Real Estate & Mortgage Market Update – June 2025 Why Now Is a Smart Time to Buy in Massachusetts and Florida
If you’ve been waiting for the “right time” to make your move in real estate, this might just be your moment. Whether you're looking for your forever home in Massachusetts or a seasonal retreat on Florida's Treasure Coast, current trends point to opportunity.
Massachusetts Market Highlights
Massachusetts buyers are gaining more ground as inventory levels have improved across several key counties, including Barnstable, Plymouth, and Norfolk. While home prices have stabilized, they're still increasing at a healthy, moderate pace — a sign of a strong and sustainable market.
Mortgage tip:
Recent reports from Boston Agent Magazine note that Massachusetts sellers are more negotiable now than they were in 2022 and 2023, giving buyers the upper hand in many deals. And with interest rates showing signs of softening, locking in a mortgage today can save you thousands over the long term.
“Buyers are more confident now, with more homes to choose from and improved loan options,” says Shawn Hendricks Sr., Broker / Owner at People’s Choice Mortgage. “It's not about waiting for the perfect rate, it's about finding the right home and securing smart financing.”
Florida Treasure Coast Highlights
From St. Lucie to Martin County, Florida’s Treasure Coast continues to attract Northeasterners, retirees, and investors. This region combines sunshine, lifestyle, and value — with many homes still priced well below national coastal averages.
Inventory is up: More homes on the market mean more options and better negotiation power.
New construction is booming in Port St. Lucie and Jensen Beach.
Rental demand remains strong, making it a great opportunity for those buying investment properties or snowbird homes.
“Our clients from Massachusetts are realizing they can buy a second home in Florida for less than their current mortgage,” says Hendricks. “It’s a lifestyle upgrade and a smart long-term investment.”
Mortgage Market Outlook
The Fed’s cautious tone has encouraged some mortgage rate relief, and while rates are not at 2021 lows, they’re showing signs of dipping slightly as inflation levels off. According to Mortgage News Daily, fixed rates are trending downward, giving pre-approved buyers a valuable edge.
People’s Choice Mortgage offers:
100% Financing with Down Payment Assistance
Bank Statement Loans for Self-Employed Borrowers
Investment Property Loans with DSCR Programs
Second Home Financing – Florida and Cape Cod Markets
Why Act Now?
Inventory is strong — no bidding wars necessary.
Rate pressure is easing.
Sellers are motivated.
You have more loan options than ever before.