FROM OUR BLOG
Good news for buyers: more homes, lower payments
October 29, 2025
Good news for buyers: more homes, lower payments
For those that have been waiting for the right moment to buy, conditions are quietly getting better. Local inventory is up, prices are steady, and national mortgage rates ticked lower again. That combination gives prepared buyers more choice and a bit more negotiating room—without guessing at headlines. Below is a quick snapshot:
Data snapshot (Denver Metro + national rate)
- Median Close Price: $607,000 (MoM: ↑ 1.51%)
- Active Listings: 11,964 (MoM: ↑ 22.53%)
- Months of Inventory: 3.08 months (MoM: ↑ 10.79%)
- National Avg. 30-yr Fixed (OBMMI, conforming): 6.115%
What this means for buyers right now
More listings and slightly easier rates mean you can shop with less pressure and potentially lock a payment you’re comfortable with. If a home needs time on market, we can pair strong financing with a seller credit to reduce your payment—or use a short-term buydown to bridge today’s rate to a future refinance. Rate markets were modestly supportive ahead of the Fed decision, with recent commentary noting rates near the lowest levels in a year and sensitive to upcoming headlines—so having a game plan (and a pre-approval) lets you act quickly if the right home appears.
Ideal Market for Buyers
- Inventory: ideally >6 months
- Active Listings: high and increasing
- Home Prices: stable or declining
- Mortgage Rates: stable
Opportunity for Buyers
- Sellers are increasingly open to concessions and repair credits—especially on listings that have been active more than 30 days.
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-Mike, 303-800-4595
Milestone Home Mortgage
NMLS 218281
