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Market Intelligence
Stay informed on rate trends, housing market conditions, and investment opportunities. Updated regularly by our team.
Note: The content below reflects general market conditions as of early 2025. For a rate quote specific to your scenario, contact Arran directly or take the strategy quiz.
Current Rate Trends
- ›30-year fixed rates have been trading in the 6.5%–7.5% range through early 2025 as the Federal Reserve continues its data-dependent approach to rate policy.
- ›The Fed Funds Rate was cut three times in late 2024, but longer-term mortgage rates remain elevated due to persistent inflation concerns and a strong labor market.
- ›ARM products (5/1 and 7/1) have become increasingly attractive for borrowers who plan to sell or refinance within 5–7 years.
- ›DSCR and non-QM rates carry a modest premium over conforming rates but remain well below the highs seen in late 2022–2023.
Housing Market Overview
- ›Inventory remains historically low in most major metros, with many markets still experiencing multiple offers on well-priced properties.
- ›Home price appreciation has moderated to low single digits nationally, though high-demand markets like Southern California and Florida continue to outperform.
- ›The "lock-in effect" (homeowners reluctant to sell and give up their sub-3% pandemic-era rates) continues to suppress existing home inventory.
- ›New construction activity has picked up in Sun Belt markets, providing some relief for first-time buyers in those areas.
Investment Outlook
- ›Cap rates have compressed in most markets relative to peak 2023 levels, but cash-flowing deals are still available with the right financing structure.
- ›DSCR lending remains active for investors: lenders are generally approving deals with DSCR ratios of 1.0x–1.25x in most markets.
- ›Short-term rental markets have matured; markets with high STR saturation (like Gatlinburg and Scottsdale) require careful underwriting of projected income.
- ›Multifamily (2–4 unit) properties continue to offer strong investment fundamentals for house hackers and small portfolio investors.
Market information shown here is general commentary from public sources. It is not our pricing, not a quote, and not an offer of credit. Your rate is always priced individually.
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