Tuesday Market Insight – December 9th

This week, buyers across Chico, Oroville, Paradise, San Diego, Chula Vista, and the greater Northern & Southern California markets are seeing more stability in mortgage rates. With inflation improving, buyers planning for early 2026 have a clearer path toward budgeting and estimating monthly payments.

First-time homebuyers especially benefit from calmer markets like this. With programs such as down payment assistance, credit-strengthening strategies, and flexible loan options, the path to homeownership can be more accessible than many expect.

December is historically a quieter season, meaning less buyer competition and more opportunities to negotiate. If you’re thinking about starting the pre-approval process, this is the perfect time to understand your numbers and create a personalized plan.