Mortgage Interest Rates: How Low Will They Go in 2024 & 2025?

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[@SonnyPruitt-q1s]

Everybody focuses on the interest rates and NOT the elephant in the room and that is the initial cost of the home,insurance and property taxes..ALL these are at sky-high levels.

[@smokecheckmaster5896]

I hope you know who to blame for that

[@snackattack200]

@@smokecheckmaster5896 The people for the letting the government take advantage of us

[@brucey5585]

​@smokecheckmaster5896 the US government? But we all vote for the same corrupt politicians back every election term.

[@Brotherman72]

@@smokecheckmaster5896 twirly sideburns funny hat people

[@michaelwachendorf2096]

​​@smokecheckmaster5896 property tax has always been state lvl. Insurance big corporate and the cost of homes is how many are up for sale and how few aka supply and demand

[@ocean694]

Property tax, insurance, utilities.. more than doubled in the last few years. Even though interest rate is lower, it is still quite expensive to own a home.

[@WhollySchiit]

It is always more expensive not to own your home.

[@1Skeptik1]

Yes, and even more expensive to rent.

[@lukas______]

And to add salt the wound is ever-increasing HOA dues for literally zero extra benefit and shittier services

[@lessconfused5179]

Car insurance has also been increasing. It’s a lose - lose situation.

[@kimberbergstrom2166]

@@ocean694 both of my kids are buying homes. My rent for an apartment which is smaller than their homes is more than each of their house payments. That's really sad! Houses aren't the only thing that went up renting is just as bad!

[@dutchfarmer1]

5-7% intrest isn't the issue for me. The overall cost and price of homes combined with rates is the issue for me.

[@jockwithajoystick6851]

Skill issue

[@jer1776]

Agreed, I dont care if some people end up underwater on their mortgage, these prices need to fall at least 20%.

[@SisyphusJP]

@@jockwithajoystick6851stop nerfing salaries

[@MrLiveman2]

I hear you 😉

[@whatta7793]

@@jockwithajoystick6851 the majority of people who own their own homes could NOT afford to purchase that same exact house right now in todays economy (prices, rates, lack of income growth).

[@floridiantv]

Interest rates is not the problem. The problem is property tax and insurance.2025 lots of people will suffer the increase in their mortgage

[@GilbertVelasquez-r6b]

My property insurance went up I'll be getting my property tax bill next month😢😢

[@Paintball1212]

Property tax, corrupt insurance companies, national debt, the two party corrupt system, politicians, etc. are the real problem

[@rebeccarodriguez5782]

I feel that. I was at $1674 and it jumped to $2600.

[@J-Rod73]

@@Paintball1212 Definitely corrupt insurance companies. It's like the wild west these days.

[@GTRrocker84]

My escrow payment is up 80% since I bought my house in 2019. It’s absurd. I should not be charged taxes on the hypothetical value of my house when I don’t plan on ever selling it. It should be based on the price I bought it at.

[@tycopple8556]

I said it 4 years ago that we would be paying back the stimulus checks in one way or another

[@Metal_Stacking]

X 20 times

[@V511-x6p]

Thanks Trump

[@Metal_Stacking]

@@V511-x6p tds is real?

[@elliottkimble]

Man them stimulus checks got nothing on the amount sent to Ukraine.

[@VanillaLatte-sg2xs]

My family said this too. Government money is never free.

[@MrPreet23]

Insurance and property tax needs to come down too 😡😡😡😡😡

[@3xpos3gov3rnm3nt5]

It’s not interest rates are the problem. It is the prices of the homes prices which are inflated like crazy

[@Trd2020]

This

[@legendbe2023]

Tell me something that's not inflated.

[@chilipepper9938]

All because blackrock started buying single family homes

[@andresmattos7541]

​@legendbe2023 my genitalia

[@Luccient]

exactly... i don't understand why i should be happy about interest rates going down when that's only going to shoot up prices in my area.

[@friscioni12]

Who cares about the mortgage rate ? Property taxes are SKY HIGH !!!

[@aw5832]

I care

[@Flush0000]

People care

[@winniethepoohandeeyore2]

It matters

[@yepdontcarebud]

People who haven't already locked theirs in, dbag.

