Is Now the Right Time to Buy a Home in Chico, CA?

If you’ve been wondering whether September 2025 is the right time to buy a home in Chico, CA, the answer might surprise you. With the real estate market shifting as summer turns to fall, buyers have unique opportunities right now. Let’s break down why this month is one of the best times to start your home buying journey in Chico and Butte County.

📉 Mortgage Rates September 2025

Mortgage rates are always a hot topic, and as of September, many experts are watching closely for potential rate drops later this fall. Even a small decrease can significantly reduce your monthly payment. That’s why getting a mortgage pre-approval in Chico, CA right now can put you ahead of the curve.

🏘️ More Inventory, Less Competition

During spring and summer, buyer demand is at its peak. But now that it’s September, families are back in school and the market slows down. That means:

• More homes available in Chico, Oroville, and Paradise, CA

• Fewer bidding wars

• Motivated sellers eager to close before the holidays

🎉 Move In Before the Holidays

Buying a home in September gives you time to:

• Get pre-approved for a home loan

• Shop for homes in Chico and surrounding areas

• Close before the holiday season

Imagine celebrating Thanksgiving or New Year’s in your new home!

🌱 Why Work With Julio Cobian

As a local mortgage loan officer in Chico, CA, I specialize in:

• First-time homebuyer programs

• Down payment assistance in California

• Customized home loan plans for low monthly payments

• Bilingual guidance (English & Spanish) so you feel confident every step of the way

I believe in more than just numbers—I help plant the seed for your future.