Buying in today's market: what smart buyers are doing differently.

Inventory is up, rates have softened, and there's more room to negotiate than any time since 2022. Five moves that actually work right now.

This article is part of our Insights library — plain-spoken guidance from licensed loan officers who work files every day. We publish updates here as markets, rates, and borrower questions shift.

Have a question about your situation? A licensed officer can walk through options with you — no hard credit pull required to start a conversation.