[@jockwithajoystick6851]

@@winniethepoohandeeyore2absolutely it matters. That interest rate directly impacts your monthly payment. I don’t agree with taxes but that at least has the possibility to go towards something productive for the community (but probably not). The money from interest is just revenue for the bank lol

[@appleztooranges]

Good bye HYSA

[@blahblahblah-uw4uf]

hello equities

[@toulor3403]

Yup. That safe 4-5% is going going gone. And it's back to equities. And choosing stocks of safe EFTs.

[@BArtleDoo92]

It was nice knowing you 5% 😢

[@John1908-vo1iv]

​@@toulor3403no, I am buying land. Thanks

[@molonelabe4202]

There is Nothing "Federal" about The Federal Reserve

[@MrBrewman95]

Or reserves. 😂

[@molonelabe4202]

@@MrBrewman95 that's funny and true as well

[@TANQ31]

They federally screw you

[@kimberbergstrom2166]

YOU ARE ABSOLUTELY RIGHT!😂😂😂😂 POLITICIANS SUCK THE FEDS SUCK

[@gunwhores]

About as federal as federal express 😉

[@FijiBlueM00gie]

Even interest rate goes down houses are still too expensive. From 5k a month to 4K a month . Is like a trap to lure you in to buy a house.

[@FindTheTRUTH337]

Yeah, luring us all into insurmountable debt

[@yayadee7895]

Rents are expensive too 🤷🏻‍♀️

[@jimmyjay689]

How much u spend on rent? Lol

[@charleslavoie5402]

Mort gage Means: mortally engaged

[@FaintAura]

Economy is cooked.

[@alexdavidson7785]

Been simmering

[@newdecca]

Burnt at this point.

[@huskerfootball42]

Bidenomics is working!

[@GTRrocker84]

@@huskerfootball42 No political party or politician actually cares about working people.

[@roymoxley2587]

@@GTRrocker84Because they all work for the bank crime syndicate

[@workstuff-u9m]

How convenient they're doing this around presidential elections!

[@Terroratmidnight]

These are annoying comments

[@mikesullivan1]

Facts hurt​@@Terroratmidnight

[@TR-xb4ih]

@@Terroratmidnight they’re not wrong though. every 4 years the issues americans actually care about are finally brought to the surface, only to be buried for another 4 years after the election is over.

[@mikesullivan1]

@@TR-xb4ih just like gas prices are going down too.

[@J-Rod73]

Just in time. They love you!! 😂

[@fueledbymusic3]

Lower interest is just going drive up the price of home all over again

[@Travisb238]

Only if people are willing to buy at these insane prices. Hopefully they aren't.

[@andrewsnyder9262]

Low supply and growing demand. Make borrowing cheap Again and we will see massive inflation in real estate again. There is no way around This.

[@prettyyoungthingpyt5015]

Yup.

[@Flush0000]

​@@Travisb238you know they are

[@These-times-are-awesome]

Good. I hope they rise astronomically.

[@facemakerable]

we are waiting your podcast finally thank you

[@AlexFlavell]

I second that!

[@joemomma707]

This man is the absolute best. I see his video, I click, I like, and I enjoy. I’m in the process of selling and buying a new build. Obviously leaving a great rate for a high rate. But the new home is perfect.

[@kwaichangcaine8234]

Absolutely love this guy !

[@Zeroeah]

Remember, if houses rise by 20% if the same house falls by 16.5% ish it's the same price. I feel like this concept of simple math is often overlooked. I think the biggest fear that is being pitched is that we've established a new floor with the pricing data and the idea that prices can't fall below this new floor. For example it will always be on the unaffordable side of the graph instead of the undervalued side of the graph. If we draw a linear line to show fair market value increase over time this line is being misrepresented as the lowest possible part of the graph instead of what it really is. If you are a 2 person working household and you can pay your bills and put anything away at all You will be fine, just wait for the damn thing to break. Whether it being the cost of manufacturing homes falls to a very affordable price or Supply and demand [I'm tired of hearing this as a baseline for all arguments] in the form of deaths or increased cost of ownership doesn't matter the result is the same. My money is personally on the idea that Millennials would rather live the apartment life due to lack of interest in maintaining a yard, trade skills, and the lack of family building with the living rooms/dining rooms/garages becoming obsolete for this group of home buyers.

