As the Federal Reserve begins trimming interest rates, many homeowners are starting to pay attention — wondering if now might finally be the time to make their move.But here’s the twist: the savviest sellers aren’t waiting for the next rate cut. They’re preparing now. Why? Because once rates fall fu

A mortgage buy-down is a way to reduce your interest rate — and lower your monthly payment — by paying money upfront at closing. Types of Buy-Downs Temporary Buy-Downs (like 2-1 or 3-2-1): Start with a lower rate for the first few years before adjusting to the full rate. Permanent Buy-Downs: You pay