Housing affordability challenges steepen in Q3
In Q3 2025, a household needed to earn $110,100 to afford to own a single-family home, nearly double the income required five years ago.
Mortgage Rates
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November mortgage lock data driven by strong refinance activity
November’s mortgage rate-lock activity slowed but posted the strongest results in four years, driven by a surge in refinances.
Fed delivers third straight rate cut, but housing market will see limited relief
The Federal Reserve delivered another 25-basis-point cut to its benchmark interest rate on Wednesday, setting the target range at 3.5% to 3.75%.
December housing demand near 3-year high as spreads improve
Mortgage purchase applications hit a three-year high as improved spreads and lower rates drive 18 weeks of growth.
Most prospective homebuyers want to seal the deal in 2026
About three-quarters said more affordable home prices would prompt buying within six months. Mortgage rates were the No. 2 factor.
Zillow expects calmer 2026 housing market, improved affordability
Home values declined in half of the largest markets analyzed by Zillow in 2025, as of October. That number is projected to drop to 12 in 2026.
December housing data provides early signals for 2026 market
December’s housing data, especially purchase apps and inventory, will offer a preview of 2026 market conditions as rates hold steady.
The originator’s playbook: Competing and growing in a shifting market
As interest rates continue to ease and borrower confidence rebuilds, originators are operating in a market that demands both adaptability and creativity.
To better understand how mortgage professionals are approaching today’s environment, I asked four experienced originators to share how they’re guiding clients, leveraging non-qualified mortgage (non-QM) solutions, and refining their playbooks to stay competitive. What emerged was a shared message of optimism and resilience, as well as a renewed focus on client education and relationships, two cornerstones of long-term success in our business.
Are mortgage buydowns a lifeline or a risk for new homebuyers?
Large builders’ mortgage buydowns make new homes more accessible but may artificially inflate prices. There’s an open debate regarding the long-term impact for buyers.
Total pending home sales reach multiyear high with mortgage rates near 6%
This year we have benefited from mortgage rates remaining below 6.64% for the last 16 weeks, spurring total pending home sales.