10/29/2026
Yes, rates are higher. Yes, it’s the holidays. And yes, this might be one of the best times to buy.
Winter slows the market down, and fewer buyers means less competition and more room to negotiate: price, seller credits, repairs, even a rate buydown. If rates drop later, you can refinance. The price you paid is the one thing you can’t change.
In St. Louis right now, updated move-in ready homes are still getting multiple offers, but homes that need a little work are sitting and taking reductions. That’s where your leverage is.
Want to see what your numbers could look like? Send me a DM. No pressure