The Best Week to Buy a Home in Sacramento Is Coming Up |
Data from Realtor.com shows that mid-October often brings a rare combination: more listings, lower prices, and less competition. In fact, homes during this window have historically been nearly 3% cheaper with over 18% more inventory.
We broke down what this means for Sacramento buyers  [Read the full breakdown on wrspg.com]
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Why Experts Say Mortgage Rates Should Ease Over The Next Year |
You want mortgage rates to fall – and they’ve started to. But is it going to last? And how low will they go? Experts say there’s room for rates to come down even more over the next year. And one of the leading indicators to watch is the 10-year treasury yield. Here’s why. The Link Between Mortgage Rates and the 10-Year Treasury Yield For over 50 years, the 30-year fixed mortgage rate has closely followed the movement of the 10-year treasury yield, which is a widely watched benchmark for long-term interest rates (see graph below): |
When the treasury yield climbs, mortgage rates tend to follow. And when the yield falls, mortgage rates typically come down. It’s been a predictable pattern for over 50 years. So predictable, that there’s a number experts consider normal for the gap between the two. It’s known as the spread, and it usually averages about 1.76 percentage points, or what you sometimes hear as 176 basis points. The Spread Is Shrinking Over the past couple of years, though, that spread has been much wider than normal. Why? Think of the spread as a measure of fear in the market. When there’s lingering uncertainty in the economy, the gap widens beyond its usual norm. That’s one of the reasons why mortgage rates have been unusually high over the past few years. But here’s a sign for optimism. Even though there’s still some lingering uncertainty related to the economy, that spread is starting to shrink as the path forward is becoming clearer (see graph below): |
And that opens the door for mortgage rates to come down even more. As a recent article from Redfin explains: “A lower mortgage spread equals lower mortgage rates. If the spread continues to decline, mortgage rates could fall more than they already have.” The 10-Year Treasury Yield Is Expected To Decline It’s not just the spread, though. The 10-year treasury yield itself is also forecast to come down in the months ahead. So, when you combine a lower yield with a narrowing spread, you have two key forces potentially pushing mortgage rates down going into next year. This long-term relationship is a big reason why you see experts currently projecting mortgage rates will ease, with a fringe possibility they’ll hit the upper 5s toward the end of next year. Here’s how it works. Take the 10-year treasury yield, which is sitting at about 4.09% at the time this article is being written, and then add the average spread of 1.76%. From there, you’d expect mortgage rates to be around 5.85% (see graph below): |
But remember, all of that can change as the economy shifts. And know for certain that there will be ups and downs along the way. How these dynamics play out will depend on where the economy, the job market, inflation, and more go from here. But the 2026 outlook is currently expected to be a gradual mortgage rate decline. And as of now, things are starting to move in the right direction. Bottom Line Keeping up with all of these shifts can feel overwhelming. That’s why having an experienced agent or lender on your side matters. They’ll do the heavy lifting for you. If you want real-time updates on mortgage rates, reach out to a trusted agent or lender who can keep you in the loop and help you plan your next move. |
Discover Your True Home Equity Equity is one of the biggest financial benefits of owning a home, and 2025 has been an interesting year for it in our area. The numbers might surprise you. Rather than relying on a generic online tool, I’ll run the comps, check recent sales, and factor in the details unique to your property so you get a clear picture of how much equity you’ve actually built. Let me show you how much equity you have gained. Contact me and I’ll prepare a personalized report for your home. |
Deal of the Week: Auburn Half-Acre Value This week’s pick combines space, updates, and value. A home priced well below Auburn’s market median with room to grow. - 3–4 bedrooms, 2 baths, ~1,900 sq.ft. of living space
- Just $262 per sq.ft. vs. Auburn’s $345 median — an under-market entry point
- Recent updates include granite kitchen and remodeled bathrooms
- Set on a .68 acre lot at the end of a quiet lane with plenty of potential
With space inside and out plus recent price drops, this property is one of Auburn’s best value plays right now. Reply INTERESTED and I’ll get you the full details. |
Auburn Market Update Here's the latest snapshot of the Auburn Housing Market | *Only Single Family Homes Reported - Previous 30 Days* |
Buyer’s vs. Seller’s Market A buyer’s market happens when there are more homes than buyers, slowing price growth. A seller’s market occurs when demand outweighs supply, leading to quicker sales and higher prices. A neutral market falls somewhere in between. Market Update - Previous 30 Days* Housing Supply: Auburn is sitting at 2.7 months of housing supply. Days on Market: 67 Average Sold Price: $659k Looking for market insights in another area? Contact me today. |
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In this episode, we cover what’s changed recently, how the summer market shaped today’s trends, and what to expect heading into fall. If you're keeping an eye on Roseville, this one’s for you.
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