What the Fed’s Latest Move Means for You: Buy or Sell Now?

The Federal Reserve has once again held interest rates steady — and while that doesn’t directly dictate mortgage rates, it definitely impacts them. If you're thinking about buying or selling a home, here's what this means for you (and why it might be the perfect time to take action).

💡 First, what’s going on with mortgage rates?

Mortgage rates aren’t set by the Fed, but they are heavily influenced by its decisions and guidance. Since there was no rate cut this time, we’re likely to continue seeing rates in the 6–7% range in the near term.

That said, many experts are predicting at least one rate cut later this year, with more possible in 2026. That’s a big signal for market shifts ahead.

🛒 If You’re a Buyer: Don’t Just Wait on Rates

You’re not alone if you’re hoping for a lower mortgage rate. But here’s the catch: when rates drop, competition spikes. More buyers flood the market, driving up prices and fueling bidding wars.

Right now, you have an advantage — less buyer competition and more room to negotiate. Plus, you can always refinance later if and when rates fall.

Today’s opportunity:

• Less bidding war pressure

• More negotiating power

• Potential to refinance down the road

🏠 If You’re a Seller: Timing Still Matters

There are still serious, qualified buyers in the market — especially those relocating, upsizing, or navigating major life changes. And with home prices holding steady (and even climbing slightly year-over-year in many areas), your equity is still working for you.

If rates drop and buyer demand rises, that’s great — but are you planning to buy, too? Waiting could mean selling into a hotter market but also buying into one. Strategic pricing and strong presentation are key now more than ever.

Today’s opportunity:

• Motivated buyers still in the market

• Stable to slightly rising home values

• Less competition before the next rate drop frenzy

🧠 Bottom Line: Don’t Wait for the “Perfect” Market — Get a Strategy

No one can perfectly time the market, but you can make smart moves based on where it’s headed.

Whether you’re buying, selling, building, or investing, I’m here to help you:

• Understand your numbers

• Explore your options

• Make a move that fits your life and your goals

📞 Let’s talk — no pressure, just answers. You can reach me directly at (708) 601-2874 or visit TheNydamGroup.com to start the conversation.

Smart real estate moves happen when you plan ahead — not when you follow the crowd.