Video
September 5, 2025
Airs live on YouTube
September 5, 2025
Rates Under 6.5%! Don’t Miss the Train Again
Market Update
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Don’t miss the train again. Mortgage rates just dipped below 6.5%, with FHA and VA under 6%. That’s a big shift, and right now buyers still have the upper hand. Sellers are offering tens of thousands in concessions, lowering prices, and even covering buy downs to reduce payments.
But this window will not stay open for long. With a Fed rate cut expected in September, demand will pick up quickly. When that happens, sellers will stop negotiating, prices will rise, and multiple offers could return.
If you wait for lower rates, you may end up paying more for the same house, without the seller help that is available right now. Many homes are selling below appraised value, which means instant equity for today’s buyers. This is free money on the table.
Real estate is not about perfect timing. It’s about getting in, building equity, and letting time in the market work for you. Buyers who acted in tough markets are now sitting on tens of thousands in equity and financial freedom. This is your chance before the train leaves the station again.
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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.
Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call (858) 259-8700 for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the federal government. CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans. By refinancing, the existing loan total finance charges may be higher over the life of the loan.
