Yesterday, the Federal Reserve lowered its key interest rate by ¼%, just as most people expected. Normally, that kind of move makes borrowing cheaper. But this time, mortgage rates actually went up.

Earlier in the week, mortgage rates had fallen to some of the lowest levels we’ve seen in years. Then, after the Fed’s press conference, they jumped again. This has now happened several times in a row: the Fed announces a rate cut → the market hopes for more → and mortgage rates end up climbing instead.

 

Why Mortgage Rates Rose After a Fed Cut

The Fed doesn’t directly set mortgage rates. Its short-term rate influences things like credit cards and car loans, but mortgage rates move based on what investors expect from the economy.

When…

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If you’ve been watching the housing market in Placer County, you may have noticed a shift. Over the past 12 months, the number of expired and cancelled home listings has increased by 45% compared to the previous year.

That means more homes in communities like Rocklin, Auburn, and Lincoln are sitting on the market without selling — and for many homeowners, that can be frustrating and costly.

So why is this happening, and how can you make sure your home doesn’t end up on that list?

What the Data Tells Us

Here’s a closer look at how expired and cancelled listings have trended over the past year in Placer County.

 

 Over the past 12 months, expired and cancelled listings have climbed 45%, showing that even in a desirable area like Placer…

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As the year winds down, a lot of local homeowners start looking at their finances and thinking about how to make smart moves before December 31.
For many, real estate isn’t just about where you live — it can also play a big role in your overall financial picture.

Here are a few time-sensitive strategies worth discussing with your tax professional if you own a home in the greater Placer County area.

 1. Mortgage Interest & Property Tax Payments

Mortgage interest and property taxes are often two of the biggest deductions for homeowners.
Making your January mortgage payment before Dec 31 or paying your property taxes early can sometimes boost your deductible total for this year’s return.
(Always confirm with your CPA or tax advisor.)

2.…

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As fall settles in across Placer County, the local housing market is showing a steady, healthy pace. Inventory remains higher than last year, buyer activity is strong, and prices have softened slightly, creating more balance between buyers and sellers.

This early-fall shift is opening opportunities on both sides of the market.

Market Activity

  • Active Listings: Up 17.3% year-over-year (slightly down 2.9% from August)

  • Pending Sales: Up 6.3% month-over-month and 22.8% year-over-year

  • Closed Sales: Up 25.6% compared to last year

What this means: More homes on the market combined with continued buyer demand is keeping the Placer County real estate market active. It’s still a seller’s market, but with more breathing…

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Fall has officially arrived in Placer County, and there’s no better way to celebrate than with a trip to a local pumpkin patch. Whether you’re searching for the perfect pumpkin, planning family photos, or just looking for a fun day out, there are plenty of great spots to explore this season.

Below, we’ve rounded up some of the top pumpkin patches in Placer County and nearby areas where you can enjoy hayrides, corn mazes, farm animals, and fall memories.

Fowler Ranch Pumpkin Patch – Lincoln

A local favorite with a rustic ranch setting, pumpkins of all shapes and sizes, and family-friendly activities that capture the spirit of fall.
Visit Fowler Ranch

Horton Farm Pumpkin Patch – Loomis

A Loomis tradition! Known for its welcoming…

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