BLOGBlog posted On July 17, 2025
Now that the summer is in full swing and we’ve hit our mid-year stride, why don’t we check in with the latest housing trends and see what’s sizzling on the market. With stubborn, unbudging rates and fickle home buyers, the year thus far has been a tumultuous one for the housing and real estate industry. Can we glean any useful insights from the first six months to predict any changes for the second half of 2025? Let’s get into it.
Buyers Are Discovering Silver Linings
How about we start with some positive news? According to a recent Real Brokerage survey, 43% of agents agree that conditions favor buyers right now. They believe that this favorability is tied to rising inventory, lengthier times on the market, and boosted negotiation powers.
Sellers are now more open to concessions, contingencies are getting accepted, and without the intense pressure of bidding wars, buyers can take their time to make smarter, more informed decisions.
Sellers, Agents, and Builders Are Looking to Incentivize Buyers
HousingWire reported that 40% of homes for sale experienced price drops at the end of June, which is higher than an average year of home sale reductions (typically one third of listings experience cuts). However, many sellers are partnering with lenders to find alternative ways to incentivize buyers off the sidelines.
For instance, we offer both List & Lock™ and Build & Lock™, programs that allow sellers and builders to advertise discounted rates on listings. Between lender partnerships and temporary buydowns, the housing market is leaning favorably towards buyers in these ways.
A Statistics Round-Up
Let’s compile a few more housing-related statistics to gain a better understanding of the year thus far and uncover some insights going forward.
Your Lender Matters
With rates remaining relatively high (despite some low 6% dips), your lender matters now more than ever. Not only can we provide fast preapprovals to show you how much home you can afford, but we can also give you access to affordable loan programs, especially ones tailored to first-time home buyers. We offer platforms like HomeFundIt™ that can provide a leg-up when you need help raising funds for your down payment. Or if you have a specialized occupation, many lenders like us offer products with specific benefits. For instance, if you’re in a qualifying medical profession, MedPro Advantage provides low down payment financing. Similarly, First Responders’ Extra Savings for Heroes (FRESH) waives specific lending fees for eligible workers (i.e. firefighters, teachers, 911 dispatchers).
With ongoing 2025 market trends, it will benefit you in both the short and long run to do your own research and work in tandem with experienced lenders. That way, you can take advantage of mortgage programs that you otherwise would’ve missed out on.
Predictions & Conclusions: Fall/Winter 2025 & Beyond
In light of these current readings, economists have some tentatively hopeful predictions paired with more grounded perspectives. With Fannie Mae revising their forecast for existing home sales in 2025, they’re now expecting 4.14 million homes to sell versus their earlier estimate of 4.24 million. Despite that prediction, they’re anticipating a more “robust rebound in 2026, projecting a 9.5% increase in home sales as mortgage rates ease to around 6.1%.” The Federal Reserve is not expected to cut interest rates for its July 30th meeting, and rate cuts in general are not anticipated anytime soon, indicating that there might be “two cuts by the end of 2025.” However, note that the Fed does not directly set mortgage rates.
Are you ready to make a plan? Let’s chat about your home buying timeline and figure out what makes the most sense for you with current market trends and predictions. We can whip up a speedy preapproval in a flash. We’ve got your back — one step at a time.
Source: National Association of REALTORS, CNBC, MPA, HousingWire, Mortgage News Daily, CNBC
*As of 6/17/2025 per Mortgage News Daily
