Wisconsin & Milwaukee Real Estate + Mortgage News You Should Know — Early December 2025
Thinking about buying or refinancing?
👉 Apply online with Adam Zeman at mkemortgage.com
📞 Call/Text: 414-975-2654 | 📧 Email: azeman@uhm.com
What's Happening Now: Market & Mortgage Trends
• National mortgage-rate dip improves affordability
The average 30-year fixed mortgage rate in the U.S. recently dropped to 6.23%, ending a three-week climb. That small shift has renewed buyer and refinance activity nationwide.
➡ Read the full report from AP News
➡ See ABC News' coverage on the rate dip here
• Wisconsin & Milwaukee-area real estate still showing strength
Home prices statewide continue trending upward, with median sale prices near $331,000 and days-on-market stabilizing - signs of a healthier balance between buyers & sellers.
➡ Check my latest Wisconsin Real Estate Market Update
➡ Read the Milwaukee Journal Sentinel story on local price growth
• Longer-term mortgage options back in the news
There's fresh talk about 40- and 50-year mortgages as a way to reduce monthly payments - but they also extend repayment and slow equity growth.
➡ Learn how long-term mortgages could affect borrowers in Fox 11 News' analysis
What This Means for You - Buyer, Seller, or Refi
| Your Situation | Why It Matters Now |
|---|---|
| First-time buyers | Slightly lower rates + steady inventory give you more time to shop and compare. Getting pre-qualified now can help you act quickly if rates change again. |
| Homeowners considering refinancing | If you bought earlier in 2025 at a higher rate or your credit has improved, this could be a chance to lower your payment or access equity. |
| Sellers | Strong prices continue in the Milwaukee metro, but buyers are choosier. Pricing right and presenting well still move homes. |
| Investors | Stabilizing rates and inventory may create buy-and-hold opportunities or refinance plays to improve cash flow. |
My Take - From Your Local Mortgage Expert
The mix of stable Wisconsin pricing + a small rate dip makes this a good moment to evaluate your next move - whether buying, refinancing, or planning ahead.
I'll run the numbers with you, walk through program options, and help you see what makes sense for your budget. No pressure - just straight answers.
📞 Call/Text: 414-975-2654
📧 Email: azeman@uhm.com
🌐 Apply Now: Apply Online with Adam Zeman → mkemortgage.com/apply-online
About Adam Zeman
Adam Zeman - Mortgage Loan Originator (NMLS #870441)
Union Home Mortgage
414-975-2654 | azeman@uhm.com | www.mkemortgage.com
Licensed in Wisconsin - specializing in conventional, FHA, VA, DSCR, construction, and first-time-buyer programs.