Flexible Financing for Buyers in Higher-Priced Markets
Helping clients buy in higher-priced markets often means navigating tradeoffs between loan limits, monthly payments, and long-term costs. A 20-year high-balance mortgage offers added flexibility for buyers who want to balance long-term savings with manageable monthly payments.
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More buying power without moving into jumbo-loan requirements
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Lower overall interest costs than a 30-year mortgage
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Faster payoff compared to a 30-year term
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Lower monthly payment than a 15-year mortgage
Curious whether this option could support your clients’ goals? Let’s talk through the numbers and see how it might work.
Mortgage rates stayed relatively flat this week as markets reacted to a mix of easing inflation signals and steady economic data. While there was movement beneath the surface in financial markets, the overall environment for borrowers felt more stable than volatile, which is notable after the ups and downs seen earlier this year.
One of the biggest drivers this week was new inflation data that suggested price pressures continue to cool. Markets responded positively, viewing the report as further evidence that inflation is moving closer to levels the Federal Reserve is comfortable with. That said, economists remain cautious, noting that progress on inflation is rarely a straight line and future reports will matter just as much.
At the same time, the labor market showed signs of balance rather than stress. Layoffs have not meaningfully accelerated, but hiring has slowed enough to keep policymakers attentive. This combination of moderating inflation and a labor market that is cooling without breaking continues to shape expectations for what comes next in the economy as we head toward the new year.
As we move closer to year-end, markets appear to be settling into a watch-and-wait mode. For homebuyers and homeowners alike, that steadier tone can be helpful, creating space to focus on personal timing and goals rather than reacting to daily headlines.
Rate info as of 12/19/2025, subject to change. Not financial/investment advice, consult a financial advisor for your specific situation.
