Are We Headed for
a Double Peak Year?

The Summer 2025 housing market is heating up in an unexpected way, and it could have major implications for buyers, sellers, and investors.

Why Buyers Are Reentering the Market Now

Over the past few weeks, buyers who were sitting on the sidelines have started jumping back into the market.

Here’s why:

• Interest rates are expected to trend lower as the White House continues its push for rate relief.

• Competition is easing slightly compared to the spring rush, giving serious buyers more breathing room.

• More inventory is coming online in certain areas, especially entry-level homes and move-up properties, creating opportunities for different price points.

For first-time homebuyers, this is a rare window to lock in a home before rates potentially fall further, which could cause demand — and prices — to spike again.

Pending Sales Data: A Key Indicator

Recent housing data shows a clear upward trend in pending home sales:

• Pending homes in escrow have surpassed the March 27th high point, signaling strong momentum.

• This kind of late-summer surge is unusual and may indicate sustained demand heading into the fall.

• Historically, this pattern often precedes another price increase cycle — especially if mortgage rates continue to dip.

This is why timing the market is critical right now. Waiting just a few months could mean competing in a much more aggressive environment.

Mortgage Rate & Economic Updates

The mortgage landscape is shifting quickly:

• The White House is actively pushing for policies to help lower interest rates, making homeownership more affordable.

• The FHFA (Federal Housing Finance Agency) is considering updates to Fannie Mae and Freddie Mac, which could have a direct impact on lending guidelines.

• As job reports and inflation data come in, many economists expect mortgage rates to trend downward, potentially reaching the low 6% range or even dipping into the high 5% range later this year.

Bottom line: Lower rates will fuel more demand, which could push home prices higher — especially in desirable areas like Dana Point, San Clemente, Laguna Niguel, and other Southern California coastal communities.

What This Means for Sellers

If you’ve been considering selling your home, the next few months may be a golden opportunity:

• Buyer demand is accelerating, especially for move-in ready homes and properties in sought-after school districts.

• Sellers who list now could benefit from multiple-offer situations before inventory builds up in late fall or winter.

• Homes in prime locations — such as waterfront properties and luxury estates — are still commanding top dollar.

Strategic Advice for Buyers and Sellers

Navigating today’s market requires a clear strategy:

• Buyers: Get pre-approved early and be prepared to act quickly when the right property hits the market.

• Sellers: Stage your home and price strategically to maximize offers while competition is still manageable.

• Investors: Watch for rate cuts and policy updates that could open up new opportunities in the rental or flip markets.

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Whether you’re buying, selling, or simply watching the market, Summer 2025 is shaping up to be a pivotal season for real estate.
The combination of shifting interest rates, late-season demand, and policy changes could create a second peak in activity later this year — something we rarely see in the housing cycle.

Don’t wait to prepare. The earlier you position yourself, the better you can capitalize on the opportunities ahead.

If you want a personalized plan, let’s talk. Call me at (949) 835-4713 or email simon@sellwiththerightguy.com to discuss your goals and how to make the most of the current conditions.