As the housing affordability crisis deepens, a once-unthinkable idea has entered the mainstream conversation: the 50-year mortgage. With home prices at record highs and mortgage rates still well above their 2020–2021 lows, some policymakers are searching for creative ways to […]
Is a 50-Year Mortgage the Answer to Today’s Affordability Crisis? Read More »
The Federal Reserve lowered its benchmark interest rate to its lowest level in three years in an effort to support a cooling labor market. While inflation remains contained, policymakers are divided on whether another rate cut in December is warranted. Mortgage rates have already fallen to a one-year low, but further declines will depend on upcoming economic data and inflation trends.
Fed Cuts Rate But Signals No Guarantee of More Easing Read More »
Mortgage rates are down, but homebuyers aren’t rushing back. Prices are still high, inventory remains tight, and many Americans are cautious about the economy. We break down why the market isn’t moving, even with cheaper loans
Why Lower Mortgage Rates Aren’t Boosting Home Sales Read More »
The U.S. unemployment rate remains at historically low levels even as job growth slows and labor market cracks widen. Retirements, discouraged workers, fewer working mothers, and declining immigration are shrinking the labor force, keeping the rate artificially low.
Why the Unemployment Rate Looks Stronger Than the Labor Market Feels Read More »
The latest U.S. inflation and labor market data reveal a challenging balance for the Federal Reserve. While CPI held steady at 2.7% in July, core inflation accelerated to 3.1%, and producer prices jumped, limiting monetary flexibility. At the same time, weak job gains, rising unemployment, and stalled labor participation are pressuring policymakers toward rate cuts, with major implications for mortgage rates and housing affordability through late 2025.
Inflation and Labor Market Trends: What They Mean for Housing in 2025 Read More »
Despite Fed’s September rate cut and projections for two more in 2025, mortgage rates remain elevated. A softening labor market is further eroding buyer confidence. With affordability stretched and supply still tight, lower rates alone may not be enough to revive housing demand.
Fed Cuts, But Housing Stays Stuck Read More »
In May 2025, U.S. housing starts dropped to a five-year low, reflecting waning builder confidence amid softening demand and elevated construction costs. Ongoing labor shortages, high interest rates, and tariff uncertainties continue to challenge the delivery of low-cost housing nationwide.
What’s Behind the 2025 Construction Slowdown Read More »
In May 2025, the Federal Reserve opted to keep interest rates unchanged, highlighting heightened economic uncertainty and increased risks to both inflation and employment, particularly in light of ongoing tariff policies.
Fed Maintains a “Wait-And-See” Approach Read More »
The Spring 2025 housing market is underperforming expectations, failing to bloom due to persistent affordability challenges stemming from elevated mortgage rates and rising home prices, compounded by economic uncertainty that is keeping potential buyers on the sidelines despite an increase in available inventory.
The Lackluster Spring Housing Season of 2025 Read More »
The 2025 housing market sees a notable rise in seller concessions, driven by increased inventory and softer buyer demand, signaling a shift in negotiating leverage towards those looking to purchase homes.
The Negotiation Game Changes: Seller Concessions in a Shifting Market Read More »
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