For the last few years, many buyers have been told the same thing: wait for interest rates to come down. It’s understandable advice — but the Federal Reserve’s most recent projections suggest that strategy may no longer align with reality. The Fed is now signaling a very slow path forward, with only one interest rate cut projected for all of 2026. That single data point changes the entire conversation about timing, opportunity, and risk — especially for buyers. A Divided Fed,

Home prices are still higher than last year, but the pace of growth has slowed. Two major reports show small month-to-month softening, yet year-over-year values continue to rise. If mortgage rates keep easing, buyer demand could strengthen again — and that may push prices higher going into 2026. Here’s what this means for you as a buyer: Prices are still higher than last year, so homes are holding their value. But the rate of increase has slowed, which gives you a little more

Mortgage rates just dropped again — the 30-year fixed is now averaging 6.17%, the lowest we’ve seen in over a year. The 15-year fixed also dipped to 5.41%. The good news: More homeowners are taking advantage of this opportunity to refinance and lower their monthly payments. The catch: After the Federal Reserve’s meeting this week, daily rates started to rise slightly following comments from Fed Chair Jerome Powell suggesting another rate cut in December isn’t guaranteed. Even

There’s exciting news in the real estate world — and it’s especially good for Hawai‘i homebuyers. Fannie Mae now allows borrowers to include rental income from an Accessory Dwelling Unit (ADU) when calculating qualifying income. That means if you’re looking to purchase a home with an ohana unit, guest cottage, or studio space that can be rented out, that potential rental income could help you qualify for a larger loan — and maybe even make your dream home more attainable. Wha

Many local homeowners are holding tight to their homes — and it’s easy to see why. Those who locked in low 3–4% mortgage rates during the pandemic aren’t eager to give them up for today’s mid-6% rates. This “golden handcuffs” effect is keeping inventory low across the islands. Homes that would normally come back on the market are staying off, making it harder for new buyers to find options and keeping prices steady. Here in Hawai‘i, that means fewer listings, strong demand, a

The Hawai‘i real estate market is moving into a fresh, more confident phase. Sales are rising, inventory is expanding, and prices remain steady — signs of a market that’s finding its natural rhythm again. Buyers are becoming more intentional, focusing on homes that fit their lifestyle and long-term goals. Sellers are also adjusting, setting realistic prices that reflect today’s true market value. Together, it’s creating a healthy balance that benefits everyone. Even with smal

In real estate, communication can make or break a transaction. We spend our days negotiating, collaborating, and problem-solving — but every so often, you come across a tone that makes you pause. A text, an email, or a comment that begins with “It’s quite simple…” or “You should already know this.” Patronizing. Dismissive. And completely unnecessary. Where Does It Come From? Over time, I’ve realized this kind of tone usually says more about the person using it than the one re