The Economy Is Moving Fast — Here’s What It Means for Borrowers
Economic headlines are moving faster than ever, and if you’re considering buying a home or refinancing, the timing couldn’t be more critical.
Mortgage rates have held steady, but tariffs, labor shortages, and shifting market expectations are reshaping the financial landscape.
As a borrower, the question isn’t just “Can I get a good rate?” — it’s “Can I find the right lender who understands this new market?”
At Mbanc, we specialize in helping borrowers who don’t fit the traditional mold — self-employed professionals, investors, and high earners with complex financials — find flexible, competitive mortgage solutions even in uncertain times.
- New U.S. Tariffs Could Push Housing Costs Up
MarketWatch reports that new U.S. tariffs on furniture, cabinetry, and lumber have taken effect, with rates set to climb again in early 2026:
- 25% tariffs on imported furniture and cabinets
- 10% tariffs on lumber
- Higher rates coming in January 2026
This means increased costs for building, renovating, and furnishing homes — key considerations for new buyers and real estate investors.
Even if interest rates stabilize, overall homeownership costs may rise in the coming months.
That’s where Mbanc’s flexibility matters: our non-QM and asset-based loan programs allow qualified borrowers to close quickly and confidently, before material and construction costs increase further.
- The IMF Warns: The U.S. Economy Is Still Vulnerable
According to the International Monetary Fund (IMF), the U.S. economy remains vulnerable to tariff shocks and labor shortages tied to stricter immigration policies.
These pressures could:
- Slow housing construction and limit supply
- Increase wage inflation and input costs
- Keep long-term borrowing rates from falling as quickly as expected
While traditional lenders may tighten approval standards in response, Mbanc continues to serve creditworthy borrowers who may not qualify under conventional underwriting.
If you’re self-employed, a business owner, or earning through alternative income streams, Mbanc’s non-QM mortgage products can help you move forward even when others say no.
- Wall Street Is Soaring — But Economists Say Don’t Panic
Despite global headwinds, stock markets have surged throughout 2025. Economists note this isn’t a speculative bubble but rather a reflection of profitability in tech and financial resilience in the broader system.
The takeaway for borrowers: while markets fluctuate, the financial foundation remains strong.
Mortgage rates aren’t likely to collapse overnight, but they’re also unlikely to spike dramatically unless inflation reignites.
That’s an opportunity — and Mbanc can help you act on it with fast approvals, alternative documentation options, and competitive terms designed for borrowers who need agility in a volatile market.
- Gas Prices Are Falling — A Hidden Win for Homeowners
Yahoo Finance reports that gas prices have fallen to their lowest levels since January, driven by a drop in crude oil below $60 per barrel.
Lower gas prices ease inflationary pressure, providing relief to both consumers and policymakers. For homebuyers, this could mean:
- A temporary cooling of inflation
- A potential window for lower interest rates
- More room in monthly budgets for housing payments
If the Federal Reserve moves toward a rate cut cycle, borrowers who act now could position themselves ahead of the curve — securing favorable terms before the next inflationary upswing.
- Mortgage Rates Are Holding Steady — For Now
Even amid the ongoing federal government shutdown, HousingWire notes that the 30-year fixed mortgage rate remains steady around 6.38%.
While that stability offers short-term predictability, the longer the political uncertainty continues, the greater the risk of rate volatility.
The message is clear: if you’re thinking about refinancing or purchasing, waiting for “perfect timing” could cost you more later.
Mbanc’s team can guide you through market shifts and customize a lending strategy that aligns with your goals — even if your financial profile doesn’t fit the traditional box.
Final Take: A Window of Opportunity for Smart Borrowers
Between steady mortgage rates, easing fuel prices, and strong consumer demand, October 2025 may offer a rare opportunity for qualified borrowers.
Here’s how to think strategically:
| Borrower Type | Best Move Right Now |
| First-time buyers | Get pre-approved with Mbanc before tariffs push up home prices |
| Refinancers | Watch for rate cuts — Mbanc can help you refi fast once they arrive |
| Self-employed / investors | Use Mbanc’s non-QM programs to qualify without traditional income docs |
| Renovators | Lock in financing before the next wave of material price hikes in 2026 |
In a market shaped by uncertainty, speed, flexibility, and experience make all the difference.
At Mbanc, we combine deep market insight with non-QM expertise to help you move forward — not wait on the sidelines.
Key Takeaway
Tariffs may raise costs and the economy may shift, but borrowers who act strategically — and partner with a lender that understands the full picture — can still win.
Mbanc’s non-QM mortgage solutions are designed for this exact moment: when the traditional path narrows, and flexibility becomes your competitive advantage.
Sources:
https://www.housingwire.com/articles/mortgage-rates-steady-shutdown/