overextend themselves.

But conditions have changed. The market you were avoiding doesn't exist anymore.

If you've been waiting for:

Rates to come down ✅
Prices to stabilize ✅
Competition to ease ✅
Your income to catch up ✅
...then you're waiting for conditions that are already here.

THE WINDOW WON'T STAY OPEN FOREVER

Here's what I know from 15+ years in real estate: opportunity windows open and close. Smart buyers recognize them and act. Hesitant buyers wait for "perfect" conditions that never come.

This isn't about pressure—it's about information. The data is clear: buying conditions have improved significantly for the first time in years.

But if rates drop further or inventory tightens again, you'll be competing with everyone else who suddenly realizes the opportunity. First movers have the advantage.

WHAT YOU NEED TO DO RIGHT NOW

Stop relying on national headlines and generic market data. You need to know what's happening in YOUR local market with YOUR specific situation.

💬 DM me the word "FALL" right now

I will personally send you:

✅ FREE Fall Buyer Guide - Current market insights, strategies, and what to expect in today's buying environment

✅ Local Stats for YOUR Area - Not national averages. Real data about inventory, pricing, and trends in the neighborhoods you actually care about

✅ Personalized Affordability Analysis - Based on current rates and your situation, I'll show you exactly what's possible right now

This is your chance to see—with real numbers—what that $290 monthly savings means for YOUR home buying journey.

I'm Steve Hise with eXp Realty—Your Community Real Estate Partner. I've helped hundreds of buyers navigate every kind of market condition, and I'm telling you: this is a legitimate opportunity window.

Don't let it close before you even explore what's possible.

DM me "FALL" and let's figure out your next move together.

#stevehise #simivalley #HomeBuying #MortgageRates #RealEstate #FirstTimeHomeBuyer #BuyerMarket