Written by Chase Majerus
Welcome back to This Week Today, your real estate cheat sheet – minus the jargon. We’ve got tariffs shaking the markets, mortgage rates taking a nosedive, and homebuilders basically throwing keys at people in Texas. Whether you’re a buyer, a seller, a “wait and see”-er, or just here for the mansion eye candy and financial fitness inspo, this week’s newsletter is stacked.
Let’s dive in. And remember, rate dips wait for no one.
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Mortgage rates just hit their lowest levels of 2025, and the housing world is buzzing like someone spiked the punch.
After a surprise move by the U.S. government to slap tariffs on foreign imports, the financial markets had a mild panic attack. Stocks took a tumble, investors rushed to the safety of bonds, and in that shuffle, mortgage rates took a nosedive.
According to Mortgage News Daily, the 30-year fixed dropped to 6.63%, while the 15-year slid down to 6.05%, marking the lowest point we’ve seen this year. If you’re a buyer, a homeowner eyeing a refinance, or someone who’s been stuck in analysis paralysis, this could be your sign from the real estate gods.
One thing to note… nothing big… but tariffs have a sneaky way of triggering inflation, and if inflation creeps back in, rates could boomerang right back up. Think of this rate dip like a flash sale: it’s exciting, it’s real, but it probably won’t last long.
Experts agree we’re in for some rate whiplash over the coming months, so timing your move just right will matter more than ever. That means getting pre-approved, watching the market closely, and having a strategy—aka, no winging it.
For now, this is a rare opening, so whether you’re buying, refinancing, or unlocking equity, the smart money is moving fast.
If Gary’s villa in Season 3 of The White Lotus had you Googling “how to become rich overnight,” you’re not alone. Turns out, that dreamy spot is very real, and very rentable. Let’s check it out:
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Homebuilders are sitting on more unsold homes than we’ve seen since the Great Recession, and yes, that’s a big deal.
As of February, around 119,000 completed homes were still looking for owners, and builders are tossing out incentives like candy: think mortgage rate buydowns, closing cost credits, free appliances, and even straight-up price cuts.
These “spec homes”, aka move-in ready properties built without a buyer, are suddenly the housing market’s hottest deals, especially in fast-growing states like Texas, Arizona, and Florida. One buyer in San Antonio scored $30K off the list price plus a 4.99% rate buydown and free upgrades.
Builders got ahead of themselves trying to meet pandemic demand, but rising rates and affordability issues cooled things off fast, leaving them with a backlog they now really need to clear.
While inventory remains tight in places like California and parts of the Midwest, in the South and Southwest, it’s a buyer’s playground. Just don’t expect perfection: fast builds sometimes mean fast problems. And with tariffs looming and construction costs in flux, builders are adapting however they can, even if that means more spec homes and fewer custom builds.
Translation? If you’re in the right zip code, now might be the perfect time to ask a builder, “What kind of deal can you make me?”
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