The Nadlan Group Real Estate Podcast

Mortgage Rates Drop After Fed Decision What Powell’s Comments Mean for 2026

Mortgage rates slipped today, but not for the reason many people think. While the Federal Reserve did cut its benchmark rate by a quarter point — a move widely expected — markets barely reacted to the announcement. The real shift happened after Fed Chair Jerome Powell began speaking during his press conference. And that’s where the drop in mortgage rates came from.
 
It’s a reminder that mortgage rates don’t move because of the Fed Funds Rate itself. They move based on what markets think the future will look like. Today, Powell’s tone suggested a softer economic outlook and continued progress on inflation, and that was enough to push bond yields lower — which brought mortgage rates down with them.
 
Powell made several comments that caught the market’s attention. First, he noted that job gains “could have been overstated” in recent months — a sign the labor market may be cooling faster than expected. He also pointed to “growing evidence that inflation is coming down,” which gives investors more confidence that long-term rates can ease over time.
 
But the most important line was his reference to interest rates now being in the “high range of neutral.” That phrase signals that the Fed no longer sees policy as aggressively restrictive — and that additional cuts in 2026 remain on the table if the data continues to soften. In other words, the Fed may be closer to the end of its tightening cycle than previously thought.
 
Before Powell began speaking, mortgage rates were essentially flat. But as his remarks unfolded, bond markets strengthened and lenders issued mid-day rate improvements. By the afternoon, many lenders were offering the best rates of the week, with small yet meaningful drops across conventional and FHA loan pricing.
 
For borrowers, the takeaway is clear: the Fed’s policy decision is only part of the picture. Powell’s tone, his comments on inflation, and the market’s interpretation of what comes next often matter more. Rate cuts don't automatically lower mortgage rates — expectations do. And today’s expectations shifted just enough to give borrowers a welcome break.For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
 
🔍 If you’re looking to get the best possible mortgage in the U.S. for Foreign Nationals and Americans, and want to run an auction between more than 3,000+ lenders, click here👇
https://nadlancapitalgroup.com
 
Continue reading on our site: 
https://www.forumnadlanusa.com/2025/12/mortgage-rates-drop-after-fed-decision-what-powells-comments-mean-for-2026/
#MortgageRates #FederalReserve #JeromePowell #HousingMarket #EconomicUpdate

Why Homeownership Feels Out of Reach for Millions of Americans in 2025

Many Americans are feeling increasingly discouraged about today’s housing market — and the numbers show why. Even with steady income growth, the typical household earning just under $80,000 a year is now priced out of more than 75% of homes for sale nationwide, according to new data from Bankrate. To afford a typical home in 2025, buyers need nearly $113,000 in annual income — far beyond what most families bring in.
 
Redfin economist Chen Zhao put it plainly: “The American dream of buying a home and raising a family has become much harder.” And the factors behind this affordability crisis have been building for years. A decade of underbuilding, pandemic-era bidding wars, low inventory, and the fastest mortgage rate spike in 20 years have created a perfect storm. Wages are rising, but nowhere near fast enough to keep up with home prices.
 
In many of the country’s largest metros, affordable listings have become nearly impossible to find. Miami, Los Angeles, and San Diego are among the worst — fewer than 2% of homes on the market are within reach of the median household, with prices regularly topping $1 million.
 
But there are bright spots. Cities like Pittsburgh, St. Louis, Detroit, Cincinnati, and Birmingham still offer realistic paths to homeownership, where as many as 40–50% of listings fall within budget for the average buyer. These markets benefit from slower price growth and more stable construction activity.
 
Even so, the emotional toll is becoming more visible. More than half of Americans say their income simply can’t keep up with rising home prices, and one in five fear they may never save enough to buy. The median first-time homebuyer today is 40 years old — the highest age on record — and many younger buyers feel they’ve been locked out entirely as higher mortgage rates shrink their purchasing power.
 
