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Economists predict interest rates will continue decreasing in 2025, assuming inflation remains near 2%. The Federal Reserve projects a federal funds rate of 3.4% by the end of 2025.

Check if you meet the typical requirements: 620+ credit score, stable income, and consistent employment history. Look for lenders or mortgage brokers who work with non-QM wholesale lenders; they can connect you with options.

2025 housing market: moderate rise in home sales, stabilized mortgage rates, and slower price increases. All-cash buyers make up 26% of sales, driven by increased homeowner equity.

In October, the combination of rising mortgage rates and high home prices has slowed home sales to a 14-year low.New single-family home sales ↑ 4.1% MoM, signaling potential market recovery.

Iowa sees ↓ 14.4% seasonal change in home prices, from peak summer to winter months, based on a 10-yr avg. The seasonal change in Iowa home prices is higher than the US avg of 11.5%.

Fed Funds Rate Trends Forecast: – 2025 rate: drop to 4.0% – 2026 rate: to hold ~3.8% Economic Outlook for 2025: – GDP growth: taper from 1.8% to 2.5% by year-end – Rate cuts respond to slower economic growth

Track your spending this winter to identify areas for cost-cutting before buying a home in 2025. Winter-proof your home to reduce energy bills and save money during the colder months.