Technologies
Waiting for a Recession to Buy a Home? This Realtor Weighs In
Here are the most important things to know about mortgage rates during an economic downturn.

The economy’s been all over the place lately. Inflation might be coming down, but rising tariffs, stock market dips and global uncertainty are keeping everyone on edge. With mortgage rates bouncing around, homebuyers are asking me, Will housing become more affordable in a recession?
After more than 20 years in real estate, I’ve seen my share of ups and downs, from boom times to full-blown crashes, like 2008. The truth? There’s always opportunity, even in a downturn. The market doesn’t stop during a recession. It just shifts. And if you’re ready, that shift can actually work in your favor.
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Let’s break down what a recession really means for mortgage rates, home prices and your opportunity to buy a home.
Is a recession on its way?
There are plenty of recession warning signs right now. Layoffs are picking up, GDP is slowing and consumer confidence has dipped. Paychecks aren’t going as far, and retirement accounts are taking hits.
While less disposable income and tighter budgets point to a general slowdown in the economy, technically, we’re not in a recession. Not yet. It would take two consecutive quarters of negative GDP growth to hit that definition. But for a lot of folks, it already feels like one.
High prices and inflation aren’t the same thing. Even if the inflation rate isn’t going up, the cost of everyday goods and services is still high, and budgets are getting hammered. When folks feel the squeeze every time they swipe a card at the grocery store, it shapes how they think about making huge purchases like a home.
Will the Fed cut interest rates?
Borrowing costs have been expensive for the last several years, making households and businesses wary about taking out loans. The Federal Reserve will probably cut interest rates again later this year, eventually making financing cheaper.
But those cuts won’t come for a while. The Fed’s a bit stuck right now. The economy’s losing steam and inflation is cooling, but not fast enough. The central bank is being cautious about shifting policy, especially with tariffs driving prices back up.
Though lower interest rates will eventually impact the housing market, the Fed doesn’t directly control mortgage rates. Mortgage rates move based on many factors, such as the bond market and investor expectations. Even when the Fed starts cutting rates again, don’t expect mortgage rates to drop like crazy. Many of those expected cuts are already priced into the market.
Will mortgage rates drop in a recession?
Mortgage rates often fall during an economic depression, as we saw recently in 2020 and earlier in 2008. Lower rates help boost the economy, and the Fed knows that.
But this time around, things are messier. There’s volatility everywhere. Even though rates could drop, they might also shoot back up with any good economic news. Like many experts in the real estate industry, I think average rates for a 30-year fixed mortgage will hover between 6.5% to 7.25% for most of 2025, with weekly jumps and dips in that range.
If you’re holding out for 4% or 5% mortgage rates, you may be waiting longer than you’d like. It’s going to take far more negative economic news to see rates fall in a big way.
It’s also worth pointing out that your personal financial situation matters more than your interest rate. If you’ve got a solid stream of income and a long-term plan for paying off a home loan, waiting for a perfect rate might not be worth it.
Will home prices go down in a recession?
Home prices are the big question. And the answer is… they won’t likely go down in a big way.
Historically, home prices don’t fall much during recessions. The 2008 housing crash was the exception, not the rule. What we’ll probably see is slower appreciation or small dips in certain markets, especially in areas hit by higher insurance costs, taxes or natural disasters (Florida, Texas and Louisiana come to mind).
But nationwide, we’re still dealing with low inventory. Until that changes, it’s hard to see prices dropping dramatically. Plus, given high construction and labor costs, it’s clear home prices aren’t falling off a cliff anytime soon.
Is it cheaper to buy a home during a recession?
If you’re financially stable, it could be cheaper to buy a home in a recession. You might find better deals, less competition and more negotiating power. But if lending tightens, getting a loan could get tougher. That’s something we’re already starting to see with condos and certain types of properties.
And don’t overlook the «wealth effect.» When people feel wealthier, like when their stock portfolio or home value is up, they’re more confident making big purchases.
But when those numbers start to slide, or there’s even a threat of job insecurity, even if nothing’s really changed day to day, people pull back. That affects buyer activity in a big way. If someone just lost $20,000 in their 401(k), they’re not rushing to get a new mortgage.
What’s the best time to buy a home?
The best time to buy a home is when it makes sense for you. If you’ve got a steady income and strong credit, and you’re ready to settle down, a recession could actually work in your favor.
Just don’t wait around for some magical «perfect time» to take out a mortgage. The green light most people are waiting for doesn’t exist. But if you prepare, stay informed and work with the right team, you can make a smart move no matter what the economy’s doing.
Technologies
Apple Watch Series 11 Deals: How to Save Up to $335 on Apple’s Latest Wearable
Technologies
Take Your Apple Watch Experience to the Next Level With These 8 Tips and Tricks
Get the most out of your Apple Watch with these expert-approved tips.

Apple’s smartwatch lineup is getting better year after year. This year is no exception with the new Apple Watch series 11, Apple Watch SE 3 and the Apple Watch Ultra 3. Whether you’ve got a brand new model to get acquainted with or you’re trying out the new features in WatchOS 26, there are options to keep you productive, become more active and take control of your life. These are the features I love the most.
