#mortgage-rates

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#housing-market

The two big housing market trends to watch in 2025

Housing affordability in the U.S. is at its worst levels in decades heading into 2025.
The housing market is witnessing longer listing times and potential seller increases.

Mortgage rates above 7% cloud the housing market outlook

Mortgage rates remain high despite Fed rate cuts, with the 30-year fixed averaging 7.09%.
Market forecasts suggest no imminent rate cuts from the Fed in January.

Home sales rise at fastest pace since March - but market set for worst year since 1995

Home sales increased in November, reaching their fastest pace since March 2023 despite higher mortgage rates.

Housing Forecast 2025: Mortgage Rates To Stay Above 6% as Home Prices Grow

Mortgage rates are expected to average above 6% in 2025, while home prices continue to rise, with a projected growth rate of 3.7%.

Why falling mortgage rates can signal bad news

Falling mortgage rates increase affordability but often coincide with economic struggles.
Higher joblessness correlates with lower mortgage rates impacting homebuying.
Rate fluctuations affect home price appreciation and market dynamics.

7% Mortgage Rate Raises Monthly Payment by $1,000

High mortgage rates are significantly slowing down home sales and shifting the landscape of home ownership due to unaffordable monthly payments.

The two big housing market trends to watch in 2025

Housing affordability in the U.S. is at its worst levels in decades heading into 2025.
The housing market is witnessing longer listing times and potential seller increases.

Mortgage rates above 7% cloud the housing market outlook

Mortgage rates remain high despite Fed rate cuts, with the 30-year fixed averaging 7.09%.
Market forecasts suggest no imminent rate cuts from the Fed in January.

Home sales rise at fastest pace since March - but market set for worst year since 1995

Home sales increased in November, reaching their fastest pace since March 2023 despite higher mortgage rates.

Housing Forecast 2025: Mortgage Rates To Stay Above 6% as Home Prices Grow

Mortgage rates are expected to average above 6% in 2025, while home prices continue to rise, with a projected growth rate of 3.7%.

Why falling mortgage rates can signal bad news

Falling mortgage rates increase affordability but often coincide with economic struggles.
Higher joblessness correlates with lower mortgage rates impacting homebuying.
Rate fluctuations affect home price appreciation and market dynamics.

7% Mortgage Rate Raises Monthly Payment by $1,000

High mortgage rates are significantly slowing down home sales and shifting the landscape of home ownership due to unaffordable monthly payments.
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#real-estate

Investor purchases are sinking with the housing market at large

Home sales in 2024 lag significantly due to high costs and limited inventory.
Investor home purchases are down markedly as real estate's appeal wanes.

Your 2025 forecast for buyers and renters

Home prices are expected to rise modestly in 2025, with an increase in inventory and lower mortgage rates anticipated.

Distressed properties signal a slowdown in 2025 housing market

Institutional sellers are lowering auction prices due to increased inventory and high mortgage rates, indicating slowing home-price appreciation ahead.
Distressed property auctions are seeing significant price adjustments as affordability constrains retail buyers in the current market.

Mortgage rates rise to highest point in nearly 6 months

Mortgage rates rose to their highest since July, impacting affordability as home prices also increase.

Why falling mortgage rates can signal bad news

Falling mortgage rates often indicate economic trouble, leading to higher unemployment and decreased consumer spending, rather than boosting the housing market.

New Jersey, Florida have the leading luxury vacation home markets

Second-home investments are increasing despite high home prices and mortgage rates, especially in luxury markets of select counties.

Investor purchases are sinking with the housing market at large

Home sales in 2024 lag significantly due to high costs and limited inventory.
Investor home purchases are down markedly as real estate's appeal wanes.

Your 2025 forecast for buyers and renters

Home prices are expected to rise modestly in 2025, with an increase in inventory and lower mortgage rates anticipated.

