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Mortgage rates are finally heading in the right direction – and buyers are starting to jump back in.

For many homeowners, today’s market is vastly different from the one they last sold in, but that could be a good thing if it’s approached with the right expectations. Longtime owners have built substantial equity, and with new tools, next spring could be an opportune moment to sell despite a shifting market, especially if the preparations start now.

Mortgage rates are still a hot topic – and for good reason. After the most recent jobs report came out weaker than expected, the bond market reacted almost instantly. And, as a result, in early August mortgage rates dropped to their lowest point so far this year (6.55%).

Cutting out the agent might seem like a smart way to save when you sell your house. But here’s the hard truth.

Last year, homes that sold with an agent went for almost 15% more than those that sold without one.