The Clarity Act is coming: How real estate tokenization unlocks $40 trillion in dead equity
Tokenized equity could fund down payments, change PMI use, and lower HELOC-like borrowing costs if the Clarity Act passes.
Housing Market
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Why a 2008 housing crash can’t happen again
Housing credit changed after 2005 bankruptcy reform and the qualified mortgage rule, limiting leverage and curbing ARM-era risk.
Housing demand is concentrating where affordability still works
Housing demand in 2026 is concentrating in markets where pricing, affordability and transaction activity remain aligned.
Inventory growth making housing more affordable
With inventory at multiyear highs, NAR prices are up 0.9% year over year versus 3.6% wage growth, easing affordability pressure.
Positive housing demand leads to inventory almost going negative YOY
Pending sales rose to 79,220 vs 74,212 last year as rates dipped to 6.42% and inventory growth slowed to 1.49% year over year.
Homebuyer aid broadens to middle class amid price pressures
Homebuyer assistance has moved far beyond the scope of poverty relief — growing into an economic strategy to preserve homeownership.
Mortgage spreads are the only thing keeping rates under 7%
If mortgage spreads were at the highest levels from 2023-2025 with the 10-year yield at this level, mortgage rates would be over 7%.
Housing demand shockingly positive even as the Iran war continues
Housing demand rebounded last week even though the war with Iran continues and mortgage rates are higher today than before the war started.
Inventory rises as pricing lags in the spring housing market
More homes are hitting the market, but pricing is still catching up. Here’s what that means for agents, buyers and investors right now.
Weekly pending home sales show yearly growth as mortgage rates fall
Inventory rose to 743,006, new listings hit 77,919 and pending sales rose to 73,241 as rates neared 6.25%.