The mortgage market is shifting—but that doesn’t mean it’s bad news for buyers. In fact, for those paying attention, it may be one of the best windows to make a move.
Yes, mortgage rates have risen slightly due to investor optimism and a stronger stock market. But surprisingly, mortgage applications are still up 18% year-over-year. That means buyers aren’t backing down—they’re getting strategic.
Why? Because the market is stabilizing. Inventory levels are trending back to pre-pandemic levels, giving buyers more options and more negotiating power. Sellers, in turn, are becoming more flexible. Pricing matters again, and in many cases, so does how well a deal is structured.
This isn’t just a rate-driven market anymore. It’s about working the full deal: pricing, contingencies, closing costs, timing, and how both parties can win.
It’s starting to feel a lot like the 2010–2014 market—a period known for creative deals and strong buyer opportunity. Buyers who are prepared and informed are making great moves right now, especially with the guidance of an experienced team.
The takeaway:
Don’t sit on the sidelines waiting for rates to drop—you might miss the moment. Today’s market rewards those who understand its rhythm and aren’t afraid to adapt.
Have questions about how to position yourself as a strong buyer or seller in this shifting market? We’re here to help. And for the latest in lending trends, connect with our trusted mortgage advisor, Brooks Kelly of The Mortgage Link.
📲 Let’s talk strategy. Your opportunity is now.
