🏡 The Truth About Mortgage Rates in 2025
By Ron Moore – Real Estate Agent in Fairview, TX
If you’ve been keeping an eye on the real estate market lately, you’ve probably noticed one thing on everyone’s mind: mortgage rates. Whether you’re buying your first home, thinking about selling, or considering a refinance, the big question is:
👉 What’s really going on with mortgage rates in 2025?
Let’s cut through the noise and get to the truth.
📉 Rates Are Lower Than They Were in 2023—but Still Higher Than Pandemic Levels
After spiking in 2022–2023, mortgage rates have begun to stabilize. As of mid-2025, we’re seeing average 30-year fixed rates hovering in the 5.75% to 6.25% range, depending on credit score, down payment, and loan type.
While this is higher than the record-low 3% rates during the pandemic, it’s a healthy middle ground that reflects a cooling inflation rate and a strong economy.
🔎 Fairview Insight: Buyers in Collin County are adjusting to the “new normal” in rates—and homes priced right are still moving quickly.
💸 What This Means for Buyers
Buyers are getting more serious and intentional. Gone are the bidding wars of 2021, but competition remains for well-priced homes. You may not be able to “time the market,” but you can control:
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Your credit score
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Your down payment
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Choosing a lender who offers personalized options
The key in 2025? Be financially prepared and move when you find the right home—not just the right rate.
🏠 What This Means for Sellers
Some homeowners are still holding onto ultra-low rates from the past few years and delaying moves. But here’s the truth: if your life circumstances are changing (new job, growing family, downsizing), the market is still solid.
Serious buyers are out there, and properly marketed homes in Fairview continue to attract attention—especially those in sought-after neighborhoods.
💬 Bottom Line: Focus on What You Can Control
No one can predict exactly what mortgage rates will do in the next 6–12 months. But if you’re waiting for 3% again… you may be waiting a very long time.
Instead, let’s talk about your goals. Whether it’s buying, selling, or just staying informed, I’m here to help you navigate the 2025 market with confidence.
📞 Ron Moore | Real Estate Agent in Fairview, TX
📱 Call or Text: 214-542-2405
📧 Let’s connect and create a plan that works for you.