[@itguru2037]

Correct most millennials are going to live in apartments. Just like you said

[@richardextall2002]

The problem is the failing $$$. Every year, it's worth less and less.

[@J-Rod73]

You mean falling $$$? Yes indeed.

[@MichaelJordan-jz7kw]

@@J-Rod73failing. Its failing. And the world will no longer have to pay USD to get our muslim oil. Dollar will loose so much value.

[@Saki630]

you can leave to another country

[@spencerathearn3586]

​@@Saki630 so leave the country because both parties screw us over

[@joemama69448]

Bitcoin

[@tash0608]

Soon in usa the biggest problem will b auto insurance as welll....going up crazy

[@joelballard4955]

Do we care about interest rates? I don’t. I only care about prices and taxes.

[@AnonymousPerson0182]

Thank you.

[@Christy_RN212]

Interest rate is the only variable. We can’t change taxes, fees, etc.

[@matthewm3912]

This month our water/electric bill was 350 bucks. It never broke 200 bucks three years ago.

[@andrewsnyder9262]

My electricity alone was 350 for 1500 sq ft. Water was 120. My utilities have gone up about 50% since 2020

[@goat1941]

Electric in southern CA is $1200/mo in summer when you have to run AC

[@judygruenfelder1775]

very true. Install solar panels. 😅

[@matthewm3912]

@@judygruenfelder1775 the cost is not worth it. It takes decades to recoup the investment.

[@BA-sw5dn]

Interest rate goes down, house prices go up. Problem solved!

[@RG-qq9eu]

The opposite is supposed to happen too, but when rates went up, the prices still went up.

[@tongtongwang]

@@RG-qq9eu because the lock effect. rate go up. no body want to sell. inventory is low, so price is still up.

[@nical9701]

Or rates go down. Surging inventory. Home prices go down.

[@tongtongwang]

@@nical9701 maybe... but it is hard

[@ssrat]

@@nical9701 Where is the opportunity for surging inventory?

[@nitroneonicman]

They won't go down low enough. If the Fed cut rates by a quarter basis point at every single meeting through the end of the next year, rates will still be too high for these prices.

[@Iloveak123]

Just came back from Walmart, 5 dozens of eggs cost $23 now, it was $7 pre covid.😢 Washington state.

[@ScottSmith99-c5p]

You mean pre Biden

[@pb25193]

​@@ScottSmith99-c5p no he means pre COVID. Trump started COVID.

[@liverpool3469]

It is here $40 for 5 dozens, Alberta, Canada... I would be glad to pay $23... so happy...

[@squashua16]

Canada money is toilet paper.

[@MrCharlie0227]

Raise your own chickens and get out of subdivision.

[@253Ness]

Living in a van probably best way to live in US until government finds a way to make us pay property tax on our cars also 😂.

[@jeffreystanley4991]

There is literally property tax on cars already. It’s part of your yearly registration fees.

[@381delirius]

We need to build more supply! More apartments, more bungalows, Cutting Single family zoning laws, Cutting minimum lot and home size laws and just keep building as much as possible.

[@lewieanderson6579]

Nope, just boot out the illegals

[@fuzzresponder2225]

Sadly as the rates go down, home prices will go up as well as inflation!

[@mattmatt7998]

As I'm watching this video, the only hope I have right now to increase my money are these 3 scratch off tickets I bought and will scratch while I watch your informative video 📹 👍 THANKS AND WISH ME LUCK 😅🙂

[@Chinunit22]

Once the mortgage rates drop, there going to be bidding wars

[@wittyedge]

When, in 2026 when maybe the rates are back to where they were in 2021?

[@matthewm3912]

No there won't. Prices are too high still. Everyone is over it.

[@FindTheTRUTH337]

good points dropped by all here

[@Flush0000]

​@@matthewm3912 Low interest rates will equal lower payments even lower then rent which will cause people to buy

[@jeremiahm1413]

Total bull. Prices are through the roof. There will NOT be bidding wars....

