With fundamentals shifting, this article explores economic signals and policy changes shaping the latter half of 2025. (Read Articles I and Article II if you need to catch up.)
Macro & Economic Signals
- Cooling inflation and housing costs may allow mortgage rates to ease modestly later in the year (MarketWatch; Realtor.com).
- In high-inventory markets like Nevada, listings surged +53% year-over-year, providing buyers increased negotiating leverage (Business Insider).
Policy & Regulatory Watch
- National projections anticipate slower price growth (+2.5%), flat-to-lower mortgage rates (~6.4%), and slightly lower home sales (~4 million units vs. prior forecast of 4.07 million) (Realtor.com).
- Builders and developers stand to benefit if local regulatory constraints ease, though specifics are still emerging (Realtor.com).
Final Thoughts
Given these economic and policy signals, the market is trending toward a more balanced buyer-friendly phase. The best outcomes will go to those who negotiate strategically now and plan to refinance when rates fall.
Call to Action
Don’t wait for perfect conditions.
Buy now if you can, even if mortgage rates are high. Sellers and builders are offering incentives like upgrades, closing cost credits, and mortgage rate buy-downs. This lowers your initial payments.
Then, over the next 18 to 24 months, refinance at a lower rate when rates drop. This strategy lets you lock in today’s home price, build equity, avoid bidding wars, and benefit from better rates later.
Check with your local lender to learn about first-time homebuyer programs, down payment assistance, mortgage credit certificates, and other incentives available in your area. Local lenders often have the most current information on grants and special programs that can help make buying a home more affordable.
Your Concierge of Good Deeds
Sources – Part III
- MarketWatch. The stock market is soaring following Fed Chair Powell’s speech. Why it might just be a ‘late-summer rally.’
https://www.morningstar.com/news/marketwatch/20250822254/the-stock-market-soared-following-fed-chair-powells-speech-why-it-might-just-be-a-late-summer-rally - Business Insider. 4 predictions for the US housing market in 2025, according to Zillow.
https://www.businessinsider.com/predictions-for-the-us-housing-market-in-2025-according-to-zillow-2024-12 - July 2025 Housing Market Trends Report. Realtor.com Research
https://www.realtor.com/research/july-2025-data/ - Realtor.com. 2025 Midyear Housing Market Predictions & Forecast.
https://www.realtor.com/research/2025-national-housing-forecast-midyear-update - Nevada Business: LVR Report Suggests Housing Market Shifting Toward Buyers
https://nevadabusiness.com/2025/06/lvr-report-suggests-housing-market-shifting-toward-buyers/
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