📊 Fed Holds Rates - What It Means for San Ramon, Danville, Bay Area Buyers 🏡

Last week, the Fed held interest rates steady and hinted at two potential cuts later this year. While rates are still on the higher end, there’s good news - smart buyers have options.

✅ Here are 4 proven strategies to navigate today’s market:

1️⃣ Shop Multiple Lenders

📉 According to Realtor.com, comparing lenders could shave 0.86% off your rate - a few extra calls could save you thousands.

2️⃣ Boost Your Credit Score

💳 A higher score - especially in the "very good" range - can drop your rate by 0.22%, based on data from Fannie Mae and the CFPB.

3️⃣ Increase Your Down Payment

💰 Even going from 10% to 15% can lower your rate and eliminate PMI.

4️⃣ Ask About a Temporary Buydown

🏷️ Some sellers or builders offer a 2-1 buydown, meaning a 2% lower rate the first year, 1% the second - great for easing in.

🎯 No shortcuts here - just smart moves that work with the right plan.

If you’re watching the market or thinking about buying, I’d love to help you strategize and save.

📍I am Ash Kaur Sahni, REALTOR® | Seniors Real Estate Specialist (SRES®) | "Downsizing Made Easy" Certified and Your Trusted Real Estate Advisor, Serving San Ramon | Danville | Bay Area.

📩 DM me anytime

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