More homes are on the market and price growth has cooled. If you paused your search during the peak, you now have better selection and more room to negotiate clean terms in parts of Hillsborough and Pinellas. Watch our expert clip for timing and offer basics: Appraisal Rules by Loan Type (FHA, VA, Conventional) – Featuring Alex Macleod.
Inventory climbed across every region, which spreads out competition and gives you time to compare close comps by neighborhood and price tier.
Redfin Data Center — U.S. housing data
Work from the newest pendings and the best competing actives in your micro-area. If days on market are rising, target credits and rate options that reduce total monthly cost without weakening your position. For rate strategy and budget planning, read How a Fed Cut Could Move Your Mortgage Rate.
Ask your lender for side-by-side quotes comparing permanent points versus a 2-1 buydown and choose the path that meets your monthly target. Keep appraisal, inspection, and access logistics tight so the deal holds together.
