From the desk of Drake Beaulieu, Lincoln Lending,
This is the window buyers have been waiting for. More affordability, more buying power, and a chance to secure the best terms we’ve seen all year. September 17 and December 10th are the next two FOMC meetings where the FED will decide to lower rates even more.
Did you know rates hit a 10-month low this month! The 30-year fixed dropped to 6.56%, the most affordable level since early 2025.
ARMs gaining traction. With the Fed expected to cut rates, ARMs could fall closer to 5.5%, giving buyers an edge.
📊 Market Snapshot (This Week)
30-Year Fixed Avg: 6.56% (lowest of 2025)
15-Year Fixed Avg: 5.98%
5/6 ARM Avg: 5.75%
Buyer’s Corner — September Advantage
✅ Rates are at 2025 lows → more home for your budget.
✅ Seller credits remain common → cover buydowns + closing costs.
✅ Stack strategies → pair an ARM with a 2-1 buydown for the lowest short-term payment.
Summary
Rates are the lowest they’ve been all year — you have more buying power today than last month.
💡 ARMs are saving buyers $300–$500/month right now — a smart bridge until rates fall.
🏡 Seller credits are back. We can use them to buy down your rate or cover closing costs.
⏳ A 2-1 buydown + ARM can make your first-year payment feel like 2021 again.
🔑 Even if you refinance later, the key is getting into the home now with lower upfront costs.
FAQ of the week
Q: Should I wait until 2026?
👉 Waiting could mean higher home prices. Buying now with today’s low rates + seller credits = stronger position.
Q: What if I don’t qualify today?
👉 We can pre-plan: credit tune-up, income strategy, and a roadmap to qualify in 3–6 months.
Are you considering financing a home? Our team has been referring clients to talk with Drake for over 6 years with confidence. Drake can do things most lenders cannot, and his team gets it done quickly and efficiently. It’s always good to get a second opinion from a seasoned expert. Give Drake at Lincoln a call if you are thinking about buying.
