Wondering when will mortgage rates go down in 2025? Chad Hawker, #1 internationally ranked lender with Synergy One Lending, breaks down everything luxury home buyers need to know about current mortgage rates and future predictions. In this comprehensive interview, William Smith from Carmel Luxury Group discusses the most pressing mortgage questions affecting Carmel Valley and Monterey Peninsula luxury buyers: What You'll Learn: Current mortgage rates (high 6s to low 7s for 30-year fixed) When mortgage rates will realistically decrease The 2-1 Buydown strategy that saves $1,000+ monthly Bridge loan solutions for buy-then-sell scenarios Down payment options (as low as 3% for $1M+ properties) Luxury financing strategies for high-net-worth buyers Chad explains how economic factors like inflation, employment data, and Fed policy directly impact when mortgage rates go down, plus reveals why the second half of 2025 could bring significant opportunities for refinancing. Featured Loan Programs: 2-1 Buydown (seller-assisted rate reduction) Bridge Flow loans (no income documentation required) VA loans (100% financing, no limits) Luxury jumbo loans up to $5M+ Whether you're buying your first luxury home in Carmel Valley or transitioning between properties, this expert insight will help you navigate today's mortgage landscape strategically. Connect with Our Expert Team: Chad Hawker - Synergy One Lending: NMLS: 281011 Phone: (831) 521-9378 Email: [email protected] Dolores Street 2 SW 7th, Unit D Carmel, California 93921 Contact Carmel Luxury Group: William Smith Broker :: Team Leader The Carmel Luxury Group831-626-2400 [email protected] Website: carmelluxurygroup.com CA DRE #01064866 Coldwell Banker Realty, Carmel, California
