"Budgeting has only one rule: Do not go over budget.” - Leslie Tayne

Hey Everyone,

Welcome to this week’s edition of The Ridgeline Rundown!

Spring is here, and the housing market is heating up! 🔥🏡
This week, we’re diving into “4 Things To Expect from the Spring Housing Market”—and trust me, you’ll want to be in the know. From fresh opportunities for buyers to key strategies for sellers, I’m breaking it all down so you can make confident moves in today’s market.

🔥 Local Spotlight: Integrity Environmental Testing
Led by Frank Rudy, this team brings over a decade of trusted service to Colorado. Whether it's mold, asbestos, or air quality—Integrity delivers honest, independent testing with no pressure and no scare tactics. Just clear answers you can rely on.ion—Angela and her team are your go-to for personalized, transformational results.

As always, I’ve got your back when it comes to real estate. If you’re thinking about buying, selling, or just have questions, let’s connect. The right game plan = winning in this market. Let’s make it happen!

Mortgage Minute

Mortgage rates typically update once daily, even though they’re based on constantly changing bond markets. When bond movement is significant, lenders may adjust rates more than once in a day. Earlier in the week, some lenders raised rates in the afternoon, while others waited until the following morning. Those who moved earlier are now offering slightly better rates, but overall, rates have edged a bit higher. We’re also seeing modest mid-day improvements as bond markets shift in a more favorable direction. Still, top-tier 30-year fixed rates remain steady, hovering around 6.75% in a calm, narrow range.

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The Insider’s Guide to Real Estate | Tips

4 Things To Expect from the Spring Housing Market

Spring is in full swing, and the housing market is picking up along with it. And if you’ve been wondering whether now is the right time to buy or sell, here’s the inside scoop on why this spring may be a great time to make your move.

1. There Are More Homes for Sale

After a long stretch of tight inventory, the number of homes for sale is finally improving. According to recent national data from Realtor.com, active listings are up 27.5% compared to this time last year.

Look at the graph below and follow the green line for 2025. You can see, even though inventory levels still haven’t returned to pre-pandemic norms (shown in gray), that number is higher than it has been going into the spring market over the past few years (see graph below):

Buyers: This means you have more choices, and you can be more selective.

Sellers: With more homes available than in recent years, you’re more likely to find what you’re looking for when you move. And knowing that inventory is still below more normal levels means there will be demand for your home when you sell it, too.

2. Home Price Growth Is Moderating

As inventory grows, the pace of home price growth is slowing down – and that will continue into the spring market. This is because prices are driven by supply and demand. When there are more homes for sale, buyers have more options, so there’s less competition for each house. Rising supply and less buyer competition causes price growth to slow, but it should still remain positive in most markets. As Freddie Mac says:

And while prices aren’t dropping at the national level, every market is different. Some areas are seeing stronger price growth, while others are cooling off or even seeing some price declines.

Buyers: The slower pace of growth means prices aren’t rising as quickly as before – and that’s a relief. Any home you buy now is likely to appreciate in value over time, helping you build equity.

Sellers: While prices are still rising, you might need to adjust your expectations. Overpricing your house in a more balanced market could mean it takes longer to sell. Pricing your house competitively is going to be key to attracting offers.

3. Mortgage Rates Are Stabilizing

One of the biggest hurdles for buyers over the past couple of years has been high, volatile mortgage rates. But there’s some good news – overall, they’ve stabilized in recent weeks – and have even declined a bit since the beginning of this year. And while that decrease hasn’t been a big drop, stabilizing mortgage rates has helped make buying a home a bit more predictable. According to Selma Hepp, Chief Economist at CoreLogic:

Sellers: Slightly lower rates that are starting to stabilize are encouraging more buyers to move forward with their plans. That’s good for demand when you’re planning to sell your house.

4. More Buyers Are Returning

With more inventory, slowing price growth, and stabilizing mortgage rates, buyers are gaining confidence and coming back into the market. Demand is picking up, and data from the Mortgage Bankers Association (MBA) shows an increase in mortgage applications compared to the start of the year (see graph below):

Buyers: Acting sooner rather than later could be a smart move before your competition heats up even more.

Sellers: This is great news for you – more buyers mean a better chance of selling your house quickly.

Bottom Line

Do you have questions about what the spring market means for you? Let’s connect and talk about how to craft your plan this season.

With more homes for sale, slowing price growth, and stabilizing mortgage rates, how will this impact your decision to buy or sell this spring?

The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

Featured Business: Local Spotlight!

Colorado Springs Social Scene

Military News and Updates

Merged Colorado Springs-based nonprofit celebrates 5 years of serving military community

In 2023, the West Nile virus hospitalized scores of Coloradans, and at least 50 people died of the mosquito-borne illness statewide, according to data from UCHealth.

Mike, an Army veteran living in Colorado Springs, was nearly among the fallen that year. He contracted West Nile from a mosquito bite, and the illness resulted in encephalitis, a potentially deadly swelling of the brain.

“They thought they were gonna lose me,” said Mike, who requested to have his last name withheld.

Feel free to reach out with any real estate questions—I’m here to help, no matter the state!

Referrals are the biggest compliment, so send anyone my way. Until next time!