Why Waiting for Lower Mortgage Rates in 2025 Could Cost You More Today


As the financial landscape continues to evolve, many homeowners are faced with the challenge of managing their debt while waiting for favorable mortgage rates. Jason Ruedy, President and CEO of The Home Loan Arranger, offers valuable insights into why waiting for lower rates in 2025 might not be the best strategy and how acting now could save you thousands.

Understanding the Current Market

The mortgage industry is heavily influenced by various economic factors and Federal Reserve policies. Currently, the Federal Reserve has opted to keep interest rates higher, which has led to increased mortgage rates. Homeowners are naturally inclined to wait for these rates to drop before making significant financial moves. However, Ruedy, with over 30 years of industry experience, suggests a different approach.

The Reality of Higher Mortgage Rates

While the hope for lower rates in the future is understandable, it’s crucial to consider the broader financial picture. Higher rates mean higher monthly payments for new mortgages or refinances. Yet, for those with substantial debt, consolidating now, despite the higher rates, could provide immediate financial relief.

The Case for Debt Consolidation Now

Consolidating debt through refinancing can offer homeowners a way to manage their monthly expenses more efficiently. By combining multiple debts into a single mortgage payment, homeowners can reduce their overall interest rates and monthly payments. This strategy can free up cash flow and make it easier to manage household budgets.

Potential Savings

Ruedy emphasizes that homeowners who consolidate now could save significant amounts—potentially 1, 2, or even 3 thousand dollars per month. These savings can be redirected towards other financial goals or used to build a safety net for future uncertainties.

Looking Ahead to 2025

Ruedy predicts that mortgage rates will decrease in 2025. Homeowners who consolidate their debt now can take advantage of these lower rates when they arrive. By refinancing again in 2025, they can reduce their monthly payments even further, leveraging the best of both current and future financial conditions.


Jason Ruedy’s prediction of lower mortgage rates in 2025 is valuable insight for homeowners. However, his advice to consider a cash-out refinance now emphasizes the importance of immediate action to achieve financial stability and savings. By consolidating your debt today, you can take control of your finances, reduce your monthly payments, and position yourself for future opportunities. Don’t wait for an uncertain future; take proactive steps now to secure a smarter, wealthier tomorrow.

For more personalized advice and to explore your refinancing options, contact The Home Loan Arranger and speak with Jason Ruedy. Visit The Home Loan Arranger’s website or call their office directly at +1 303-862-4742.