Experts Just Dropped New Mortgage Rate Forecasts for 2025

Mortgage rates hit 7.04% in early 2025—and despite Fed rate cuts, they’re still stubbornly high. So what’s really going on? Will rates drop soon? Should buyers wait? And what about refinancing?

In this video, we break down expert predictions from Freddie Mac, Fannie Mae, NAR, Zillow, JP Morgan, and moreto give you a clear look at where mortgage rates are headed this year and what that means for YOU.

✅ Should you buy now or wait?
✅ Will affordability improve?
✅ Are we stuck with 6–7% rates all year?

If you're thinking about buying, refinancing, or just trying to make sense of this housing market—this one's for you.

Are you planning to buy or wait in 2025?

Timestamps:

0:00 – Mortgage Rates in 2025: The Harsh Reality
0:44 – What’s Holding Rates So High? Fed, Inflation & Tariffs
1:47 – The Fed’s "Wait and See" Stance Explained
2:30 – Should You Wait to Buy a House? Expert Opinions
3:06 – 2025 Mortgage Rate Predictions from Major Institutions
4:08 – Is Now a Smart Time to Refinance?
4:54 – What Homebuyers Should Be Doing Instead of Waiting

Based in California and need help navigating your next move? I’ve lived here nearly 30 years, and a local real estate agent — let’s talk. Alex Schult CA DRE License # 02236174 KW Spectrum Properties 📲 Text: 949-726-2601 📧 Email: aschult@kw.com

#mortgagerates #housingmarket #interestrates #MortgageAdvice #mortgagerefinance

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DISCLAIMER: This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

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