The Nadlan Group Real Estate Podcast

Mortgage Rates Drift Back Toward Recent Lows as Bond Market Finds Support

Mortgage rates moved lower on Wednesday, giving borrowers a more noticeable improvement than earlier in the week. While rates haven’t quite returned to last week’s lows, they’re now close enough that many buyers and refinancers will feel the difference.
 
Today’s shift came primarily from the bond market — but in an unusual way. Most of the improvement happened overnight, before U.S. markets even opened. This typically occurs when global markets push momentum in a new direction and domestic trading simply carries it forward.
 
Once U.S. economic data was released this morning, nothing in the reports pushed rates higher. The data was neutral, but in a market where rates have been stuck in a tight range for weeks, even neutral news can help hold onto overnight gains.
 
The result: lenders priced mortgages slightly better, and rates are now back near the lower end of their recent range.
 
For borrowers, this means small but meaningful opportunities: pricing improved, lenders are a bit more flexible, and anyone watching for a dip finally saw some movement in their favor. But with more economic reports coming later this week, rate volatility can pick back up quickly.
 
For now, this mid-week easing gives borrowers a brief window of breathing room as we head deeper into December.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-back-down-near-recent-lows/
#MortgageRates #HousingMarket #InterestRates #RealEstateNews #BondMarket #HomeBuyers #Refinance

Rising Tariff Pressures Signal Possible Job Cuts in 2026, Corporate Leaders Warn

New U.S. tariffs intended to bring manufacturing jobs back to America may end up doing the opposite. New survey data and executive commentary show growing concern that higher import costs are forcing companies to consider staff reductions heading into 2026.
 
According to the latest ISM manufacturing report, executives across key industries say tariffs are reshaping their business plans in ways that could directly impact American workers. One transportation equipment executive said the company is already implementing permanent changes, including layoffs and shifting more production offshore — exactly the outcome tariffs were meant to prevent.
 
The ISM index fell to 48.2% in November, signaling another month of contraction in the manufacturing sector. Its employment measure dropped to 44%, the lowest since August, showing weakening demand for labor.
 
Pressure isn’t limited to factories. Leaders in energy, machinery, and electronics are also preparing for a tougher 2026. A petroleum and coal industry executive said their company has already sold a business unit and begun offering voluntary severance packages. Another executive in electrical equipment said today’s tariff-driven uncertainty is even worse than the disruptions seen during the pandemic.
 
Despite these warnings, broader economic data still looks stable at the surface. Q3 GDP is tracking near 3.9%, and September payrolls came in stronger than expected. But large corporations — including Amazon, which plans to cut up to 30,000 jobs — are already responding to rising costs and global trade weakness.
 
International analysts believe the most significant effects are still ahead. The OECD reports that global trade has not yet seen “severe disruption,” but early indicators suggest tariff impacts are beginning to spread. A sharp decline in the value of tariffed U.S. imports is an early sign that companies are already scaling back.
 
The Federal Reserve’s latest Beige Book echoes the concern, noting slight declines in employment over the past several weeks and highlighting tariffs as a major uncertainty for manufacturers. Retailers are also feeling the strain: one large chain reported a 20% rise in costs and is weighing whether to raise prices, cut staff, or reduce other expenses.
 
Looking ahead to 2026, many economists believe businesses may tighten staffing as they navigate higher costs, slowing global trade, and cautious investment. While the economy remains resilient on the surface, tariff-driven layoffs and reduced hiring could become a dominant theme in the year ahead.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/tariff-pressures-begin-to-hit-businesses-raising-fears-of-job-cuts-in-2026/
#USEconomy #Tariffs #ManufacturingIndustry #LaborMarket #EconomicOutlook

Child Care Real Estate Becomes the Next Big Target for Developers and Investors

A fast-growing but often overlooked corner of commercial real estate is suddenly becoming a major investment target: child-care properties. As more parents return to in-person work and demand for early education surges, the U.S. is facing a childcare shortage so severe that it has created one of the strongest growth opportunities in the real estate market.
 
A new report from brokerage B+E shows that investor interest in childcare centers is rising quickly. Available childcare properties for sale are up 14% since the end of 2024, and banks are eager to finance them. According to B+E CEO Camille Renshaw, developers are now securing strong national tenants — making these assets extremely attractive for investors seeking long-term, stable income.
 
