HousingWire Daily The positive economic stories of 2025
Nov 24, 2025
Logan Mohtashami, Lead Housing Analyst known for his data-driven insights on the housing market, joins to share optimism for 2025. He discusses how improved mortgage spreads contributed to lower rates and increased demand, contrasting 2025's stability with 2023's turmoil. Logan highlights a return to a balanced housing inventory and the importance of strong household finances. He also critiques the idea of 50-year mortgages, emphasizing the value of sound economic policies. This discussion reveals a promising outlook for the housing market ahead.
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Episode notes
Thanksgiving Frame For Housing Positives
- Logan and Sarah frame the episode as Thanksgiving reflections on positives in housing for 2025.
- The conversation sets a thankful tone and highlights structural themes like higher-rate effects.
Spreads Lowered Effective Mortgage Rates
- Mortgage spreads were the biggest positive for 2025 and materially lowered effective mortgage rates.
- Improved spreads kept rates well below what they would have been with 2023-level dislocations.
Use Spreads With The 10-Year To Forecast Rates
- Watch spreads and the 10-year yield together to estimate realistic mortgage-rate paths.
- Don't assume mortgage rates need a huge 10-year drop to fall below 6%; spreads matter too.