10/16/2026
Mortgage rates just hit their highest level in about three years — and everyone’s panicking. Here’s what nobody’s telling you.
Yes, rates are up. But look at what else is true: inventory is up, homes are sitting longer, and sellers are negotiating again.
Price cuts. Closing cost credits. Even paying to buy down your rate.
Two years ago you’d have fought fifteen offers over asking for the same house. Today, you have leverage.
You can’t negotiate your rate with the Fed. You CAN negotiate everything else — if you buy when everyone’s scared.
Buy the leverage. Refinance the rate later.
Want to know what sellers are actually giving up right now? Comment ‘LEVERAGE.’