Why Rate Windows Keep Closing Faster Than Ever

Last week was a perfect example of today’s mortgage market: rates dipped briefly, and then — just as quickly — they jumped back up.

We locked loans during that short window, but for many buyers and homeowners, it came and went before they could act.

The pattern we’re seeing in 2025 is simple:

• Dips are smaller

• Windows are shorter

• The market reacts faster to any shift in inflation, jobs, or geopolitical headlines

That’s why “wait and see” rarely works anymore. By the time you see it, it’s gone.

The right approach?

Have your loan file ready, your strike rate set, and your plan in place.

Then, when the market gives you an opening, you can lock immediately.

Preparation beats prediction — every time.