Posts from September 2025

There's a new divide in housing right now. In some states, buyers are gaining ground. In others, sellers still have the upper hand. It all depends on where you live. Curious what's happening in Oregon?

These 3 maps show how the split is playing out across the country. In each one:

• Darker Shades of Blue = Buyer friendly
• Lighter Shades of Blue = Seller strong

Inventory Sets the Stage

While the number of homes for sale has improved pretty much across the board, how much growth we've seen can look dramatically different based on where you live. And that impacts who has the leverage today.

This map uses data from Realtor.com to break it down:

• The darker shades of blue show where inventory has risen more than in other areas of the country. Buyers here have more to choose from and should have an easier time finding a...

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Take the Climbers' Trail to Reach Hayden Glacier

For Central Oregon hikers looking for something different that does not require a paid permit, the climbers' trail on Middle Sister is well worth it. Most hikers would start in the burned forest at the Pole Creek Trailhead located off forest service road 15 outside of Sisters (the parking at the trailhead requires $5 payment or a forest pass). After hiking the trail to the junction with Green Lakes Trail 17, trekkers continue on Trail 17 toward Park Meadow. Shortly after crossing Soap Creek is the junction with Camp Lake which hikers should take to reach the unmarked junction with the Climbers' Trail. If hikers miss this trail, it loops with another section of the Camp Lake trail near one of the branches of Wychus Creek which hikers to Camp Lake have to cross. Climbers don't cross the creek, but instead hike upstream toward Middle Sister. 

Regardless of the looped trail route chosen, they join on the moraine just under Hayden Glacier. Both are steep, difficult hikes with loose pumice and boulders to traverse. For those who plan on summiting Middle or North Sister, Hayden Glacier is just another geological feature to pass by before the summiting. For those not wishing to go further, the Cascade views from the glacier are amazing.

For those starting at the Pole Creek Trailhead and hiking to the glacier but no further, plan on a full day, climbing over 3100 feet and roughly 13 miles.

Mortgage rates are finally heading in the right direction – and buyers are starting to jump back in.

According to the data, buyer demand picked up considerably once mortgage rates hit a new low for 2025. The Mortgage Bankers Association (MBA) reports that applications for home loans were up 23% compared to the first week of September last year.

If you've been waiting to sell, or your listing recently expired because the market was slower than you hoped it would be, now's the time to reconsider your move. Buyer demand is the highest it's been since July – and you don't want to miss this window.

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The Federal Reserve (the Fed) meets this week, and expectations are high that they'll cut the Federal Funds Rate. But does that mean mortgage rates will drop? Let's clear up the confusion.

The Fed Doesn't Directly Set Mortgage Rates

Right now, all eyes are on the Fed. Most economists expect they'll cut the Federal Funds Rate at their mid-September meeting to try to head off a potential recession.

According to the CME FedWatch Tool, markets are already betting on it. There's virtually a 100% chance of a September cut. And based on what we know now, there's about a 92% chance it'll be a small cut (25 basis points) and an 8% chance it will be a bigger cut (50 basis points):

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Waiting for the perfect buyer to fall in love with your house? In today's market, that's usually not what's holding things up. And here's why.

Let's be real. Homes are taking a week longer to sell than they did a year ago. According to Realtor.com:

"Homes are also taking longer to sell. The typical home spent 60 days on the market in August, seven days longer than last year and now above pre-pandemic norms for the second consecutive month. This was the 17th straight month of year-over-year increases in time on market."

Part of that is because there are more homes on the market. So, with more options for buyers to choose from, they aren't getting snatched up quite as fast. But there's another big reason: price.

The Average List Price Isn't Going Up – and That Matters

Today, a lot of homeowners are overshooting their

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