Capital Home Loans

Rates have been holding pretty steady in the mid-6% range lately, give or take depending on the day 📊

It’s not what buyers were used to a few years ago, but we’re seeing more people adjust and move forward when the numbers make sense.

It’s also worth noting ➡️ rates this time last year were over a point higher than they are today. And while the 2–4% range felt normal for a while, that was actually a pretty rare window historically.

What we’re seeing right now:
• Seller concessions are back in play more often
• More conversations around different loan programs
• Buyers focusing on monthly payment over rate
• More flexibility than people expect

It’s not about timing the market perfectly - it’s about putting the right plan together.

*Rates and loan programs vary based on credit, loan type, and individual qualifications.

If today brings luck, we’ll take it ☘️
If it brings the right house… even better 😉

Happy St. Patrick’s Day!