The U.S. housing market is becoming increasingly regional as 2026 approaches. While affordability and steady demand are supporting several Midwest and Northeast metros, many Sun Belt markets are grappling with slowing prices after years of rapid growth. Understanding local supply, demand, and affordability conditions is now essential for buyers, sellers, and investors alike
How Affordability Is Drawing the Housing Map in 2026 Read More »
The U.S. Housing Market Hotness Index slipped at the start of 2026, highlighting how affordability challenges continue to restrain buyer activity. While modest relief may emerge from lower mortgage rates, stronger income growth, and proposed federal housing policies, the market remains deeply regional.
Housing Market Hotness Index Jan 04, 2026 Read More »
The mortgage industry is shifting from the “rate lock” era into a phase called the Default Drift. As equity buffers thin and insurance costs spike, static delinquency reports are no longer enough. Learn how proactive collateral monitoring and new compliance rules are essential for managing Mortgage Servicing Rights (MSRs) in a stagnant 2026 housing market.
Why Mortgage Servicing Strategies Must Move Beyond Delinquency Reports Read More »
The 15-year mortgage is making a comeback as financially disciplined homeowners look to reduce debt faster. Lenders and risk managers should note this trend, which can lower credit risk but bring portfolio management challenges. While not for every borrower, the shorter-term loan signals strategic financial planning in today’s market.
Quantifying the True Cost of the Golden Handcuffs 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 »
Over the past decade, the U.S. housing market has seen a significant demographic shift, with older, wealthier buyers—especially baby boomers—now dominating home purchases. Meanwhile, younger and first-time buyers face mounting barriers as home prices have outpaced wage growth by nearly double.
The Changing Demographics of U.S. Home Buyers: 2015–2025 Read More »
Veros Real Estate Solutions’ Q3 2025 VeroFORECAST projects a 1.8% rise in U.S. home prices over the next year. Despite easing mortgage rates, affordability challenges and labor market weakness continue to restrain demand. Meanwhile, Midwest and Northeast metros lead growth as Florida and Texas cool.
Veros Q3 2025 Housing Market Forecast Read More »
The 15-year mortgage is making a comeback as financially disciplined homeowners look to reduce debt faster. Lenders and risk managers should note this trend, which can lower credit risk but bring portfolio management challenges. While not for every borrower, the shorter-term loan signals strategic financial planning in today’s market.
Looking at the Return of the 15-Year Mortgage 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 »
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 »
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