While mortgage rates are currently above 7%, October stands out as a strategic window for buyers in 16 U.S. metros—thanks to the increased negotiability of spring listings that remain on the market. This is a unique opportunity for those who can be flexible with their location and are diligent about comparing lenders and refining their credit to secure more favorable loan terms. Drawing on my background in legal strategy and negotiation, I always advise clients to approach these moments with both insight and preparation. When timing and attention to detail align, even a challenging rate environment can present real advantages.
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