🎄 December 2025 Mortgage Update: Rates Are Falling — Is Now the Right Time to Act?
As we wrap up the year and head into the holiday season, many are turning their attention to time with family, rest, and reflection. But for those thinking about buying a home or refinancing, December 2025 is bringing a surprise gift— and it’s one worth paying attention to.
After nearly two years of higher rates, mortgage interest rates are finally beginning to drop. And for homebuyers in Greenville, Travelers Rest, and the surrounding Upstate South Carolina region, this shift could mean major opportunity.
📉 Interest Rates Are Dropping: What It Means for You
Over the last few weeks, we’ve seen consistent signs that inflation is cooling, and the mortgage market is responding. Rates are down nearly a full percentage point compared to this time last year, opening the door for:
✅ Lower monthly payments for new homebuyers
✅ Better refinance opportunities for current homeowners
✅ More confidence in locking in before the market shifts again
As a mortgage broker serving Greenville and Travelers Rest, I have access to multiple lenders and can help you lock in competitive rates before year-end, giving you a strong financial start to 2026.
🧠 What to Consider Before the Year End
Even if you’re not quite ready to buy or refinance this month, December is a strategic time to prepare. Here are a few smart end-of-year moves to consider:
1. Get Pre-Approved Before 2026
Start the year ahead of the curve. Pre-approvals are valid for 60–90 days and help you shop with confidence in early 2026.
2. Use Holiday Bonuses Wisely
End-of-year bonuses and tax planning can go toward down payments, closing costs, or paying down debt to improve your credit.
3. Review Your Credit Report
Now is a great time to review your credit and address any errors or outdated information that could affect your mortgage approval next year.
🤝 Local Expertise You Can Trust
I’m not just a mortgage broker—I’m your local partner, right here in Travelers Rest, serving families across Greenville County and the Upstate. Whether you’re buying your first home, refinancing your current one, or just need honest advice, I’ll walk with you every step of the way.
Let’s finish 2025 strong—and start 2026 with a plan.
🎁 Wishing You a Joyful and Peaceful Christmas Season
From my family to yours, I want to wish you a Merry Christmas and a Happy New Year. I’m grateful for the many families I’ve had the privilege of working with this year—and I look forward to helping even more people call the Upstate home in 2026.
Craig Williams
Mortgage Broker | Pathway Mortgage
Serving Greenville, Travelers Rest, and all of Upstate South Carolina
🎄 Honest Advice | Competitive Rates | Local Service
