2025 Mid-Year Mortgage Rate Predictions (Update)

On The Market

BiggerPockets

Business, News, Education, Investing

4.8 • 859 Ratings

🗓️ 24 July 2025

⏱️ 37 minutes

🔗️ Recording | iTunes | RSS

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Summary

Will mortgage rates finally fall in the second half of 2025? Host Dave Meyer predicted rates in the mid-6's back in December, which has proved accurate halfway through this year. Now, Dave is providing his outlook for the rest of 2025, and a long-term mortgage rate forecast for the next several years. Meyer discusses the structural forces that could drive the mortgage landscape and the housing market for the next decade, including inflation rates, recession fears and ever-increasing national debt. This is crucial data for real estate investors to understand, especially those that have previously utilized a "date the rate" strategy. Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Dave's BiggerPockets Profile Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/on-the-market-341⁠ Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Mortgage rates have remained stubbornly high throughout 2025, slowing down transaction volume
0:05.6	in the housing market and stifling investors.
0:08.9	So the question is, what happens from here?
0:11.1	Is relief around the corner or are rates going to stay high for the rest of the year?
0:17.0	Today, I'm giving you my prediction for mortgage rates for the second half of 2025.
0:26.4	Hey, what's up, everyone?
0:27.7	Welcome to On the Market.
0:29.2	I'm Dave Meyer.
0:30.5	And today, we're talking about everyone's favorite topic, mortgage rates.
0:35.0	What could possibly be more fun?
0:37.1	I know everyone is so freaking tired of talking about mortgage rates. What could possibly be more fun? I know everyone is so freaking tired of
0:40.5	talking about mortgage rates, but it is so important for the housing market, for us as
0:45.1	investors to understand where rates might be going. So we're going to dig into that for the
0:50.2	second half of 2025 here in today's episode.
0:58.4	Now, I know that most people who are listening to this episode right now are probably wishing that rates had already come down and we could talk about something else.
1:03.6	But here we are midway through the year and rates are really not all that different from
1:08.9	where they've been for most of 2025 and for the second half of last year as well.
1:14.5	And for some of those listening, the fact that things haven't really changed that much may be pretty surprising.
1:20.0	They were expecting rates to come down by now.
1:22.5	But for others, maybe those who listen to the show regularly and believed and bought into my forecast for this year,
1:29.1	this is exactly what they were expecting to happen.
1:31.8	But regardless of what camp you fell into at the beginning of this year,
	...

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