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No habrá una gran caída: Los expertos prevén que las tasas se mantengan en torno al 6% medio el próximo año, lejos de los mínimos de la pandemia.

La inflación sigue pegajosa: Una inflación por encima del objetivo mantiene a la Reserva Federal cautelosa respecto a recortar tasas.

Revisión histórica: Tasas por debajo del 3% fueron una anomalía; las tasas hipotecarias típicas en EE. UU. rondan entre 6% y 8%.

Estrategia para compradores: Centrarse en mejorar la puntuación crediticia, hacer pagos iniciales más grandes y comparar prestamistas, en lugar de esperar un 4

Home sales are expected to rebound if mortgage rates drop below 6.5%, unlocking delayed buyer demand.

Home prices are forecasted to rise moderately by ↑ 4.4% by end-2025 due to persistent supply shortages

Home Sales Forecast: 4M Units
Sales activity will remain stable near 4 million, slightly below 2024, with modest fluctuations expected through late 2025.

Price Growth Slows to 2.5%
National home prices will continue to rise, but at a slower pace, as inventory builds and sellers adjust to a more balanced market.

Mortgage Rates to Dip to 6.4% by Year-End
Average rates will hold steady at 6.7% for the year but are projected to ease slightly by Q4, offering marginal relief to buyers.

Inventory Expands by 16.9%
Listings are expected to grow significantly, creating the most buyer-friendly conditions since 2016, especially in balanced-to-softening markets.

Rent Prices to Remain Flat or Decline
With rental rates easing nationwide, renting will continue to be the budget-friendly alternative, especially for first-time home seekers.

Closing costs usually amount to 3% to 6% of the mortgage.
For example, a $450K mortgage could mean ~$13K to $27K in closing fees.
In Arizona, homebuyers pay an avg of $4,701 in closing costs.
The avg transfer taxes in Arizona are $0, so no transfer tax is applied.
Arizona’s costs are primarily tied to lender and service-related fees.

Sepa exactamente cuánto puede pagar para no perder tiempo viendo viviendas fuera de su presupuesto.

Destaque ante los vendedores como un comprador serio, listo para cerrar la operación más rápido que otros.

Tenga más poder de negociación en el precio y las condiciones, especialmente en mercados competitivos.

Pase de la oferta a la propiedad más rápidamente, ya que la base financiera ya está resuelta.

Evite sorpresas de último momento al obtener la aprobación del prestamista con anticipación y comparar opciones hipotecarias con confianza.

Happy Labor Day!
Labor Day is a day dedicated to honoring the contributions and achievements of workers and the labor movement.
It marks summer's informal end in the U.S., as schools often start after the holiday.
It offers a chance to ponder the historical strides in workers' rights and labor advancements.
Cheers to hardworking individuals on Labor Day! Your impact is truly appreciated. Thank you!
Happy Labor Day! Relax, Enjoy, and Make the Most of This Special Day!

Home values expected to dip slightly through 2025 before stabilizing, signaling a soft correction rather than a sharp market downturn.

Higher mortgage rates and growing housing inventory likely to keep buyer demand moderate, reducing bidding wars seen in recent years.

Select markets like Yuma and Flagstaff may see modest gains, while most major metros forecast small declines into mid-2026.

Potential mortgage rate drops in 2026 could lift sales and support gradual price recovery, aligning with improving national housing trends.