If you’ve been waiting on the sidelines, it might be time to jump back in (strategically). Let’s break down how smart buyers are making it work.

Mortgage rates just dipped to 5.99%, the lowest since 2022. This shift could reshape affordability, demand, and monthly payments across the Sacramento and Elk Grove real estate markets. Here’s what it means for buyers, sellers, and homeowners right now.

But don’t panic! Understanding how rates impact your budget can help you make smarter choices and even find hidden opportunities.

Let’s dive into what’s happening in real estate this year and how you can make the most of it, no matter which side of the market you’re on.