09/22/2025
📊 Market Monday Update 📊
Rates are kicking off the week steady in the mid-6s 🙌🏼 That means payments are lighter—about $290 less/month on a typical loan compared to this summer. Add in slower price growth + ~4% boost in paychecks = homebuying just got a little easier. 💪🏽
✨ Pro Tip: Seller Concessions/Credits can be GOLD right now:
✅ Apply to Closing Costs → less cash out of pocket at closing
✅ Apply to a Permanent Rate Buydown → lower monthly payment for the life of the loan
⚖️ Rule of thumb:
If you’ll keep the loan 5+ years → permanent buydown usually wins.
If you’re focused on short-term or cash-to-close → apply to closing costs.
👩‍💻 Want a custom side-by-side for YOUR budget?
DM me the word “PAYMENT” and I’ll run the numbers.
📞 Mariah Lee
Cell: 321-689-3575
đź“§ [email protected]