Mortgage Industry RoundUp
Edition | September 9, 2025
Welcome to the Texas Edition
Hey there! Thanks for dropping by to check out the latest in mortgage and real estate news from around Texas. I’m excited to share this week’s research with you, and I hope you find it both useful and easy to navigate:
Top 6 Summary:
Top 6 Articles:
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Charts & Graphs:
A quick, digestible recap of the very best insights pulled from the week’s top 6 articles.
Dive deeper into the most interesting and diverse stories making headlines. Click any article title to read the full piece, and check out the three key takeaways highlighted.
For the “see it” folks, I’ve included data and trends visually to help make sense of what’s happening in the market.

I really appreciate you taking the time to explore this resource. If you have any feedback on the presentation or ideas for what you’d like to see in future editions, don’t hesitate to call or email me. My goal is to make this RoundUp as valuable and relevant to you as possible.
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And a friendly reminder—if you need a mobile notary this week, hit “Book Online” to check my availability. I’m always here to help.​
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All the best — Eric “Big E” Mehl
September 9th Texas RoundUp
Texas Market Shifts: Rising Inventory Redefines Value
Top 6 Summary
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Texas home prices are holding steady week-over-week, signaling broader stabilization after years of volatility.
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Inventory is rapidly increasing, giving buyers more options and negotiating power as median days on market lengthen.
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Policy changes, including major zoning reform, are poised to accelerate multifamily housing development, boosting long-term supply.
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Mortgage rates remain elevated yet stable, keeping affordability and buyer caution in sharp focus for lenders and agents statewide.
Top 6 Articles
Texas SB 140: What Agents Need to Know Before September 1, 2025
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A new law taking effect September 1, 2025, significantly changes how Texas real estate agents can lawfully communicate with clients using phone, text, and media messages.
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The bill, SB 140, sets specific boundaries to combat unsolicited communications and protect consumer privacy.
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Agents need to adjust outreach strategies immediately, as violations can lead to severe penalties.
Texas Housing Market To Change in September: What To Know
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Sweeping new legislation will enable rapid conversion of commercial properties for residential use in major Texas metros.
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SB 840 eliminates lengthy zoning amendments, setting new rules for density, parking, and height in multifamily projects, aiming to alleviate the state's housing shortage.
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Experts say these changes could be a "game-changer" in increasing affordable housing, with impacts expected to accelerate this year.
Texas Housing Market: House Prices & Trends | Redfin
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As of July 2025, Texas median home prices dipped 0.48% year-over-year, settling at $351,700.
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Total homes for sale rose nearly 19% from last year, while monthly home sales volume is marginally up, signaling a cooling but active marketplace.
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The average home sits longer on the market, especially those not priced competitively, making professional pricing strategy vital.
Texas Housing Market: 2025 Home Prices & Trends - Zillow
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Zillow reports that the average Texas home value stands at $304,005, down 2.4% from a year ago.
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Analysts expect prices to find a bottom soon, with some further decline likely before stabilizing.
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The trend reflects a broader return to normalization after pandemic-era spikes in home values.
Texas Housing Market 2025: Key Trends, Predictions & Insights
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Texas market forecasters project home price growth will be modest in 2025, staying within 95–98% of list value in most metros.
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Mortgage rates, currently between 6.5–7.5%, are expected to remain stable with minor fluctuations ahead.
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Strategic pricing and adapting to the stable environment are key for agents navigating the post-pandemic market.
Texas Housing Market: Trends and Forecast 2025-2026
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A significant rise in housing inventory—up nearly 30% year-over-year—is pushing Texas further toward a buyer's market.
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More sellers are cutting prices, and buyers are regaining leverage after years of intense competition, with minimal annual change in home sales signaling a market shift.
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Builders have also slowed new construction by about 8%, responding to stabilized demand and greater resale inventory.
Charts & Graphs
Texas Median Home Price Trends
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Median home prices in Texas have plateaued in 2025 after a multiyear rise, reflecting a return to stable market conditions.
Texas Monthly Home Sales Volume
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Monthly sales volume has remained steady but below peak pandemic levels, indicating buyer activity is resilient but measured.
Texas Housing Inventory (Active Listings)
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Inventory has steadily increased statewide in the past year, expanding options for buyers and signaling a less competitive market.
Texas Mortgage Delinquency Rate
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The mortgage delinquency rate in Texas ticked upward throughout 2024 and into 2025, largely due to rising property taxes and insurance costs, but remains below long-term averages.
Texas Average 30-Year Fixed Mortgage Rate
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Average 30-year fixed mortgage rates in Texas have climbed above 7% as of August 2025, maintaining affordability challenges for
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