Experts agree that affordability will improve, but slowly. Slightly lower mortgage rates and more balanced supply in 2026 may offer some relief, but analysts warn that prices won’t fall dramatically — and the days of 3% mortgage rates are not coming back anytime soon. Ultimately, the country needs more housing, especially at price points middle-income families can afford.
 
Until that happens, millions of Americans will continue struggling to reach the dream of homeownership.For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
 
🔍 If you’re looking to get the best possible mortgage in the U.S. for Foreign Nationals and Americans, and want to run an auction between more than 3,000+ lenders, click here👇
https://nadlancapitalgroup.com
 
Continue reading on our site: 
https://www.forumnadlanusa.com/2025/12/why-homeownership-feels-out-of-reach-for-millions-of-americans-in-2025/
#HousingAffordability #RealEstateMarket #Homebuyers #MortgageRates #EconomicOutlook

Fed Lowers Interest Rates Amid Divided Opinion on Economic Priorities

In a widely anticipated move, the Federal Reserve’s Open Market Committee voted to lower interest rates by a quarter point, bringing the federal funds rate to a range of 3.5% to 3.75%. This marks the third consecutive rate cut as the Fed continues navigating a complex economic environment. However, the decision was met with controversy, as three committee members dissented, reflecting a divide over whether the Fed should prioritize reducing inflation or supporting job growth.
 
This rate cut comes amid a mixed economic backdrop—while job growth has slowed, inflation continues to remain above the Fed’s target. The decision signals the Fed's cautious approach to further easing, with a focus on balancing economic growth and inflation concerns.
 
As for mortgage borrowers, the immediate impact may be minimal, as mortgage rates don't always move directly with the Fed's actions. However, the Fed's longer-term projections, especially regarding inflation and economic growth, will be crucial in shaping future decisions.
 
Looking ahead, the Fed faces further challenges, including President Trump’s upcoming appointment of a new Fed Chair, a decision that could have significant implications for U.S. economic policy.For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
 
🔍 If you’re looking to get the best possible mortgage in the U.S. for Foreign Nationals and Americans, and want to run an auction between more than 3,000+ lenders, click here👇
https://nadlancapitalgroup.com
 
Continue reading on our site: 
https://www.forumnadlanusa.com/2025/12/fed-lowers-interest-rates-amid-divided-opinion-on-economic-priorities/
#FederalReserve #InterestRates #Inflation #FedChair #MortgageRates

Rising Insurance Costs Could Add Pressure to Homebuyers Over the Next Two Years

Homeowners across the U.S. are bracing for a significant rise in insurance premiums, with projections showing increases of up to 16% over the next two years. This surge is driven by the higher costs of rebuilding homes, along with more frequent natural disasters like wildfires, floods, and windstorms. These factors have placed a tremendous strain on the insurance market, with premiums expected to rise by 8% in both 2026 and 2027.
 
A major contributor to this increase is the rising cost of rebuilding, exacerbated by inflation and housing supply chain challenges. Additionally, many homes are located in high-risk areas for climate-related disasters. For example, nearly 6% of U.S. homes face flood risks, 18% are exposed to wind damage, and 6% are at risk from wildfires. This climate vulnerability is pushing insurance premiums higher, especially in coastal markets like Miami and Fort Lauderdale, where the value of homes at risk of flooding has reached $306.8 billion.
 
