#home buying plans

[brianwilder]

How a 1% Drop in Mortgage Rates Impacts Your Home Buying Plans

Mortgage rates have been a major talking point in the housing market lately due to their impact on affordability. If you’re planning to make a move, you’ve likely been waiting for rates to drop. Good news—recent trends suggest your patience might be paying off.

Mortgage Rates on the Decline

Recent economic reports, including updates on inflation, unemployment, and comments from the Federal Reserve, indicate a downward shift in mortgage rates. According to Freddie Mac, rates have recently decreased to levels we haven’t seen since February. Check out the graph below to see the trend for yourself:

You might be tempted to ride the wave and see just how low mortgage rates will go. However, it's important to keep some perspective. The record-low rates we saw during the pandemic are behind us. If you're hoping for a return to 3% mortgage rates, experts agree that it’s unlikely. As Greg McBride, Chief Financial Analyst at Bankrate, puts it:

“The hopes for lower interest rates need the reality check that 'lower' doesn't mean we're going back to 3% mortgage rates. . . the best we may be able to hope for over the next year is 5.5 to 6%.”

With recent drops in mortgage rates, you have a significant opportunity right now. It might be just the push you need to jump back into the market.

The Connection Between Rates and Demand

If you wait for rates to fall even further, you might face increased competition as other buyers also reignite their home searches.

In the housing market, mortgage rates and buyer demand are closely linked. Generally, higher rates lead to lower demand, while falling rates tend to boost it. As rates decrease, buyers who had paused their searches due to high rates will likely resume looking. Here’s what this means for you, as highlighted in a recent Bankrate article:

“If you’re ready to buy, now might be the time to strike. Home prices have been rising primarily because of a longstanding shortage of homes for sale. That’s unlikely to change, and if mortgage rates do fall below 6%, it’s possible buyers would enter the market en masse, further pushing up prices and resurrecting bidding wars.”

Bottom Line

If you’ve been waiting to make your move, the recent downward trend in mortgage rates may be enough to get you off the sidelines. Rates have hit their lowest point in months, and that gives you the opportunity to jump back in before all the other buyers do too.

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[jadewritesficshere]

Eddie x fem!reader (reader wears lingerie, no other descriptions of reader given except mentioning hitting that spot just right)

Contents: lingerie, both are a lil pervy tbh, humiliation, crying, praise kink, sub!Eddie, this is literally just horny ramblings

18+ only

It wasn't every day you came back to your house and your best friend had broken in. Maybe, every other week at best.

Usually, Eddie would be high eating your snacks (you were thinking about getting a lock for the cabinets). Or he would be watching whatever show you recorded and tease you about spoiling it (you threatened to use the VHS to beat him over the head and strangle him with the VHS ribbon if he did).

But, you had no clue Eddie was even in your house today. His van wasn't parked in your driveway when you came home. His shoes weren't in a haphazard pile at the front door. You had 0 clue he was there.

Not until you heard a thump coming from your bedroom. Which, your first thought went to the knickknacks you had that someone could be stealing (they wouldn't cause to a normal person it was junk but to you they were memories).

You grabbed a knife from the kitchen (you weren't gonna die without a fight, besides you learned a thing or two from the horror movies Eddie made you watch). You quietly pushed your bedroom door open and-

Shit.

Eddie was standing in your room in front of your mirror. Miles of pale skin just on display, scattered with contrasting dark tattoos he had. Nothing on, save for your lilac lingerie.

The palest purple lace bra, you can see from the back isn't even clipped correctly, missing the hook entirely. But the color is striking on Eddie. The lace thong cuts high on Eddie's ass, and you try not to gawk at the little black heart tattooed on his cheek. Eddie's scars seem softer amongst the lace.

How often did Eddie do this? Come over and put on your lingerie? Stand in front of the mirror and rub his fingers over his one hardened nipple. You couldn't see from where you were, but you knew his cock was hard. He'd be leaking all over your underwear, marking them.

Eddie lets out a little moan and it ignites a fire in your gut. You lick you lips as you watch Eddie, which maybe makes you a pervert but really it is your house and he is wearing your clothes so if anyone is-

Fuck why is it so hot?

"So-" you clear your throat. Eddie let's out a screech (that you are pretty sure ruined your eardrums) as he whirls around. He tries to cover himself with his arms, curls in on himself. And Holy cow he is hard.

He is big, so big, the tip just peeking out of the waistband of the panties. You can see the pearly translucent precum already dripping onto the underwear.

"I- fuck, I'm aha listen I can exp- i can explain!" Eddie fumbles over his words. You blink a few times tearing your eyes away from his massive dick (oh it would feel so good it would hit every spot just right).

Eddie's face is red, tears welling up in his eyes. "Oh Baby, no," you rush over, pausing when Eddie flinches. You gently put a hand out on Eddie's shoulder, drawing him into a hug, " It's- it's okay. Please don't cry." "Don't hate me." You gasp in shock, pulling back to look in his eyes," I could never!"

Eddie's eyes are wet, filled with unshed tears. His nose is turning a bit red, from embarrassment, shame, or sadness you can't tell. But his cheeks are such a pretty pink you think it'd look nice elsewhere on his pale skin.

Eddie hides his face with his hair, shuffling his feet a bit. "So..." you pause unsure how to ask it politely so you just go for it," I can see this is a kink thing...but like, what kind?"

Eddie shrugs," Wanted to feel pretty..." You frown," You are pretty Eddie." Eddie shakes his head and gestures to his abdomen," Not with these."

