Mortgage Rates Just Dropped Again — Here’s What It Means for You in SWFL
If you’ve been watching the market and waiting for a good moment to make your move, this update is worth your attention.
Mortgage rates dipped once more, with 30-year fixed rates sliding to 6.19%, down from 6.23% just last week. That puts us right near the lowest point of the year.
Meanwhile, 15-year fixed mortgages are averaging 5.44%, offering even more attractive options for buyers looking to build long-term equity faster.
You can read the full report here from Florida Realtors:
👉 https://www.floridarealtors.org/news-media/news-articles/2025/12/mortgage-rates-ease-further?utm_source=chatgpt.com
Why This Matters for Buyers in Lehigh Acres & Fort Myers
A shift like this directly impacts your buying power—especially in a fast-moving Southwest Florida market.
When rates fall:
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Your monthly payment can decrease, even on the same priced home.
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You may qualify for more home or a more desirable location.
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It may create an opportunity to get into the market before competition picks up again.
For my first-time buyers, this type of rate drop can make the difference between “almost ready” and “confident to take the next step.”
A Window of Opportunity for Sellers, Too
Lower rates tend to encourage more buyers to jump back in.
That means:
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More showings
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More serious inquiries
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Potentially stronger offers
In other words, it’s a moment where both buyers and sellers can benefit—something we don’t always see at the same time.
What’s Driving These Changes?
Mortgage rates often follow larger economic indicators, especially the 10-year Treasury yield.
Right now, markets are responding to:
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Easing inflation pressures
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Stabilizing economic forecasts
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Increased buyer demand heading into the new year
All of this contributes to slightly lower borrowing costs—something we welcome here in the real estate world.
So, What Should You Do Next?
Whether you’re ready to buy, thinking of selling, or just planning ahead, this is a great time to get clarity.
As your local Southwest Florida Realtor, I’m here to help you:
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Calculate what this rate drop means for your personal budget
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Explore current inventory that fits your goals
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Discuss whether now is a smart time to refinance or list
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Navigate the market with confidence and strategy
Every situation is different, and your goals always come first.
Final Thoughts
These latest numbers—6.19% for 30-year and 5.44% for 15-year loans—are a refreshing shift and a sign that the market is continuing to open up.
If you'd like to see what your buying power looks like today or want a market update specific to your neighborhood, I’m only a message away.
Jessica “Jessy” Gonzalez, Realtor®
Serving Lehigh Acres • Fort Myers • Cape Coral
Rent 1 Sale 1 Realty
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