More Inventory, Fewer Buyers, and Static Rates – What’s Next?

Market Spotlight: More Inventory, Fewer Buyers, and Static Rates – What’s Next?

This summer’s real estate market is shifting—creating new opportunities for both buyers and sellers. With fewer buyers in the mix and rising inventory levels, we're entering a season where strategy and timing are everything. Our trusted lending partner, Envoy Mortgage, has provided some timely insights that we’re excited to share.

🏡 Market Trends at a Glance – Week of June 9, 2025

• 30-Year Fixed Rate: Holding steady at 7.0%

• Buyer Activity: Dropped slightly, with a 2.6% decrease in pending contracts

• Seller Momentum: Inventory is up 32.2% year-over-year, with 39% of listings seeing price reductions

• Outlook: Market momentum is softening, but that opens opportunities for prepared buyers

📈 Rates Remain Volatile

Mortgage rates dipped briefly last week but bounced back quickly after stronger-than-expected job data. With inflation reports and a Fed meeting ahead, short-term volatility is likely. Locking in rates early may be the best move for buyers in this climate.

💼 Loan Solutions Spotlight: Powered by Envoy Mortgage

Envoy Mortgage isn’t just tracking the market—they’re equipping buyers with flexible tools to take advantage of it. Their wide range of loan programs is designed to meet the needs of a changing market. A few highlights include:

🔹 Envoy Rate Saver (Lender-Paid 1-0 Buydown)

This standout program allows buyers to reduce their mortgage interest rate by 1% for the first year, at no cost to them—Envoy covers the buy-down. It's a fantastic way to ease into homeownership and enjoy immediate monthly savings.

🔹 Other Programs Offered:

• FHA, VA, USDA Loans – Accessible options for first-time buyers and veterans

• Jumbo Loans – For luxury or high-value properties

• Renovation Loans – Finance home improvements into your mortgage

• Down Payment Assistance Programs – Help when saving for upfront costs is a challenge

• Lock & Shop – Lock in a rate while you continue house hunting

You can explore the full range of programs at: envoymortgage.com/loan-options/programs

🛍️ Buyer Advantage This Summer

With more listings, price reductions, and sellers open to negotiation, now is the time to make a move. Buyers who stay active while others pause can secure great homes—and even better deals.

💡 “Don’t wait for the market to heat back up—lock in deals while others hit pause.”

A special thank you to our preferred lender, Envoy Mortgage, and Janice Lake, for providing this timely and actionable market insight. Their team is ready to help you navigate today’s evolving mortgage landscape with confidence.

Let’s talk if you’re ready to take advantage of this market. We're here to help you every step of the way.