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Swipe between watch faces (again)
Until WatchOS 10.0, you could swipe from the left or right edge of the screen to switch active watch faces, a great way to quickly go from an elegant workday face to an exercise-focused one, for example. Apple removed that feature, likely because people were accidentally switching faces by brushing the edges of the screen.
However, the regular method involves more steps (touch and hold the face, swipe to change, tap to confirm), and people realized that the occasional surprise watch face change wasn’t really so bad. Therefore, as of version 10.2, including the current WatchOS 26, you can turn the feature on by toggling a setting: Go to Settings > Clock and turn on Swipe to Switch Watch Face.
Stay on top of your heart health with Vitals
Wearing your Apple Watch while sleeping offers a trove of information — and not just about how you slept last night. If you don the timepiece overnight, it tracks a number of health metrics. The Vitals app gathers that data and reports on the previous night’s heart rate, respiration, body temperature (on supported models) and sleep duration. The Vitals app can also show data collected during the previous seven days — tap the small calendar icon in the top-left corner.
If you own a watch model sold before Jan. 29, 2024, you’ll also see a blood oxygen reading. On newer watches in the US, that feature works differently because of an intellectual property fight: The watch’s sensors take a reading, and then send the data to the Health app on your iPhone. You can check it there, but it doesn’t show up in the Vitals app.
How is this helpful? The software builds a baseline of what’s normal for you. When the values stray outside normal ranges, such as irregular heart or respiratory rates, the Vitals app reports them as atypical to alert you. It’s not a medical diagnosis, but it can prompt you to get checked out and catch any troubles early.
Make the Wrist Flick gesture second nature
WatchOS 26 adds a new gesture that has quickly become a favorite. On the Apple Watch Series 9 and later, and the Apple Watch Ultra 2 and Ultra 3, Wrist Flick is a quick motion to dismiss incoming calls, notifications or really anything that pops up on the screen. Wrist Flick joins Double Tap as a way to interact with a watch even if you’re not in a position to tap the screen.
But what I like most about the gesture is that it’s also a shortcut for jumping back to the watch face. For example, when a Live Activity is automatically showing up in the Smart Stack, a quick flick of the wrist hides the stack. Or let’s say you’re configuring a feature in the Settings app that’s buried a few levels deep. You don’t need to repeatedly tap the back (<) button — just flick your wrist.
Make the Smart Stack work for you
The Smart Stack is a place to access quick information that might not fit into what Apple calls a «complication» (the things on the watch face other than the time itself, such as your Activity rings or the current outside temperature). When viewing the clock face, turn the digital crown clockwise or swipe from the bottom of the screen to view a series of tiles that show information such as the weather or suggested photo memories. This turns out to be a great spot for accessing features when you’re using a minimal watch face that has no complications.
Choose which Live Activities appear automatically
The Smart Stack is also where Live Activities appear: If you order a food delivery, for example, the status of the order appears as a tile in the Smart Stack (and on the iPhone lock screen). And because it’s a timely activity, the Smart Stack becomes the main view instead of the watch face.
Some people find that too intrusive. To disable it, on your watch open the Settings app, go to Smart Stack > Live Activities and turn off the Auto-Launch Live Activities option. You can also turn off Allow Live Activities in the same screen if you don’t want them disrupting your watch experience.
Apple’s apps that use Live Activities are listed there if you want to configure the setting per app, such as making active timers appear but not media apps such as Music. For third-party apps, open the Watch app on your iPhone, tap Smart Stack and find the settings there.
Add and pin favorite widgets in the Smart Stack
When the Smart Stack first appeared, its usefulness seemed hit or miss. Since then, Apple seems to have improved the algorithms that determine which widgets appear — instead of it being an annoyance, I find it does a good job of showing me information in context. But you can also pin widgets that will show up every time you open the stack.
For example, I use 10-minute timers for a range of things. Instead of opening the Timers app (via the App list or a complication), I added a single 10-minute timer to the Smart Stack. Here’s how:
- View the Smart Stack by turning the Digital Crown or swiping from the bottom of the screen.
- Tap the Edit button at the bottom of the stack. (In WatchOS 11, touch and hold the screen to enter the edit mode.)
- Tap the + button and scroll to the app you want to include (Timers, in this example).
- Tap a tile to add it to the stack; for Timers, there’s a Set Timer 10 minutes option.
- If you want it to appear higher or lower in the stack order, drag it up or down.
- Tap the checkmark button to accept the change.
The widget appears in the stack but it may get pushed down in favor of other widgets the watch thinks should have priority. In that case, you can pin it to the top of the list: While editing, tap the yellow Pin button. That moves it up but Live Activities can still take precedence.
Use the watch as a flashlight
You’ve probably used the flashlight feature of your phone dozens of times but did you know the Apple Watch can also be a flashlight? Instead of a dedicated LED (which phones also use as a camera flash), the watch’s full screen becomes the light emitter. It’s not as bright as the iPhone’s, nor can you adjust the beam width, but it’s perfectly adequate for moving around in the dark when you don’t want to disturb someone sleeping.
