📉 Today’s Rates Snapshot (Week of November 6th, 2025)
Loan Type | Rate | APR (Est.) |
|---|---|---|
30-Year Fixed | 6.22% | ~6.32% |
15-Year Fixed | 5.50% | ~5.60% |
FHA Loan (30-Year) | 6.02% | ~6.12% |
💡 Rates shown are national averages for well-qualified buyers (740+ credit, 20% down). Your actual rate may vary based on credit, loan type, and down payment.
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Week of: November 6, 2025
The Best Time To Buy a House 🏡
If you want to save money when buying a home, timing matters more than most people think.
On average, homes listed from December through February sell for 8–16% less than those sold in the summer months. That’s thousands of dollars in savings just by picking the right season.
Here’s how each time of year shapes the market:
Winter: This is when prices hit their lowest. Homes sit on the market about 30% longer, which means sellers are more willing to offer credits toward closing costs or rate buydowns. Fewer buyers are out shopping, so the ones who are get more negotiating power.
Spring: Activity ramps up quickly. Inventory peaks, giving you more choices, but competition starts heating up too. Buyers are eager, and multiple-offer situations become common again.
Summer: The market hits its emotional high. Families rush to move before school starts, and that urgency drives prices up. In some areas, bidding wars push values well above list price — especially near strong school zones.
Fall: Demand cools as the holidays approach, and sellers become more flexible again. It’s not as discounted as winter, but you can still find opportunities if you’re patient.
The takeaway? The housing market runs on a cycle — but so do people’s emotions.
When everyone’s rushing to buy, you’ll pay more. When fewer buyers are looking, you’ll often find your best deals.
So, before you start house hunting, look at when you’re buying — not just what you’re buying.
It could be the difference between getting a good deal and a great one.
🔥 Tip of the Week: Beware of Home Equity Agreements
Home Equity Agreements (or HEAs) have become a popular way for homeowners to tap into their equity without taking on new debt, but there’s a big catch.
The investor offering the cash often takes a large share of your future equity and, in some cases, can even limit when or how you sell your home.
It can look like “free money” up front but cost tens of thousands more down the road.
Next week, I’ll break down exactly how these agreements work — and what to watch for before signing one.
👉 Ready to buy a home? [Click Here To Start Your Smart Homebuyer Journey]
That’s it for this week.
Continue learning, plan smart, and, as always, don’t pay more than you need to for your home. 🏡💡
- Brandon Brotsky
P.S. New here? Start with our Smart Homebuyer Welcome Kit; it’s a simple guide to rates, payments, and strategies that could save you thousands.