’Twas the Night Before Christmas: Idaho Mortgage Market 2025 'Twas the Night Before Christmas… and the Idaho Mortgage Market in 2025 🎄🏡 Published: December 24, 2025 | Updated: December 24, 2025 | Location: Idaho If you're a homebuyer or realtor in Idaho, 2025 probably felt like one long game of "refresh the rate sheet." 📉📈 Rates moved up, down, and sideways. Inventory stayed tight. Buyers asked the same question on repeat: "Is now the right time?" Realtors answered with the only honest response possible: "It depends." 😅That's why we made this short holiday video - a quick, Idaho-flavored year-in-review of the mortgage market. It's meant to be fun, relatable, and painfully accurate (in the nicest way). 🎥❄️ Watch the video 🎬 Embed your YouTube link below: What happened in 2025 (in plain English) 🧾 We watched Fed meetings like holiday specials, hoping for a surprise we could unwrap. 🎁 Sometimes we got a pause. Sometimes we got a speech. Rarely did we get clarity. Payments eased a little, then tightened again - enough to spark hope, not enough to make decisions easy. Buydowns became the stocking stuffer of choice: helpful, temporary, and always followed by fine print. 🧑⚖️ VA and FHA buyers stayed active, while many conventional buyers waited on the sidelines, convinced next year would be "the year." Refinances stayed quiet. Purchases carried the market. Credit score changes came and went, mostly unnoticed, explained in language no one asked for. 📄 And yes - somewhere along the way, someone floated the idea of a 50-year mortgage… which Idaho promptly laughed at before getting back to escrow. 😂 Through it all, one thing stayed consistent: Idaho buyers and sellers kept moving forward. Not because the market was perfect, but because life doesn't wait for perfect timing. 🏔️🏠 By Jerry E. Robinson, Broker/CEO, 1st Choice Mortgage, NMLS 380736, 4475 FAQ ❓ Why did mortgage rates feel so unpredictable in 2025? Rates react to inflation data, jobs reports, bond markets, and Federal Reserve signals. In 2025, those inputs pulled in different directions, so rates often moved without giving buyers a clear "all good" sign. What does "inventory tight" mean for buyers in Idaho? It means fewer homes available relative to demand. That can keep prices firm and make timing tougher, especially in popular areas. Buyers often need strong preparation and quick decision-making. What is a buydown and why did it show up so much? A buydown is a strategy (often paid for by a seller, builder, or lender credit) that temporarily reduces the interest rate to lower the initial payment. It was popular in 2025 because it helped affordability without waiting for market rates to drop. Is a 50-year mortgage a real thing? It's been discussed in the broader housing conversation as a theoretical affordability tool, but it's not a mainstream mortgage product in the U.S. Longer terms can lower monthly payments, but they can also increase total interest paid over time. Find more information about that 50 year mortgage here What's the best way to decide whether to buy or wait? Start with what you can comfortably afford, your timeline, and your stability (job, savings, plans). Then compare the cost of renting vs. owning in your area and consider options like buydowns or different loan types. A quick, numbers-based comparison usually beats guessing where rates will go. best mortgage lender best rates FHA loans Idaho housing market Idaho Idaho home buyers Idaho Housing Idaho mortgage market Idaho Real Estate Idaho Realtors local mortgage lender mortgage rates 2025 real estate trends Idaho VA loans Idaho 1st Choice Mortgage Company, LLC Click to Call or Text: (208) 375-5626 This entry has 0 replies Comments are closed.
'Twas the Night Before Christmas… and the Idaho Mortgage Market in 2025 🎄🏡 Published: December 24, 2025 | Updated: December 24, 2025 | Location: Idaho If you're a homebuyer or realtor in Idaho, 2025 probably felt like one long game of "refresh the rate sheet." 📉📈 Rates moved up, down, and sideways. Inventory stayed tight. Buyers asked the same question on repeat: "Is now the right time?" Realtors answered with the only honest response possible: "It depends." 😅That's why we made this short holiday video - a quick, Idaho-flavored year-in-review of the mortgage market. It's meant to be fun, relatable, and painfully accurate (in the nicest way). 🎥❄️ Watch the video 🎬 Embed your YouTube link below: What happened in 2025 (in plain English) 🧾 We watched Fed meetings like holiday specials, hoping for a surprise we could unwrap. 🎁 Sometimes we got a pause. Sometimes we got a speech. Rarely did we get clarity. Payments eased a little, then tightened again - enough to spark hope, not enough to make decisions easy. Buydowns became the stocking stuffer of choice: helpful, temporary, and always followed by fine print. 🧑⚖️ VA and FHA buyers stayed active, while many conventional buyers waited on the sidelines, convinced next year would be "the year." Refinances stayed quiet. Purchases carried the market. Credit score changes came and went, mostly unnoticed, explained in language no one asked for. 📄 And yes - somewhere along the way, someone floated the idea of a 50-year mortgage… which Idaho promptly laughed at before getting back to escrow. 😂 Through it all, one thing stayed consistent: Idaho buyers and sellers kept moving forward. Not because the market was perfect, but because life doesn't wait for perfect timing. 🏔️🏠 By Jerry E. Robinson, Broker/CEO, 1st Choice Mortgage, NMLS 380736, 4475 FAQ ❓ Why did mortgage rates feel so unpredictable in 2025? Rates react to inflation data, jobs reports, bond markets, and Federal Reserve signals. In 2025, those inputs pulled in different directions, so rates often moved without giving buyers a clear "all good" sign. What does "inventory tight" mean for buyers in Idaho? It means fewer homes available relative to demand. That can keep prices firm and make timing tougher, especially in popular areas. Buyers often need strong preparation and quick decision-making. What is a buydown and why did it show up so much? A buydown is a strategy (often paid for by a seller, builder, or lender credit) that temporarily reduces the interest rate to lower the initial payment. It was popular in 2025 because it helped affordability without waiting for market rates to drop. Is a 50-year mortgage a real thing? It's been discussed in the broader housing conversation as a theoretical affordability tool, but it's not a mainstream mortgage product in the U.S. Longer terms can lower monthly payments, but they can also increase total interest paid over time. Find more information about that 50 year mortgage here What's the best way to decide whether to buy or wait? Start with what you can comfortably afford, your timeline, and your stability (job, savings, plans). Then compare the cost of renting vs. owning in your area and consider options like buydowns or different loan types. A quick, numbers-based comparison usually beats guessing where rates will go.