The rise in premiums is not only a concern for homeowners but also for potential buyers, who are already grappling with affordability issues. With rising insurance costs, buyers may find it harder to estimate total monthly housing expenses, leading to weaker demand, particularly in regions with higher climate risks. This added financial pressure could further dampen the already fragile housing market.For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
 
🔍 If you’re looking to get the best possible mortgage in the U.S. for Foreign Nationals and Americans, and want to run an auction between more than 3,000+ lenders, click here👇
https://nadlancapitalgroup.com
 
Continue reading on our site: 
https://www.forumnadlanusa.com/2025/12/rising-insurance-costs-could-add-pressure-to-homebuyers-over-the-next-two-years/
#InsurancePremiums #HousingMarket #Homebuyers #ClimateRisk #MortgageRates

Can the Fed's Rate Cut Impact Mortgage Rates Here's What to Expect

Mortgage rates remained steady on Tuesday despite bond market activity cooling, which typically drives fluctuations in rates. The relative calm in mortgage rates came after the release of Job Openings data, which weakened bond prices. However, since most lenders set rates before 10 AM, this timing may explain the steadiness—should bond prices remain the same, rates could rise tomorrow.
 
Looking ahead, the Federal Reserve's meeting this afternoon is expected to bring some volatility, though a rate cut won’t directly lower mortgage rates. Historically, mortgage rates have increased after Fed rate cuts. What traders are really watching is the Fed's economic projections and the dot plot, which reveals each Fed member's view on future interest rates. The press conference with Fed Chair Jerome Powell could further influence the market, especially if there’s a shift in the Fed’s policy approach.
 
While a rate cut alone won’t affect mortgage rates immediately, the accompanying economic outlook could spark market volatility, which might indirectly impact future mortgage rates. Buyers and sellers should stay informed as we head into December and watch for the Fed’s update for key signals on the future of rates.For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
 
🔍 If you’re looking to get the best possible mortgage in the U.S. for Foreign Nationals and Americans, and want to run an auction between more than 3,000+ lenders, click here👇
https://nadlancapitalgroup.com
 
Continue reading on our site: 
https://www.forumnadlanusa.com/2025/12/can-the-fed-pull-mortgage-rates-off-the-ceiling/
#MortgageRates #FederalReserve #InterestRates #MarketVolatility #EconomicProjections

Core Inflation Rate Hits 2 8%, Fed May Move Toward Rate Cut in December

The U.S. core personal consumption expenditures (PCE) index, which excludes food and energy, showed a slight cooling in inflation in September, rising 0.2% month-over-month and reaching an annual rate of 2.8%. This modest dip from the previous month’s 2.9% aligns with economists’ expectations and strengthens the case for a Federal Reserve rate cut. With markets placing an 87% probability on a 25-basis-point cut at the Fed's December meeting, this would mark the third consecutive rate reduction, signaling a shift toward easing policies amid a softening labor market and inflationary pressures.
 
While inflation shows signs of cooling, the labor market remains a concern, with over 1.17 million job cuts announced in 2025, the highest since the pandemic. Additionally, tariff-driven inflation continues to push goods prices up. Despite these challenges, personal income rose 0.4% in September, and consumer spending increased by 0.3%, indicating steady consumer confidence.
 
In a positive turn, December’s consumer sentiment improved, suggesting optimism among Americans. With inflation expectations lowering and the core PCE showing progress, the Fed is likely to move forward with its rate cuts, aiming to support economic growth while managing inflationary risks.For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
🔍 If you’re looking to get the best possible mortgage in the U.S. for Foreign Nationals and Americans, and want to run an auction between more than 3,000+ lenders, click here👇
https://nadlancapitalgroup.com
 
Continue reading on our site: 
https://www.forumnadlanusa.com/2025/12/core-inflation-rate-hits-2-8-opening-path-for-fed-rate-cut-in-december/
#HousingMarket2025 #MortgageRates #Homebuyers #RealEstateTrends #MarketStagnation

October Housing Market Sales and Listings Stagnant Amid Modest Price Growth

In October 2025, the U.S. housing market showed signs of stagnation, with pending sales, closed sales, and new listings all staying nearly the same compared to the previous month and year. This trend marks a slowdown after a period of steady recovery, with home prices rising only 1.4% year-over-year, a notable decrease from earlier years. Redfin’s economists predict that existing home sales will end the year flat compared to 2024, signaling the worst sales performance since 1995.
 
