Interest Rates in 2025: What Buyers and Sellers Need to Know

The Federal Reserve has hinted at potential rate cuts later in 2025, but for now, interest rates remain higher than we saw during the pandemic boom years. This shift has reshaped how buyers approach affordability and has added pressure to sellers who may need to adjust pricing or offer concessions.

In North Central Florida, we’re seeing creative financing options—like rate buydowns and seller-paid closing costs—become more common. Buyers are also exploring down payment assistance programs, while sellers are leaning on strategic pricing and presentation to stay competitive.

💡 Key Tip: Don’t focus only on interest rates. Your monthly payment and long-term equity potential depend on more than just your rate. We help our clients look at the full picture to make smart, sustainable decisions.