Distressed properties signal a slowdown in 2025 housing market

Institutional sellers are lowering auction prices due to increased inventory and high mortgage rates, indicating slowing home-price appreciation ahead.
Distressed property auctions are seeing significant price adjustments as affordability constrains retail buyers in the current market.

Mortgage rates rise to highest point in nearly 6 months

Mortgage rates rose to their highest since July, impacting affordability as home prices also increase.

Why falling mortgage rates can signal bad news

Falling mortgage rates often indicate economic trouble, leading to higher unemployment and decreased consumer spending, rather than boosting the housing market.

New Jersey, Florida have the leading luxury vacation home markets

Second-home investments are increasing despite high home prices and mortgage rates, especially in luxury markets of select counties.
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from Axios
1 day ago

How Trump 2.0 could privatize Fannie Mae and Freddie Mac

Privatization of GSEs poses risks to the economy, particularly to mortgage rates, yet there's renewed investor interest under the potential Trump administration.
#real-estate-trends

Has spring housing demand already started?

The spring home-buying season has likely begun earlier than usual, indicated by growing pending contracts despite high mortgage rates.

Zillow, Fannie Mae diverge on 2025 housing market predictions

Gradual improvement in mortgage rates will drive home sales and price growth in 2025, despite potential challenges ahead.

Has spring housing demand already started?

The spring home-buying season has likely begun earlier than usual, indicated by growing pending contracts despite high mortgage rates.

Zillow, Fannie Mae diverge on 2025 housing market predictions

Gradual improvement in mortgage rates will drive home sales and price growth in 2025, despite potential challenges ahead.
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#labor-market

Powell's remarks shoot mortgage rates higher

The market is reacting negatively to Federal Reserve policies and forecasts, suggesting higher mortgage rates may persist if labor market conditions do not worsen.

Jobless claims keep mortgage rates elevated

The jobless claims data indicates a resilient labor market, contributing to sustained elevated mortgage rates.

Powell's remarks shoot mortgage rates higher

The market is reacting negatively to Federal Reserve policies and forecasts, suggesting higher mortgage rates may persist if labor market conditions do not worsen.

Jobless claims keep mortgage rates elevated

The jobless claims data indicates a resilient labor market, contributing to sustained elevated mortgage rates.
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#homebuyers

Fed Cuts Interest Rate by a Quarter Point, but Don't Expect Big Declines for Mortgages Yet

The Fed's recent interest rate cut won't significantly lower mortgage rates for homebuyers. Long-term projections indicate rates may remain high through 2025.

NAR: Pending homes sales rise for a fourth straight month

Homebuyer activity is rising despite high mortgage rates, with pending home sales reaching their highest levels in nearly two years.

The mortgage rate resting state: Understanding the new normal

Perspective on mortgage rates can easily be lost; it's crucial to trust data over feelings in financial decisions.

Fed Cuts Interest Rate by a Quarter Point, but Don't Expect Big Declines for Mortgages Yet

The Fed's recent interest rate cut won't significantly lower mortgage rates for homebuyers. Long-term projections indicate rates may remain high through 2025.

NAR: Pending homes sales rise for a fourth straight month

Homebuyer activity is rising despite high mortgage rates, with pending home sales reaching their highest levels in nearly two years.

The mortgage rate resting state: Understanding the new normal

Perspective on mortgage rates can easily be lost; it's crucial to trust data over feelings in financial decisions.
morehomebuyers

The biggest reverse mortgage opportunities in 2025

The reverse mortgage industry is poised to pursue new opportunities in 2025 through improved collaboration and outreach.
#housing-affordability

Average rate on 30-year mortgage hits 6.6%, its third straight weekly decline

Mortgage rates are declining but homeownership remains out of reach for many due to high prices and affordability issues.

Builders are 'a bit desperate' to move Florida inventory, says housing market analyst

Historic deterioration in housing affordability has been marked by surging home prices and rising mortgage rates, impacting buyers significantly.

Average rate on 30-year mortgage hits 6.6%, its third straight weekly decline

Mortgage rates are declining but homeownership remains out of reach for many due to high prices and affordability issues.

