Posts with tag 'Mortgage'

As the holidays approach, many Bend homeowners find themselves asking the same question: Should I list my home now or wait until after the New Year?
The truth is, there's no one-size-fits-all answer—but there are compelling reasons to consider making your move before the year ends.

Why Selling Before the Holidays Can Work in Your Favor

1. Motivated Buyers Are Still Looking
   Not everyone slows down for the season. Many buyers in Bend are relocating for work, making year-end moves to take advantage of tax benefits, or finally finding time to focus on their home search during the holidays. These buyers are serious—and they're often ready to make strong offers.
2. Less Competition Means More Attention
   Inventory in

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If you paused your plans to move because of high rates or prices, it may finally be time to take a second look at your numbers. Affordability is improving in 39 of the top 50 markets, according to First American. And that's the 5th straight month where buying a home has started to get a little bit easier.

Let's break this down into real dollars, so you can see the difference this could make for you (and your move).

Monthly Payments Are Coming Down

One of the clearest signs of this shift is in monthly payments. The latest data from Redfin shows mortgage payments on a median-priced home are now $283 lower than they were just a few months ago (see graph below):

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What's in the October 2025 Bend Premier Newsletter?

• Lower Mortgage Rates are Making a Difference
• Pumpkin Pancakes
• Get Spooky While Saving: Budget-Friendly Halloween Decor Ideas
• Carl Lake is a Little Known Hike
• 3 Advantages of Buying a Newly Built Home Today

Lower Mortgage Interest Rates Are Making a Difference for Bend Home Sales

For many Bend real estate brokers, the first half of 2025 had mixed sales results. Home prices moderated, and inventory levels increased. With more homes on the market, buyers had more choices. However, high mortgage interest rates kept many would-be home buyers off the market. Home sales proceeded through the summer at a relatively lower pace than was typical for Central Oregon.

However, the market changed in September. In the beginning of September, mortgage rates dropped below 6.5%. This coupled with more motivation from

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If you've been watching from the sidelines, now's the time to lean in. It's officially the best time to buy this year. According to Realtor.com, this October will have the most buyer-friendly conditions of any month in 2025:

"By mid-October, buyers across much of the country may finally find the combination of inventory, pricing, and negotiating power they've been waiting for—a rare opportunity in a market that has been tight for most of the past decade."

So, if you're ready and able to buy right now, shooting for this month means you should see:

• More homes to choose from
• Less competition from other buyers
• More time to browse
• Better home prices
• Sellers who are more willing to negotiate

Just remember, every market i...

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