[@rxdoctordaddy1795]

I think housing prices will stay the same and will appreciate over time at a slower pace.

[@Shaftya_McNasty]

Hoping for 3-3.5 so I can get out of Illinois.

[@tdgdbs1]

Not until inflation is below 2%, so not likely anytime soon.

[@markbrtrnd4759]

If your planning on voting for Kamala stay in your blue state of Illinois. 😂 enjoy 😉

[@joemomma707]

Have fun staying there. You never leaving if you need 3-3.5😂😂😂😂 Not happening Ever

[@Flush0000]

​@markbrtrnd4759 Naw, we're going to move by you and turn your state true blue.

[@Saki630]

lol when its at 3% in 2040 you will say you need it to hit 2% before you can afford it

[@thepollenhater]

I find the exasperated way you deliver each video to us the funniest thing ever. Here for the I-just-want-you-to-not-fuck- up-your-life Dad vibes 😂😂

[@stacy1541]

Lmao I've also wondered about all the sighs. Too funny.

[@AnonymousPerson0182]

He's ridiculous.

[@qdood]

Have a great day everyone

[@gerry5786]

you too!

[@sneekydealz]

I’m done with this. Interest rates are not the issue. People will raise the price of homes when rates drop and they haven’t fallen. You best believe that all the real estate empire guys are like “please lower rates so I can increase the price of my home again”.

[@manuhernz2745]

If home prices don't go down and instead keep going up because of inflation and supply and demand, then interest rates are irrelevant in my opinion.

[@scottstebbins2841]

Just because the Fed cuts the rates doesn’t mean the banks will pass this on to home buyers.

[@Hdhfhhdh]

For all people complaining, if you vote for the same party again and expect different results , that’s the definition of insanity

[@NadertheGreat100]

Voting for blue/red makes no difference when they both work for the same overlord.

[@drewbittle3888]

Another brainwashed righty

[@AnonymousPerson0182]

🙄

[@brianhill8974]

Interest rates are not the problem. Affordability is the problem but enough stupid people think interest rates are the problem😂

[@jimmyjay689]

400k at 4% alot better than 350k at 6.5%

[@brianhill8974]

@@jimmyjay689 350K is still overpriced compared to the lack of wage increases as opposed to home price increases

[@itchyisvegeta]

​@@jimmyjay689I'd rather have $350k at 6.5% over $400K at 4%

[@jaredf3381]

Home prices are not only determined by wage increases

[@itchyisvegeta]

@jaredf3381 and the supply of homes on the market. Increase the supply of housing, you lower the prices to compensate for demand.

[@Dreamwalker444]

Best and most reliable channel ever created ❤

[@StephenLim]

My unrealized gain from house prices and property tax is killing me. True hidden tax

[@mrprfct7069]

The probability has tipped 55/45 today. Willing to bet rates will be 1% lower by end of year.

[@roymoxley2587]

No only .50 percent of Bet

[@jrobbins8058]

Interest rates go down prices go up. 25K helicopter money for new buyers, home prices go up 35K must be an election year.

[@Deandre-gq6mg]

i think the federal reserve is just gonna decide that 3% inflation is the new norm

[@joemama69448]

That's been my hunch for the last several years.

[@These-times-are-awesome]

Good for my rental properties

[@TJ-Stackin]

​@@These-times-are-awesomegood for the stock market

[@These-times-are-awesome]

@@TJ-Stackin and realestate

[@Metal_Stacking]

Great for assets and tax revenues. Horrible for the younger generations.

[@zombijoe584]

Brian You're the best! We'd all be lost without you bud ❤

[@fabbz94]

Lets see how low rates get.

[@650CA]

thank you for the update!

[@clintjmathewson]

Great information. Great channel

[@arinco6944]

People need housing immediately. Convert office buildings into condos or apartments.

[@dhanalakshmikaruppaiah2736]

Good Afternoon Brian!I never miss to watch your videos at the first.

[@christinah.8504]

it's Brian , not brain , lol!

