Mortgage Insights – The Housing Landscape is a BUYERS Market!
For this week’s 12/2/25 episode of The Your Money Matters Radio Show, I explain why today’s housing landscape is truly a buyer’s market. With more homes available, longer days on market, and sellers offering incentives, buyers have strong negotiating power.
Despite the slowdown, home values are not depreciating—conforming loan limits have risen to $832,750 for 2026, and NAR reports 2.7% appreciation year-to-date.
Emphasis is on long-term ownership: a $500,000 home appreciating at 2.7% annually becomes worth over $600,000 in seven years. A key opportunity in this market is seller concessions, especially 2/1 and 3/2/1 buydowns, which can dramatically reduce payments and save thousands upfront.
Buyers can also choose to apply concessions toward a permanent rate reduction. I highly encourage knowing your true credit score, optimizing it for the lowest rate, and exploring flexible loan programs like FHA and VA.
With appreciation trends and strong concessions, now is an excellent time for buyers to take advantage.
Call me at (720) 895-0500 and explore your mortgage refinance options if you have high interest debt! I am helping save so many of my clients, REAL MONEY!
At Affordable Interest Mortgage, we shop across 46 top lenders to find the best fit for your goals. Local, knowledgeable, and flexible—we’re your neighbors, helping you seize every opportunity this market brings.
Catch the full 12/2/25 episode here:
https://www.haystackhelpradio.com/wp-content/uploads/2025/12/Haystack-12-02-25-Your-Money-Matters-Mortgage-Insights.mp3
With appreciation,
Kurt Rogers
Managing Broker, Affordable Interest Mortgage
(720) 895-0500
www.aimortgage.net
NMLS #217147 | IMB #2191655 | Equal Opportunity Lender | Regulated by the Division of Real Estate
