So Many Questions...
A 2025 Mortgage Market Update
By Ryan Skaggs VP Mortgage Lending As we step into 2025, the housing and mortgage markets find
accessibility and interest rates. Clarity on their future could simplify lending guidelines, benefiting borrowers and lenders. What This Means for You Planning ahead is crucial. Whether assessing your finances or finding the best market entry, staying informed and agile will be your best tools. With expert guidance, you can navigate these changes confidently. Real Estate: A Long-Term Win Despite short-term uncertainty, history shows real estate values rise over time. The FHFA reports U.S. home prices have grown 4.6% annually since 1991, even through downturns. North Shore markets reflect even stronger resilience, reinforcing the value of homeownership as a stable, wealth-building investment. Closing Thoughts Now is the time to take charge of your financial future. Whether you’re exploring bridge loans, home quity lines for renovations, assessing affordability for a new home, or tapping into first-time buyer programs, I’m here to help. Let’s connect to craft a strategy tailored to your goals and navigate today’s opportunities with confidence. -Your Mortgage powered by Your Neighbor-
themselves at the crossroads of uncertainty and opport- tunity. Home-
owners across the North Shore and beyond are asking critical questions that could shape their financial decisions in the months ahead. Here are three of the most pressing questions and why they matter to you: 1. Who Will Be the Next Treasury Secretary? The Treasury Secretary influences fiscal policy, housing initiatives, and economic stimulus, which affect mortgage rates and lending conditions. This impacts refinancing affordability or purchasing a second home. Housing-friendly policies could stabilize markets and boost confidence among buyers and sellers. 2. Will the Fed Cut Interest Rates? After years of rate hikes, many wonder if 2025 will bring cuts. Lower rates could mean reduced mortgage payments, easier financing for buyers, and more market activity. This decision will shape household budgets and the real estate market’s momentum. 3. Will Fannie Mae and Freddie Mac Exit Conservatorship? Since 2008, these entities have operated under federal conservatorship. Privatization could reshape mortgage lending, influencing loan
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