Why Right Now Could Be Your Moment — A Message from RJ Estate

Hey friends,

I know buying a home — or investing in property — can feel overwhelming right now. You may have been waiting, watching mortgage rates, home prices, wondering if the timing will ever make sense.

That’s exactly why I wanted to bring your attention to a recent article from Keeping Current Matters titled “3 Reasons Affordability Is Showing Signs of Improvement This Fall.” (KCM, Sept 22, 2025) 

As your partner in real estate, I believe these insights could be very encouraging for you — whether you’re buying your first home, upgrading, downsizing, or adding another investment in your portfolio. Here’s what stands out, and what it could mean for you.

What the Article Says — And Why You Should Care

KCM breaks down three key forces driving better affordability right now. Let’s walk through them — and I’ll pair them with what that means in real life for you.

1. 

Mortgage Rates Are Moderating

Earlier this year, rates were hovering around ~7 %. Today, they’ve backed down to about 6.3 % in many areas.  That kind of drop might not seem huge at first glance, but when you plug it into a 20‑ or 30‑year loan on a typical mortgage amount, it translates into savings of around $190 per month (or more) just due to rate changes. 

What that means for you: A lower rate means more buying power. That might move some homes into your reach that previously felt out of budget.

2. 

Home Price Growth Is Slowing (and in Some Markets Even Softening)

Housing prices aren’t skyrocketing the way they were in 2021–2022. KCM notes that price gains are now more “muted” — in many markets, only low single digits.  In some places, prices are flattening or even dipping slightly.

What that means for you: It’s easier to plan. You’re less likely to be outbid by someone inflating their offer “just to win.” You might find properties closer to your ideal price point.

3. 

Wages Are Rising Faster Than Home Prices (In Many Places)

According to data from the Bureau of Labor Statistics, average wages are up around 4 %.  Lawrence Yun, chief economist with the National Association of Realtors, points out that this wage growth is outpacing home price growth in many markets — which helps tilt the balance back toward buyers. 

What that means for you: Your income is gaining more “weight” in that affordability equation. In essence, your money goes further.

Why This Could Be 

Your

 Window to Buy or Invest

Putting those three levers together — lower rates, slower home price growth, stronger wages — the article argues that affordability is “showing signs of improvement this fall.” 

From my perspective as part of RJ Estate, this isn’t just theoretical. What it means for you is:

• More confidence in your budget. It’s easier to run scenarios and see which neighborhoods or property types you can afford.

• Better negotiating power. In a more balanced market, sellers often make more concessions (repairs, closing cost help, flexible timing).

• Opportunities to invest smartly. If you’re buying for rental income or long-term appreciation, the improved affordability could reduce your risk and improve your cash flow.

• Less “waiting remorse.” You won’t look back in a year wondering if you should’ve acted sooner (if the window starts closing again).

How RJ Estate Helps Turn Insights into Reality for You

I don’t just want to share market news — I want to make sure you can put it into action. Here’s how I’ll walk with you: