Mortgage Interest Rates Will RESHAPE The Housing Market

[@TheEducatedHomebuyer]

✅Connect Directly With Our Team - www.theeducatedhomebuyer.com/expert ➡Mortgage Interest Rates Will Stay HIGH - kzbin.info/www/bejne/eYqTaJuYlJuLjrM ➡Mortgage Interest Rates Just BOTTOMED - kzbin.info/www/bejne/d5fIk4KVh9eUntk

[@jscottbradshaw]

2025 mortgage rates will be higher or stay close to the same as 2024. They are based largely on treasury bonds (and they follow inflation etc) and how much Fannie/Freddy buys. 25 will be a brutal real estate year but 26 and 27 will be much better. When you see energy prices drop, you’ll see mortgage rates drop. The fed just dropped the rate recently and mortgages went UP.

[@lavoisier2815]

It's not the interest rate that affects your ability to Purchase it's the Price of Houses. The Low interest Rates Drives up inflation. The only thing that will Stabilize the Housing Market is a Dramatic Drop in Prices and high interest Rates.

[@ianaguilar8090]

Ya but they’re connected. Houses tend to be higher when interest rates are low because sellers know people can get good rates and afford a higher housing price. Vice versa when interest rates are up. Only reason prices are still up now is bc these people don’t want to let go off their investment besides nobody buying and they can always just rent the property if nobody is interested in buying. And bc I think there is a price lag when interest rates rise. Eventually these people will have to sell if buyers hold out long enough

[@TheEducatedHomebuyer]

If you want to cover one eye and only look in one direction, you only get to see a part of the picture. Buyers are willing to spend a percentage of their household income to own their own home. The percentage required to buy is based on home prices, wages, and....wait for it....interest rates. Of those 3 factors, rates are far and away the most volatile and therefore the most likely to cause a significant change in affordability over the short run.

[@lavoisier2815]

@@TheEducatedHomebuyer You've said a Lot but i Bascially agree with you.

[@janesylvaniausa6680]

Yes housing prices are inflated. They need to come down.

[@lavoisier2815]

@@janesylvaniausa6680 The High Prices will cause you to also Pay higher Property Taxes Insurance and Maintenance which a lot of People don't Consider. That's why a lot of People are having Buyers Remorse.

[@dinaramcmoore265]

i really like watching your podcast. Thank you!

[@TheEducatedHomebuyer]

Thank you..............Appreciate you. Happy Holidays

[@esduardofuentes637]

Rates are @ 7.1% and not going lower than 6.5% for 2025

[@TheEducatedHomebuyer]

wanna bet?

[@esduardofuentes637]

@@TheEducatedHomebuyerbet for rates going and staying lower than 6.5% or going lower than 6.5% for a week or day of the year?

[@TheEducatedHomebuyer]

Rates were below 6.5% for about 60 days in 2024 and about 90 days in 2023. We'll take the over for 2025. Stay tuned.

[@esduardofuentes637]

@@TheEducatedHomebuyer I take that bet sit. I’m looking at the rates now and don’t want to drop lower than 6.9% it’s at 7.19% now

[@user-ms3ko5gn8e]

It's expensive houses & high interest rates that make homes unaffordable. Especially sense my household earned 20k less just this year. Not enough work to keep my husband busy in construction.

[@michael5619]

In a stable market with mid range rates, prices are negotiable and contingencies are considered and inspections serve the buyer better.

[@TheEducatedHomebuyer]

which market?

[@michael5619]

@TheEducatedHomebuyer the ones prior to socialist Keynesian incessant printing of money, government backed loans, bailouts and other incentives.

[@JohnDoep]

Annnnd rates continue to climb …

[@realestateJayson]

I think rates by end of 2025 will be 6.15% - 6.35% 4:07

[@MakuLabs]

What if the rates go to 8%?

[@jscottbradshaw]

I think we will see that in 25

[@MakuLabs]

@jscottbradshaw it'll be fun to evaluate that when rates go that higher, 30y bonds will also go higher similarly. Hence if there's an arb opportunity to stretch the mortgage by letting the 30y bond interest pay off the interest and let the inflation eat away at your principal.

[@darksideofthemoon19]

Meh, rates are probably staying 6-7% next year. But housing is going to keep going up slightly. 2026 is where we need a Nostradamus since that’s going to be an interesting year.

[@Haloking1212]

Housing prices are already on the decline in many states or flat highly doubt they going up

[@TheEducatedHomebuyer]

Interesting take....ResiClub surveyed 16 economists and they expect prices nationally to increase 2.2% on average. The high estimate is a little crazy at 10.8% so go ahead and throw it out. That leaves 15 estimates from a high of 5.0% to one prediction of a drop in prices of -.4%. "Experts" aren't infallible so anything is possible but 12 months from now it's very likely we're looking at 2-3% higher home prices. Every market is local and some will see flat or even lower prices. It's critical to know your market if you're thinking about buying.

[@gavyn54]

With home prices up and rates even at 6% it's too expensive to move up in home even for one more bedroom I would be doubling my house payment.

[@TheEducatedHomebuyer]

That's definitely been the consensus over the last 3 years but a growing minority of people are making the jump. 2025 will be interesting.

[@Iwish4zombies]

If you bought before 2020 use your equity appreciation for a bigger down payment.

[@whalerlife53]

If the rates drop with any significance, home prices will not stabilize. The price of houses will increase. Period.

[@TheEducatedHomebuyer]

all depends on the amount of inventory that is built up. Prices increasing is not a problem, prices increasing 5%+ yoy is a problem.

[@chuntsechien]

my guess is high 4 low 5 percent 2 years after he takes the office

[@TheEducatedHomebuyer]

That would be a really good outcome. Low enough to help, not so low as to cause problems. Let's hope you're right.