The 2025 housing market is shaping up to be one of the most unpredictable in years—will home prices crash, or will they keep rising? In this episode, we break down housing trends, mortgage rate predictions, and real estate industry shifts that every realtor and mortgage professional needs to know. Don’t get left behind—tune in now to get ahead of the competition!

The 2025 Housing Forecast is filled with uncertainty—will home prices drop, mortgage rates stabilize, or affordability continue to be a challenge? In this episode, host Mike Mills sits down with James Kleimann, Managing Editor at HousingWire, to break down the latest real estate trends, policy changes, and mortgage industry shifts that will shape the market in 2025. They dive deep into the impact of rising interest rates, housing supply shortages, and the role of AI in real estate and mortgage lending. Will Fannie Mae and Freddie Mac leave conservatorship? What do proposed real estate commission reforms mean for agents? And how will new federal housing policies affect buyers and sellers? Get the expert insights you need to stay ahead in the fast-changing real estate market.

Mortgage Rates in 2025: What to Expect

Experts predict that mortgage rates will likely stay in the 6% range, with potential fluctuations depending on inflation, economic policies, and Federal Reserve actions. While some hope for a return to 4% rates, the bond market and U.S. debt levels make this unlikely in the near future.

Housing Affordability Challenges Continue

Home prices remain historically high, making affordability a top concern for buyers, real estate agents, and lenders. Rising insurance costs, credit reporting fees, and property taxes add additional strain, preventing many from entering the market despite strong demand.

AI and Automation Are Reshaping Real Estate & Mortgage Lending

AI-driven tools are making real estate agents and mortgage lenders more efficient, but they also threaten traditional roles like underwriters and processors. Big players in the industry are already investing heavily in AI, signaling major shifts in how loans are processed and real estate transactions are handled.

Real Estate Commission Lawsuits Could Reshape the Industry

The DOJ’s focus on real estate commissions and agent steering could lead to major changes in how agents are compensated. New regulations may affect MLS structures, buyer commissions, and the role of brokerages, making it crucial for realtors to stay informed on legal updates.

2025 Will Be a Defining Year for Real Estate Professionals

With fewer home sales, tighter inventory, and evolving regulations, real estate agents and mortgage lenders must adapt to stay competitive. Whether through leveraging AI, improving marketing strategies, or adjusting to new commission structures, professionals who embrace change will have the best chance at success in 2025.

James Kleimann – Managing Editor, HousingWire

James Kleimann is the Managing Editor at HousingWire, the leading news source for real estate and mortgage professionals. With years of experience covering the housing market, mortgage industry trends, and...

What does it take to succeed in a slowing real estate market? This week, Julie Holly reveals the keys to thriving during downturns, scaling your business, and leveraging relationships to uncover hidden deals. If you’re a Realtor looking for practical tips and long-term strategies, this episode is a must-listen!

Mastering Real Estate Cycles is essential for any Realtor looking to succeed in a shifting market, and in this episode, we dive deep with seasoned investor and strategist Julie Holly. Julie shares her insights on navigating today’s challenging real estate landscape, building strong client relationships, and discovering hidden opportunities. From leveraging social media to creating clear sales cycles, she offers practical strategies for Realtors to implement immediately. We also discuss the emotional cycle of change in real estate, the importance of professionalism, and scaling wealth through multifamily investments. If you’ve been wondering how to grow your business during a slowdown, this episode is packed with actionable advice. Whether you're looking for new opportunities or refining your processes, Julie's expertise is sure to inspire and educate.

Define Clear Goals for Success

Julie emphasizes the importance of setting specific, measurable goals to guide your real estate career. By defining what success looks like for you, you can focus your efforts on achieving results that align with your objectives.

Relationships Are the Foundation of Real Estate

Building strong relationships within your community and network is a cornerstone of real estate success. Julie explains how nurturing these connections can uncover hidden deals and establish you as a trusted professional.

