The September employment report delivered what looked like a mixed message: employers added 119,000 jobs, yet the unemployment rate still edged higher. At first glance, those two trends seem contradictory. But when you break down how the labor market is […]
More Jobs added in September, yet the unemployment rate edged up Read More »
The U.S. Housing Market Hotness Index ticked up to 90.11 in early December, but the market remains sluggish as high mortgage rates, economic uncertainty, and affordability pressures keep both buyers and sellers on the sidelines. While pockets of the Northeast and Midwest remain competitive, Florida and Texas continue to see some of the weakest housing activity in the nation.
Housing Market Hotness Index Dec 07, 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 »
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 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 »
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 »
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