Mandy Cook Fathom Realty

Being a Realtor goes far beyond transactions. It means educating, advising, and bringing years of hard earned knowledge to help people make confident real estate decisions.

In this business things, happen fast. Staying aware is imperative .

This is a Pro’s and Con’s look at the market. 

📉 Mortgage rates have edged lower, giving both buyers and sellers something to think about as we kick off 2026.

Here’s a pro/con breakdown to help you understand the current landscape.

📑✒️For Buyers: The Pros & Cons

✅ Pros
1. Lower rates = better buying power, you can afford more home with the same monthly budget.
2.Lower monthly payments improve overall affordability.
3.It can reduce your long-term interest expense over 15, 20 or 30 years.

❌ Cons
1. Rates are still higher than historical norms, which can squeeze budgets.
2. If inventory is low, buyers may still face competition and higher prices.
3. Waiting for rates to drop further could delay your purchase and prices might rise faster than rates fall.

🏠 For Sellers: What This Means

✅ Pros
1. More buyers qualify for loans now that rates have ticked down a bit which can mean stronger buyer demand.
2. Lower payments can bring more confidence for first-time buyers.

❌ Cons
1. Buyers may still be cautious if rates are perceived as “high,” potentially slowing offers compared to markets with historic lows.
2. Some buyers may continue waiting for even lower rates, which can slow negotiations.

🎯 The Bottom Line
Mortgage rates have moved lower recently, improving affordability compared to last week and especially compared to a year ago. Rates may edge down more through out the next few weeks.
That said, rates are fluctuating, so timing should always be balanced with your personal goals and market conditions foremost in mind.

The market is changing, and strategy matters more than ever.

🏡 If you’re considering buying or selling, reach outto me. Let’s build a plan that works for your goals.

☎️ Mandy Cook, REALTOR®
Fathom Realty | Empire Home Team

🚨🏡 Home for sale 🚨🏡 Home for sale 🚨🏡

🔥 BUYERS WANTED — OPPORTUNITY IS KNOCKING! 🔥
I have a fantastic property available right now, and this is the moment to make your move. Whether you’re a first-time homebuyer or someone who’s purchased before, this could be the opportunity you’ve been waiting for.

💰Need to know where to start? There are fantastic lenders in your local area who will help you figure out your buying power.

📉 Interest rates have dropped, giving buyers more purchasing power and better monthly payments, that means now is the time to act before competition heats up again.
If you’ve been sitting on the fence, wondering “Is now the right time?”
🗣️ Let’s talk. I’ll walk you through the process step-by-step, answer every question, and help you make a confident, informed decision.

🏡 Homes like this don’t stay available for long.
OK
📲 Message me today to get details or schedule a private showing.

Mandy Cook
Empire Home Team | Fathom Realty
806-395-1788

302 N Mackenzie Avenue, Stinnett, TX 79083 This beautiful traditional brick home is nestled in a quiet, well-maintained neighborhood where the gentle sound of church bells can be enjoyed. The expansive living room features a striking fireplace wall and a cozy alcove, perfect for a home office, game room, or intimate sitting area near the fir...