What CAN You Be Doing?

You’ve probably noticed it—rates are up, down, and back again before you can even call your lender for the scoop! Just me? Ha. Man, who can keep up?

We had a stable March, but April and May? TOTAL bananas. And it’s enough to make even serious buyers pause. But here’s the deal: if you’re trying to “time” this market perfectly, you might be waiting a long time.

You can’t control the rates—but that doesn’t mean you’re powerless.

Here’s what you can do to get the best rate possible right now 👇

✅ Boost Your Credit Score
Even a 20-point bump can make a difference in your monthly payment. Better score = better deal, period. (Not sure where you stand? I know a great lender who can help you build a game plan.)

✅ Pick the Right Loan Type
FHA, VA, USDA, conventional—they’re all a little different. The right one for you can mean a better rate and lower costs over time.

✅ Be Strategic About Loan Term
A 15-year vs. 30-year mortgage can change your rate and monthly payment big time. Your lender should walk you through the real options, not just sell you a one-size-fits-all loan. Let me know if you need someone who’ll break it all down clearly.

I always say—focus on what you can control and build your home buying strategy around that.

And while mortgage rates are still moody, the Seabrook market is definitely still moving 🏡

Here’s what’s happening right here in our backyard.

📍SEABROOK, TX Market Snapshot – May 2025

• The median home price is $350,995, down 7.6% from last year
• We’ve got about 2.6 months of inventory, making this a buyer’s market—plenty of options, less competition
• Homes are sitting on the market for around 67 days, which means buyers have more time and sellers need to price wisely

Thinking about buying, selling, or just want to know where you stand? Let’s grab a coffee or an iced bevy. It’s summer after all!!! I’ll help you create a plan that works for your timeline and your goals, no pressure.

We’ve got this.

💌,
The Gems at Black Diamond Real Estate Group