Whether you’re thinking about buying your first home, refinancing, or exploring investment opportunities, understanding housing market trends and financing options can help you craft your 2025 real estate strategy. At the Potempa Team, we’re here to guide you through the home financing process and turn those goals into reality. Let’s explore what it takes to qualify for a loan and how you can make the most of the opportunities this year has to offer.
What to Know About Getting a Mortgage in 2025
Lenders look at your credit score, debt-to-income ratio, and employment history, so having your financial ducks in a row is more important than ever in 2025. Set yourself up for success by exploring different loan programs, from conventional options to government-backed loans like FHA and VA. Be sure to look at this resource guide we created to help you understand what’s needed to get a mortgage and how to position yourself for success in today’s market. With more than $1 Billion in mortgages originated and a distinction as the 2024 #1 FHA loan originator (Scotsman Guide), you can trust that our industry-leading advice will help you accomplish all your goals this year!
Tips to Secure a Great Rate in 2025
Keeping your credit score strong is key—focus on paying down debts and avoiding big financial changes, like taking out new loans or closing an account, before applying. Mortgage rates and terms can vary widely across loan products, so take the time to explore your options and ask plenty of questions. Despite what the headlines might suggest, great mortgage rates are still within reach in 2025. When you partner with the Potempa Team, you’re not relying on luck—you’re leveraging expertise, strategy, and personalized guidance. With the right preparation and a trusted team, locking in a rate that fits your budget and goals is absolutely achievable.
Predictions for the 2025 Mortgage Market
Over the past year, average 30-year fixed rates have hovered between 6.5% and 7.5%. Recent trends suggest mortgage rates may now stay closer to the mid-6% range in 2025. The Federal Reserve is also projecting fewer rate cuts this year, reflecting the economy’s current strength. Ultimately, mortgage rates are shaped by the bond market, particularly the 10-year Treasury yield, which responds to future expectations. While uncertainty remains, staying informed and prepared will be key.
Preparation and the right guidance will be your best tools for success in 2025. At the Potempa Team, we’re committed to walking alongside you every step of the way, ensuring you have the knowledge and expert support to achieve your real estate goals. The mortgage market may change, but with the right plan in place, your path to success remains clear.
Consult with the Potempa Team Refinance specialists to learn more.