Builders are 'a bit desperate' to move Florida inventory, says housing market analyst

Historic deterioration in housing affordability has been marked by surging home prices and rising mortgage rates, impacting buyers significantly.
morehousing-affordability
#home-ownership

Boston Condos For Sale: Tough Road Ahead For 2025 Boston Condos For Sale Ford Realty

Rising mortgage rates will make Boston condo ownership increasingly difficult, especially for first-time buyers, with prices expected to remain high.

3 reasons buying a home could get easier in 2025 - unless you're a first-time buyer

The US housing market may experience a slight cooling in 2025, making home buying easier, but challenges persist for younger buyers.

Boston Condos For Sale: Tough Road Ahead For 2025 Boston Condos For Sale Ford Realty

Rising mortgage rates will make Boston condo ownership increasingly difficult, especially for first-time buyers, with prices expected to remain high.

3 reasons buying a home could get easier in 2025 - unless you're a first-time buyer

The US housing market may experience a slight cooling in 2025, making home buying easier, but challenges persist for younger buyers.
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The Peninsula may be more affordable now than at the start of 2024 - San Jose Spotlight

Midpeninsula home affordability has improved in late 2024, with more households able to purchase homes due to income increases and reduced mortgage rates.

FHFA prevented 43K foreclosures in Q3, but new cases rose 27%

FHFA's foreclosure prevention actions are significant, reaching over 7 million, yet foreclosure starts surged 27%, indicating a growing crisis in housing stability.
#federal-reserve

Inflation Ticks Up to 2.7% but Fed Still Expected To Continue Rate Cuts

The U.S. annual inflation rate increased to 2.7% in November, prompting expectations for Federal Reserve rate cuts despite persistent inflation concerns.

Mortgage rates are unlikely to drop even with another Fed cut

Federal Reserve's meeting will influence mortgage rates, with expectations of a 25 basis point cut, but rates may not change immediately.

Like an early holiday gift, mortgage rates drop again

Mortgage rates have decreased, with 30-year fixed rates falling to 6.69%, their lowest since late October, aiding refinancing efforts.

Mortgage demand drops for the first time in 5 weeks, after interest rates rise

Mortgage rates increased last week, leading to a decline in overall mortgage demand for the first time in five weeks.

Inflation Ticks Up to 2.7% but Fed Still Expected To Continue Rate Cuts

The U.S. annual inflation rate increased to 2.7% in November, prompting expectations for Federal Reserve rate cuts despite persistent inflation concerns.

Mortgage rates are unlikely to drop even with another Fed cut

Federal Reserve's meeting will influence mortgage rates, with expectations of a 25 basis point cut, but rates may not change immediately.

Like an early holiday gift, mortgage rates drop again

Mortgage rates have decreased, with 30-year fixed rates falling to 6.69%, their lowest since late October, aiding refinancing efforts.

Mortgage demand drops for the first time in 5 weeks, after interest rates rise

Mortgage rates increased last week, leading to a decline in overall mortgage demand for the first time in five weeks.
morefederal-reserve

10 top housing markets in 2025 - a year that should finally favor homebuyers

The US housing market is anticipated to favor homebuyers in 2025, with increased inventory and stable mortgage rates.

Relief for mortgage holders as ECB set to deliver fourth rate cut today - with more on the way

Interest rates are expected to decrease by 0.25 percentage points, benefiting tracker mortgage holders and potentially leading to more cuts next year.

Refi borrowers pounced on the short window of lower mortgage rates

Lower mortgage rates in late 2024 spurred a notable increase in refinancing activity.
Homeowners successfully reduced rates and achieved significant monthly savings through refinancing.

Boston Condo For Sale Mortgage Rates Are Improving As We Approach 2025 Boston Condos For Sale Ford Realty

Mortgage rates for Boston condos are improving, signaling an opportune time for buyers to engage.
Since the election, the Boston condo market has seen increased activity and interest.
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