LBI Real Estate Mortgage Rates: What Buyers Need to Know in 2025
- Nathan Colmer
- Aug 23
- 2 min read
LBI Real Estate Mortgage Rates
LBI Real Estate Mortgage Rates continue to dominate conversations in the LBI real estate market, as well as other markets around the country. While the Long Beach Island real estate market is not that sensitive to mortgage rates, small changes in LBI real estate mortgage rates can reignite buyer interest and influence market activity. Understanding these trends is a key step to buying or selling in the Long Beach Island real estate market.
By : Nathan Colmer | LBI Real Estate Agent | The Van Dyk Group
Cell: 609-290-4293 | Office: 800-222-0131 | ncolmer@vandykgroup.com
What’s the Outlook for LBI Mortgage Rates?
Most experts forecast that mortgage rates will remain in the mid-to-low 6% range through 2026. That means we’re unlikely to see dramatic drops, but small fluctuations—like the one we just experienced—are still expected. Economic news, policy changes, and inflation data all have the potential to impact rates. The White House has been vocal about its desire to lower rates, and many in the industry believe we could see further declines in the coming months. This narrative changes almost daily, so it is difficult to make predictions about whether rates will be cut and, if so, what the impact will be. The rate that motivates a buyer varies, but many agree that something in the mid-5% to low-6% range would be a game-changer. If rates dip into that territory, expect a surge in buyer activity across Long Beach Island. But here’s the catch: you’re not the only one watching rates. When mortgage rates drop, more buyers jump into the market, which can lead to increased competition in a market with already low inventory and a good chance that prices will rise.
LBI Real Estate Mortgage Rates
It is nearly impossible to time any market, and the LBI real estate market is no exception. Rather than focusing on an interest rate, it is far better to focus on the right kind of house and the best investment. If a home makes sense in the market, a slightly higher interest (which can be refinanced) is a small price to pay compared to overpaying for an inferior asset due to a rate drop. Discipline is key in the LBI real estate market, and focusing on what makes sense and has value is the best way to beat the market.
By : Nathan Colmer | LBI Real Estate Agent | The Van Dyk Group
Cell: 609-290-4293 | Office: 800-222-0131 | ncolmer@vandykgroup.com