[@marthasterr449]

Cost of living and mortgage insurance and taxes are the real issue my budget is not bottomless like congress.😮

[@alexgg7499]

This is so dangerous we heading to the biggest recession ever

[@SuperChriz92]

They are projecting mortgage rates not dropping below 5.5% till 2026. Leaving home prices still wildly unaffordable. One would then take an educated guess that prices may stay flat in 2025 so long as the jobs market remains stable.

[@joemama69448]

Who is they?

[@vladimirofsvalbard9477]

Hilarious! I can qualify for a 6.2% rate right now. I'd imagine I can get a 4.75% by March and probably 3.75%-4.00 by September 2025.

[@JoseLeonelJaime]

Government loans are already mid 5’s

[@SuperChriz92]

@@JoseLeonelJaime sure some people are eligible. But again even with that, the base price of the homes are still too high. The mortgage bankers assoc just released data on mortgage apps being at their lowest point since 08. If nobody is willing to pay, prices have to correct.

[@Metal_Stacking]

Wrong and wrong. ​@@SuperChriz92

[@thefatherthesonandtheholys9508]

Love your straightforward and factual presentation of information!

[@Funded...]

We all are COOKED

[@Manfran]

The second I find an available home for sale, I call and it’s under contract!!! 😢

[@brandonpatterson5705]

Housing is up 200% in 10 years. Total bs. The American dream is unaffordable thank you greedy bastards. 😂

[@user-wp5xq4jm9h]

You say greedy but in reality that's just inflation. Us dollar isn't worth the paper it's printed on.

[@wi11ialvl]

I'm guessing the decline in mortgage applications will help allow interest to drop as well.

[@umaira8271]

Brian is a G!

[@qdood]

🥈

[@ahmadhuseynli2073]

The point is even if it goes down then the price of houses will go up due to higher demand.

[@WildlifeWonders25]

Thank you again for the great and informative videos, keep them coming!

[@kwaichangcaine8234]

Property taxes are killing me here in Cook County Illinois.

[@marvinphillips1326]

Those who believe (🙏) that mortgage interest rates will fall to 4% by the end of 2024 are those who believe in the exciting, new weight loss supplement.

[@jonkaru_supreme9165]

I’ll be happy if home rates go down to at least 3.5% so I can refinance my 5.5%😢

[@reaper-sz5tm]

Goodluck ever getting a 3.5% ever again

[@21FILTHY]

Haha I'm waiting for them to hit 5.5% so I can refinance my 7.5%! If they go down more even better!

[@squirtohh]

if it makes you feel better my rate is 6.49%

[@edisgracanin3951]

Bro I'm at 6.78😢😭😭😭

[@ryaj2356]

@@reaper-sz5tmit’ll happen by 2026. He may not get 3% but 4% is completely possible.

[@loungelizard3922]

Top 5 comments say interest rates don't matter to them, well my mortgage alone is 50% of my income, and 5/6ths of that is purely interest. I would quite like that fraction to be lower thanks.

[@TortugaDeRio]

Oh, and when they cut they'll cut FAST its not going to be a gradual rate cut.

[@kevo212]

sure they can build but in more desirable cities, you dont have room to build so supply doesn’t really increase ever. our homes will keep going up in value

[@georginacruz2871]

Thank you 🙏 we are waiting for interest rate to go down to refinance..

[@georgewilson7706]

Why would anyone listen to an accountant on predicting interest rates?

[@LizEstrada-yp7tq]

Interest rates are cut. Interest on CDs and bonds are cut. Lenders continue to charge whatever they want. Got it.

[@sirwinston-nk6vt]

Prices of everything will never come down ever, new normal

[@Shy-807]

If the interest in the US gets cut, how does that affect the interest rate in other countries?

[@fabuloushostess6171]

It doesn’t. This is for people in the us only.

[@joesmith3590]

Generally the world either cuts before or soon after the USA. With the USA being the largest consumer and the dollar being the global trade currency it become hard to trade if they do not. The reason is if the fed moves and your country does not soon your currency will either lose or gain value and that effect exports imports and currency trading in USA dollars that is needed for most goods.

