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# Mortgage Market Predictions for Spring 2025: What Homebuyers & Investors Need to Know

March 27, 2025   [by Sofiia Kovalchuk](<https://www.linkedin.com/in/sofiia-kovalchuk/>)

## Alex Shekhtman’s Expert Take on Mortgage Rates, Housing Supply, and Affordability

March 2025 – The U.S. housing market is heading into spring with **big shifts on the horizon**, and whether you’re a homebuyer, investor, or just keeping an eye on trends, understanding what’s coming is critical. **Alex Shekhtman, CEO of LBC Mortgage**, shares his expert insights on where mortgage rates, housing inventory, and affordability are headed – and what it all means for you.

## **Mortgage Rates: Some Relief, But No Fire Sale**

Let’s start with the big question: **Where are mortgage rates going?**

After the rollercoaster of 2024, **rates are expected to ease slightly, settling around 6.5%** for a 30-year fixed mortgage. That’s **good news** for buyers who were holding out, but don’t expect a massive drop. The days of ultra-low rates are behind us, and today’s buyers need to **adjust expectations** accordingly.

> *“The smart move isn’t waiting for a perfect rate – it’s understanding how to structure your mortgage to work for you,”* says Shekhtman. *“There are ways to navigate rates, whether it’s through adjustable-rate loans, creative financing, or leveraging lender incentives.*“

In short? **Waiting for a miracle drop could cost you the right deal.**

## Housing Supply: Some Markets are Cooling, Some Are Still on Fire

The supply squeeze that’s been pushing prices up for years is starting to **ease in certain areas** – but it’s far from over. In **Texas markets like Dallas and San Antonio, inventory has jumped nearly 50%** compared to pre-pandemic levels. That’s translating to **price cuts and better negotiating power for buyers.**

But not every region is following suit. **The Northeast and Midwest are still seeing tight inventory**, which means sellers hold the upper hand. **Cash offers and quick closings are still king** in these competitive areas.

> *“Real estate isn’t one-size-fits-all,”* Shekhtman explains. *“If you’re in a cooling market, it’s time to negotiate hard. If you’re in a hot market, you need to be aggressive and decisive.”*

## Bottom line? Know your market, know your strategy.

### Affordability: The Real Challenge

Even with rates softening a bit, **affordability remains the biggest challenge**. Prices are still climbing, just at a slower pace – **Fannie Mae projects a 4.5% increase this year**. High home values and elevated borrowing costs are keeping **many first-time buyers on the sidelines**.

> *“People ask me, ‘Is now a good time to buy?’ The answer is: it depends on you,”* Shekhtman says. *“If you’re financially ready and you find the right property, waiting could cost you more in the long run.”*

That’s where **smart mortgage strategies** come in – **rate buydowns, down payment assistance programs, and working with a lender who actually knows how to structure a deal.**

## **Final Word: This Market Rewards Action**

The Spring 2025 market is **not about timing the bottom – it’s about knowing how to play the game.**

- **If you’re buying**: Focus on **negotiation and financing strategies** rather than waiting for rates to plummet.
- **If you’re investing**, good opportunities exist everywhere – it all depends on your goal: for **cash flow**, look at markets with growing inventory, like Texas and parts of the West, where sellers are offering concessions; for **appreciation**, focus on areas with strong job growth, limited supply, and rising demand.
- **If you’re waiting**: Make sure you’re not sitting on the sidelines **out of fear instead of strategy.**

> *“There are always opportunities in real estate,”* says Shekhtman. *“The winners are the ones who know how to find them.”*

Want to talk strategy and **see what’s possible for you?** **Reach out to LBC Mortgage today.**

**Media Contact:**Sofiia Kovalchuk
Head of PR, LBC Mortgage
[sofiia@lbcmortgage.com](<mailto:sofiia@lbcmortgage.com>)
[(818) 217 0138](<tel:(818) 217 0138>)[lbcmortgage.com](<http://lbcmortgage.com>)

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