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

3 Things You Can Actually Control About Your Mortgage Rate Right Now You can't control where mortgage rates go, but you can control your credit, your loan, and the kind of home you buy. Working with a trusted lender can help you lock in the best rate you qualify for. And when you’re ready to make a move that fits your budget, let’s connect. #HomeAffordability #MortgageRates Susan Adams - Coldwell Banker West - DRE#01994357

Hoping for (or Dreading) a Housing Crash? The Experts Just Weighed In. Whether you're bracing for a crash or hoping for one, the verdict is the same – prices are still expected to rise, not fall. Let's talk about what that means for your market and your plans. #HousingMarket #HomeBuyingTips Susan Adams - Coldwell Banker West - DRE#01994357

🏡 OPEN HOUSE IN CARLSBAD! 🌊⁣ SATURDAY | SEPT 26 | 12-3PM⁣ ⁣ 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

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There Are 4 Types of Housing Markets Right Now. Which 1 Are You In? Four different housing markets are running at once: cash buyers, financed buyers, locked-in owners, and builders. Each one plays by its own rules, and the right move for one is exactly the wrong move for another. Let's figure out which one you're actually in and build your next move from there. #HousingMarket #MortgageRates Susan Adams - Coldwell Banker West - DRE#01994357

Does one size ever really fit all? One mortgage rate doesn't either. You may be seeing today’s higher rates and worrying about whether it’s still worth it to buy. Here’s what you need to realize… Mortgage rates differ just like the people who apply for loans. So, the rate you see online isn’t necessarily the one you’d get when you buy. Your real mortgage rate is specific to your individual situation. It can be higher or lower than what you've seen or heard. So, don’t assume the rate in the headlines is your rate. Before you decide you can't buy a home or that you should wait, find out what your real rate is. You'll know what your options are and get a map to what's possible. And a quick conversation with a loan officer is the perfect place to start. #MortgageRates #HomebuyingTips Susan Adams - Coldwell Banker West - DRE#01994357

Waiting for mortgage rates to come down may feel like the only way to make buying a home possible. But 41% of buyers who waited wish they'd bought sooner – before rates and prices rose again. Right now, factors like inflation, the economy, and global events are all having an impact on rates – and it’s not in the direction you’d hope. So, for a lot of buyers, waiting might not pay off. Sometimes it just means putting your life on hold for what feels like too long. Before you decide to hit pause on your move, talk to a trusted lender. They’ll go over options that can help make buying work at today’s rates, and how to get the best rate you can. You certainly don’t have to buy now. You should buy when the numbers work for you. But you should at least know your options before making a decision. #MortgageRates #HomebuyingTips Susan Adams - Coldwell Banker West - DRE#01994357