The Changing Market Landscape This Fall
For FSBO (For Sale By Owner) sellers, this matters because demand is your fuel. If financing becomes cheaper, more buyers may be out searching—and with the right exposure through a flat fee MLS listing, you can tap into that energy without paying traditional commissions. For buyers, a more affordable rate could mean stretching your budget further, especially when paired with HomeRise's cost-effective, tech-forward agent services.
How Federal Rate Decisions Affect Real Estate
The Federal Reserve doesn't set mortgage rates directly, but it influences them through the federal funds rate. When that rate drops, borrowing across the economy often becomes cheaper, and mortgage lenders may follow suit.
Historically, even a small decrease in rates has made a difference in how quickly homes sell and how much buyers can afford. That's why sellers and buyers who are ready—or almost ready—should pay attention to the September meeting.
Why September Is on Everyone's Radar
Financial heavyweights like J.P. Morgan and Goldman Sachs have updated their forecasts, now expecting the Fed to start cutting rates as early as September. Many believe a quarter-point cut could be the first in a series aimed at stimulating the economy.
Market Intelligence
Market pricing supports this view. Platforms like the Polymarket Fed Rates dashboard are showing strong probabilities that a September cut will happen. These numbers shift with new economic data, but the current odds are high enough to warrant attention from anyone making real estate decisions in the coming months.
For FSBO Sellers
Timing and exposure are key. A rate cut can bring more buyers into play, which means more eyes on your listing and potentially faster offers.
For Buyers
Lower rates mean more buying power. Even a small rate drop can save you thousands over the life of your loan.
For FSBO Sellers: Timing and Exposure Are Key
If you're selling your home without an agent, the market's momentum is especially important. A rate cut can bring more buyers into play, which means more eyes on your listing and potentially faster offers. By listing on the MLS with HomeRise's flat fee service, your property appears alongside agent-listed homes in the same search results buyers are using—without the 5–6% commission.
Even if rates don't change, positioning your property on the MLS now means you're visible when the fall market picks up. If a cut happens, you'll already be in front of motivated buyers instead of rushing to list later.
For Buyers: Affordable Financing Meets Modern Representation
If rates drop, monthly payments on the same loan amount shrink, giving you more room in your budget. On a $350,000 mortgage, a 0.25% rate drop can save you $35–45 a month—or over $12,000 across 30 years. That's real money you could put toward renovations, furnishings, or simply keeping your monthly expenses lower.
HomeRise offers a modern, streamlined way to buy—combining the personalized guidance of an experienced agent with tech-enabled tools that make the process faster and more transparent. Best of all, our cost-effective commission model means you keep more of your money for what matters most to you.
Should You Act Now or Wait?
For sellers, waiting could mean hitting the market just as more buyers arrive, but it also risks missing the early movers who want to lock in before competition rises. For buyers, holding off could bring lower rates—but also more bidding wars.
The smartest move is to get your ducks in a row now. Sellers can prepare their MLS listing, professional photos, and property details ahead of time. Buyers can get pre-approved, set search alerts, and be ready to move quickly if the right home appears.
How HomeRise Puts You in Control
HomeRise is built for people who want results without the outdated costs. For FSBO sellers, our flat fee MLS listings get you maximum exposure for a fraction of the price. For buyers, our modern representation model gives you expert guidance and the potential for rebates.
When market conditions change—as they could in September—the people who save the most are the ones who combine smart timing with a smarter business model. That's exactly what we offer.
Get Started with HomeRiseThe Takeaway
The September Fed meeting could be the start of a new chapter in the housing market. A rate cut may boost buyer activity and reshape affordability in ways that matter to both sellers and buyers. For FSBO sellers, this is the moment to ensure your home is on the MLS and ready to attract serious offers. For buyers, it's a chance to lock in lower costs with the support of a cost-effective, modern agent.
Keep an eye on the Polymarket Fed Rates dashboard for real-time updates, and start positioning yourself now. With HomeRise, you'll be ready to act—and ready to save—whichever way the market turns.
