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Mortgage Rates and Home Prices Are Changing. How to Get Ready.
By Shaina Mishkin Oct 23, 2025

- Mortgage rates are expected to remain above 6% for the next two years, with national home prices stagnating, according to the Mortgage Bankers Association.
- A larger supply of homes, including new construction, will increase buyer options and temper price gains, leading to an expected rise in transactions.
- Sales of new and existing homes are projected to increase by 4.6% and 5.1%, respectively, next year, with mortgage origination volume rising 7.6%.
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If rates were to fall below 6%, demand for home loans would ramp up as buyers return to the market, and owners with higher rates refinance, says Eric Hagen, a BTIG analyst covering mortgage and specialty finance. But “there’s healthy turnover” even with rates around 6.5%, Hagen adds. “I think the market does fine and will move along at six-and-a-half or even seven, but really takes off below 6%,” he says.
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https://www.barrons.com/articles/steady-mortgage-rates-lower-home-prices-housing-market-75298dc4?gaa_at=eafs&gaa_n=AWEtsqcnudVcPhE2I7w_1GUqzpNgdAzIaa99_onPzE66nBl8UOqYccnOxKyc&gaa_ts=68f9cf80&gaa_sig=6s1f6F9iBjGI3UZ7BkBMWIutbmbAOdGRzian6DIw907HP0MEN63a9PR1sLApPqj6cOf6j-F3uRnTZRVzvXyW0w%3D%3D