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BiggerPockets Real Estate Podcast

The Mortgage Rate “Range” to Expect for the Rest of 2025

BiggerPockets Real Estate Podcast

BiggerPockets

Education, Business, Investing

4.816.5K Ratings

🗓️ 2 May 2025

⏱️ 27 minutes

🧾️ Download transcript

Summary

Here’s the mortgage rate “range” Dave expects to see through the end of 2025. With so much rate volatility as of late, it’s getting harder and harder to predict when interest rates will rise, fall, stabilize, or go in a completely different direction. Behind all the fluctuations, we can see why this is happening: recession fears, inflation fears, and declining sentiment toward the American economy. There are a few ways future mortgage rates could go, and today, Dave shares his prediction for the 2025 mortgage rate “range.” You want lower mortgage rates, we want lower mortgage rates—everyone wants lower mortgage rates—how do we get there? Dave will spell out the scenario that has to happen for rates to fall, and if you start seeing these warning signs, you might want to prepare. Plus, if the opposite happens, what could cause rates to rise even higher? Finally, Dave shares his plan for investing with fluctuating rates and his strategy for building wealth in a volatile market.  In This Episode We Cover The mortgage rate “range” to expect in 2025 (and what’s affecting rates now) Everyone is wrong about the Fed—here’s who actually controls mortgage rates The recession vs. inflation standoff and why the winner will greatly affect your rate The “Sell America” trade that’s putting the American economy under severe pressure How Dave is investing in 2025 and his plan for which properties to buy even with high rates And So Much More! Check out more resources from this show on ⁠⁠⁠BiggerPockets.com⁠⁠⁠ and ⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1116 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠[email protected]⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

This is the mortgage rate range to expect for the rest of 2025.

0:04.8

President Trump is feuding with Fed Chair Jerome Powell.

0:08.2

Tariffs could cause inflation.

0:10.3

Recession risks are rising.

0:12.1

Will all this cause mortgage rates to finally fall?

0:15.0

Or could they actually go back up?

0:17.3

There's a ton of uncertainty right now.

0:19.3

But as investors, we all just want to know

0:21.5

which way are mortgage rates going to move. So today, I'm going to dive into why mortgage

0:26.7

rates are changing so much, what might happen next, and what smart moves you can make to

0:32.1

protect and grow your portfolio. If you're investing in 2025, or maybe you're just trying to

0:36.9

decide if now is a good time to

0:38.9

buy, you're going to want to listen to this one.

0:47.1

Hey, what's up, everyone? It's Dave, head of real estate investing at Bigger Pockets. And maybe you're

0:52.8

like me and you can remember a time way back

0:56.1

when mortgage rates were steady and were only a minor part of being a real estate investor.

1:02.1

It feels like a distant dream, right? Because the reality is that nowadays, we need to be

1:06.9

thinking about mortgage rates more regularly because there is a lot of volatility in the

1:12.0

housing market. And as you probably know, mortgage rates really matter. To me, actually, the

1:16.9

direction of basically the entire housing market, including housing prices, the state of sales

1:22.1

volume, and pretty much everything else are highly dependent on mortgage rates and the direction

1:27.2

that they move in in the

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