Interest Rates, Inventory, and Opportunity Aligned
According to the National Association of Realtors, more than 7 million buyers have been sitting on the sidelines, waiting for interest rates to drop into the fives. That moment has now arrived.
Through our partners at Moxie Mortgage, qualified buyers can secure a 30-year conventional mortgage between 5.6% and 5.8% (as of September 18, depending on the property, use, and qualifications). This is exactly what buyers across the country have been anticipating—and they are beginning to respond.
Mortgage applications are already up 30%, signaling that buyers are re-entering the market. If you wait until the rush is in full swing, you may find yourself competing in multiple-offer situations and bidding wars. That could cost you anywhere from $5,000 to $50,000 more in purchase price. Acting now allows you to take advantage of the leverage buyers currently hold. With inventory up 17% year-over-year, you have more choices and more negotiating
power, sometimes purchasing $20,000–$50,000 below list price.
It’s not just buyers moving—refinance applications are up 70% from last year. If you’ve been considering refinancing, this may be your best opportunity in years. Our team can connect you with Moxie Mortgage to review your options and maximize your savings.
At The Hawai‘i Team, we offer more than real estate expertise—we’re your full-service resource. We can help you purchase the right property, finance it with trusted partners, remodel it to fit your vision, and manage it seamlessly through our luxury property management company, Big Island Stays.
This unique moment won’t last. The alignment of lower rates, higher inventory, and limited competition has created a rare buying window. Now is the time to take advantage before the rest of the market floods back in. Contact The Hawai‘i Team today to secure the property you’ve been waiting for—at the right
price, with the right terms, and the right support every step of the way.
