10/12/2026
There isn’t just one housing market right now. There are four.
And knowing which one you’re in can completely change how you approach your next move.
01. Cash buyers
If you have significant equity, buying with cash can give you more flexibility and a stronger negotiating position.
02. Buyers using financing
Mortgage rates may not be moving the way buyers hoped, but sellers are increasingly offering concessions think closing-cost credits or rate buydowns.
03. Homeowners with low mortgage rates
With so many homeowners sitting on rates below 5%, moving can feel like giving up something valuable. That’s keeping inventory tighter.
04. New construction
Builders are competing for buyers, which can mean more room to negotiate on price, upgrades, or financing incentives.
The takeaway? There’s no universal “right move” in today’s market.
The strategy that makes sense for a cash buyer may look completely different for someone financing a purchase or for a homeowner deciding whether it’s finally time to move.
That’s why we always start with the same question: What does the market look like for YOU?
Because your next move should be based on your numbers, your goals, and the specific opportunity in front of you not just the headlines.