The U.S. child-care industry is already valued at over $65 billion and is projected to nearly double to $110 billion by 2033. The growth is driven by several trends: more parents returning to offices, expanding early education technology, increased government support, and rising awareness of early childhood development.
 
What makes this sector so appealing to investors is the net lease model. Most large childcare operators — including KinderCare and The Learning Experience — prefer long-term leases where they handle taxes, insurance, and maintenance. This creates reliable, low-touch income for property owners. The number of facilities with leases longer than 10 years has jumped 12% this year alone.
 
But the biggest driver is a severe nationwide shortage. Nearly 15 million children under age six need care, but only 8.7 million have access to formal programs. That leaves a gap of 6 million childcare slots, with more than half of U.S. regions qualifying as “child-care deserts.” In many of these areas, families face waitlists lasting six months to a year or more.
 
Developers are now targeting these deserts directly. Fortec, a major early-childhood real estate developer, has partnered with Equiturn to launch a $100 million fund to expand childcare facilities across underserved regions. Their goal is to institutionalize the sector — turning childcare centers into a recognized, scalable investment class, similar to what happened with single-family rentals a decade ago.
 
REITs are beginning to show interest too, though childcare still represents only a tiny portion of their portfolios. But with demand rising, government incentives growing, and supply far behind, industry leaders say the sector is poised for rapid expansion.
 
For investors, childcare centers offer reliable tenants, long leases, and strong returns. For communities, they provide essential infrastructure that supports workforce participation and economic stability.
 
Child-care real estate is no longer a niche—it’s becoming one of the most compelling growth stories in commercial property today.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/child-care-real-estate-gains-investor-momentum-as-demand-surges-nationwide/
#CommercialRealEstate #CRETrends #ChildCareIndustry #RealEstateInvesting #CommercialProperty

Why Many Homebuyers Are Still Waiting as Prices Rise and Inventory Shrinks

New Redfin data shows that U.S. home prices rose 2.3% during the four weeks ending November 16 — the strongest annual increase in seven months. But this price growth isn’t being driven by strong demand. Instead, it’s happening because supply continues to shrink, even as buyers step back.
 
Buyer demand remains weak. Pending home sales fell 0.8% year-over-year, the biggest decline in four months, and homes are sitting on the market longer. The typical home now goes under contract after 49 days — the slowest pace for this time of year since 2019. Economic uncertainty, elevated prices, and high mortgage rates are keeping many shoppers on the sidelines.
 
At the same time, inventory is losing momentum. Active listings rose only 6.1% from a year ago — the smallest increase since early 2024. With fewer new homes hitting the market, prices continue to inch up, even without strong buyer activity. And even though home-price growth is running below both wage growth and inflation, the improvement in affordability hasn’t been enough to change buyer behavior.
 
Price trends vary sharply across the country. Eighteen of the 50 largest metros posted annual price declines — the broadest drop in more than two years. Markets like Fort Worth, Dallas, Jacksonville, Miami, and Seattle saw some of the steepest reductions, as rising supply met weaker demand.
 
But the Midwest and Rust Belt tell a completely different story. Cities like Cincinnati, Pittsburgh, Detroit, Milwaukee, and Cleveland are seeing the fastest price gains in the nation, driven by stable demand and far more attainable home prices. These markets continue to attract local buyers as well as out-of-towners seeking affordability.
 
On the ground, agents say the key is pricing. Homes that are move-in ready and priced realistically — especially those with sought-after features like pools — are still getting multiple offers. But overpriced listings linger.
 
Looking ahead, the market is being pulled in two directions:
Weak buyer demand driven by high mortgage rates and economic uncertainty
Tight inventory that keeps prices from falling more broadly
 
If supply continues to soften, prices may keep rising even with limited demand. But if mortgage rates decline or economic confidence improves, more buyers could return especially in metros where prices have cooled the most.
 
