Why Now Is the Best Time to Buy a Home in 2025
If you’ve been waiting for the right time to buy a home, this is it. Interest rates have dropped to their lowest point of 2025—hovering between 6.56% and 6.59%—and buyers have the best negotiating power we’ve seen all year.
Just a few months ago, rates were at their highest in 2025, keeping many buyers on the sidelines. Now, with this dip, you not only get more purchasing power, but you can also negotiate with motivated sellers who are ready to make a deal.
Seller Frustrations = Buyer Opportunities
Many home sellers across Orange County are starting to feel the sting of longer days on market and repeated price reductions. In areas like Anaheim Hills, North Tustin, and even parts of Newport Beach, properties that would have sparked bidding wars in 2021 and 2022 are now sitting longer, forcing sellers to get more realistic. This shift opens the door for buyers to take advantage of frustrated sellers who are ready to negotiate. For example, it’s becoming increasingly common for sellers to offer credits toward closing costs in order to make their home more attractive. Those credits can be strategically applied to lower your out-of-pocket costs, cover loan fees, or even be used to buy down your mortgage interest rate—either permanently or temporarily. This means you could walk away with a monthly payment that feels hundreds of dollars lighter simply because of how the deal was structured.
One of the clearest illustrations of this leverage happened just recently in Anaheim Hills, where I helped a buyer secure $172,000 off the list price—a full 12% reduction—plus seller credits on top of that. That kind of outcome was almost unthinkable during the peak frenzy when sellers had all the power, but today’s market dynamics make it possible. And when you combine seller flexibility with the fact that mortgage interest rates are now sitting at their lowest point of 2025, hovering around 6.56% to 6.59%, buyers suddenly have a double advantage. To put it into perspective, only a few months ago rates were at their peak for the year, significantly higher than what’s available today. That difference directly impacts affordability, and when paired with seller concessions, it’s creating one of the rarest windows for buyers we’ve seen in years.
Why Timing Matters
The Fed’s next meeting on September 17–18 could trigger even more rate cuts. If that happens, expect buyers to flood back into the market, sparking multiple offers and pushing prices higher again.
Buying before that moment means you get:
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Lower rates than we’ve seen all year
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More seller flexibility
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The ability to structure deals in creative ways (buy before you sell, seller credits, rate buydowns)
You Don’t Have to Know All the Strategies—That’s My Job
There are a million ways to structure a home purchase, and you shouldn’t be expected to know them all. That’s where I come in.
As your Orange County Realtor, I work hand-in-hand with my network of lenders to:
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Run the numbers so you’re comfortable with your payment & run through all the creative financial options.
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Strategize how to use seller credits to your advantage & even negotiate a seller credit that will benefit you towards your dream home.
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Explore options like buying your next home before selling your current one.
Buying a home is as much a mental journey as it is a financial one—and waiting could mean missing out again.
✨ Bottom line: Interest rates have dropped to their lowest in 2025. Sellers are motivated. The window of opportunity is open, but it won’t stay this way for long. Knowing a Orange County Realtor who can help you get creative and come up with solutions to get you towards homeownership
📞 A phone call costs nothing—but it could mean everything in getting you your dream home. Let’s talk strategy. Reach out to me directly through our website or social media!
