We made it through the quiet storm of a slow real estate market in 2024, but are there more rough seas ahead in 2025? Or will we have smoother sailing with lower mortgage rates and increased housing inventory?
Luckily, we have Diane Tomb (CEO of ALTA) and Ted Rogers (President of Security Title) to help set the ship straight before we shove off for 2025.
We’re going to cover:
1. Mortgage Rates: Which way will they trend in 2025?
Mortgage rates have fluctuated since September’s initial drop, but will inflation go the wrong way in 2025 and cause rates to spike?
2. Federal Reserve Rate Cuts: How many more can we expect in 2025?
The Federal Reserve cut the Federal Funds Rate twice and gave us some optimism that mortgage rates might finally be dropping to a point where rate-locked homeowners would consider moving.
3. FinCen Reporting Rule: Is your operation preparing for the new reporting requirements?
FinCen announced a major change to their reporting requirements that comes into effect on December 1, 2025. Are you preparing now to be ready?
4. The Title Waiver Program: Biden is transitioning out of office—where does that leave the Title Waiver Program?
There was a recent bi-partisan call for a pause of the Title Waiver Program. This is a step in the right direction, but the title industry continues to fight against those who are trying to undermine the curative work we do by adding unnecessary risk to the housing market.
5. ALTA’s 2025 Priorities: How can the title industry stay ahead of the curve?