How about some mortgage rate stability?

 


Once upon a time, mortgage markets were the stuff of roller-coaster rides: headlines of sudden Fed pivots or geopolitical shocks could send 30-year rates soaring or plunging by half a percentage point in a single session. In that world, buyers learned to chase every tick lower, while Realtors scrambled to keep up with the next big swing.

Today, things feel calmer—perhaps too calm. According to Freddie Mac’s July 17, 2025 survey, the average 30-year fixed rate sits at 6.75%, up only 3 basis points from the prior week but still under 7% Freddie Mac. That narrow band might seem “stable,” but don’t be fooled: even a ¼-point move on a $300,000 loan translates to about $50–$60 more (or less) in your monthly principal and interest payment, as Investopedia’s analysis shows Investopedia.

What This Means for Homebuyers

  • Budget wisely: A modest rate uptick can add $600–$720 to your annual housing costs.

  • Lock with confidence: If you’re under contract or expect to close within 45 days, consider locking your rate to avoid any unexpected jump.

How Realtors Can Lead

  1. Host Rate-Lock Clinics: Invite clients to brief sessions explaining how small rate changes impact payments, then walk them through locking strategies.

  2. Show Side-by-Side Comparisons: Provide quick charts that contrast payments at today’s rate versus just a quarter-point higher—real numbers drive home the point faster than jargon.

In this era of “steady” rates, the true opportunity lies in translating stability into action—helping buyers understand that even small moves matter and guiding them to lock in savings before the next Fed release.

-Nate Carver, Premier Lending, Inc.

About Between Two Doors
Between Two Doors is a podcast where I talk with Realtors about their journey, aiming to connect home buyers and sellers with agents on a more personal level. I ask “right brain” questions that go beyond transactions, focusing on the experiences, values, and passions that make these professionals great at what they do.

Listen to more episodes at: https://www.betweentwodoors.com

Sponsored by:
Premier Lending, Inc.
https://www.natecarver.com

NMLS Numbers:
NMLS: 2004738
Licensed by the Department of Financial Protection and Innovation (DFPI). Equal Housing Opportunity.
https://www.nmlsconsumeraccess.com

📞 Contact: 972-832-5761

Follow Us on Social Media:
Facebook: https://www.facebook.com/NateCarverTheMortgageGuy/
LinkedIn: https://www.linkedin.com/in/natecarver/
Twitter: https://twitter.com/NathanC90662223
TikTok: https://www.tiktok.com/@nateyourfavmortgageguy
YouTube: https://www.youtube.com/@betweentwodoors


Location: McKinney, TX, USA

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