10/12/2026
Mortgage Rates Aren’t Backing Down Yet
Mortgage rates are still holding steady near 7% as we head toward year-end—a reality many buyers, sellers, and investors in Bothell are feeling right now. With inflation proving stubborn and the possibility of another Fed hike on the horizon, I’m watching closely to see if mortgage costs will edge even higher. The gap in mortgage-backed securities spreads isn’t helping either, adding extra pressure to borrowing rates.
After more than 20 years helping people find their place in this community, I’ve learned that planning around today’s rates is the smartest move—treating any future rate relief as a bonus, not a guarantee. A real drop will likely require more progress on inflation, steadier long-term yields, and a more supportive stance from the Fed. Until then, I’m here to explain what this means for your next chapter, whether you’re buying, investing, or refinancing. Real estate is about adapting together—and that’s what I love most about this work.