As 2025 winds down, the mortgage market is catching its breath after an active fall season. Recent data show that home-loan pricing has been fairly steady over the past few weeks, but investors and lenders are watching one number closely—the upcoming Consumer Price Index (CPI) report on November 13.
Why does this matter for homebuyers and homeowners?
CPI measures changes in the cost of everyday goods and services. When inflation cools, long-term interest rates often ease as well. When prices rise faster than expected, investors may push rates higher to offset the added risk. That means next week’s inflation report could influence mortgage pricing for the remainder of the year.
National housing data show that buyer demand is consistent but not surging. Affordability continues to be the main constraint, though sellers who are realistic on price—or who offer closing-cost credits or rate-buydown options—are seeing faster movement. Builders are still finding success by including incentives that help offset monthly payments.
If you’ve been waiting for the “perfect” time to buy or refinance, it may be smarter to focus on overall readiness rather than chasing the next market headline.
Make sure your pre-approval reflects current income, assets, and credit.
If you’re selling, talk with your agent about flexible concession strategies that preserve your target net price while helping a buyer qualify.
For homeowners who financed when rates were higher, keep an eye on your loan-to-value and payment savings potential going into 2026.
Mortgage Outfitters monitors daily market movement, lender program updates, and underwriting trends so we can match each borrower to the program that best fits their goals. Whether you’re purchasing, building, or exploring a refinance, our priority is helping you understand your options clearly—no pressure, no surprises.
Have questions about your financing strategy or want to know how upcoming data might affect your plans? We’re happy to walk through the scenarios with you.
Mortgage Outfitters LLC | NMLS #2669832
Equal Housing Lender. This post is for informational purposes only and should not be construed as a commitment to lend or an offer of credit. All programs, terms, and conditions are subject to change without notice. For qualified borrowers only. Not intended for distribution to real-estate professionals or third-party originators.
