The mortgage market is shifting, and fall 2025 may just be the sweet spot for buyers. In this premiere episode of Mortgage Chit Chat, host John Giordano, CEO of First Heritage Mortgage Services, breaks down the current real estate trends and explains why this fall’s housing market offers unique opportunities for those ready to purchase.

From stable mortgage rates to an increase in housing inventory, John shares 8 key reasons why homebuyers should pay close attention this season. If you’ve been waiting for the right time to step into the home buying process, this conversation will give you clarity and confidence.

• Why fall 2025 could offer the best homebuying conditions in years
• How a 29% increase in housing inventory is shifting the market
• What stable mortgage rates mean for buyer confidence and planning
• Why fewer bidding wars and more concessions give buyers the upper hand

Ready to take the next step toward homeownership?

Visit firstheritage.org to connect with First Heritage Mortgage Services and explore personalized mortgage solutions that fit your goal.

• 00:00 Welcome to Mortgage Chit Chat
• 00:54 Why fall can be a prime season for home buying
• 02:12 Housing inventory up 29% year-over-year
• 03:30 Predictable mortgage rates shaping buyer budgets
• 04:12 National home prices flattening and slight declines ahead
• 05:06 Price cuts, incentives, and concessions from sellers
• 05:54 A shift toward a more balanced housing market
• 06:42 Fewer bidding wars, more negotiation power for buyers
• 07:36 Why fall 2025 is a strong window of opportunity

Key Takeaways

• Inventory Surge – More homes are available now than at any time in the last five years, making it easier to find the right fit.
• Stable Mortgage Rates – Forecasts suggest mortgage rates will hover between 6.3%–6.5%, giving buyers budget predictability.
• Negotiation Leverage – With fewer bidding wars and more price cuts, buyers hold stronger bargaining power.
• Balanced Market – After years of extreme competition, the real estate market is entering a more stable and buyer-friendly phase.

John Giordano has been managing First Heritage Financial Mortgage Services for the last twenty years. First Heritage is a credit union owned company that offers seamless first mortgage solutions for credit unions and financial institutions. Our experienced first mortgage professionals identify exemplary service levels for your members and operate under the credit union philosophy of people helping people. We help all credit unions of every asset level strengthen their member relationships and increase revenue stream to improve their bottom line. John has worked in the mortgage industry for over 40 years. He is sought for his business innovation and non-traditional mortgage banking ideas. He has continuously been included as an advisory board member and speaker for FNMA, Freddie Max, Radian Group, CMGMI, NACUSO and the MBA.

• Learn more: firstheritage.org
• Connect with First Heritage Mortgage Services for customized mortgage solutions

Mortgage Chit Chat Podcast, John Giordano, First Heritage Mortgage Services, fall 2025 housing...