To activate the flashlight, press the side button to view Control Center and then tap the Flashlight button. That makes the entire screen white — turn the Digital Crown to adjust the brightness. It even starts dimmed for a couple of seconds to give you a chance to direct the light away so it doesn’t fry your eyes.
The flashlight also has two other modes: Swipe left to make the white screen flash on a regular cadence or swipe again to make the screen bright red. The flashing version can be especially helpful when you’re walking or running at night to make yourself more visible to vehicles.
Press the Digital Crown to turn off the Flashlight and return to the clock face.
Pause your Exercise rings if you’re traveling or ill
Closing your exercise, movement and standing rings can be great motivation for being more active. Sometimes, though, your body has other plans. Until WatchOS 11, if you became ill or needed to be on a long-haul trip, any streak of closing those rings that you built up would be dashed.
Now, the watch is more forgiving (and practical), letting you pause your rings without disrupting the streak. Open the Activity app and tap the Weekly Summary button in the top-left corner. Scroll all the way to the bottom (take a moment to admire your progress) and tap the Pause Rings button. Or, if you don’t need that extra validation, tap the middle of the rings and then tap Pause Rings. You can choose to pause them for today, until next week or month, or set a custom number of days.
When you’re ready to get back into your activities, go to the same location and tap Resume Rings.
Bypass the countdown to start a workout
Many workouts start with a three-second countdown to prep you to be ready to go. That’s fine and all, but usually when I’m doing an Outdoor Walk workout, for example, my feet are already on the move.
Instead of losing those steps, tap the countdown once to bypass it and get right to the calorie burn.
How to force-quit an app (and why you’d want to)
Don’t forget, the Apple Watch is a small computer on your wrist and every computer will have glitches. Every once in a while, for instance, an app may freeze or behave erratically.
On a Mac or iPhone, it’s easy to force a recalcitrant app to quit and restart, but it’s not as apparent on the Apple Watch. Here’s how:
- Double-press the Digital Crown to bring up the list of recent apps.
- Scroll to the one you want to quit by turning the crown or dragging with your finger.
- Swipe left on the app until you see a large red X button.
- Tap the X button to force-quit the app.
Keep in mind this is only for times when an app has actually crashed — as on the iPhone, there’s no benefit to manually quitting apps.
These are some of my favorite Apple Watch tips, but there’s a lot more to the popular smartwatch. Be sure to also check out why the Apple Watch SE 3 could be the sleeper hit of this year’s lineup, and Vanessa Hand Orellana’s visit to the labs where Apple tests how the watches communicate.
Technologies
Orionids Meteor Shower: The Dazzling Light Show Peaks Over the Next Day
Bright, fast meteors are lighting up the sky this week.

The cosmic light show of the Orionids meteor shower is peaking over the next day during the new moon, making it easier to see. You can spot meteors now through the beginning of November.
When Earth moves through the long, debris-strewn tails of a large comet, the debris falls to Earth in the form of meteors, which we call meteor showers. The Orionids meteor shower occurs courtesy of the 1P/Halley comet, known as Halley’s Comet. Another meteor shower Earth experiences thanks to Halley’s comet is the Eta Aquariids, which occurs in April and May.
The Orionids are also one of the longest-running major meteor showers, lasting over a month and a half. Most meteor showers last weeks or up to a month.
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When is the best time to view Orionids?
The Orionids are predicted to peak on the evening of Monday, Oct. 20, and the morning of Tuesday, Oct. 21. The meteor shower is noted for its bright, fast-traveling meteors, which leave trails in the sky that can last several seconds and up to a few minutes.
Most experts agree that the show should be at its best between midnight and dawn. Your best bet is to get out there before the sun rises.
You might also be able to see two rare comets on Monday and Tuesday — here’s how.
Where should I look to see the Orionids?
The Orionids are named after the Orion constellation. All meteor showers are named for the constellation from which they appear to originate. This point, referred to as the radiant, is where you’ll want to look at the sky.
The constellation will rise above the eastern horizon at midnight local time in the US. Over the evening, it’ll streak over to the southern section of the sky, where it’ll eventually be drowned out by the sun at sunrise. If you can spot Jupiter, which will also be visible that night, Orion is next to it. If you’re having trouble, websites like Stellarium have free sky maps that you can use for reference.
Tips for viewing Orionids
According to NASA, the Orionids meteor shower is expected to shoot off 10 to 20 meteors per hour in perfect conditions. Your best bet at getting a good show is to achieve ideal conditions as much as possible.
Your enemy is light pollution, so you’ll want to get as far away from the city and suburbs as possible. Since Orion is in the eastern sky, leaving town by traveling east will ensure you don’t have light pollution in your view while trying to watch. You may see some light streaks in the suburbs and city, but it’s far less likely.
October’s spectacular supermoon will be long gone by the third week of this month, so you won’t have to contend with what will be one of the brightest moons of the year. The only other variable is weather, which you can’t control.
Once you escape light pollution, sit down and watch the eastern and southern skies. The meteors will be visible without magnification.
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