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There are more challenges ahead for the 2025 housing market as rising property taxes and homeowners’ insurance premiums present a mounting challenge to the financial health and decision-making strategies of homeowners. It’s important for homeowners and prospective buyers alike to understand the implications in this environment. Today we will discuss what this could possibly mean or the 2025 market ahead.

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PODCAST ARE OPINIONS EXPRESSED BY LICENSED REAL ESTATE AGENTS IN DIFFERENT REAL ESTATE MARKETS. DO NOT BASE YOUR HOME PURCHASE OR SALE ON THE OPINIONS EXPRESSED IN THIS STREAM. ALWAYS CONSULT YOUR LOCAL REALTOR FOR YOUR MARKET CONDITIONS.

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The 2025 mortgage rate forecasts are already outdated due to unexpected inflation data and a hawkish Fed meeting in December, which pushed rates back above 7%. Most analysts had anticipated rates hovering in the low 6% range for the year, but the current outlook suggests rates may remain elevated, with some predicting volatility between 5.75% and 7.25%. Factors like inflation, job market data, and bond spreads will influence whether rates ease lower or spike higher. With recent history showing volatile mortgage trends, 2025 is expected to be another unpredictable year for homebuyers and forecasters alike.

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PODCAST ARE OPINIONS EXPRESSED BY LICENSED REAL ESTATE AGENTS IN DIFFERENT REAL ESTATE MARKETS. DO NOT BASE YOUR HOME PURCHASE OR SALE ON THE OPINIONS EXPRESSED IN THIS STREAM. ALWAYS CONSULT YOUR LOCAL REALTOR FOR YOUR MARKET CONDITIONS.

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Jeb Smith’s analysis of Trump’s potential housing policies overlooks key challenges. While he highlights tax cuts, deregulation, and infrastructure investment as positives, he underestimates the risks of labor shortages from stricter immigration policies, rising construction costs from tariffs, and inflation-driven rate hikes. In this livestream we will discuss Jeb's optimism about privatizing Fannie Mae and Freddie Mac also ignores the potential for higher mortgage rates without government backing. The reality is, even with a stronger economy, affordability could worsen due to tight inventory and rising prices. Smith’s advice to focus on personal readiness is sound, but his rosy outlook on Trump’s policies misses the mark.

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Less than 25% of homes in the U.S. are being sold to first-time buyers, marking an all-time low. High home prices, averaging $501,000, and interest rates between 6-7% are major hurdles for prospective buyers. While housing inventory has increased slightly, the market remains tough for younger buyers, with the average homebuyer now 56 years old. Corcoran believes that a drop in interest rates to 5% could ignite the market, while rates rising to 7% would likely slow it down significantly.

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THIS PODCAST ARE OPINIONS EXPRESSED BY LICENSED REAL ESTATE AGENTS IN DIFFERENT REAL ESTATE MARKETS. DO NOT BASE YOUR HOME PURCHASE OR SALE ON THE OPINIONS EXPRESSED IN THIS STREAM. ALWAYS CONSULT YOUR LOCAL REALTOR FOR YOUR MARKET CONDITIONS.

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Zillow’s 2025 housing market forecast anticipates a "bumpy" year, with home-price growth of 2.6%, aligning with this year’s growth, and 4.3 million existing-home sales projected. Rising inventory, particularly in the Southwest, could shift leverage toward buyers, though elevated mortgage rates and economic uncertainties pose challenges. Donald Trump’s proposed tariffs and immigration policies may drive up costs for homebuilders, exacerbating affordability issues and impacting new-home sales. Other forecasts vary, with HousingWire expecting 4.2 million sales and 3.5% price appreciation, while Fannie Mae and MBA project 4.3-4.5 million sales, reflecting differing views on the impact of economic and political factors on the housing market.

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PODCAST ARE OPINIONS EXPRESSED BY LICENSED REAL ESTATE AGENTS IN DIFFERENT REAL ESTATE MARKETS. DO NOT BASE YOUR HOME PURCHASE OR SALE ON THE OPINIONS EXPRESSED IN THIS STREAM. ALWAYS CONSULT YOUR LOCAL REALTOR FOR YOUR MARKET CONDITIONS.

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Families are facing escalating housing costs, with the median family in the U.S. now needing 38% of their income to cover mortgage payments on a median-priced home, according to the National Association of Home Builders/Wells Fargo Cost of Housing Index. Low-income families fare worse, often spending up to 75% of their earnings. The burden is especially severe in coastal areas like California, where homeownership is often out of reach without a six-figure income. San Jose-Sunnyvale-Santa Clara, CA, leads as the most expensive market, with families needing 85% of their income for housing. In contrast, more affordable markets like Decatur, IL, and Cumberland, MD-WV, allow families to spend just 16-18% of their income on housing. These disparities highlight the growing challenges of housing affordability across the U.S.

