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Affordability Is a Challenge, But You Can Still Close Deals

Mortgage rates remain elevated in late 2025, impacting housing affordability and slowing buyer activity. Here’s how title companies are responding.

What’s Happening:

Mortgage rates are still higher than many buyers would like. Even though they’ve dropped a little, it’s not enough to make homes feel affordable again. That’s why many people who already own homes are choosing not to move. They don’t want to trade their low mortgage rate for a much higher one.

This means fewer homes are being listed, and buyers have fewer options. And even when they find something they like, the monthly payment often feels out of reach.

Why It Matters

As a real estate agent, this slower market can be frustrating—but it’s also a chance to shine. Here’s how:

  • Be a trusted guide: Explain clearly how mortgage rates affect what buyers can afford.
  • Set expectations: Help your clients understand how much home they can realistically get right now.
  • Partner with the right team: Work with lenders and title reps who can move fast and help solve problems before they delay a deal.

How Title Services Can Help:

In a market like this, title companies play a big role in helping agents close deals smoothly. Here’s how SoCal Title Company supports agents:

  • Quick turnarounds on property profiles and prelims
  • Proactive issue resolution so title problems don’t slow you down
  • Friendly, responsive reps who help you educate your clients

Quick Tip for Agents:

Even if your clients are unsure about buying, requesting a Property Profile early in the process can help uncover any issues that could cause delays. It’s a smart move when listings are limited and timing matters.

Author:

SoCal Title Company

October 24, 2025

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