10/10/2026
The masses are scared. Prepared buyers can be bold. Warren Buffett said it: "Be fearful when others are greedy and be greedy when others are fearful." Right now, buyers are fearful. Par on a conventional loan is 7.75%, and a lot of people have stopped looking. That fear is creating opportunity here in Davis County. There are 1,091 homes for sale this week, the most all year. Sellers are cutting prices. And buyers who show up ready have room to negotiate on price, on closing costs, on repairs, and even on a seller-paid rate buydown. Here's my honest advice. If you're pre-approved, your income is steady, and you've got your ducks in a row, this may be the moment to pull the trigger. Wealth is rarely built by following the crowd. It's built by the person who steps forward when everyone else steps back. Not ready yet? Get ready. Talk to a lender this week and compare your options: conventional, FHA, VA, or a buydown. When rates come down, the crowd comes back, and so do the bidding wars. So which one are you? Still waiting, or ready to move? Tell me in the comments. Questions? Ask me. Text 801-755-1882 for a no-pressure buyer game plan. Follow for more tips from Utah Todd, your local real estate professional.