Worried about a 2008-style housing crash? Here’s what’s different today, including lending standards, homeowner equity, inventory, and what to watch next.
Choosing the Right Loan in Today’s Market If you're planning to buy a home in 2025, one of the biggest decisions you'll make is choosing the right type of mortgage. With interest rates, home prices, and personal finances all evolving, your loan choice can have a huge impact on your monthly budget and long-term financial health.
The Monthly Cost Comparison: At first glance, renting may seem like the more affordable option in 2025. In many U.S. cities, the average monthly rent is nearly $900 less than the monthly payment on a starter home. That sticker shock alone can make renting look like the clear winner.
Every time mortgage rates start moving, the same big question comes up: Should I act now or wait? After the Federal Reserve’s expected rate cut in mid-September, buyers and homeowners alike are wondering whether it’s smart to move forward with a purchase or refinance — or hold off and see if rates fall further. The truth? There’s no one-size-fits-all answer, but there are clear factors to guide your decision.
