ilmscore | Prediction Details
"But you can also see something similar happen on the supply side. Now, we finally in 2025, towards the second half of 2025, started to see more sellers than buyers in the market. This took a long time to actually start to see more listings hit the market. But now, if we do see lower mortgage rates, that could mean that sellers that were thinking about moving into a new house might feel a little bit of relief because the big concern that a lot of sellers had is, hey, I bought a house at a 2.5% mortgage rate. If I buy a new house today, I got to pay 6 and 12 or 7%. I don't want to do that. Maybe we'll just stay in this house longer. But if mortgage rates fall, then that same seller might say, "Hey, I got this 2 and a.5% mortgage rate. If I have to go to a 4%, even maybe a 5%, it's not as bad as a 7%. Maybe we should think about selling and going to that bigger house or the smaller house or into the new city that we're thinking about moving into." So that's where lower interest rates can also work to increase supply."
By Minority Mindset | August 19, 2025 | Pending
From video
What A Banker Just Told Me About The Housing Market 00:08:00 - 00:08:58
Interpreted Prediction
Lower mortgage rates in the latter half of 2025 could increase supply by incentivizing sellers who were hesitant due to high replacement mortgage rates.

Prediction Details

Topic
US Housing Market Supply

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