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Mortgage MinutePublished November 20, 2025
The Shutdown Is Over, But Your Buying Window Is Still Wide Open
🏡 The Shutdown Is Over, But Your Window Is Still Wide Open
The government shutdown is officially behind us, and while headlines suggested a big market reaction, the reality was much quieter. Rates barely moved. Affordability didn’t change. And the opportunity buyers have had for weeks? It’s still here. Wide open and working in your favor.
Here’s what matters:
Most buyers hit pause in November. Travel, family, and holiday planning take over… and real estate falls to the bottom of the to-do list. But the market doesn’t stop, it simply gets calmer. And calm markets create openings.
Right now, mortgage rates hovering near ~6% continue to give buyers more breathing room and better monthly payment flexibility. Sellers are motivated before year-end. And inventory is still moving, but at a slower, quieter pace.
🌙 The Holiday Lull = Your Advantage
While everyone else waits for a “signal” - a rate announcement, a flashy headline, or the new year - informed buyers are stepping in. Historically, the best deals and best terms happen during moments just like this: when the market feels still.
⭐ If You Want to Get Ahead of January Competition, Start Now
The spring rush always begins earlier than people expect. By January, more buyers return, more multiple-offer situations appear, and the calm window closes quickly.
You’re not behind.
You’re early - and that’s the advantage.
Let’s talk strategy and take a look at what’s available before the next wave of buyers is back in motion.
Happy House Hunting!
Average 30-year fixed mortgage rate data referenced from Mortgage News Daily.
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