A local rate perk for Sacramento buyers (Happy Halloween!) | October 2026

Welcome to the Week 5 edition, and Happy Halloween! 🎃

🏡 Golden 1 members, this one's for you.

While national 30-year mortgage rates are hovering around 7.25% to 7.5%, local credit unions like Golden 1 have recently posted fixed rates below that national average (by roughly 0.375% to 0.625% as of this writing).

Why does this matter for your bottom line?

On a $500,000 home loan, even those fractions of a percent difference in your rate can save you about $100 to $200 every single month. That adds up to serious purchasing power—especially in today’s quieter market where sellers are eager for solid offers.

If you’re considering a move or already a Golden 1 member, here is your game plan:

• Math first: Get pre-approved so you know your comfortable monthly payment before stepping foot inside a home.

• Compare Loan Estimates: Always look at the overall loan terms and points, not just the headline rate.

• Capitalize on the quiet market: Today’s market environment means less buyer competition and significantly more room to negotiate price and seller credits.

Know someone thinking about buying in Sacramento, Elk Grove, Folsom, or Roseville? Reply directly to this email or call me at (916) 205-5923. I’d be happy to connect you with trusted local lenders to run your exact numbers! 📊

Golden 1 membership note: Membership is open to anyone who lives or works in California with a basic savings account ($1 minimum deposit).

See everyone in November!