The first 100 days under the new 2025 administration have made one thing very clear: major shifts are happening that could impact homebuyers, homeowners, and the entire real estate market.
Here’s what you need to know right now:
✅ Home Affordability Is at a Breaking Point
High home prices, stubbornly high interest rates, and limited inventory are making it harder than ever for buyers to afford a home. New proposals aim to boost affordable housing — but change will take time to reach the market.
✅ Mortgage Rates Are Uncertain
Rates remain higher than in recent years, and while the Fed is signaling possible rate cuts later in 2025, nothing is guaranteed. Mortgage costs could remain volatile — making timing and preparation critical for buyers and refinancers.
✅ Raw Material Costs Are Rising
Tariff talks and supply chain pressures could drive up the costs of key construction materials like lumber, steel, and appliances. This means new builds and home renovations could get even more expensive in the coming months.
✅ New Regulations Are on the Horizon
The administration is exploring regulatory changes that could affect mortgage qualifications, building codes, and lending practices — aiming to balance consumer protection with market growth. Staying ahead of these changes is key if you’re planning a move.
Bottom line:
Today’s real estate market requires strategy, not guesswork.
Understanding how rising costs, mortgage shifts, and new regulations interact will help you make smarter financial moves whether you’re buying, selling, refinancing, or investing.
👉 If you’re wondering how to navigate these changes, let’s connect. A smart plan today can save you time, stress, and money tomorrow.