Video
August 22, 2025
Airs live on YouTube
August 22, 2025
93% Chance of a Fed Cut: Don’t Miss Today’s Buyer Advantage
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Mortgage rates are slipping lower, and Wall Street now sees a 93% chance of a Fed cut in September. But here’s what matters for you: mortgage rates don’t wait for the Fed. They move on expectations, and that means rates are already coming down. If you are waiting for the Fed to make an announcement, you could already be behind the curve.
Right now, sellers are still giving buyers big concessions. In the last three months, most deals included $10,000–$12,000 in seller credits, and some buyers have received $30,000 or more. One transaction even included $50,000 to pay off a solar loan. These concessions can cover your closing costs, help buy down your rate, or combine with down payment assistance so you can purchase with little or no money out of pocket.
But this window won’t stay open for long. As rates dip further, more buyers will rush in, and sellers will stop offering large credits. That makes today’s market one of the best opportunities in years to get into a home with help from the seller.
The demand is already there. The average first-time buyer is now 38 years old, often with kids, a growing need for space, and rent that climbs every year. When affordability improves even slightly, this group will jump in fast, creating more competition and fewer concessions. With a housing shortage of 3–5 million homes, prices are not crashing. Instead, we are likely to see a release of pent-up demand.
This is your chance to act before the rush. Rates are easing, sellers are still helping with costs, and inventory is giving you more options. The smart buyers are moving now while the terms are still in their favor.
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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.
Mortgage News Daily (MND) is a trademark of Brown House Media, Inc. Zillow is a trademark of Zillow, Inc. CrossCountry Mortgage has not been authorized, sponsored, or otherwise approved by Brown House Media, Inc. or Zillow, Inc.
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