Key takeaway: Sellers are negotiating more, with homes selling on average for 6.3% below list price. Some are holding off until 2026, while others are offering concessions to close before winter.

Mortgage Trends

Big news from FHA: they now accept Vantage Score 4.0 in addition to FICO, potentially opening loans to 33 million more Americans with solid rental and utility payment history.

Rates are trending downward, boosting buyers’ purchase power by $25k–$50k compared to just a few months ago. If you’re pre-qualified, check with your lender — your budget may have just expanded.

The Humboldt County real estate market is holding steady as we head into fall 2025. Buyers are gaining more leverage thanks to lower rates, while sellers should be prepared to negotiate or offer concessions to stay competitive.

Catch all of the episodes on our YouTube channel. Each broadcast includes detailed commentary, market snapshots, and neighborhood features.

For mortgage support, home valuations, or to schedule a free consultation, contact Larson Home Loans or a local agent through Hyperion Humboldt Realty. We’re here to help you make informed moves.