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Category: General Mortgage Info.
What’s REALLY Happening in the Housing Market?
As we head into the tail end of 2025, let’s break down the latest trends in home prices, inventory, and mortgage rates.
- Portland home prices are up—but just slightly
- Inventory is at its highest since 2019
- Mortgage rates are easing (a little!)
- Tips for first-time buyers & homeowners
- Insights on second & reverse mortgages
Whether you’re buying, selling, or just curious, this quick update will help you navigate today’s market with confidence.
ARM Mortgages: Should You Get One in Today’s Market?
30-Year Fixed vs. 7/6 ARM — Which Mortgage Is Right for You? Thinking about going ARM to save on interest? Here’s what you really need to know in today’s market: ARM rates aren’t much lower right now — the yield curve is flat. Today’s rates (around 6.5%) are actually normal historically ARMs only make sense if you’re sure you’ll sell or refinance before the rate adjusts. Always compare total payments, not just the rate. Still unsure? Let’s run the numbers together. Reach out today!
Housing Market”: Timing Your Purchase in Q3
Still thinking about buying a home in 2025? It’s not too late!
I’ve got good news: home inventory peaks in Q3, and prices often dip after summer—making now a great time to buy. If you’re a first-time buyer, stay focused, and reach out if you need help financing your purchase.
Watch the video to learn how to take advantage of the current market!
Waiting for Better Market Conditions? They’re Already Here!
https://youtube.com/shorts/wDDuO4lVmOQ?feature=share
A recent survey shows that for every first-time homebuyer who bought a home last year, three more are still waiting for the “right time.” But here’s the good news: Better market conditions are happening NOW!
Q&A: First Time Homebuyer- Nail Loan Preapproval Timing!
Thinking about buying your first home? One of the biggest mistakes new buyers make is waiting too long to start the loan preapproval process — and it could cost you your dream home!
Home Buying in Uncertain Times: Expert Advice 2025!
Thinking about buying a home but feeling uncertain? You’re not alone—and your concerns are valid. But what if history could offer some clarity?
From inflation to recessions, we’ve seen tough times before—and yet, home values have continued to rise.
There are tools that can help you navigate today’s market.
Q&A: Jumbo Mortgage 2025 – What You NEED to Know!
Not sure what a jumbo mortgage really is or why it matters? In this quick video, I break down the key differences between jumbo and conforming loans—and what it could mean for your homebuying journey. Don’t miss these insider tips that could save you time, money, and stress!
Economic Uncertainty: What Does It Mean for Home Buyers?
https://youtube.com/shorts/mebf9lZKatw?si=_NwOkGp9qE7HtwsB
Consumer confidence is down, and economists are predicting a possible recession. This has led many buyers and sellers to delay their decisions. But could this be an opportunity for you?
Watch the video to find out how current market conditions might benefit you as a buyer.
Spring 2025 Housing Market Update: Balanced and Steady Growth
Welcome to Q1’s rate update! With all the uncertainty in the world, many are asking about the state of the housing market. As we wrap up Q1 2025 and move into spring, here’s a quick overview:
- Housing Market: The market is “Goldilocks” – not too hot, not too cold. New listings are increasing, and net inventory is growing, meaning supply is outpacing demand.
- Home Prices: Home appreciation in Portland is up 3% year-over-year, slightly below the national average of 4%. Prices are rising more gradually compared to previous years.
- Interest Rates: Rates have fluctuated between 6-8% since September 2022, averaging around 7%. Recent tariff announcements caused a spike, but rates are now trending lower again.
- Buyer/Seller Tips: Sellers might consider offering credits or concessions for interest rate buy-downs to attract buyers.
If you have questions or need assistance with housing transitions, feel free to reach out. We’re here to help!