Julius Williams Homes- Coldwell Banker

🚨 NEW LISTING: 24 Hampden St | West Springfield
✅ 3 Bedrooms | ✅ 1 Bath | ✅ 1,581 Sq Ft
Great layout, solid space, and timeless character — ready for its next owner to make it theirs.
📩 Want the full info packet + showing availability? Send me a message and I’ll get it right over.

📉 First-Time Homebuyer Rate Update (January 2026)
If you’re thinking about buying your first home, this is worth a look 👇
Current national averages are showing:
• FHA 30-yr fixed: ~6.12%
• VA 30-yr fixed: ~5.56%
• 15-yr fixed: ~5.38%
Why this matters for first-time buyers:
✔️ Lower payments than much of 2024–2025
✔️ FHA & VA programs are becoming more attractive again
✔️ Less competition than the frenzy years
Here’s the real talk:
You don’t need 3% rates to become a homeowner. You need the right loan program, smart budgeting, and a plan. Buyers who are prepared right now are negotiating and getting homes under contract.
If you’ve been renting and waiting for a sign — this is a meaningful shift.
📲 Thinking about buying your first home in Massachusetts this year? Let’s run real numbers and see what’s possible.

Today isn’t about real estate, contracts, or closings — it’s about gratitude.
I’m thankful for my family, for the people who support what I do, and for every person who has trusted me in their home-buying or home-selling journey this year.
However you’re spending this day, I hope it fills you with warmth, peace, and appreciation for the blessings in your life.
From my family to yours — Happy Thanksgiving. 🧡🍁🦃