Will mortgage rates drop in 2025? In this episode of Orange County Housing Market News, we break down what actually needs to happen for interest rates to fall below 6.5% — and whether that’s likely in the near future.
If you're a home buyer waiting for rates to drop before purchasing, or a seller wondering how rates impact home values, this video is for you. We’ll cover the key factors influencing 30-year mortgage rates, including:
* How the 10-year treasury yield affects mortgage rates
* Why unemployment numbers and recession fears matter
* The impact of tariffs and trade policy uncertainty
* What role the federal budget deficit and congressional spending bills play
* How inflation, global conflicts, and stock market shifts may affect rates
The bottom line: All three major factors need to align for mortgage rates to meaningfully drop, and that may not happen soon. But for long-term buyers, opportunity still exists — even at higher rates.
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