If you’re thinking about buying a home or refinancing this year, the first question on your mind is probably: Where are mortgage rates headed in 2025? After two years of steep increases and economic uncertainty, many buyers and homeowners are hoping for relief. So—what does the data actually say?
In 2025, housing affordability remains a top concern for millions of Americans—but are the new policies actually helping? From expanded down payment assistance to changes in zoning laws and updates to federal lending standards, there’s a lot happening behind the scenes. But if you’re wondering whether it’s actually moving the needle for everyday buyers, here’s what you need to know.
When it comes to buying a home, the biggest mistake people make is looking at homes before understanding what they can afford. It’s not just about how much a lender will approve—it’s about how much fits your monthly budget.
One of the biggest myths in home buying is that you need to save up 20% for a down payment. The truth? Most buyers put down far less—especially first-time buyers. Understanding your options can open doors you didn’t know were available.
