Posts in category 'Buying A Home'
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30
Why Homebuying Is Becoming More Affordable This Fall
For the past couple of years, many homebuyers have struggled to make the numbers work. Home prices rose quickly, mortgage rates climbed, and affordability became a major challenge. As a result, a lot of buyers pressed pause on their plans.
But there's good news. If you've been waiting for a better time to re-enter the market, affordability is finally showing signs of improvement this fall.
Mortgage Payments Are Coming Down
According to the latest Redfin data, the typical monthly mortgage payment is now about
16
Mortgage Rates Are at Their Lowest in Over a Year—Here's Why Now Is the Time to Buy or Refinance
Have you been dreaming of owning your first home or upgrading to your dream house with a white picket fence? With mortgage rates still at their lowest level in over a year, now may be the best time to make your move.
Whether you're preparing to buy your first home or refinance your current mortgage, today's rates could help you save thousands of dollars and turn your goals into reality.
Why Low Mortgage Rates Matter
Mortgage rates directly affect your monthly payment and the total amount of interest you'll pay over the life of your loan. When rates are low:
8
Mortgage Rates Drop in August 2025 to Lowest Rates Since April 2025
Mortgage rates have taken a welcome dip in recent weeks, offering a glimmer of relief for homebuyers, homeowners, and anyone watching the housing market forecast. The recent shift is tied directly to a decline in the 10-year Treasury yield and the economic trends influencing it.
Mortgage Rates in August 2025: The Latest Numbers
The 10-year Treasury yield, a key benchmark for 30-year mortgage rates, has fallen from 4.7% earlier this year to about 4.25% today. This decline has helped push mortgage rates down from 7.04% in early 2025 to the 6.125%–6.5% range now.
Some borrowers, particularly those using government-backed mortgages like FHA, VA, or USDA loans, are seeing even lower rates thanks to more favorable note yields.
Why Are Mortgage Rates Dropping?
Several recent economic developments have contributed to the decline in the 10-year Treasury yield and mortgage rates:
- Slowing job growth and softer employment reports
- Signs that the overall economy is cooling
- Expectations of a Federal Reserve interest rate cut in September 2025
When the economy slows, investors often anticipate rate cuts from the Fed. This tends to push Treasury yields lower, and when yields fall, mortgage rates usually follow.
Mortgage Rate Forecast for Late 2025
Right now, the 10-year yield is hovering near an important level: 4.2%. If yields drop below that point and head toward 4.0%, possibly due to cooling inflation or further economic slowdown, mortgage rates could fall into the high 5% to low 6% range by Q4 2025.
However, there are still factors that could keep rates higher:
- Proposed tariffs, which could be inflationary or deflationary depending on implementation
- Persistent inflation is keeping the Fed cautious about cutting rates too quickly
What Lower Mortgage Rates Mean for Buyers and Homeowners
Lower mortgage rates can increase affordability for homebuyers and improve refinancing opportunities for homeowners. Even a small decrease in interest rates can make a noticeable difference in monthly payments and long-term interest costs.
If you're planning to buy or refinance, now is the time to contact a trusted Ruhl Mortgage Lender who can consult with you on your next best step. Since home prices are still appreciating, waiting for a minor rate adjustment may not be the smartest move, considering that the trade-off would be paying a higher price for the property. For more information about Ruhl Mortgage, visit RuhlMortgage.com.
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RuhlMortgage.com | 866-441-1862 | customerservice@ruhlmortgage.com Ruhl Mortgage LLC, NMLS #935629 | IL Residential Mortgage | License MB.6760937 | IA #2012-0110 | WI #935629BA - For licensing information, go to: www.nmlsconsumeraccess.org |
27
Is a Newly Built Home Right for You? The Pros and Cons
When searching for a home, you don't want to skip over new builds as an option. Right now, there are more newly built homes to choose from than there would normally be in the market. And those added choices come with some pretty incredible benefits. Talking to your agent is the best way to see if this type of home makes sense for you.
Here's a quick rundown of some things your agent will walk you through – including a few of the top perks of buying a newly built home today and some potential things you'll want to think about before you ink any contracts.
The Perks of Buying a Newly Built Home
Customization Options: Many builders allow buyers to choose finishes, layouts, and upgrades so that you can personalize your home to your unique sense of style. This is more of a draw if t...
27
How Real Estate Agents Take the Fear Out of Moving
Feeling uncertain or even a little scared about moving in today's housing market? The decision to move shouldn't feel overwhelming—it should be exciting. The best way to replace fear with confidence is by partnering with a trusted real estate professional.
Real estate agents are more than just transaction facilitators; they're experienced guides who make navigating the housing market easier and less stressful. A skilled agent can transform what feels like a daunting process into one that's smooth, manageable, and even enjoyable.
That's why, in a Bright MLS survey, respondents agreed partnering with an agent is essential and helped cut down on their stress:
