What 6.9% Mortgage Rates in 2025 Mean for You — And How I’ve Got Your Back

Explanation of 6.9% rates

Your PNW High-Vibe Mortgage Advisor, LO, NMLS 2130776

If you’ve been thinking about buying a home in 2025, you’ve likely noticed the buzz around mortgage rates. 📉 This year, average rates are hovering around 6.9%, and while that may feel like a big number (especially compared to the low rates we saw a few years ago), it’s important to understand what this really means for you — and how it doesn’t have to stop you from achieving homeownership. 🏠✨

Let’s break it down. A 6.9% interest rate means higher monthly payments than some buyers were paying in past years. That can feel intimidating, especially if you’re budget-conscious, trying to move out of renting, or hoping to build long-term wealth through real estate.

But here's the truth most don’t tell you: Waiting doesn’t always save you money. Home prices are still rising due to limited inventory, and if you keep waiting for the “perfect rate,” you may end up paying more later on — either in price, rent, or lost equity growth. ⏳💸

Now here’s where I come in — as your high-vibe mortgage advisor. 🙌 My job isn’t just to get you into a home; it’s to support you energetically and strategically so you can make moves with confidence. I’ll guide you through the buying process in a way that feels grounded, clear, and aligned with your goals.

Even better? Once you're in your home, I’ll keep a pulse on interest rates for you. If the market shifts and we spot an opportunity to refinance and lower your payment, I’ll reach out and walk you through it — no guesswork, no stress. Just a solid plan and soulful support. 🌟

So if you’re wondering, “Is now the right time?” — the answer might be yes, and I’d love to help you explore it.

Reach out to me today: Jarae Pearson, LO, NMLS 2130776

📧 jpearson@canopymortgage.com

Let’s make your dream home a reality — even in a high-rate season. 💫