08/14/2026
🏡 Thinking About Buying a Home in California? Don’t Let Today’s Interest Rates Stop You!
Mortgage rates are currently hovering around the mid-to-upper 6% range for many California buyers. Yes, that’s higher than the historically low rates we saw a few years ago—but there’s something important to remember:
You’re not necessarily married to your interest rate. You’re married to the house. ❤️🏡
If rates come down in the future, homeowners may have the opportunity to refinance into a lower rate, potentially reducing their monthly payment.*
And today’s market may offer buyers advantages we didn’t see when rates were extremely low—like less competition, more negotiating power, price reductions, and potential seller concessions.
Waiting for rates to fall can also mean waiting for more buyers to jump back into the market—and potentially more competition for the same homes.
If you find the right home and the payment works for your budget today, it may be worth having the conversation.
🇺🇸 Kelly Higgins, REALTOR®
Kelly Higgins Will Move You!
DRE #01928668
Home Smart PVA
📲209-485-8959
Refinancing is subject to future market conditions, qualification, costs and lender requirements. Lower future rates are not guaranteed.
Call now to connect with business.