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PODCAST ARE OPINIONS EXPRESSED BY LICENSED REAL ESTATE AGENTS IN DIFFERENT REAL ESTATE MARKETS. DO NOT BASE YOUR HOME PURCHASE OR SALE ON THE OPINIONS EXPRESSED IN THIS STREAM. ALWAYS CONSULT YOUR LOCAL REALTOR FOR YOUR MARKET CONDITIONS.

TO HAVE YOUR QUESTION HEARD ON NEXT WEEK'S PODCAST, CALL 888-255-0197!

The fate of the housing market in 2025 appears to hinge on a continued period of mortgage interest rate stability, providing a more predictable environment for buyers and sellers alike. Mortgage rates are stabilizing following recent election results. Real estate experts suggest rates may remain in the 6% range into 2025, with volatility as the bond market reacts to economic policies. While presidents don’t directly influence mortgage rates, factors like Treasury yields and Federal Reserve policies play a key role. Buyers may benefit from less competition in winter, while sellers could leverage increased home equity, which reached $17.6 trillion in mid-2024, to make larger down payments and offset higher borrowing costs.

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➡️Link for your unique 7-day free trial with a $35 monthly fee is - https://www.foreclosure.com/special.h....

PODCAST ARE OPINIONS EXPRESSED BY LICENSED REAL ESTATE AGENTS IN DIFFERENT REAL ESTATE MARKETS. DO NOT BASE YOUR HOME PURCHASE OR SALE ON THE OPINIONS EXPRESSED IN THIS PODCAST. ALWAYS CONSULT YOUR LOCAL REALTOR FOR YOUR MARKET CONDITIONS.

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This week, we elected a new president, and many are wondering how their tariff policies will affect the real estate market. A chief economist with Realtor.com, says it’s hard to predict. The main challenge is a shortage of up to 7.2 million homes, built up over the last decade. The new administration plans to reduce regulations, which could lower the cost of new homes and make more federal land available for housing. However, policies on tariffs and immigration could harm the housing market by reducing the labor needed for construction. While it may take time to fully see the effects, some areas might notice changes sooner, as 23% of people say politics influences where they choose to live. If you’re planning to move soon, here’s what you need to know about finding and buying a home.

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PODCAST ARE OPINIONS EXPRESSED BY LICENSED REAL ESTATE AGENTS IN DIFFERENT REAL ESTATE MARKETS. DO NOT BASE YOUR HOME PURCHASE OR SALE ON THE OPINIONS EXPRESSED IN THIS STREAM. ALWAYS CONSULT YOUR LOCAL REALTOR FOR YOUR MARKET CONDITIONS.

Sales of existing homes hit a 14-year low last month despite lower mortgage rates, likely due to uncertainty around the upcoming election. September’s sales dropped 1% from August and are 3.5% lower than last year. Median home prices rose 3% to $404,500, marking 15 months of price increases. While more homes are available, first-time buyers face challenges, and cash sales are rising. Sales dropped in all regions except the West, and condos saw the biggest decline. Economists suggest buyers might be waiting for election results before making big decisions.

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PODCAST ARE OPINIONS EXPRESSED BY LICENSED REAL ESTATE AGENTS IN DIFFERENT REAL ESTATE MARKETS. DO NOT BASE YOUR HOME PURCHASE OR SALE ON THE OPINIONS EXPRESSED IN THIS STREAM. ALWAYS CONSULT YOUR LOCAL REALTOR FOR YOUR MARKET CONDITIONS.

The U.S. housing market has generally seen rising property prices, but some areas, particularly in Texas, are now experiencing declines. Factors like buyer demand, supply, and economic conditions could lead to further drops in home values over the next year. For buyers, lower prices offer potential bargains, while sellers may want to act before values decrease further. Cities like Dallas, San Antonio, Austin, Phoenix, and Boise are highlighted for possible future declines, with Texas markets seeing the most notable shifts due to affordability concerns and high interest rates. Other states like Florida, California, and Washington could also see price drops due to oversupply, tax rates, and local economic changes.

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PODCVAST ARE OPINIONS EXPRESSED BY LICENSED REAL ESTATE AGENTS IN DIFFERENT REAL ESTATE MARKETS. DO NOT BASE YOUR HOME PURCHASE OR SALE ON THE OPINIONS EXPRESSED IN THIS STREAM. ALWAYS CONSULT YOUR LOCAL REALTOR FOR YOUR MARKET CONDITIONS.