More Fed Rate Hikes Coming — What California Buyers Should Do Now

With two more Fed rate increases expected before year-end, California homebuyers and refinancers need a clear strategy to navigate rising borrowing costs.

If you've been watching the headlines, you already know the Federal Reserve isn't done raising rates yet. Based on current economic signals, two additional hikes are still on the table before the end of the year — and there's even a chance that may not be enough to fully cool inflation.

For California homebuyers and homeowners, this isn't the time to panic — but it is the time to act strategically.

Here's what I tell my clients: rising rates don't mean the market is broken. Markets move in cycles, and volatility is a normal part of the process. What matters most right now is locking in the best rate you can qualify for before further increases take effect.

If you're on the fence about buying, consider this — waiting for rates to drop could mean competing with a wave of buyers the moment they do. And if you're holding an adjustable-rate mortgage, now is a great time to review your options before your rate resets higher.

The bottom line: don't let uncertainty keep you on the sidelines. A well-structured loan today can still be a smart financial move.

Ready to review your options? Contact our team today for a free rate consultation and let's build a strategy that works for your situation.