Mortgage Market Insight: What’s Next for Homebuyers & Homeowners in 2025

At Kingdom Lending LLC, we’re committed to serving with integrity, and excellence. As the housing market continues to shift, understanding current trends can help you make the most strategic financial decisions for you and your family. Here’s a current look at where things stand — and what’s coming next.

🔢 Mortgage Market Insight #1: Rates: Holding Steady (For Now)

As of July 2025, average 30-year fixed mortgage rates are sitting around 6.74%. Leading analysts expect rates to remain in the 6.6% to 7% range through the rest of the year. Even with a potential Fed rate cut later in 2025, significant mortgage rate reductions are unlikely until at least early 2026.

🏠 Mortgage Market Insight #2: Buyers: Opportunity Lies in Preparation

Affordability Is Tight — But Strategies Exist: High rates are keeping many buyers on the sidelines, but those who act now can benefit from seller-paid rate buydowns, closing cost assistance, and reduced competition in softer markets.

Prices Are Slowing: National home price growth is softening, with forecasts suggesting only 1–2% appreciation in 2025. That means this may be your window to buy before demand rises again.

Local Trends Matter: California tech markets remain competitive, while areas like Florida and parts of the Southeast are seeing price drops and more motivated sellers.

🔁 Mortgage Market Insight #3: Refinance: Be Ready to Strike

If you bought or refinanced in 2024–2025 and your rate is above 6.9%, even a small dip into the low-6% range could create a strong refinance opportunity. Cash-out options, debt consolidation, and shorter loan terms may also make sense — and Kingdom Lending will help you run the numbers to decide.

👑 What Kingdom Lending Recommends

✅ Buy now, refinance later. If you’ve found the right home, we’ll structure your financing wisely today — and revisit a refinance when rates drop.

✅ Use seller credits. Let us help you negotiate a lower monthly payment through seller-paid points or concessions.

✅ Refinance strategy planning. We'll run your break-even analysis and get you positioned for the next market shift.

✅ Explore all products. From Conventional, FHA, VA, and Jumbo to ARM, HELOC, and Reverse — we offer personalized loan options for every stage of life.

💬 Contact Kingdom Lending Today

We combine industry knowledge with Kingdom values to help you build a stronger financial future — one wise decision at a time. Don’t miss your opportunity. Whether you’re purchasing your dream home or refinancing into something more affordable, Kingdom Lending is here to help you make wise, strategic moves.

📞 Call or Text: 602-730-1217

📧 Email: support@kingdom-lending.com

🌐 Website: www.kingdom-lending.com

📝 Apply Now: https://2719016.my1003app.com

Your Home. Your Equity. Your Legacy.

Let Kingdom Lending help you navigate today’s market with clarity, strength, and purpose.

A house made entirely of hundred-dollar bills symbolizes the concept of real estate investment and financial wealth.