📉 Mortgage Rates September 2025: What Chico, CA Homebuyers Need to Know

One of the most important questions I get as a mortgage loan officer in Chico is: “Where are mortgage rates heading this month?”

📊 Mortgage Rates Update for September 2025

Rates have held steady most of the year, but with the Fed signaling possible adjustments this fall, many are expecting lower rates on the horizon. Even a quarter-percent drop could save hundreds of dollars a month on your payment.

🏡 Why Pre-Approval Matters

Getting a mortgage pre-approval in Chico, CA means you:

• Lock in your rate before changes

• Know your exact budget

• Shop with confidence knowing sellers take you seriously

🔄 Refinancing in September

Already a homeowner? This might be the right time to explore a refinance in Chico to lower your payment or free up cash.

✨ Tip: Don’t wait for the market to change before you act. Being prepared gives you the advantage.

📲 Call me today to discuss mortgage rates in Chico and see if buying or refinancing makes sense for you.