A Simple Pre-Holiday Payment Strategy for Smart Buyers

The day before Thanksgiving tends to be calm, slow, and quiet — and that actually creates one of the best windows of the year for buyers to check in on their mortgage numbers.

Here’s why a quick payment review today is worth the five minutes:

1. Markets Are Calm

Bond markets trade lightly during holiday weeks.This creates stable pricing, making payment estimates more reliable than high-volatility days.

2. Sellers Are Motivated

By late November, many sellers:

• Want to close by year-end

• Are open to credits

• Are more flexible on terms

Understanding your exact payment range today puts you in a strong negotiation position.

3. It Sets Up a Stress-Free December

Instead of scrambling next week or waiting for post-holiday rate swings, you get a clear runway into December — one of the best months for buyer leverage.

Bottom Line

A calm day gives you room to think clearly.

Running your numbers before the holiday helps you act confidently after the holiday.