Eddie really should not be drawing your eyes any further south then his face. Cause your pulse kicks up and the fire inside you lights back up your spine. You can't help but notice his dick is still hard as a rock.

"You are too pretty." "Not really." "Yes!" Not-" You shove Eddie lightly, causing him to stumble back and fall onto the bed. Eddie's eyes widen in shock as he peers up at you.

"Don't talk about my best friend that way! You are too pretty. And handsome. Funny. So talented," You sigh and step forward, into Eddie's parted legs. Eddie leans up on his elbows and blinks rapidly at you. "You're so fucking pretty Baby." You murmur, hand reaching out lightly touching his thigh.

Eddie let's out a whine before looking startled at himself. You can't help but notice his dick twitch under the pale purple lace. "You like being called pretty?" You smirk. "Like when you call me Baby," Eddie replies softly.

You aren't sure who moves first, but suddenly your arms are wrapped around each other. Your lips meet Eddie's without hesitation. His are slightly chapped but still soft, molding perfectly against your own.

You run your hand down Eddie's neck, to the pale bra strap and snap it. He gasps and you take the chance, slipping your tongue into his mouth. He tastes of weed, mint gum, and just Eddie.

Eddie moans against you, hips bucking forward seeking friction. You pull back, gasping for air. Eddie let's out a whine," No, come back-" "I ain't going anywhere Baby."

Eddie's eyes flutter shut as he bites his lip. He hums as you kiss his jaw, lightly nipping at his pulse point. He shivers against you, hips bucking forward again. You suck lightly as you decide to give him some relief.

Your hand snakes down, grasping him firmly. You lightly squeeze through the lace, giving just enough friction as you move your hand.

"Look so good in my lingerie Baby, you should wear it more often." You murmur between kisses. Eddie nods absently, gasping and moaning beneath you. "Got a red pair that has some nice straps, you'd look so metal and so so pretty."

Eddie freezes, mouth falling open. His brow wrinkles slightly as he moans, pleasure overtaking him. His hips spasm, even his thighs twitch, as he comes. You can feel your underwear get soaked along with part of his stomach.

You stroke him through it, extending his pleasure until he whimpers and pushes at your hand. You pull back, smiling softly at his face. Eddie's eyes flutter open, darting down to your lips. "Kiss?" He asks quietly, unsure. You simply smile and kiss him again.

[klanced]

when adam met 11yo keith he immediately knew that keith was gay and was like i have GOT to support this kid!! (runs into traffic) meanwhile shiro spent years operating under the assumption that keith had like a gender thing going on

[twetterbirdy]

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[alchemocha]

Hi there!

In light of yesterday’s events, my wife and I (currently in Indiana right now due to the emergency trip we took out here in October) are trying to raise what we can to get back to Canada asap for our safety since we’re both trans and disabled! And this is a deeply red state.

Any help would be deeply appreciated. Stay safe out there everyone.

Commission work will resume once we ensure our safety, and thank you all for understanding.

[tytonidyke]

I love stopping at the gas station or whatever for last-minute toilet paper and the only options they have are Cheek Shredder 9000, Now With Recycled Tax Returns! (may include staples) and The Husk of a Memory Within a Dream Wherein Someone Once Whispered the Word “Paper”

[narcissarina]

LEON LEON LEON LEONNNNN HE CAME HOMEWEEE FINALLY😭😭😭😭😭 HE'S SO ADORABLE WTF, I PAID 1,030 PESOS FOR THIS (i live in ph:3) put him back inside the box bc I don't want dirt on him

(I use some voucher and discount so it'll be cheaper for me)

Original price: 1.2k

He's so adorable🥹🥹🥹🥹🥹🥹 I'm now broke bc of him and yk what? It's fucking worth it

Look at him and his little ass, I hope that wedgie thong anon see this because I might give them the mental image they're seeking🎀/j

He reminds me of rer2 Leon😭😭😭😭🎀

Ok bye, just wanna share how broke i am rn😘

Btw i got him bony, I can pose him around

[larzuen]

Regarding the Casino Of The Vamps Website

If some of you guys are wondering why the website was down, I was working on the update but got delayed <\3 and forgot to remind you guys here who follow my COTV content so I highly apologize ;v;

I will still release the update soon so don't worry ! I was supposed to release the update back In the 10th of February but got delayed due to the amount of limitations of the website I was using to create the website (cardd) <\3 please be patient with me <3 tysm!

[cimmerian1275]

You tell your father you like tmnt..... You divulge sacred information BC this is your favourite show...

And this is how they respond?

Biggest mistake of my life, what the hell is this??? What did he get me and why? What am I even looking at.

His first guess was that this was Michelangelo. Send help.

[nickbutnodick]

school is school but i made a fish spin so life is good

[fldx]

good morning friends! it's a beautiful day, i'm feeling 90% better* and i woke up to a bunch of lovely messages from my family and friends and a snoopy birthday card from my bf 💞

[joshuamj]

LOOK WHAT I GOT

[unopenablebox]

i think it's immoral for me to buy earmuffs and i also think it's immoral for me to have a wedding and unfortunately i'm currently failing to distinguish these or figure out if either is true

[mooseonahunt]

Men can’t do anything omfg

[silverselfshippingchaos]

sorry for not doing anything for valentine's day this year, but happy valentine's day! hope everyone had a good one!

[kay9leo]

finishing a book

I finished reading that book I got myself for Xmas two years ago and now I don't know what to do with my life anymore

(You all know what I mean, like when you finish a good TV series or movie and you just sit there thinking on your existence and the story you just saw/read and how epic it was. And now you are sad because the reading high is over.)

And now, this is me. I'm like: