Mindblown: a blog about philosophy.

Autumn sees determined sellers open to negotiations, accepting lower prices in September through November. In winter, housing prices drop and reduced competition helps you find negotiable deals on your dream home.

Initiate discussions with lenders up to 120 days before renewal to compare rates and secure the best termsExplore options beyond your current lender to ensure you're getting the most competitive rate.

California home sales dropped to an annualized rate of 262,050, a 6.3% decrease from July. Median home prices reached $888,740, showing a 0.2% increase from the previous month.