Stop Watching the Fed! This Is What Actually Controls Your Mortgage

Описание: Are you waiting for mortgage rates to "crash" back to 3% before you buy or sell in Phoenix? It’s time for some tough love.

In this update, we dive into the Phoenix Metro real estate market as we head into 2026. Many people believe the Federal Reserve sets mortgage rates—but as the data shows, the Fed and mortgage interest rates aren't as linked as you think. We break down why the 10-year Treasury bond is the real benchmark you need to watch.

Using the latest data from the Cromford Report, we explore:

Housing Affordability in Maricopa County: Why family income is the real metric for home buying power.

The New Normal: Why rates in the 5s and 6s are here to stay and how to make the numbers work today.

Buyer Strategies: Where to find inventory under $500k in the Phoenix Metro area

Seller Outlook: Why listing in early 2026 might be your best move to beat the spring competition.

Local Market Shifts: Why Mesa and Tempe are hitting a seller’s market while Queen Creek remains a buyer’s market.

Stop trying to time the market based on headlines. If you want the raw, objective data for your specific Phoenix neighborhood, or need a referral to a top-tier agent outside of Arizona. Reach out to me directly!

💬 Question of the day: What are you seeing in your local market? Are buyers starting to jump back in? Let me know in the comments!"

📍 Contact Me: 602-315-3756
Start your own home search here: https://dennissadberry.expportal.com/