Insider Discussion – Mortgage Rates Fall Below 6%!
Insider Discussion – Mortgage Rates Fall Below 6%!
Mortgage Rates Decline
What’s really catching buyers’ attention right now is mortgage rates. After hovering well above 7% for much of 2024 and 2025, mortgage interest rates have recently dipped back below 6% — the first time we’ve seen that in roughly three years according to national mortgage data.
That shift is significant — even a modest drop in rates boosts purchasing power, lowers monthly payments, and brings many fence-sitters back into the market. With rates trending near multi-year lows, buyers who were waiting for a better entry point may find that window of opportunity is opening right now.
I hope this information was helpful! If you are considering buying or selling a home, I would love to talk to you. I am a seasoned agent with over 24 years of experience in the local real estate market. I would love to be able to get you the financial result you desire from your current home to get you in to that Dream Home! Don’t hesitate to call me anytime at 260-579-1516 or you can email me at mike@mikearchbold.com.
Mortgage Rates Dip In Northeast Indiana Real Estate Market – December 2025
Mortgage Rates Dip Below 6% as the Market Continues to Balance
As we close out 2025, the Northeast Indiana housing market continues a gradual but meaningful shift. After several years of intense seller dominance, the market is showing signs of balance — not a slowdown, not a crash, but a recalibration that benefits both buyers and sellers.
At the same time, mortgage rates have dipped below 6% for the first time in nearly three years, a change that could have a real impact on buyer behavior heading into 2026.
Let’s break down what the latest numbers tell us and what they mean if you’re thinking about buying or selling.
December 2025 Market Snapshot – Fort Wayne Area
According to the Upstate Alliance of REALTORS®, here’s how the Fort Wayne area performed in December 2025 compared to December 2024:
- New Listings: 429 (down 10%)
- Pending Sales: 449 (up 3%)
- Closed Sales: 635 (up 12%)
- Median Sale Price: $250,000 (up 7%)
These numbers point to a market that remains active and resilient, even with fewer new listings entering the system. Closed sales rising at a double-digit pace tells us demand is still strong, while price growth — though positive — is no longer accelerating at the aggressive pace seen in prior years.
Mortgage Rates: A Meaningful Shift Below 6%
One of the most important developments impacting the market right now isn’t local — it’s financial.
Mortgage rates have recently dipped below 6%, marking the first time we’ve seen rates at this level since early 2022. While that change may seem small on paper, it has a noticeable effect on affordability.
Even a one-percentage-point rate reduction can:
- Lower monthly payments
- Increase purchasing power
- Bring previously sidelined buyers back into the market
For many buyers who paused their search due to rate volatility, this shift provides renewed confidence — not necessarily to rush, but to re-engage.
Inventory Is Higher — and That Matters
While the market still technically favors sellers, inventory levels are higher than they were a year ago. That means buyers now have:
- More homes to choose from
- Less pressure to waive protections
- More time to evaluate options
This increased selection doesn’t mean homes aren’t selling — they are. It simply means buyers are no longer forced into snap decisions the way they were in 2021–2023.
From a seller’s perspective, pricing and presentation matter more than ever. Homes that are priced correctly and well-prepared continue to move efficiently. Those that miss the mark tend to sit longer.
What This Means for Buyers
If you’re a buyer, today’s market offers a more balanced entry point than we’ve seen in years.
You may benefit from:
- Lower mortgage rates than recent years
- More inventory and choice
- Less extreme competition
That doesn’t mean waiting indefinitely is risk-free. If rates continue to ease and more buyers return, competition could increase again. The key is preparation — understanding your budget, financing options, and timing.
What This Means for Sellers
Sellers still hold an advantage, but expectations must align with today’s conditions.
The strongest sellers right now are those who:
- Price based on current data, not peak headlines
- Prepare homes to show well from day one
- Understand buyer psychology in a more balanced market
Well-positioned homes continue to sell successfully, often with solid terms — just without the frenzy.
A Market Moving Toward Stability
Northeast Indiana’s real estate market isn’t swinging wildly. Instead, it’s settling into something healthier — a market where transactions are driven by real needs rather than urgency alone.
With rates easing, inventory improving, and price growth stabilizing, both buyers and sellers have opportunities — provided they move with clarity and realistic expectations.
If you’re considering a move in 2026, now is a smart time to evaluate your options, understand your position, and create a plan.
If you’d like help interpreting what these trends mean for your specific situation, I’m always happy to talk.
Michael J Archbold
Associate Broker, REALTOR, ePro
RE/MAX Results
8101 Coldwater Rd
Fort Wayne, IN 46825
c. 260-579-1516
e. Mike@MikeArchbold.com
w. www.MikeArchbold.com
Oh, by the way… if you know of someone who would appreciate the level of service I provide, please call me with their name and business number. I’ll be happy to follow up and take great care of them.
Why Does RE/MAX Results Stand Out Among the Competition?
Simply put: Relationships. We pride ourselves not only in our professional service but more importantly in the personal touch we bring to our business. Has an agent/lawyer/contractor/vendor ever treated you like you were just another paycheck? The reason our clients come back time and again and refer all their friends and family to us is because they know we are part of the family.
Genuinely caring about the people we serve enables us to do things other agencies can’t. Rest assured, we will ALWAYS have your best interest at heart and work vigorously to get you the best deal possible on your home or business. The relationships we build with our clients enable us to work 100% by referral.
The reason we are able to give top notch service to our clients is because our clients refer us a constant stream of quality family and friends to assist in their real estate needs. While other agents are out making cold calls and chasing “potential” leads, we are freed up by our referral base to service our clients like no other broker can. We are never too busy for your referrals!
Want to experience the difference for yourself? Call or text me today at 260-579-1516.
“Professional Service with a Personal Touch“
We’re Here To Help
Are you or someone you know considering a home purchase? Don’t hesitate to call or text me, Michael Archbold, at 260-579-1516 and I will connect you with the best mortgage professionals in the business who can get you your score, discuss ways to improve it if necessary, and put you on the path to home ownership. Click here to read more about our Buyer Services. Click here to browse listings NOW! Looking to sell your home? Call today to set up an appointment to begin developing your customized marketing plan. Click here to read more about our Seller Services.
Hoosier Home Listings by RE/MAX Results is a full service real estate Web site serving Northeast Indiana. We assist residential and commercial clients in locating, buying, and selling real property in the State of Indiana including but not limited to the counties of Allen, Huntington, Wells, Adams, Whitley, Wabash, Kosciusko, Noble, Dekalb, Lagrange, Steuben and cities including Fort Wayne, Decatur, Bluffton, Huntington, Warsaw, Columbia City, Butler, and Angola. RE/MAX Results is an Equal Housing Opportunity company.
Hoosier Home Listings – Insider Discussion – Mortgage Rates Fall Below 6%! …
… brought to you by Michael Archbold, Hoosier Home Listings, and RE/MAX Results.
The consummate professional, Michael Archbold (Associate Broker, REALTOR, ePro) brings a diversified background to the world of real estate. Born and raised in Fort Wayne, Mike graduated Wayne High School in 1992. He received bachelors degrees in Accounting in 1997 from Indiana University and Information Technology in 2005 from Indiana Wesleyan University. Mike comes to Re/MAX with more than 20 years of experience in sales and accounting. He began his career in real estate in 2000 as an investor.
