As 2025 progresses, momentum is returning to the housing market. Yahoo Finance reports that lower mortgage rates and easing price growth are drawing buyers back. Those who act early may gain a clear advantage. With market confidence rising, the question is no longer if to buy, but how fast you can secure financing.
Here is what you should know and how America Mortgages can help you act decisively.
Market Signals Are Turning More Favourable
According to Yahoo Finance, mortgage rates have eased somewhat from their peaks over the past year. As rates continue to trend lower, affordability has already improved for many buyers.
At the same time:
- Home price growth is moderating — meaning prices aren’t spiking as aggressively as in past years.
- Inventory (homes for sale) is slowly improving, offering more choices and potentially more room for negotiation.
- More buyers are moving quickly to close before year-end, hoping to lock in better rates or incentives.
Altogether, these shifts suggest that acting sooner lets you secure the best terms while options remain open and the market isn’t saturated with new owner-occupied or investors that were on the sidelines waiting for rates to drop. Remember this phrase, and I’ll explain it further in “Date the rate. Marry the property”.
What You Need to Watch and Do Now
If you are considering buying a home in the U.S. before 2026, timing and preparation are key. This is where America Mortgages can help. Our team specialises in supporting international buyers through every stage of the U.S. mortgage process so you can act confidently when the right opportunity appears.
Start by locking in a competitive rate. Even a small change in interest rate can mean significant long-term savings. America Mortgages tracks market movements daily and can help you compare loan programs or secure a rate-lock option that protects you if conditions shift.
Next, get pre-approved before you start your property search. A pre-approval is free of charge at America Mortgages and shows sellers that you are a serious buyer, and reduces surprises later. We can help you prepare the necessary documents, assess your eligibility even without a U.S. credit score, and determine exactly what you can afford.
According to real estate analysts, timing your contract can also make a difference. End-of-year transactions or motivated sellers often provide better terms. Our lending specialists work closely with agents and borrowers to identify these opportunities and move quickly when they arise.
Whether you are a foreign national or a U.S. expat, America Mortgages ensures you do not miss this window of opportunity, making U.S. home ownership possible wherever you are in the world.
Date the rate. Marry the property.
You’ve probably heard the phrase: “Date the rate. Marry the property.” It means you can always change your interest rate later through refinancing, but the property you lock in today is what you’re truly committing to. Right now, interest rates are higher than we’d like, but they’re temporary. What isn’t temporary is the value of securing a great property in a market where inventory is still relatively tight and competition hasn’t fully reignited … yet.
The moment rates drop, the floodgates will open. All the buyers who’ve been sitting on the sidelines will rush back in, creating bidding wars and driving prices up fast. If you wait for rates to come down before buying, you’ll likely face stiffer competition, inflated prices, and a much harder fight to get the property you want.
In other words, you may get a slightly better rate, but you’ll overpay for the house.
Smart investors act ahead of the crowd. Buy the right property now, while others hesitate. When rates drop, and they will, you can refinance and improve your cash flow, all while sitting on an appreciating asset that others will wish they’d bought when it was still within reach.
Why Acting Before 2026 Could Pay Off
- You may lock in a rate before further increases.
- You will avoid bidding wars that often follow improved inventory.
- You will position yourself ahead of hesitant buyers, reducing competition.
- You will begin building equity in your property sooner.
How America Mortgages Helps You Act Before the Window Closes
If you’re living outside the U.S. but have been waiting for the right time to buy, this could be it.
At America Mortgages, we make it possible for foreign nationals and U.S. expats to secure full-term U.S. property financing without needing a U.S. credit score or local income.
Whether you’re looking to purchase, refinance, or tap equity, our global lending team structures mortgage solutions based entirely on your international financial profile.
Key Highlights:
- No U.S. credit score required
- Foreign income accepted
- Up to 80% loan-to-value
- Over 150 loan programs designed for non-U.S. citizens
- Fixed rates up to 30 years, regardless of the age of the borrower
- Loan amounts as low as $150k
- DSCR – investment property mortgagee loans that require no personal income to qualify
- 30-year fixed rates regardless of the age of the borrower
- 10-year fixed interest-only loans
- No W2 required for U.S. expats, and foreign income accepted
- Mortgage loans available across all 50 U.S. states
If you’ve been planning to purchase U.S. real estate, now is the ideal moment to act while rates and prices remain favourable.
Speak with an America Mortgages specialist today, and we’ll show you what’s possible even if you’re thousands of miles away.
If you’re thinking of buying in the next few months, now is a great time to start the conversation. Let’s map out a strategy together before the window closes.
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