02/12/2026
Keepin’ It Real With Rich ~
If Rates Fall Multiple Times This Year, Are You Ready?
There are credible voices saying the Federal Reserve could cut rates a whole bunch of times — substantially more than what the market expects.
I reviewed fresh rate sheets today and I’m already seeing certain FHA and VA scenarios in the low 5’s.
If multiple cuts actually happen, here’s what I believe we’ll see:
More buyers re-enter the market.
Inventory tightens.
Seller leverage increases.
Competition heats up.
We’ve seen this before.
When money gets cheaper, demand rises.
One strategy I’m discussing with buyers right now is this:
Secure the house while you still have negotiating power… Then refinance later if and when rates drop further.
That beats trying to win bidding wars if the market shifts fast like it did in 2021.
If you want to talk through whether that approach makes sense for you, send me a DM or call/text me at 719-568-1897.
Preparation beats reaction. Every time.