Buying before 2026? These are 3 things to pay attention to

Every 0.25% change in rates ≈ $17/month per $100K financed.

Scale it up or down, it works at any price point.

Which is why we’ll be watching the Fed’s September 17 announcement so closely.

If you want to buy before the end of the year, here’s what I’d pay attention to:

Rate spread: The gap between mortgage rates and the 10-year Treasury. If you see the spread shrinking week-over-week, ask your lender about timing a lock.

Inventory: While there isn’t much variation in active listings in Hingham, the days on market have increased from last year to this. That said, other towns like Weymouth are experiencing an increase in listing activity—work with your agent to understand the town-by-town details and where opportunities may be opening up.

Price Reductions: Roughly 1 in 5 listings has a price cut. Watch homes that have been on the market for 30+ days—could be worth a lower-priced offer or asking for concessions.