Should You Sell Before the Fed Cuts Rates?

With the Fed signaling possible rate cuts in late 2025, many San Diego homeowners are asking: Should I sell now or wait?

Let’s break it down 👇

What Happens When Rates Drop

When mortgage rates fall:

• Buyer demand surges.

• Home prices typically rise.

• Days on market shrink.

That means if you wait until rates drop, you’ll compete with more listings and more buyers — but also potentially capture higher sale prices.

Why Selling Before the Cuts Can Pay Off

• Less competition: Inventory remains historically low in San Diego.

• Serious buyers are still active: Even at 6–7% rates, motivated buyers are using rate-buydown programs.

• You can negotiate better terms: Fewer multiple-offer situations.

Smart Strategy

If your next purchase depends on selling first, it might be wiser to list now and buy before prices climb again post-cut. You can always refinance later when rates drop.

📈 Bottom line: The best time to sell isn’t when rates drop — it’s right before the market heats up. Get ahead of the curve and position your home for top dollar.