Raleigh Mortgage Rate Update: What the Headlines Get Wrong This Week

Raleigh Mortgage Rate Update for November 14, 2025, by Martini Mortgage Group.

This week, the return of delayed economic data and a splashy foreclosure headline stirred up plenty of noise — but the underlying story is far calmer.

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Federal Reserve & Inflation Watch

The recent government shutdown paused key releases — inflation, jobs, retail sales, GDP — and now those agencies are scrambling to reset their calendars. This matters because the Federal Reserve enters its final meeting of the year on December 9–10, and they’re doing it in the dark.

Chair Jerome Powell summed it up well: there’s “no risk-free path.”
Translation: the committee is divided, and a December rate cut is not guaranteed.

You might be wondering why this uncertainty matters.

Here’s why: mortgage rates move on expectations. When the Fed hesitates, the market hesitates. When the market hesitates, mortgage rates wobble.

And right now? We’re in wobble mode.

Mortgage Rates & Market Movement

While the Fed debates its next move, new labor data is giving mixed signals.

• ADP’s monthly report: +42,000 private payrolls in October → steady, modest job growth.
• ADP’s new weekly report: companies cut about 11,250 jobs per week in late October → a sign the labor market may be cooling faster than expected.

Cooling labor + delayed economic releases = a bond market searching for direction.

And whenever the bond market searches for direction, Raleigh mortgage rates often drift sideways until clarity arrives.

Housing Trends & Price Outlook

If you felt a shift in the real estate breeze this month, you’re right.

ICE’s newest Mortgage Monitor shows:

• Home prices rose 0.15% in October → the strongest monthly gain since March.
• Annual appreciation ticked up 0.9% → ending a nine-month slowdown.

That’s not a market cracking.
That’s a market settling into a healthier rhythm.

To put it in human terms: A $500,000 home appreciating at 4% annually gains $20,000 in one year. That’s the quiet power of ownership — even when headlines try to say otherwise.

Raleigh / Wake County Snapshot

Locally, Raleigh continues to show the same resiliency that’s defined the Triangle for a decade:

• Strong job base
• High incoming migration
• Tight but steady inventory
• Prices holding, not sliding

Buyers waiting for a crash aren’t seeing one.

Sellers waiting for 2021 aren’t seeing that either.

But strategic buyers? They’re finding opportunities in the in-between.

Let’s Clear Up the Foreclosure Headlines

This week, CNBC ran a dramatic headline:
“New foreclosures jump 20% in October, a sign of more distress in the housing market.”

But the article buried the real truth:

• Foreclosures are rising from extremely low levels
• Activity remains well below historic averages
• The piece literally says: “no foreclosure tsunami to worry about.”

In a market with near-record low delinquencies and record homeowner equity, this is not distress.
It’s normalization.

The headline sells fear.
The data sells calm.

And in a world full of noise, calm is your competitive advantage.

Buyer & Homeowner Perspective

So what does all this mean for you?

• If you’re buying: this is a moment where clarity beats timing. Prices are stable, and opportunities exist for buyers with a plan.
• If you’re refinancing: rate dips may appear suddenly as the Fed regains its footing — preparation is your edge.
• If you’re a homeowner: the long-term math still leans heavily in your favor.

And if you’re unsure what your next move should be? That’s exactly what Certified Mortgage Advisor Kevin Martini and Raleigh Mortgage Broker Logan Martini Mortgage Group are here for.

TL;DR (Raleigh Mortgage Rate Update for November 14, 2025, by Martini Mortgage Group)

• Government shutdown delays are creating short-term uncertainty ahead of the Fed’s December meeting.
• The Fed is divided — and a December rate cut is not a sure thing.
• ADP data shows mixed job trends, hinting the labor market may be cooling.
• ICE reports stronger home-price growth: +0.15% in October and rising annual appreciation.
• Raleigh and Wake County remain steady with no signs of distress.
• Despite a dramatic headline, foreclosure levels remain far below historic norms.

THE MARTINI MORTGAGE GROUP TAKEAWAY

The data is returning. The Fed is weighing its next move. And Raleigh’s housing landscape continues to show strength beneath the noise. When headlines lean dramatic, smart buyers lean strategic — because opportunity rarely announces itself. It shows up quietly, in moments just like this.
If clarity creates certainty — and certainty creates power — let’s get you both.

📞 Call the Martini Mortgage Group at (919) 238-4934 and let’s build your personalized plan with calm, context, and confidence.