For now, buyers remain cautious, sellers are adjusting, and the market continues to move slowly toward its next turning point.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-many-potential-homebuyers-are-still-waiting-as-prices-climb-and-inventory-tightens/
#HousingMarket #RealEstateUpdate #HomePrices #MarketTrends #MortgageRates

Mortgage Rates Tick Lower as Market Awaits Key Economic Reports

Mortgage rates dipped slightly on Tuesday, offering a small but welcome pullback after beginning the week with a sharper jump higher. While the improvement wasn’t big enough to signal a shift in trend, it helped calm the market heading into what is expected to be one of the most volatile stretches of the week.
 
Rates have been stuck in a tight sideways range for several weeks, and Tuesday’s movement simply brought them a bit closer to the middle of that band. But the quiet won’t last long. Starting Wednesday morning, markets will receive a series of high-impact economic reports that could meaningfully influence bond yields—and mortgage rates along with them.
 
The first major release is the ADP Employment Report, which offers an early look at hiring trends across the private sector. Because labor data strongly affects interest rate expectations, any surprises—positive or negative—could move rates quickly. Shortly after, markets will digest the ISM Services Index, a key measure of economic activity in the services sector, which accounts for most U.S. economic output. This report is especially important because it provides insight into inflation, pricing pressures, and business confidence.
 
Investors are watching closely because the Federal Reserve’s next policy decisions—especially the possibility of a December rate cut—may hinge on how these economic indicators trend. With rates already sensitive and markets waiting for clearer direction, volatility is expected to rise through the second half of the week.
 
For borrowers, Tuesday’s dip is a mild improvement, but the real story begins mid-week. Job data, service-sector activity, and additional releases through Friday could determine whether rates stay in their current range or finally break in a new direction. Anyone considering locking a rate should follow the upcoming data closely, as even small surprises can shift mortgage pricing quickly.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-tick-lower-as-market-braces-for-economic-data/
#MortgageRates #HousingMarketUpdate #FedWatch #InterestRates #EconomicNews

Bayview Asset Management Completes $1 3B Acquisition of Guild Holdings

Bayview Asset Management has officially completed its $1.3 billion acquisition of Guild Holdings, marking a major consolidation move in the mortgage industry. The deal was executed through Bayview’s MSR Opportunity Master Fund and immediately resulted in Guild’s removal from the New York Stock Exchange, returning the company to private ownership.
 
Guild will now operate as an independent business under Bayview’s MSR Fund, joining forces with Lakeview Loan Servicing—one of the largest mortgage servicers in the country. Together, they form a powerful platform that blends retail origination, large-scale servicing, and long-term customer relationships.
 
Guild CEO Terry Schmidt says the acquisition unlocks new opportunities for national expansion. She emphasized that combining Guild’s relationship-driven retail lending with Bayview’s capital strength and servicing footprint creates one of the strongest end-to-end ecosystems in the mortgage market.
 
Guild Mortgage, founded in 1960, has built its reputation on local loan officers, in-house processing, and a “customer for life” model designed to retain borrowers across multiple transactions. These strengths were key reasons Bayview targeted the company—especially as Guild brings a substantial servicing portfolio and a nationwide presence across 49 states and D.C.
 
For Bayview, which manages over $36 billion in assets, the acquisition fits squarely into its strategy of building a vertically integrated mortgage and credit platform. Bayview already invests heavily in mortgage servicing rights, whole loans, and mortgage-backed securities. Adding Guild gives Bayview a retail origination arm capable of feeding Lakeview’s massive servicing machine.
 
Going private allows Guild to focus on long-term strategy, free from the pressure of quarterly earnings cycles. Industry analysts believe this partnership could improve customer retention, expand national market share, and create a more competitive platform against other fully integrated mortgage companies.
 
With the mortgage industry facing tight margins and increasing consolidation, the Bayview–Guild deal may signal more M&A activity as lenders seek scale, capital stability, and operational efficiency.
 
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/bayview-asset-management-completes-1-3-billion-acquisition-of-guild-holdings/
#MortgageIndustry #RealEstateNews #BayviewAssetManagement #GuildMortgage #HousingMarketUpdate

Apartment Rents Fall Again as Vacancies Hit Highest Level on Record

Apartment rents continued to fall in November as a wave of new supply met cooling demand, pushing the U.S. rental market into its softest position in years. According to the latest Apartment List report, national median rent dropped another 1% in November—the fourth straight monthly decline—bringing rents down to $1,367. That puts rents 1.1% lower than a year ago and more than 5% below their 2022 peak.
 
