If the mortgage industry had a mantra at the start of last year, it was something like: Just survive to get to 2025. With high rates keeping volume low, everyone was cinching their belts and feeling the pain but yet, hope remained, fueled by predictions of pending interest rate cuts that would bring welcome relief to all.

But now here’s 2025, and it’s clear that mortgage rates aren’t falling the way we’d hoped, and the market is going to take more time than we thought to find its new normal. But while this fact might be daunting, I encourage my colleagues details ⇒

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