Looking ahead through 2028, experts predict that the 30-year fixed mortgage rate will hover in the mid-6% range. This means we’re unlikely to see dramatic rate drops, so buyers and sellers may want to plan accordingly. At the same time, home prices are expected to rise modestly—good news for those who value steady growth. With more inventory on the market, competition should ease a bit, making the process less stressful for everyone involved. As for refinancing, the potential benefits are limited unless you need to switch loan types or tap into your home’s equity. As someone who’s spent two decades helping York County families and investors navigate these market changes, I know how important it is to have a clear plan and the latest information. My approach is always rooted in honest advice and creative solutions, whether you’re buying your first home, selling, or exploring investment possibilities. Let’s make your next real estate move as smooth as possible—knowledge is your best tool in this shifting market.
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