🏡The Best Time to Buy Is Now - Especially With CitiQuest’s 4.99% Rate🏡

If you’ve been thinking about buying a home in Houston, this season offers one of the most favorable market environments we’ve seen in years. A combination of improved affordability, rising inventory, shifting seasonal trends, and solid economic fundamentals has created a window of opportunity for buyers who are ready to make their move.

And with CitiQuest’s Home for the Holidays promotion, offering an incredible *4.99% interest rate on select homes, this window just got even better.

Below is a breakdown of why NOW truly stands out.

_{Map: Forbes Advisor Source: Zillow Home Value Index (ZHVI); Data for month of October 2025}

1. 📈Improved Affordability Is Opening the Door for More Buyers

Several key factors are working together to make homeownership more accessible:

Lower Mortgage Rates

Mortgage rates have recently dropped to their lowest point in nearly a year following Federal Reserve rate cuts, giving buyers renewed purchasing power.

Slowing Home Price Growth

National home price appreciation has cooled significantly, growing just 1.6% annually. For buyers, that slowdown translates to improved affordability and a chance to enter the market before momentum picks up again.

More Inventory Across Texas

Texas markets, including Houston, have largely returned to pre-pandemic inventory levels. With more homes available, buyers now have a wider variety of price points, neighborhoods, and property types to choose from.

2. 💬More Negotiating Power for Buyers

Shifting market dynamics are giving buyers the upper hand in many areas.

Holiday Season Advantage

From November through February, homes typically stay on the market longer. This slower seasonal period often leads to more flexible sellers and stronger negotiating opportunities.

Balanced Market Conditions

Demand has leveled off from the frenzy of the pandemic years, creating a healthier, more balanced market. Combined with a 33% increase in inventory compared to 2024, buyers can enter negotiations with greater confidence.

Pair that with CitiQuest’s fixed *4.99% rate on select homes, and the total cost of buying becomes even more favorable.

3. 🎁Seasonal Factors Work in Your Favor

Both the current season and the upcoming spring/summer months offer unique benefits:

Favorable Weather & Longer Days

Spring and summer provide ideal home-shopping conditions: better weather, more daylight, and greater scheduling flexibility for tours.

Holiday Market Dynamics

During the winter months, sellers tend to be more motivated, and buyers face less competition. This means more room to negotiate, more time to decide, and less pressure overall.

4. ⏳Experts Agree: Don’t Try to “Time” the Market

_{Map: Forbes Advisor Source: Zillow Home Value Index (ZHVI); Data for month of October 2025}

Housing economists consistently emphasize that trying to predict the “perfect” moment to buy is rarely successful.

Orphe Divounguy, senior macroeconomist at Zillow Home Loans, puts it simply:

“The best time for prospective buyers is when they find a home that they like, that meets their family’s current and foreseeable needs, and that they can afford.”

Similarly, Keith Gumbinger, vice president at HSH.com, notes that waiting can often make homeownership harder, not easier, because home prices tend to rise over time.

CitiQuest’s holiday rate directly supports this advice by improving affordability right now.

💡Practical Tips for Buyers Ready to Make a Move💡

Know Your Budget
Account for mortgage rates, insurance, and taxes. Take advantage of today’s lower interest rates to secure a manageable monthly payment.

Stay Flexible
Explore multiple neighborhoods and home types. With inventory rising, hidden gems are emerging across the Houston area.

Use the Season to Your Advantage
Whether you prefer the negotiating leverage of winter or the convenience of spring/summer shopping, both seasons offer distinct benefits.

Work With a Local Expert
An experienced Houston agent can help you identify the best opportunities, especially on CitiQuest homes eligible for the *4.99% rate.

📝Bottom Line📝

Improving affordability, rising inventory, and seasonal buyer advantages have created one of the strongest opportunities to purchase a home in years.
And with CitiQuest’s Home for the Holidays promotion, offering a *4.99% interest rate on select homes, buyers get an even bigger head start on building equity and securing long-term financial stability.

If you’re looking to buy your first home or upgrade to your next one, this is truly the moment to act!

_{*4.99% interest rate is for select homes only depending on availability and to the builder's discretion. For more information regarding this incentive and which homes are available please email [email protected] for more information. The offer expires 12/15/2025.}