Video
July 25, 2025
Airs live on YouTube
July 25, 2025
Why Buyers Feel Stuck Even When Rates Are Flat
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If you feel like you’re on the edge of buying a home but something still doesn’t feel right, this is for you.
Mortgage rates are steady around 6.8%, but many buyers aren’t stuck because of the numbers. They’re stuck because the payment doesn’t feel right. In this video, Bill Gaylord shares the story of a buyer who qualifies on paper but hesitates emotionally.
Right now, seller concessions are helping close that gap. Buyers are negotiating 2-1 buydowns, getting help with closing costs, and lowering their monthly payments without needing rates to drop.
This moment won’t last forever. Once rates fall, sellers stop giving. If you’ve been sitting on the sidelines, now is your chance to jump in before the market shifts.
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The information contained is the viewpoint of the presenter(s). Individuals should consult their own financial representative.
Estimated Mortgage Payment is for exemplary purposes only. Contact a licensed loan officer for exact numbers and APR. Additional rates and terms may apply and are subject to change without notice. Loan scenario assumes a purchase price of Zillow's list price and a 10% down payment. Points and fees not included. Property tax, homeowners insurance, mortgage insurance, and HOA fees are approximate and may vary. Other fees may apply. Product displayed is a conventional 30-year fixed rate mortgage using the current average rate as shown on Mortgage News Daily (mortgagenewsdaily.com).
Estimated Qualifying Income assumes a homebuyer has a FICO score above 740, no other credit debt, and a debt-to-income (DTI) ratio of 43%.
For exact numbers and APR or to run a loan scenario based on your own credit and income, contact our office at (858) 259-8700.
Rate Source: Mortgage News Daily. Rates displayed are approximate, subject to change, and do not necessarily reflect rates available to you. MND’s methods involve an objective component based on lenders' raw prices as well as a subjective impression from their network of originators. For more information about how these rates are calculated, visit www.mortgagenewsdaily.com/mortgage-rates/about.
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