Mortgage rates are moving — but not always for the reasons you think. In this episode, we cut through the noise to explain what’s actually driving the market and how you can position yourself to win, whether you’re buying, selling, or refinancing in the next 12 months.

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Listen to related episodes:

• 🎧 Navigating the Real Estate Market - A Guide to Buying and Selling Your Dream Home in 2023 - with Matt Quinlan ( Classified Realty Group )
• 🎧 Understanding Mortgage Rates and Refinancing - with Matt Quinlan & Ed Whitehouse - 037
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Here’s what we cover:

• The real rate driver: Why the 10-year treasury matters more than the Fed’s announcements.
• Rate lock strategy: When waiting makes sense… and when it could cost you big.
• Refinancing opportunities: How some lenders are waiving fees and giving credits for lower-rate refis.
• The Massachusetts market reality: Why supply and demand — not just interest rates — keep prices steady or rising.
• The Affordable Homes Act: What ADUs (Accessory Dwelling Units) mean for homeowners, investors, and housing supply.
• Creative housing solutions: From in-laws to backyard rentals, how new rules open the door for added income or downsizing.
• Market timing tips: How to read the signs before making your next move in 2025.

Whether you’re a first-time buyer, a homeowner waiting to refinance, or a real estate pro helping clients navigate the shifts, this episode gives you the insider insight to make smarter decisions.

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