Southern California Mortgage Market Insights: What Homebuyers & Homeowners Need to Know (June 2025)
As the Southern California real estate market evolves, buyers and homeowners across the region are asking: Is now the right time to buy? Should I refinance? Are rates finally dropping?
🏠Southern California Mortgage Market Insights: What Homebuyers & Homeowners Need to Know (June 2025)
As the Southern California real estate market evolves, buyers and homeowners across the region are asking:
Is now the right time to buy? Should I refinance? Are rates finally dropping?
Here’s your expert breakdown of what’s happening right now across Southern California—and how you can make confident mortgage decisions that support your financial future.
đź“Š Market Snapshot: A Window of Opportunity in SoCal
Home prices across Southern California are showing signs of stabilization, with many areas experiencing slight declines or flat growth year-over-year. Homes are sitting on the market a bit longer—often 50–70 days—and sellers are more willing to negotiate.
That creates an opportunity for prepared buyers to make smart, competitive offers. And with inventory tightening in several counties, getting pre-approved now can give you an edge before the next surge in demand.
đź’¸ Mortgage Rates Are Down from Their Peak
In mid-2025, mortgage rates are hovering around 6.5%–6.75% for a 30-year fixed loan. This is a notable drop from the 7.5%–8% range we saw in late 2023.
That difference adds up:
Sample Loan Comparison
  •  🏡 Home Price: $750,000
  •  💰 20% Down: $150,000
  •  🧾 Loan Amount: $600,000
  •  📉 Monthly Savings from 7.85% → 6.65%: Over $400/month
đź’ˇ If you purchased or refinanced in the past 18 months, now may be the time to refinance and lower your payments.
To help you make smart decisions, I offer a suite of programs and products to fit your needs.
Dawn Tiszai
Sr. Loan Officer
Franklin Loan Center
(760) 578-4392