30 Year Fixed Rate Mortgage Hits 6.06%. Lowest Rate of 2025

[Rob Bergeron]

Thanksgiving week is usually quiet.
People travel, listings pause, inboxes slow down.

But not this year. I’ve had more meetings, more investor strategy sessions, and more “what should I do right now?” conversations than I normally see in late November. When the world slows down, the people who pay attention start lining up their next move.

And right now, there’s something worth paying attention to:

Mortgage rates just hit 6.06% — the lowest levels of 2025.
If you’ve been waiting for a window to refinance or restructure anything in your portfolio, this is the cleanest shot you’ve had all year. If you want to run numbers, I’m happy to help.

The national picture is shifting too. For the first time ever, new-construction prices have fallen below existing homes. When a historic premium disappears, it’s rarely just about money—it’s about confidence. Buyers are reassessing quality, materials, and long-term durability. That kind of shift always creates leverage for people who understand timing.

NAR's latest Confidence Index reinforces that the market is active beneath the surface:
• 2.1 offers per listing
• 19% selling over list
• 29% cash
• First-time buyers at 32%
• Typical contract: 30 days

And Louisville’s numbers are telling a story of their own.

Louisville Market (Today)
Active listings: 3,498
Inventory is tightening.

Listings sitting 60+ days: 1,448
That’s 41.3% of our entire market aging out.

Multifamily inventory: 101
Sitting 60+ days: 59
That’s 58.4% of multifamily stuck in place.

When this many properties cross the 60-day line, it doesn’t mean the market is weak. It means sellers aren’t adjusting—and smart buyers and owners have room to maneuver.

And there’s a bigger layer beneath all this.

With AI projected to disrupt employment over the next 1–5 years—with some forecasting 10–20% unemployment—this is the moment to get intentional. Build skills. Acquire assets. Strengthen your earning power. Position yourself for where the world is going, not where it’s been.

Real estate is one path.
But not the only one.


And here’s the truth that keeps coming up:

Comfort is the enemy of learning. If an opportunity feels like a stretch, it’s probably the right one.

So if your world is a little slower this week, lean into it.
Study.
Learn.
Re-evaluate your portfolio.
Create new solutions for sellers.
Use the quiet to build momentum.