Hey there!

Hope you're having an amazing week! With 2025 well underway, the mortgage market is shifting, and it's creating some exciting opportunities for both buyers and sellers. Whether you're a first-time homebuyer, an investor, or just keeping an eye on the market, here’s what you need to know right now.

Where Are Mortgage Rates Headed?

Mortgage rates have seen some improvement since late last year, giving buyers a reason to start house hunting again. Here’s what’s influencing the market:

Inflation & Government Spending – Inflation remains higher than the Federal Reserve would like, which is keeping them cautious about cutting rates too soon.
Job Market Trends – The recent jobs report showed moderate job growth but rising wages, which impacts borrowing costs.
Global Bond Markets & Demand – Increased demand for bonds in international markets is helping to stabilize rates here in the U.S.

What’s Happening This Week?

10-Year Treasury Yields – The 10-year Treasury yield dipped below 4.50%, a good sign for mortgage rates. If it stays there, we could see rates drop even further.
Oil Prices & Inflation – Lower oil prices are helping to ease inflation, which could lead to more favorable mortgage conditions.
Fed’s Strategy – Treasury Secretary Scott Bessent emphasized that bond yields matter more than short-term rate cuts when it comes to mortgage rates, meaning long-term rates will be driven by broader economic conditions.

What This Means for You

If you’re a homebuyer, now is a great time to get serious about locking in a rate. While we’re not seeing record lows, today’s rates are better than they were just a few months ago. Getting pre-approved and understanding your financing options will put you ahead of the competition.

For sellers, this shift in the market means motivated buyers are returning. Pricing your home competitively and preparing it properly will make all the difference. Need advice on strategic remodels or prepping for the best possible sale? That’s where I come in!

For agents and investors, staying on top of these trends will help you make smart, strategic decisions. Whether you're guiding clients or planning your next investment, being proactive in this market is key.

Looking Ahead: Key Reports to Watch

Next week, all eyes will be on inflation data, with the Consumer Price Index (CPI) and Producer Price Index (PPI) reports coming out. These reports will influence interest rates and give us a clearer picture of where things are headed. Plus, with the Treasury set to auction $125 billion in new debt, we could see further movement in bond yields and mortgage rates.

Final Thoughts

The real estate market is constantly changing, and smart buyers and sellers know that staying informed is the key to making the best moves. If you’ve been thinking about buying, selling, or investing, let’s talk about your strategy and make sure you’re making the most of this market shift.

Let’s connect and make your real estate goals happen!

Contact AJ for More Information
AJ Chamberlin
📞 +1 (303) 588-8999
📧 aj@attitudehomes.com
🌐 www.attitudehomes.com

Credits:
Mark Sööt | Mortgage Loan Officer
Elevations Credit Union
📞 (303) 817-0089
📧 Mark@elevationscu.com
🌐 Visit Mark’s Website
1301 Walnut St., Suite 100, Boulder, CO 80301
NMLS: 403853