Peggy Gaddini, Realtor

09/15/2026

My new billboard is up in Paradise near the corner of Wagstaff and Skyway- you can view it if you are driving north to Magalia. Let me know if you need help buying or selling real estate.

08/26/2026

https://matrix.crmls.org/matrix/shared/MjpgKZNLSXJd/0BoetaCourt

MLS # PA26072107 – If you appreciate trees and wildlife, this 2.39-acre property zoned agricultural residential in the town limits but nestled away from the main road may be for you. This undevelope...

08/15/2026

A 3% mortgage rate can feel like the number everyone is waiting to see again.

But the history in this image tells a different story.

Look at the rates shown across the decades: 9.0% in 1975, 14.4% in 1980, 13.5% in 1985, 10.1% in 1990, 7.9% in 1995, and 8.0% in 2000.

Even as rates declined over time, the chart shows how unusual the 2%–3% range was compared with many of the higher-rate periods that came before it.

The 2020 figure of 2.7% stands out precisely because it was so low. It created a reference point that can make today's rates feel unusually expensive—even when compared with much of the mortgage-rate history shown here.

The image lists 2025 at 6.7% and a current rate of 6.67%. That is a very different environment from 2020, but it is also important not to assume that 3% is a normal destination simply because millions of homeowners experienced it.

This is where psychology can influence a major financial decision.

If someone decides, “I will buy only when rates reach 3%,” they are no longer evaluating the entire housing decision. They are anchoring on one number and waiting for a specific outcome that nobody can reliably guarantee.

Mortgage rates can change over time. They may move higher or lower. But there is no guarantee that 3% will return, or that it will return on the timeline someone expects.

The bigger lesson from this chart is not that today's rate is good or bad. It is that 3% should not automatically be treated as the historical norm or as a guaranteed target for the future.

So the real question is: should a home decision depend on waiting for one specific mortgage rate, or should affordability be evaluated based on the overall financial picture at the time?

What do you think?

08/14/2026

Did you know we are accepting new clients? 🎉 We welcome patients as young as 1 years old! Schedule your consultation today https://www.mychicodentist.com/

08/14/2026

08/14/2026

Check out my listing at 1759 Drendel Circle Paradise

07/23/2026

This metric tells us about the middle of the market in terms of price per square foot. It makes it easy to compare homes of different sizes.

Peggy Gaddini
Re/Max Home & Investment
530-518-5889

07/21/2026

What do you make of this modern hammock?
Looks a little easier to get in and out of, but definitely might be less comfortable!

Peggy Gaddini
Re/Max Home & Investment
530-518-5889

07/19/2026

The view is better when you’ve worked hard for it. Seize the moment.

Peggy Gaddini
Re/Max Home & Investment
530-518-5889

07/17/2026

Love a stand out bathroom with high tech.

Peggy Gaddini
Re/Max Home & Investment
530-518-5889

Bathrooms are getting smaller, but that doesn’t mean they skimp on amenities. Smart tech, comfort and spa-like serenity still set the tone.