When Timing Matters Most: How to Make the Most of a Changing Market

If you’ve been waiting for the right moment to buy or refinance your home, you’re not alone. Homebuyers and sellers across the country are always trying to “time the market” — to find that sweet spot when rates and prices align just right.

Recently, there’s been good news on that front: the Federal Reserve announced in September a 0.25% rate cut and another rate cut to take place in December.

“What this has the potential to do is further open the market, especially for first-time buyers,” said Tonya Froerer, Senior Vice President at Goldenwest Credit Union. “It positions a lot of individuals for valuable opportunities, which is why now is more important than ever to see what may be available, and talk with an expert about next steps.”

With rates softening and more options available, fall could be the perfect time to explore your next move. Here are a few programs and tools that can make your homebuying journey smoother — all available through Goldenwest Credit Union.

Free-Fi: Refinance at No Cost Within Three Years

Few things are more frustrating than buying your home and then seeing rates drop shortly after. That’s why we created Free-Fi — a member-favorite program that lets you refinance at no cost within three years of your purchase or refinance.

Eligible members who make six on-time payments can refinance with no lender fees, giving you peace of mind if rates continue to shift. Learn more or apply at gwcu.org.

Mortgage Experts After-Hours: Help When You Need It

Buying a home can be overwhelming — especially when your questions come up outside regular business hours. To make things easier, Goldenwest launched Mortgage Experts After-Hours, a program that connects members with specialists anytime, including evenings, weekends, and holidays.

Just call 801-786-8400 to be paired with a mortgage expert who can answer questions, help you explore loan options, or even start your application.

The Bottom Line

Market conditions change, but having the right partner can make all the difference. Whether you’re buying, building, or refinancing, we offer programs and expertise designed to help you reach your homeownership goals confidently.

Goldenwest offers a full suite of mortgage products, including:

• Conventional and Adjustable-Rate Mortgages
• FHA, VA, and USDA loans
• Construction and Lot loans
• First-time Homebuyer programs
• Jumbo and Investment Property loans
• Reverse Mortgages

With over a dozen Best of State awards and a commitment to personalized service, Mortgage Experts are ready to help you every step of the way.

Ready to take the next step? Schedule an appointment with a Goldenwest Mortgage Expert today!