Buyer paralysis remains a major challenge as high prices and mortgage rates discourage many potential buyers. Sellers, often motivated by necessity rather than market conditions, are facing a shrinking pool of buyers. As a result, homebuyers now have more negotiating power, with average discounts reaching 1.5% off the list price, the largest discount since 2019. Homes are also taking longer to sell, with the typical home sitting on the market for 51 days, seven days longer than last year.
 
Regionally, price changes varied widely. Cities in the Midwest, like Cleveland and Detroit, saw price increases, while markets in Florida and Texas, including Jacksonville and Dallas, experienced declines. In terms of sales, West Palm Beach and Tampa posted strong gains, while Seattle and Minneapolis saw declines.
 
Looking ahead, while the market remains sluggish, there are signs of a slow recovery, especially as mortgage rates have eased. However, significant movement in the market will depend on further rate adjustments and a balancing of affordability challenges.For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
 
🔍 If you’re looking to get the best possible mortgage in the U.S. for Foreign Nationals and Americans, and want to run an auction between more than 3,000+ lenders, click here👇
https://nadlancapitalgroup.com
 
Continue reading on our site: 
https://www.forumnadlanusa.com/2025/12/october-housing-market-sales-and-listings-stagnant-amid-modest-price-growth/
#HousingMarket2025 #MortgageRates #Homebuyers #RealEstateTrends #MarketStagnation

Commercial Real Estate Deal Volume Drops for the First Time in Almost Two Years

In October 2025, the U.S. commercial real estate (CRE) market experienced its first setback since early 2024, as deal volume dropped year-over-year, according to a report from Moody’s shared with CNBC’s Property Play. After a steady recovery from the post-pandemic slump, this decline marks a shift in the market, influenced by high interest rates, ongoing economic uncertainty, and changing policies.
 
Despite this downturn, October remained an active month for CRE deals, with $24.4 billion in property sales, about 70% of the volume seen in October 2019. However, compared to 2024 and 2023, the momentum has slowed. Kevin Fagan of Moody’s attributed this to a stalemate between buyers and sellers, where both sides are hesitating due to high interest rates and economic concerns, extending the recovery cycle.
 
While the overall market cooled, some sectors showed resilience. The industrial and multifamily sectors continued to lead in deal volume, though multifamily transactions saw a 27% decline compared to the previous year due to affordability challenges. The hotel sector showed growth, with a 6% increase in deal volume, highlighted by the sale of the New York Edition Hotel for $231.2 million. Meanwhile, the office sector struggled, with property conversions and discounted prices becoming more common.
 
Looking ahead, the slowdown in CRE transactions is mainly due to high interest rates, economic uncertainty, and supply-demand imbalances, especially in multifamily and office spaces. While the market faces temporary challenges, there’s potential for resilience in specific sectors. As we head into 2026, much depends on how economic conditions, interest rates, and investor sentiment evolve.For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
 
🔍 If you’re looking to get the best possible mortgage in the U.S. for Foreign Nationals and Americans, and want to run an auction between more than 3,000+ lenders, click here👇
https://nadlancapitalgroup.com
 
Continue reading on our site: 
https://www.forumnadlanusa.com/2025/12/cre-deal-volume-falls-for-first-time-in-nearly-two-years/
#CommercialRealEstate #CRE2025 #InterestRates #RealEstateRecovery #EconomicUncertainty

Mortgage Rates Begin the Week Near 3 Month Highs as Markets Slide

Mortgage rates kicked off the new week on a slightly rough note, rising to their highest level in more than three months. The move came after both the stock and bond markets weakened on Monday, and because mortgage rates follow bond prices, that drop translated directly into higher borrowing costs.
 
Now, hearing “three-month high” might sound alarming, but context matters. Today’s rates are actually very close to where they were just two weeks ago. In other words, the broader trend hasn’t changed — rates remain stuck in the same, fairly stable range they’ve been in for weeks.
 
