{"id":15327,"date":"2025-06-24T15:04:01","date_gmt":"2025-06-24T20:04:01","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=15327"},"modified":"2025-06-24T15:04:08","modified_gmt":"2025-06-24T20:04:08","slug":"midyear-housing-market-check-in","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/the-morty-report\/midyear-housing-market-check-in","title":{"rendered":"Midyear Housing Market Check-In"},"content":{"rendered":"\n<p>We\u2019re officially halfway through the year and if you\u2019ve been thinking about buying a home, you\u2019re probably wondering: <em>Should I wait, or should I act now?<\/em><\/p>\n\n\n\n<p>The good news? More homes are hitting the market. The not-so-good news? Rates are still on the high side and affordability remains a challenge in many places.<\/p>\n\n\n\n<p>Here\u2019s your midyear housing pulse check and what it means for homebuyers heading into the second half of 2025.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What\u2019s Happening in the Market Right Now<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u2696\ufe0f Rates are holding steady, not dropping (yet)<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a class=\"\" href=\"https:\/\/www.reuters.com\/business\/powell-repeats-rate-cuts-can-wait-fed-studies-tariff-impacts-2025-06-24\/\" target=\"_blank\" rel=\"noreferrer noopener\">The Fed is signaling patience<\/a>, so big rate drops aren\u2019t expected until late summer or fall.<\/li>\n\n\n\n<li>The average 30-year fixed mortgage rate is <a class=\"\" href=\"https:\/\/www.freddiemac.com\/pmms\" target=\"_blank\" rel=\"noreferrer noopener\">hovering around <strong>6.81%<\/strong><\/a>, a slight improvement from earlier in the spring.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-image-fill-element has-white-color has-theme-palette-1-background-color has-text-color has-background\" style=\"grid-template-columns:30% auto\"><figure class=\"wp-block-media-text__media\"><a href=\"https:\/\/platform.morty.com\/public-uplevel-guides\/\"><img loading=\"lazy\" decoding=\"async\" width=\"819\" height=\"1024\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/02\/expertsv2-819x1024.png\" alt=\"phone view of a loan officer's website\" class=\"wp-image-7402 size-large\" style=\"object-position:44% 27%\" srcset=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/02\/expertsv2-819x1024.png 819w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/02\/expertsv2-240x300.png 240w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/02\/expertsv2-768x960.png 768w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/02\/expertsv2.png 1200w\" sizes=\"auto, (max-width: 819px) 100vw, 819px\" \/><\/a><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-text-align-center has-medium-font-size\"><strong>Looking for a local expert?<\/strong><br>Connect with a Morty loan officer to talk through your buying power today.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-75\"><a class=\"wp-block-button__link has-theme-palette-3-color has-white-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.morty.com\/loan-officers\" style=\"border-radius:100px\" target=\"_blank\" rel=\"noreferrer noopener\">CONNECT<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\ud83c\udfe0 More homes are finally for sale<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>After years of tight supply, <a class=\"\" href=\"https:\/\/www.realtor.com\/research\/may-2025-data\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>home listings are up more than 25%<\/strong><\/a> compared to last year. That means buyers have more options and more negotiating power especially in competitive metro areas.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\ud83d\udcb0 Homeowners are staying put, but tapping equity<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a class=\"\" href=\"https:\/\/www.fanniemae.com\/data-and-insights\/surveys-indices\/refinance-application-level-index\" target=\"_blank\" rel=\"noreferrer noopener\">Refinances are still low<\/a> because many homeowners locked in historically low rates.<\/li>\n\n\n\n<li>However, <a class=\"\" href=\"https:\/\/mortgagetech.ice.com\/resources\/data-reports\/june-2025-mortgage-monitor\" target=\"_blank\" rel=\"noreferrer noopener\">many are using <strong>home equity loans and HELOCs<\/strong><\/a> (Home Equity Lines of Credit) to access cash without selling, a sign that more people are upgrading, not moving.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What This Means for Buyers<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Don\u2019t expect huge rate relief just yet. <\/strong>Rates may come down slightly in the fall, but a dramatic drop isn\u2019t guaranteed. If you find the right home, focus on what you can afford now and know you may be able to refinance later.<\/li>\n\n\n\n<li><strong>More listings = more choices. <\/strong>With inventory building up, you\u2019re more likely to find a home that checks your boxes. But with competition still strong in certain markets, it\u2019s smart to be prepared and pre-approved.<\/li>\n\n\n\n<li><strong>It\u2019s a good time to ask questions. <\/strong>This market is complex. A good mortgage advisor can walk you through your options, including down payment assistance, rate buydowns, and alternative loan structures.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">What\u2019s Next?<\/h2>\n\n\n\n<p>If you\u2019ve been waiting for the \u201cright time\u201d to buy, it might be closer than you think. Rates are still elevated, but more inventory means more chances to find the right home at the right price.<\/p>\n\n\n\n<p>The key is being informed, flexible, and prepared. Whether you\u2019re just starting your search or thinking about making a move this fall, now\u2019s the time to <a href=\"https:\/\/www.morty.com\/loan-officers\" target=\"_blank\" class=\"\" rel=\"noreferrer noopener\">connect with a mortgage advisor<\/a> and run the numbers.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We\u2019re officially halfway through the year and if you\u2019ve been thinking about buying a home,&#8230;<\/p>\n","protected":false},"author":30,"featured_media":14065,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"no","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[611],"tags":[63,13,564],"series":[],"class_list":["post-15327","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-morty-report","tag-buying","tag-house-hunting","tag-mortgage-rates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Midyear Housing Market Check-In | Morty Resources<\/title>\n<meta name=\"description\" content=\"The Morty Report, June 2025. More homes are hitting the market. Mortgage rates are remain steady, while the Fed says &quot;wait and see.&quot;\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.morty.com\/resources\/the-morty-report\/midyear-housing-market-check-in\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Midyear Housing Market Check-In | Morty Resources\" \/>\n<meta property=\"og:description\" content=\"The Morty Report, June 2025. More homes are hitting the market. 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