Let’s face it—this year’s housing market has been a rollercoaster. Between shifting mortgage rates and rising prices, it's easy to feel like you're stuck at a standstill, wondering if now is really the right time to move.
But here's the thing: The second half of 2025 is shaping up to bring more balance, better opportunities, and a whole lot more clarity. Experts across the board are releasing their latest projections, and there’s good reason to feel encouraged.
Let’s break it all down.
📉 Mortgage Rates Are Expected To Dip (Just Enough to Matter)
Mortgage rates aren't falling off a cliff, but they are projected to gently decline—and in this market, even a modest drop is a big deal.
2025 year-end mortgage rate forecasts:
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Average across all major sources: 6.39%
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Wells Fargo (most optimistic): 6.00%
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MBA (most conservative): 6.70%
📌 Why it matters: A drop of even half a percent could mean hundreds in monthly savings—and possibly put the home you want within reach. It’s also a strong motivator for more sellers to get moving, which brings us to the next point...
🏡 Inventory Is Growing (And That’s Great News for You)
This year, we’ve already seen a rise in available homes—and experts say that trend will likely continue. Why? Many homeowners who were holding out for lower rates are realizing life doesn’t wait. They're listing now, creating more choices for buyers and easing the competition.
As inventory rises:
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Buyers enjoy more options and less bidding war stress.
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Sellers can feel more confident entering a healthier, more balanced market.
Win-win.
📊 Home Price Growth Is Moderating (Cue the Exhale)
Yes, prices are still rising—but not at the breakneck speed we’ve seen in recent years. In fact, forecasts show a healthy and sustainable pace moving forward.
2025 price growth projections:
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Fannie Mae: +4.1%
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HPES and CoreLogic: +3.3%
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MBA: +1.3%
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Zillow: –1.9%
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Average of all 7: +2.3%
🎯 Translation: There’s no crash coming. But buyers may finally get a little relief from runaway prices—and paired with slightly better mortgage rates, that could mean more purchasing power.
Just remember: real estate is local. What's happening nationwide might look different in your zip code. That’s why having a local expert (👋 that’s me!) in your corner is key.
💬 The Bottom Line
The rest of 2025? It's looking a lot more buyer- and seller-friendly than you might expect. Rates are easing. Inventory is expanding. Prices are balancing out.
If you’ve been on the fence, this might be your moment to make a move—with confidence.
📲 Let’s connect and map out a strategy tailored to your goals. Whether you’re ready to list or looking to land your dream home, I’m here to help you navigate what’s next.
Because timing the market is tricky—making the right move with the right guide? That’s smart.
