The summer real estate season is in full swing, but not in the way most buyers expected. According to the latest data on mortgage rates today from Mortgage News Daily, average 30-year fixed rates remain in the high 6% range. Despite early 2025 predictions, experts now agree that we won’t see significant drops anytime soon.
That’s left many asking the big question, Is now really the best time to buy a house?
Spoiler alert- It can be! Especially if you're looking at new construction homes with attractive builder incentives.
Why Builders Are Winning in Today’s Mortgage Market
While traditional resale homes are stuck in a high-rate environment, home builders are flipping the script, and it’s paying off. According to the July 2025 Housing Market Trends Report by Keeping Current Matters, builders are offering rate buy-downs, closing cost credits, and other builder incentives that significantly reduce the cost of buying.
Some buyers are scoring rates well below current averages simply by choosing new builds over resale.
Here’s what the data says
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57% of builders are offering incentives on to-be-built homes
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75% are offering deals on quick move-in inventory
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37% of builders are actively cutting prices, the highest since 2022
These incentives make new construction homes not just competitive, but potentially more affordable and strategic than resale options.
Housing Market Trends Show Buyers Are Regaining Control
It’s no secret that today’s market looks very different from the chaos of 2021–2022.
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Inventory is rising
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Buyer competition is cooling
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Prices are stabilizing or dropping in key metro areas
In fact, over 20 of the top 50 U.S. markets have seen year-over-year price declines. This shift in housing market trends is giving buyers a clear edge they haven’t had in years.
If you’ve been sidelined by bidding wars or rising prices in the past, this is your moment to re-enter the market with stronger negotiating power.
Is It the Best Time to Buy a House? Experts Say: Don’t Wait
Many buyers are sitting on the sidelines, hoping for rates to drop. But projections from Fannie Mae, Wells Fargo, and the Mortgage Bankers Association all suggest that mortgage rates today will likely stay in the mid-6% range through at least mid-2026.
Waiting for a 4% rate could mean
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Missing out on builder discounts
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Losing leverage as buyer activity picks up
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Watching prices rebound in competitive areas
Bottom line? If you’re thinking about a move in 2025, especially in North Texas, this could be the best time to buy a house, and new construction homes may offer your smartest path forward.
Final Thoughts, New Builds, Better Rates, More Control
When you combine,
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Elevated inventory
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Strong builder incentives
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Less competition
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Steady mortgage rates today
…you get a buying environment that favors educated, opportunity-driven buyers.
Whether you're looking for space, energy efficiency, or flexible move-in timelines, new construction homes deliver options that resale inventory simply can’t match right now.
Let’s Talk About Your Next Move in North Texas
Curious how these trends affect your buying power in Argyle, Denton, Flower Mound, or surrounding areas?
Let’s connect for a real conversation about housing market trends and how you can make the most of the market.
