09/17/2026
🏡 **THE FED JUST RAISED RATES — SHOULD YOU WAIT TO BUY OR SELL A HOME?**
Yesterday, the Federal Reserve increased its benchmark interest rate by **0.25%**.
Does that mean you should put your real estate plans on hold?
**Not necessarily. In fact, this may be the right time to start preparing.**
Mortgage rates don’t move exactly with the Fed rate, but changes in interest rates and financial markets can affect buyer affordability, monthly payments, and overall housing demand.
🔑 **IF YOU’RE THINKING ABOUT BUYING…**
Now is a good time to **start the pre-qualification process — even if you aren’t ready to buy tomorrow.**
Getting pre-qualified can help you:
âś… Understand how much home you can realistically afford
âś… See how different interest rates affect your monthly payment
âś… Identify credit or debt issues that could improve your buying power
âś… Compare Conventional, FHA, VA and other financing options
âś… Determine how much cash you may need for down payment and closing costs
âś… Be prepared to act when the right property comes on the market
âś… Strengthen your position when negotiating with a seller
Waiting for the “perfect rate” can sometimes mean missing the right house, the right price, or an opportunity to negotiate.
The better strategy is to **know your numbers and your options before you need to make a decision.**
🏠**IF YOU’RE THINKING ABOUT SELLING…**
Higher borrowing costs can make buyers more payment-conscious, which makes your **pricing and marketing strategy even more important.**
Before listing, consider:
✅ What are homes like yours actually selling for — not just listing for?
âś… How much competing inventory is currently available?
âś… How long are comparable homes staying on the market?
âś… What improvements or repairs will deliver the best return before listing?
âś… Should you consider buyer incentives, closing-cost assistance, or other strategies?
âś… What will your estimated **net proceeds** be after the sale?
âś… If you are purchasing another home, how will your sale and purchase be coordinated?
**The goal isn't simply to put your home on the market. The goal is to position it correctly so buyers see the value.**
đź“Ť **WHY WORK WITH RANDY TANGCO?**
Whether you’re buying or selling, I believe my job goes far beyond opening doors or putting a sign in the yard.
**For Sellers:**
I help you evaluate your property's market position, analyze comparable sales, develop a pricing and marketing strategy, prepare your home for the market, negotiate offers and concessions, manage inspections and contract milestones, and stay focused on your ultimate goal — **protecting your equity and getting you successfully to closing.**
**For Buyers:**
I help you understand the market, connect the purchase price to your actual budget, identify properties that fit your goals, evaluate comparable values, negotiate price and terms, coordinate with your lender, navigate inspections and contingencies, and advocate for your interests from the first showing through closing.
đź’¬ **Thinking about buying or selling? You don't have to make a commitment today. Start with a conversation.**
Let’s sit down and review your goals, your timeline, and the numbers so you can make an informed decision about your next move.
đź“ž **Call or Text Randy Tangco:** 405-247-0005
📧 **Email:** [email protected]
🏡 **Randy Tangco | Salt Real Estate**
**Know your options. Know your numbers. Have a strategy before you make your move.**
