Summary
This post helps Flower Mound homebuyers decide whether to purchase a home before year-end or wait until 2026. It covers local housing trends, mortgage rate expectations, advantages of buying now, reasons to wait, and how early preparation with a local mortgage broker can make a big difference.
Current and Expected Rates & House Prices
Whether you’re aiming to buy this winter or preparing for a 2026 purchase, I’d be glad to walk you through today’s rates, local loan options, and how to get fully ready for the Flower Mound market.
After the Fed lowered the prime rate, we saw a very small benefit to mortgage rates. In the last year, rates have been volatile but not a lot of movement up or down. Major market media tends to lead the community to think a big rate change is coming but that’s been the word on the street for years now. Waiting on mortgage rates to drop is just a hopeful thought at this point. Although, mortgage rates are lower than they’ve been, comparatively speaking.
Buying Before Year-End a Smart Move?
If you have spent anytime looking into the housing market in Flower Mound, you know that prices are relatively steady in comparison to other areas of the DFW. You can expect that house prices in Flower Mound would continue to be steady. They are not moving much in either direction. The reputation of the schools and planning in Flower Mound make it a desirable place to live for growing families.
As the majority of the prospective buyers hang in the balance listening to major market media, you can take advantage of the lesser competitive aspects happening in 2025. There are thousands of fence sitters waiting on rates or a sign that the economy is making strides. It’s only a matter of time when the patience runs out or there is a shift in the market and a flood of buyers hits the market. During a “market flood”, sellers will begin to have the upper hand. Competition for housing will increase and the frustration to get a house under the pressure to move quickly will become paramount. I remember when buyers lost 5-6 bid offers before they landed a contract last time the market turned.
local mortgage broker prepare you for a 2026 purchase
As a 20 year loan officer in the area, experience has proven that when the market is ripe in areas like Flower Mound Texas, buyers capitalize from from preparation and knowledge. Early planning is the difference between getting the home you want and missing opportunities. As a local mortgage broker myself, I can help you review your credit, budget, and get pre-approved so you’re ready to act quickly when the house you want hits the market. I’ve seen buyers settle on homes that weren’t their first choice many times as they lost the patience because of the lack of early preparation. You’ll need to understand Flower Mound’s property taxes, neighborhood trends, and current lending programs and strategies to enter 2026 positioned to exploit and take advantage or your buying leverage. Lastly, I’m seeing when sellers are likely to help with closing costs, or willing to come down on price as it relates to the different neighborhoods in Flower Mound.
Whether you’re aiming to buy this winter or preparing for a 2026 purchase, I’d be glad to walk you through today’s rates, local loan options, and how to get fully ready for the Flower Mound market.
Contact me directly at my office phone 469-450-2723 or visit me on Your Mortgage Guy For Life LLC Facebook.
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