10/13/2026
🤔 Mortgage rates at 7.40%—could there still be an opportunity for San Francisco homebuyers? 👇
Higher rates make borrowing more expensive. But when competition eases, some sellers may be more open to negotiating the price or offering credits toward your costs.
In San Francisco, that depends on the neighborhood, property, and demand. A desirable home can still attract multiple offers.
When an opportunity exists, I can help negotiate seller credits and work with your lender to explore using them toward closing costs or discount points that lower your mortgage rate, subject to loan limits and approval.
The goal? A purchase price and monthly payment that work for you.
Message me to explore your San Francisco homebuying options.
Source: Freddie Mac, October 8, 2026. The 7.40% figure is the national 30-year fixed average; your rate, including jumbo financing, may differ.
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