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As 2025 comes to a close, savvy homebuyers are discovering that the final months of the year may offer more than holiday cheer—they could be the key to unlocking a great deal on a new home.
🏡 A Market Shift Worth Watching
Earlier this year, buyers and sellers were locked in a pricing standoff. But now, the market has matured. Sellers are more realistic, and buyers are regaining leverage. While inventory tends to tighten during the holidays, fewer active buyers means less competition—and more negotiating power.
💰 Motivated Sellers = Better Deals
Homes that linger on the market into November and December often belong to sellers who need to move. Whether it’s a job relocation or a new build closing soon, these sellers are serious. That urgency gives buyers room to negotiate on price, closing costs, or even interest rate buydowns.
📉 Mortgage Rates Are Easing
The 30-year fixed rate recently dipped below 6.2%, and lenders are eager to close deals before year-end. This can mean lower rates, reduced fees, and faster closings—especially for well-qualified buyers.
🧾 Year-End Tax Perks
Closing before December 31 could mean:
• Deducting mortgage interest and points paid
• Claiming property taxes paid at closing
• Taking advantage of increased SALT deduction caps
• Qualifying for energy-efficiency tax credits before they phase down
Always consult a CPA to see how these benefits apply to your situation.
✅ Tips for a Smooth Year-End Purchase
• Get pre-approved ASAP
• Be flexible with your home criteria
• Aim to be under contract by mid-November
• Prepare for slower holiday processing times
Bottom Line: If you’re ready to buy, the next few weeks could be your best chance to lock in a great deal, enjoy financial perks, and start 2026 in a new home.
📲 Ready to Make Your Move?
If you’re thinking about buying a home before the year ends, now is the time to act. I’m here to help you navigate the process, negotiate the best deal, and close with confidence.
👉 Let’s connect today to discuss your goals and create a personalized plan.
📅 Schedule a consultation
📞 Call or text me directly
Jane Kane
714-425-8500
📧 Email me to get started
Jane.kane@cbrealty.com
Don’t wait for spring—your best opportunity might be right now!