What made today interesting is that there was no single big headline driving the increase. No major economic report, no Fed announcement, no global event. Instead, markets appear to be reacting to a general sense of caution.
 
With the Federal Reserve announcing its next decision on Wednesday, many traders are choosing safer positions ahead of time. That shift alone can move stocks and bonds enough to nudge mortgage rates higher. On top of that, we’re in the holiday season — a period when trading slows down because so many market participants are out of the office. Low-volume markets tend to move more unpredictably, even without meaningful news.
 
But while Monday didn’t offer much clarity, the picture could change quickly. Tuesday brings several important economic reports, giving the market a better read on inflation, jobs, and consumer spending. And Wednesday’s Federal Reserve meeting is almost certain to be the main event. Fed days often bring sharper movements in mortgage rates, especially when investors and policymakers aren’t perfectly aligned.
 
So although today’s rate bump may feel like a setback, the real story will unfold over the next 48 hours. With major data and a Fed decision on deck, mortgage rates could move more noticeably as the week progresses.For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
 
🔍 If you’re looking to get the best possible mortgage in the U.S. for Foreign Nationals and Americans, and want to run an auction between more than 3,000+ lenders, click here👇
https://nadlancapitalgroup.com
 
Continue reading on our site: 
https://www.forumnadlanusa.com/2025/12/mortgage-rates-begin-the-week-near-3-month-highs/
#MortgageRates #HousingMarketUpdate #FederalReserve #EconomicOutlook #InterestRates2025

Nearly Half of U S Renters Plan to Buy a Home Within Four Years, New Study Shows

A growing share of American renters believe they’re finally getting closer to buying a home. A new Experian study shows that 47% of renters expect to become homeowners within the next four years, with Gen Z and millennials leading that optimism. And when renters look eight years out, that number jumps to 67%, showing that despite affordability challenges, the long-term desire for homeownership remains incredibly strong.
 
The findings come just as the FHFA approved the use of the VantageScore 4.0 credit model for mortgages—an update that could reshape access to home financing. Unlike traditional credit scoring, VantageScore includes alternative data, such as rental payment history, which is especially important for younger renters who pay on time but haven’t built deep credit files.
 
Experian is the only major credit bureau that automatically reports positive rent payments, maintaining the largest rental payment database in the country. Experts say this could be a game-changer.
 
“Positive rent payments are a powerful way to make homeownership more accessible,” said Michele Bodda, Experian’s President of Housing and Verification Solutions. To support this shift further, Experian announced it will provide VantageScore 4.0 to mortgage lenders at no cost, helping them better evaluate credit-ready renters who may have been overlooked in the past.
 
But optimism doesn’t erase the reality: renters still face major barriers. Sixty-seven percent say saving for a down payment is the biggest obstacle, followed closely by high home prices and concerns about credit scores. Nearly four in ten renters say their financial knowledge around homebuying is only “fair” or worse. And about a quarter have already been denied for a mortgage or rental application due to their credit.
 
Renters say the most helpful tools would be financial assistance or incentives, a clearer understanding of what loans they qualify for, and better financial education overall. Experian’s Consumer Education Manager, Christina Roman, says renters want guidance but often don’t know where to turn. The goal, she says, is to help them build confidence and understand the steps required to transition from renting to owning.
 
With new credit models, stronger rent reporting, and a generation motivated to buy, the next decade could unlock homeownership opportunities for millions of renters—especially Gen Z and millennials—when the timing and finances finally align.For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
 
🔍 If you’re looking to get the best possible mortgage in the U.S. for Foreign Nationals and Americans, and want to run an auction between more than 3,000+ lenders, click here👇
https://nadlancapitalgroup.com
 
Continue reading on our site: 
https://www.forumnadlanusa.com/2025/12/nearly-half-of-u-s-renters-plan-to-buy-a-home-within-four-years/
#FederalReserve #InterestRates #EconomyUpdate #Inflation #HousingMarket