VOLUME 25 EDITION 1 August 4, 2026 | |
YOUR LOCAL REAL ESTATE EXPERT.
ALL YOU NEED TO KNOW IN ONE SPOT…FINANCING, REFINANCING, HELOC’S, BUYING & SELLING
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WHEN WILL MORTGAGE RATES GO BACK DOWN?
Significant drops in mortgage rates are not expected soon, with 30-year fixed rates hovering around 6.55% and major housing forecasts from Fannie Mae projecting rates to stay near the 6.2% to 6.4% range through late 2026 and 2027.
Key Factors Impacting Rates
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Federal Reserve Policy: The central bank has kept the federal funds rate on hold amid stubborn inflation tied to energy and global supply pressures, pausing further rate cuts. [1, 2]
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10-Year Treasury Yields: Mortgage rates closely track the 10-year Treasury yield, which remains elevated above 4.5% due to persistent market caution. [1]
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Inflation and Geopolitical Tensions: Ongoing energy price fluctuations and international conflicts have kept bond markets volatile, preventing rapid rate improvements
Why Rates Aren’t Falling This Autumn
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Stubborn Inflation: The Federal Reserve has held its benchmark rate steady because inflation remains well above its 2% target. [1, 2, 3]
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Geopolitical Pressures: Renewed geopolitical conflicts have driven energy and oil prices higher. This volatility forces bond yields up, keeping mortgage rates high. []
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Delayed Relief: Economists have pushed meaningful rate drops out into 2027, when rates are finally expected to ease closer to 6.2% or lower. [1, 2, 3]
If you plan to buy or refinance soon, I can calculate how much a temporary or permanent rate buydown would cost, or help you compare 15-year fixed loan options to see if the math makes sense for your budget. Let me know what you would like to look into and Im here to provide a customized quote based on your financial goals.
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Dont Forget… B Squared Funding is a one stop shop…both your favorite mortgage broker and realtor. Everything in one place and one point of contact. Shopping and financing made easy!
B
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Is Now a Good Time to Buy in
LA County, Orange County, or the Coachella Valley?
1. Coachella Valley: The Best Opportunity for Buyers
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The Case for Buying Now: The desert is seeing a healthy “normalization”. With roughly 5.6 months of housing supply and seasonal late-summer inventory dips, sellers in the $800k–$3M range are increasingly willing to negotiate on price adjustments, repairs, or rate buydowns.
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The Catch: Attached homes (condos) are still seeing price increases due to entry-level demand.
2. Los Angeles: Slowing Down and Stabilizing
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The Case for Buying Now: Price growth has finally flattened out (−0.1% year-over-year). Homes are averaging 51 days on the market, meaning you no longer have to rush into a frantic bidding war the weekend a house lists.
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The Catch: Affordability is incredibly tight with mid-6% mortgage rates. Sellers with pandemic-era 3% rates are refusing to move, keeping the overall selection of homes relatively low.
3. Orange County: Highly Competitive and Expensive
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The Case for Buying Now: Only buy if you find a perfect property and intend to hold it long-term. Nearly 25% of active listings have seen minor price reductions recently, meaning highly overpriced homes are hitting a ceiling.
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The Catch: It remains a brutal market for buyers. Turnaround is fast, inventory is locked up, and well-priced homes still frequently close at or above list price.
The Bottom Line
If your goal is negotiating power, look seriously at the Coachella Valley right now. If you are looking in LA or OC, you will face steep prices and stiff competition, making it critical to secure a flexible lender who will allow you to refinance smoothly if rates ease closer to 2027. I am that lender..refinancing after a purchase with me is always seemless, easier than a purchase since I have the majority of your documents securely stored.
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Your tttttttshould address 3 key questimons: Who am I writing for (audience)? Why Need to tap into your homes equity but you already have a great rate from years ago and dont want to lose that low rate?
Ask me about a HELOC!
Put your homes equity to use and pay off higher rate credit cards, home improvement, or what ever need you may have.
A fast, easy way to use your equity without refinancing your existing mortgage!
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The Orange County Fair
Running through August 16, 2026, at the OC Fair & Event Center in Costa Mesa. (the OC Fairgrounds)
Features carnival rides, food, and live concerts at The Pacific Amphitheatre
Hours
July 17-Aug. 16
Wednesday, Thursday, Sunday: 11 a.m. – 11 p.m.
Friday & Saturday: 11 a.m. – midnight
Admission prices
$13 general admission on Wednesday & Thursday
$18 general admission on Friday, Saturday & Sunday
$10 seniors 65+
$9 kids 6-12 every day
Free for kids 5 and younger
Tickets on sale now!
• Limited daily attendance
• Advance ticket purchase required
• Fair dates will sell out – don’t arrive without tickets
GET TICKETS HERE…BEFORE YOU GO
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PALM SPRINGS AND
THE COACHELLA VALLEY
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SPLASH HOUSE
August 7-9 & 14-16
Summer in Greater Palm Springs
Summer in Greater Palm Springs invites you to play for days with poolside afternoons, late-night swims, blissful spas, vibrant dining, and sunshine that seems to last forever. Ride waves at the surf club, soar above the desert floor on a scenic tram ride, feed giraffes and rhinos, tee off on championship golf courses, and toast to warm nights beneath starlit skies.
Whether you’re planning a romantic escape, family getaway, or friends trip, it’s the perfect place to rediscover the carefree, joyful spirit of summer and make lifelong memories together. From resorts and hotels to unique mid-century modern vacation rentals, Greater Palm Springs offers travelers a stay designed for every style of summer getaway. Explore summer offers on hotels, spas, dining, and more and start planning your next trip.
CLICK HERE FOR LIST OF EVENTS
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1100 E 3rd Ste #204
Long Beach, CA 90802
949 378 0829
949 949babak@bsquaredfunding.com
CA DRE BRKR#01311838 NMLS 240028
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