In this episode, we explore the dynamics behind the peaking of mortgage rates for 2025, offering insights into the factors contributing to this trend. While mortgage rates have experienced volatility, they are now showing signs of stabilization. This episode delves into the improved mortgage spreads seen in 2024 and 2025, which have helped prevent rates from climbing as high as they did in 2023. In 2023, economic uncertainty caused mortgage spreads to widen dramatically. However, with the 10-year yield fluctuating and mortgage spreads tightening, rates are now expected to range between 5.75% and 7.25%. This indicates a more controlled lending environment.

Join us as we discuss the current housing market's influencing factors and answer listener questions about mortgages and real estate.