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INDUSTRY NEWS

Updates on NAR Policies and Mortgage Rates

The real estate market in 2025 continues to evolve, driven by key
changes from the National Association of Realtors (NAR) and
fluctuating mortgage rates. These developments are reshaping the
buying and selling process, making it essential to stay informed as
you navigate the market.

NAR Policy Changes and Shared Commissions
In the wake of recent antitrust lawsuits, the National Association of

Realtors (NAR) has implemented several policy changes aimed at
enhancing transparency and consumer choice. One of the most
notable updates is the elimination of mandatory compensation
offers to buyer agents in Multiple Listing Service (MLS) listings.
This change allows for more flexible and negotiable commission
arrangements, empowering buyers and sellers to work with agents
who align with their goals. At S&D Real Estate, we’ve long
embraced a transparent commission model. Our policy of always
sharing commissions ensures fairness and clarity for every
transaction. If we work with another agent, our commission is
capped at 3%, providing additional value to our customers without
sacrificing quality service.

Mortgage Rates and Their Impact on Payments
Navigating the Market
Mortgage rates continue to play a crucial role in shaping the
For buyers, it’s essential to work with a trusted lender to explore
market. While rates have declined slightly from last year’s highs,
rate options, understand terms, and lock in the most favorable deal.
they remain higher than in years past, with current 30-year fixed
For sellers, understanding how mortgage rates influence buyer
rates typically ranging between 6.5% and 7%.
behavior can help you position your home competitively in the
market.
These rates directly affect monthly payments, overall affordability,
and buyers’ purchasing power. Even small changes in rates can At S&D Real Estate, we’re here to guide you through these dynamics
significantly impact the long-term cost of a home loan. Securing with personalized advice and transparent practices. Whether you’re
the best possible rate not only helps manage monthly budgets but buying, selling, or simply exploring your options, we’re committed to
also ensures buyers maximize their investment. making your real estate journey a success.

Let’s navigate the market together and achieve your real estate
For sellers, steady rates support buyer confidence, encouraging
goals in 2025.
consistent interest in properties despite affordability challenges.

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