[@CesarLopez-lp3nr]

Please let us know when to refinance. I got my home at 7.5%, $400k. My mortgage is $3200 monthly. I want to refinance once its in the 5's. Also, I plan to pay this house off in 10 years

[@sang8720]

You can do zero cost refinancing. You can refinance every 6 months. I did zero cost refinancing during covid. My rate went from 3.5 to 2.5% it didn’t cost me anything. Granted the rate could be lower if i paid 4-5k but I didn’t want to do that.

[@donloz9000]

Can’t refinance if ppl are already negative equity

[@CesarLopez-lp3nr]

@@donloz9000 I am not negative, my house was appraised at 560K last month

[@donnyarmstrong9559]

I know that its been said a thousand times before, but I want to add to the pile... Thank You Brian for everything that your doing for us! I have been watching you since early COVID days, and even though your topic's aren't always of interest to me, I do watch fairly faithfully. Living my bets La Vida Loca here in south eastern Arizona

[@jeffc8918]

When has the federal reserve ever been right and do what they said they were going to do?

[@gatomeawscle4242]

Thank you

[@johnathandye5244]

They need to come down at least 2%

[@Madv_369]

I shall wait then my friend

[@krypt00wl60]

Thanks for sharing wisdom 🙏 🙌

[@lutherl4473]

I’m going to go against all and say the feeds will not lower interest rates 😂

[@TheMexenrique]

I’m with you too! We shall see each other back on the 18th on this comment🎉

[@FusionLab88]

12/1/26 3.5% rates

[@ryaj2356]

I’m guessing it’ll be lower, near 3% or 2.75%.

[@PerfectSwagHD]

That’s not gonna happen because of inflation

[@arshiaprogaming7947]

We are not going below 4%

[@TheTurdballs420]

🤣🤣🤣 This comment will age like milk in the sun

[@FusionLab88]

@@arshiaprogaming7947 we will see

[@kdefensemartialarts8097]

Thank you for your videos.

[@TwoCaptainsOneShip]

Always great info Brian!

[@cakeismtrader4227]

Canada cut another 1/4 % today

[@FindTheTRUTH337]

How are the house prices?

[@letsgobrandon911]

Interest rates are not the issue, its the high prices and the insurance and property tax.

[@koko-zy8xd]

The rate cut from now to 2026 will not go under 5%. Watch! The 3% & 4% is over ..

[@jjs5191]

I hope low enough to sell my farm in East Tennessee

[@Theextremepessimist]

Demand has to cool.

[@bryceb3194]

These videos are so great! No bs, just quality info. Thank you.

[@andymiller969]

Thanks!

[@TheArtOfDean]

Thank you again for the updates.

[@squashua16]

We need to lower rates and cut gov spending

[@markhix_realtor]

Property taxes being sky high is subjective to your state. Rates going lower will make demand pick back up if the economy is not in shambles.

[@vladimirofsvalbard9477]

I'd say probably anywhere from 3.0 - 4.5% MAX in 2025. Regardless, it will spike another round of high inflation. People will feel like they got hit by a freight train in 2026/2027 when prices shoot back up.

[@These-times-are-awesome]

The higher the better 🎉🎉🎉🎉

[@lilpenguin092]

If it stays below 10% we're in good shape, there's a storm comin'

[@averagewelder750]

As of right now interest rates are down.

[@lisajpsnowpeak431]

If rates go down home prices will just go up along with inflation. Leave the market alone.

[@These-times-are-awesome]

It’s so exciting 🎉🎉🎉

[@gyrate98]

I hope they go up! Leave my luxurious high rates alone!!!!!!

[@jonathanjacques7250]

💯

[@roymoxley2587]

Agree hell yes just redid my 2 cds in bank I beat them before the cut this month

[@THEPRESTIGEWORLDWIDE]

AFTER THEY CUT AND RATES ON MORTGAGES GOES DOWN JUST WATCH THE INVENTORY EXPLODE AND PRICES FALL.

[@jonathanjacques7250]

😂

[@micker9830]

I love those chances of rate cuts they show. They have had a zero % chance of getting it right, in the last year lol.

[@melissahall7009]

Thanks!!! So helpful