Adapt to Market Cycles

Julie highlights why slowing markets are often the best time for growth, as competition decreases and new opportunities emerge. Realtors who remain proactive and embrace market shifts are more likely to thrive.

Leverage Social Media Strategically

Rather than chasing vanity metrics, Julie advises Realtors to use social media to reinforce expertise and maintain visibility with their sphere. Strategic posting can enhance your reputation and expand your reach.

Treat Real Estate Like a Profession

Julie underscores the importance of adopting a professional mindset, from creating clear sales cycles to implementing effective systems. Treating your business with the same rigor as a top company ensures long-term success in any market.

Julie Holly is the founder of Three Keys Investments and the host of The Conscious Investor podcast. As a third-generation real estate professional, Julie brings decades of experience to the table, ranging from residential sales to multifamily investments and assisted living facilities. Her expertise lies in helping investors protect, preserve, and grow their wealth through scalable, strategic investments. Having been both a limited and general partner in large apartment complexes, Julie has navigated complex markets and developed a reputation for her clear, proven strategies. Beyond real estate, Julie is a sought-after speaker and coach, empowering others to achieve financial freedom while staying true to their purpose.

Here are the updated resources mentioned in this episode:

Three Keys Investments Website: Learn more about Julie Holly’s work and explore resources for multifamily investing at https://www.threekeysinvestments.com/.

The Conscious Investor Podcast: Listen to Julie’s podcast for actionable advice on purpose-driven investing:

What do rising mortgage rates, record-low inventory, and Trump’s economic agenda mean for real estate in 2025? This episode dives into the strategies you need to thrive amidst uncertainty. Don’t miss out—your future clients are counting on you to stay ahead.

On this week’s Texas Real Estate and Finance Podcast, we analyze the post-election housing market, focusing on the housing affordability crisis, historic rate trends, and the impact of President Trump’s proposed policies. We tackle the challenges of limited inventory, surging multifamily construction, and shifting demographics in homebuying. Discover practical insights on how deregulation and tax incentives could influence supply and affordability. And don’t miss the final segment where we unveil a powerful AI-driven tool designed to elevate your real estate business for the year ahead.

Mortgage Rates Remain Volatile Amid Economic Uncertainty

Mortgage rates have been on a rollercoaster, fluctuating between the low 6% range and above 7% within weeks. Factors like weak job creation, declining banking liquidity, and the Federal Reserve’s rate cuts are contributing to this unpredictability. Understanding these dynamics is critical for navigating today’s market.

Trump’s Policies Could Reshape Housing Affordability

With Trump’s return to the White House, key policies on tariffs, immigration, and deregulation are expected to impact housing costs and supply. While deregulation and tax incentives could encourage construction, tariffs on building materials and immigration restrictions may exacerbate affordability challenges.

The Housing Affordability Crisis Intensifies

Home prices have risen 57% since 2020, far outpacing wage growth at just 28%, making homeownership increasingly out of reach. The typical age of first-time buyers has climbed to 38, reflecting the growing challenges younger generations face in entering the market.

Economic Pressures Are Reshaping Real Estate Trends

Rising national debt and shrinking market liquidity are putting pressure on the economy and real estate markets. The Federal Reserve’s actions and Trump’s economic agenda could lead to further market volatility, requiring professionals to stay vigilant and adapt to changing conditions.

Revolutionize Your Business Planning with AI Tools

The episode closes with an introduction to ChatGPT as a transformative tool for real estate professionals. This AI platform can help streamline business planning, marketing, and operations, offering agents a competitive edge in 2025’s uncertain market.

Resources Mentioned in This Episode

National Association of Realtors (NAR): https://www.nar.realtor

Mortgage News Daily: https://www.mortgagenewsdaily.com

CoreLogic Home Price Insights: https://www.corelogic.com/intelligence/reports/home-price-insights/

HousingWire – Logan Mohtashami's Analysis: https://www.housingwire.com/author/logan-mohtashami/

IRS Opportunity Zones: https://www.irs.gov/credits-deductions/businesses/opportunity-zones

ChatGPT by OpenAI: