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News for: Housing Market
Showing 49 - 72 of 225 results
Aug 28, 2025 3:24 AM
— Housing Market
Waiting for Mortgage Rates to Fall Before You Buy? Don’t Bother.
Even if mortgage rates dropped to zero, homes would still be unaffordable for median earners in some major metro areas.
Aug 28, 2025 3:24 AM
— Housing Market
Rates or prices? Which need to drop to make buying a house more affordable?
The article discusses the current state of the housing market with a focus on affordability for potential homebuyers. It highlights the impact of mortgage rates and home prices on monthly payments, as well as the predictions for future rate drops. It also touches on factors influencing housing affordability, such as supply and demand, income levels, and budget considerations.
Aug 25, 2025 12:24 PM
— Housing Market
M&A Reducing the Number of Warehouse Clients
The warehouse lending business seems to be holding its own these days thanks to a decent second quarter for originations and lower mortgage...
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Inside Mortgage Finance
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1 week ago
The article discusses the current state of the mortgage market in 2025.
Aug 25, 2025 3:28 AM
— Housing Market
The True Cost of Home Insurance in 2025
The cost of home insurance is rising for many Americans due to extreme weather and increasing rebuilding costs. Factors like credit history, deductible level, and filed claims impact insurance premiums. The average annual cost of home insurance is $2,470, representing 3.18% of median household income. Home insurance costs have increased nationally by 9% since 2023, with the highest increases seen ... more
Aug 23, 2025 3:25 AM
— Housing Market
Fannie Mae cuts outlook for 2025–26 home sales
Fannie Mae's August mortgage origination forecast predicts lower volume in 2025 and 2026 compared to July as rate expectations increase. There are forecasts for more home sales, an increase in new residential construction, and changes to policies by Fannie Mae and Freddie Mac. Americans are more confident in their finances, but expect home prices and mortgage rates to rise. Private mortgage insura... more
Aug 22, 2025 11:24 AM
— Housing Market
Fannie, Freddie IPO awaits Trump's decision on timing
The government is considering a public offering of shares of Fannie Mae and Freddie Mac to potentially value them at $500 billion, involving selling between 5% and 15% of their stock. President Donald Trump has been meeting with bank leaders to discuss this plan, with a focus on maximizing profits for their firms. Despite an improvement in overall delinquency rates, FHA-backed mortgage borrowers a... more
Aug 22, 2025 2:23 AM
— Housing Market
After a few chilly years, the real estate market is looking a little warmer
The housing market is finally showing some improvement as sales of existing homes rose by 2% in July, with a 16% increase in inventory compared to the previous year. Prices in many markets are softening, interest rates are high, and mortgage rates are averaging around 6.6%. A slight decrease in mortgage rates has led to an increase in refinance activity. The Federal Reserve's upcoming vote on inte... more
Aug 21, 2025 7:23 AM
— Housing Market
Existing Home Market Still Crawling Along The Bottom Despite Modest Bounce
Existing-home sales increased by 2.0% in July, reaching a seasonally adjusted annual rate of 4.01 million, which is 0.8% higher than the previous year. Affordability and wage growth are contributing to the uptick in sales, with buyers benefiting from more options in the market. Some regions are even seeing price declines, while overall homeowner equity has increased significantly since mid-2019. D... more
Aug 21, 2025 3:25 AM
— Housing Market
The S&P 500 Is Rising But Most Stocks Are Falling: What’s Going On?
The Nasdaq 100 stock index recently hit an all-time high, but the rally is being driven by a narrow group of stocks, particularly AI companies. This narrow breadth may indicate a flight to quality trade as investors become risk-averse. The heavy reliance on AI stocks in major indexes like the Nasdaq 100 poses a concentration risk for investors, who should stay disciplined, diversified, and conside... more
Aug 21, 2025 3:25 AM
— Housing Market
The 10 most affordable states for retirees in 2025
Bankrate's annual Best and Worst States to Retire Study named New Hampshire as the best state for retirees, but West Virginia was found to be the most affordable state. Affordability is a major concern for retirees due to fixed incomes, with states offering cheaper living costs being more attractive. West Virginia had the lowest cost of living and homeowner's insurance, making it appealing to reti... more
Aug 20, 2025 8:23 AM
— Housing Market
Here's what's keeping home buyers on the sidelines even as mortgage rates hit a 10-month low
Lorene Cowan, 44, who lives in New York City, is having a difficult time buying a home due to soaring home prices. The median listing price for a home in NYC is now over $829,000, making it hard for first-time homebuyers to enter the market. Rising home prices, limited inventory, and higher mortgage rates have caused delays in millennials and Gen Z achieving homeownership. Many prospective buyers ... more
Aug 19, 2025 12:24 PM
— Housing Market
Incentives Rise as Builder Confidence Matches 2022 Low
Builder sentiment remains low with the NAHB/Wells Fargo HMI dipping to 32 in August, marking the 16th consecutive month below 50. High mortgage rates, elevated new-home prices, and affordability issues are major factors. Builders are offering price cuts and sales incentives to attract buyers, especially in high-cost markets like the West.
