oin Patrick Ryan, Broker Associate, Sotheby’s International Realty and Jeff McMullen, Team McMullen Lending for an insightful discussion on the evolving Monterey Peninsula housing market. This program offers a thoughtful look at current trends among home buyers and sellers, explores the challenges and opportunities of today’s dynamic market, highlights
the latest developments in mortgage rates and lending practices. Whether you’re planning your next move or simply interested in understanding the shifting landscape of local real estate, this session will provide clarity, confidence, and practical insights tailored to our community. Don’t miss it.

About The Carmel Foundation
The Carmel Foundation is an organization that serves members 55 and better in the Monterey County area and beyond. The Foundation is located in Carmel on the southeast Corner of 8th and Lincoln. The Carmel Foundation facilitates successful aging by offering a luncheon program, homebound meal delivery, free mobility equipment loans, free lending library, Saturday movies, and more than 65 classes and activities each week all designed to help seniors thrive. For more information, contact Jennifer Hollingsworth, Director of Development at jhollingsworth@carmelfoundation.org or 831.620.8701.