Analysis and Data

Affordability in the Golden State edged higher in late 2025, as modest home price declines and easing mortgage rates improved buying power, though most households still remain priced out

Despite ongoing affordability and labor challenges, the National Association of Home Builders forecasts modest single-family construction growth ahead, supported by easing mortgage rates and continued demand for more attainable housing options

Florida Realtors reports the Sunshine State’s 2025 housing market showed modest single-family sales growth, rising inventory, and stabilizing prices, signaling a shift toward more balanced conditions

Florida’s housing market began 2026 with year-over-year gains in closed sales, pending contracts, and new listings, while median prices edged lower and inventory expanded, according to Florida Realtors

Rising crypto wealth pushes Non-QM lenders, like Newrez, to adapt

New research shows Federal Home Loan Bank liquidity doesn't just stabilize lenders — it translates directly into mortgage originations, small business loans, and community development funding

All-cash home purchases fell to their lowest December share in five years at the end of 2025, as easing mortgage rates and softer competition reduced buyers’ reliance on cash offers, according to Redfin

A new Realtor.com report shows rental vacancy rising to 7.6% and median rents falling for the 29th straight month, signaling a broad shift toward a more renter-friendly U.S. housing market

The typical U.S. down payment fell to $64,000 in December as buyers gained negotiating leverage, mortgage rates eased, and affordability pressures reshaped purchasing behavior

A new Redfin analysis finds buyers now need $111,252 to afford the typical U.S. home — down 4% year-over-year — as lower mortgage rates and slower price growth begin to ease affordability pressures in most major metros