In this December 2025 Monthly Market Report, I break down what’s really happening in today’s housing and mortgage market and why this could be one of the most interesting windows for buyers we’ve seen in years.
We cover the Federal Reserve’s third straight rate cut and what it actually means for mortgage rates, the bond market, and affordability moving into 2026. I also explain why Fed policy does not directly control mortgage rates, but still plays an important role in long-term trends.
You’ll hear a clear breakdown of rent vs. buy affordability, why renting can look cheaper short-term, and how homeownership continues to outperform over time as a wealth-building tool through equity and appreciation. We walk through real data from First American, Redfin, Realtor.com, and Bankrate to show how affordability has improved to a three-year high in many markets.
We also dive into inventory trends, days on market, price reductions, and why buyers currently have more leverage in negotiations, including seller credits, repairs, and rate buy-downs. I explain why winter can quietly be one of the best times to buy, while many buyers pause and competition drops.
Finally, we talk about new construction incentives, hidden risks with builder buy-downs, and why understanding your time horizon matters more than chasing an artificially low rate.
If you’re deciding whether to rent, buy, sell, or wait, this report will help you see the full picture.
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I’m Kevin Brierton, your No Excuse Lender and Certified Mortgage Planning Specialist. Thanks for watching, and I’ll see you in the January market report.
Kevin Brierton
Branch Manager - Certified mortgage planning specialist - CLA
NMLS #599873
Scottsdale, AZ
CONNECT WITH ME
kevin@kevinbrierton.com
www.kevinbrierton.com
https://www.facebook.com/TheBriertonTeam
ABOUT KEVIN BRIERTON
I have been in mortgage banking since 2004. During this time, I have successfully helped more than 1,650 families with more than $500 Million in residential mortgages, placing me consistently among the top in the industry. I spend the 1st Friday of every month studying all of our products, guidelines, & lending criteria.
In addition, I work closely with our underwriting & secondary markets to fully understand all our mortgage products to ensure I am able to empower more families to gain homeownership. Our team of fully trained mortgage specialists has the attitude of “how can we make this loan work” rather than just assuming it won’t. Other Lenders find problems, we find solutions, and we are excited to find a solution for you & your Family!
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