Aug 19, 2025 3:25 AM
— Housing Market
Fannie, Freddie's stress test losses ease from 2024
Fannie Mae and Freddie Mac are predicted to hold up well in a severe downturn due to expense cuts and revenue gains. Economists predict fewer home sales and less mortgage origination volume in the near future. A potential plan could value the mortgage giants at $500 billion, involving selling 5-15% of their stock. Bill Ackman and President Trump are discussing a public offering for a single mortga... more
Aug 18, 2025 4:23 PM
— Housing Market
Mortgage rates drop to lowest level in nearly a year
Mortgage rates are currently at their lowest level in nearly a year, with the average rate for a 30-year fixed mortgage just above 6.5%. M & M Mortgage in Roseville advises clients to buy now before rates potentially drop further, leading to increased prices and competition for homes. Despite falling interest rates benefiting buyers, home prices nationwide have continued to rise, with the national... more
Aug 12, 2025 7:23 AM
— Housing Market
Trump's tireless self-promotion could raise your mortgage rate
President Donald Trump has a plan to destabilize the housing market by turning mortgage behemoths Fannie Mae and Freddie Mac into publicly traded stocks. This plan involves launching an initial public offering for both entities, which could potentially raise $30 billion. However, the implications of removing the implicit guarantee they provide may lead to higher mortgage rates. Certain individuals... more
Aug 12, 2025 6:25 AM
— Housing Market
The price premium on new-construction homes is dissolving. New home prices dropped in 30% of large U.S. cities last quarter
Home prices have increased by over 50% since the pandemic, with mortgage rates near 7%. New-construction home prices dropped in 30 of the largest U.S. metros last quarter. Builders are offering incentives like mortgage-rate buydowns and design upgrades to make new homes more affordable.
Aug 11, 2025 10:24 AM
— Housing Market
President Trump envisions November launch for mortgage IPO
The oversight agency for government-sponsored enterprises is considering a public offering for some of their shares, which could value the mortgage giants at $500 billion or more. President Trump is meeting with bank leaders, potentially resulting in a big payday for their firms. Economists are divided on the timing of a rate reduction, and sales of previously owned homes in the US fell to a nine-... more
Aug 7, 2025 12:44 PM
— Housing Market
Buyers are gloomy. Here's what they might be missing
Consumer housing confidence improved slightly in July, with Americans feeling more confident about the economy. However, many worry about their ability to buy a house themselves due to potential job loss. The housing market is experiencing a mix of rising home prices and softening sales, indicating a shift that may favor buyers. Sales of new and previously owned homes have seen a decline, suggesti... more
Aug 6, 2025 8:15 AM
— Housing Market
Rate drops offer reprieve for mortgage applications
Mortgage applications rebounded this week due to a drop in mortgage rates, leading to an increase in purchases and refinancing. Americans currently hold a record $34.5T in home equity, resulting in a surge in home equity loans as lenders aim to take advantage of increasing property values.
Aug 5, 2025 1:23 PM
— Housing Market
Here's How Much Mortgage Rates Have to Drop to Make Housing Affordable
Some housing markets, especially in big cities like New York, Los Angeles, and Miami, would still be unaffordable even if mortgage rates plummeted to 0%. On the other hand, areas like Pittsburgh, Birmingham, and Detroit have lower home prices, making housing affordable even if rates climbed significantly above the current average of 6.72%.
Aug 5, 2025 12:23 PM
— Housing Market
Non-QM, Housing Trend, Servicing Tools; Building a Framework; MAA News and MBA Chair Interview
The article discusses various topics related to mortgages such as the aging housing stock in the US, challenges in new home construction, technology for mortgage servicing, upcoming webinars on the mortgage market trends, compliance risks in pre-approval processes, and tips for loan officers to succeed in a competitive market.
Aug 3, 2025 7:24 AM
— Housing Market
Why Mortgage Lenders Are Ignoring Trump’s Rollback on Home Appraisal Reviews
A midsized US mortgage lender found that almost a quarter of customers who dispute property appraisals discover that the value of their home had been miscalculated. President Trump has scrapped guidelines that made it easier for homeowners to challenge appraisals, which historically penalize minority groups. Despite Trump's changes, many lenders, including big names like JPMorgan Chase and Bank of... more
Aug 3, 2025 4:23 AM
— Housing Market
Not even a 0% mortgage rate would make buying a house affordable in these 6 U.S. cities
Housing affordability in the U.S. remains at crisis levels due to high mortgage rates and home prices. Even if rates dropped, high prices, especially in major metro areas, are the core issue. Zillow reported that it would take a significant rate drop to make homes affordable for buyers, but even then, some major metro areas would still be unaffordable due to high prices.
Aug 3, 2025 4:23 AM
— Housing Market
Not even a 0% mortgage rate would make buying a house affordable in these 6 U.S. cities
High mortgage rates, combined with soaring home prices, are making it difficult for new home buyers to enter the market and for current homeowners to sell. The Case-Shiller Home Price Index has jumped over 51% between 2020 and 2025, making affordability a major issue. Lack of lower-priced inventory and tight competition in major metro areas are also contributing to the housing crisis.
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Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@mortgage-rates.ai
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.
The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 400 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.
Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@mortgage-rates.ai
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.