At the same time, the national multifamily vacancy rate held at 7.2%, matching October’s reading and setting a record high for the index. Earlier this year, many analysts expected rent growth to turn positive again. Instead, momentum stalled over the summer and reversed sharply.
 
One of the biggest drivers is supply. Even though apartment construction has slowed from pandemic highs, thousands of new units are still coming online. And they’re arriving just as renter demand weakens—especially among young adults. Today, roughly one-third of Americans aged 18 to 34 live with family, the highest share in years. Higher rents, softer job prospects for recent grads, and slowing wage growth are all delaying household formation.
 
Some markets are seeing much steeper rent declines than the national average. Las Vegas is cooling as tourism slows. Boston is facing layoffs in biotech and fewer international students. And Austin leads the country in rent declines due to the sheer volume of new apartments hitting the market.
 
But while some cities are softening, renters are increasingly looking toward the Midwest, where affordability is much stronger. Yardi reports that cities like Cincinnati, Atlanta, and Kansas City are emerging as top rental destinations heading into 2026. In fact, 11 of the top 30 renter demand markets are now in the Midwest—more than at any point in recent years.
 
Looking ahead, Apartment List expects the rental market to gradually stabilize once construction slows more meaningfully in 2026. However, a large under-construction pipeline and a weakening labor market could keep vacancies elevated in the near term.
 
For renters, this means more choices, more concessions, and better prices. For landlords, it signals a tougher, more competitive environment as we head into the new year.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/apartment-rents-fall-again-as-vacancies-hit-highest-level-on-record/
#RentalMarket #HousingTrends #RealEstateUpdate #RentPrices #ApartmentList

Mortgage Rates Jump Back Up, Wiping Out Last Week’s Small Improvements

Mortgage rates kicked off December by erasing the small improvements seen over Thanksgiving week, snapping right back into the same narrow range that’s dominated the past month. While rates briefly dipped to around 6.20% during the holiday slowdown, that improvement didn’t last. Once full trading activity returned on Monday, the bond market recalibrated and pushed mortgage rates back up to 6.31%—exactly where they were before the holiday break.
 
This quick reversal highlights an important reality: holiday-week rate movements almost never stick. With fewer traders active and lower overall market volume, even small trades can push rates in artificial directions. And once normal trading resumes, rates usually fall back into their prior trend—which is exactly what happened this year.
 
For nearly four weeks, mortgage rates have been trapped in a tight, stubborn range in the low-to-mid 6% zone. While this stability has helped reduce day-to-day volatility, it has also kept buyers waiting for any meaningful improvement. Today’s rate movement confirms that nothing has changed in the broader rate environment.
 
But that calm won’t last long. This week brings several key economic reports with real potential to influence the direction of mortgage rates. Upcoming data includes updated labor market figures, fresh inflation indicators, and multiple government reports that were delayed during the recent shutdown. These releases carry far more weight than last week’s holiday noise—and they could push rates meaningfully up or down depending on the results.
 
Borrowers should keep an eye on three things: job market data, inflation readings, and any statements from Federal Reserve officials as the December meeting approaches. Softer economic data or cooling inflation could bring rates lower, while stronger numbers may push them back up.
 
For now, the brief holiday dip is over, and mortgage rates have returned to the familiar 6.3% range—waiting for the next major economic signal to break the pattern.
 
🔍 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-jump-back-up-wiping-out-last-weeks-small-improvements/
#MortgageRates #HousingMarketUpdate #EconomicTrends #BondMarket #HomebuyingTips

Young Adults Are Losing Faith in Homeownership as Affordability Breaks Down

New research shows a dramatic shift in how young adults view homeownership—and the findings reveal one of the sharpest generational divides in decades. A study from Northwestern University and the University of Chicago shows that adults born in the 1990s are on track to have a homeownership rate almost 10 percentage points lower than their parents by retirement age. For many, the dream of owning a home has moved from difficult… to impossible.
 
The researchers found that this belief isn’t just changing attitudes—it’s changing behavior. Young adults who think buying a home is out of reach are working less, saving less, and spending more on short-term enjoyment. They’re also taking on riskier investments like crypto and high-volatility stocks. Meanwhile, young adults who still believe homeownership is possible tend to work harder, save more, and make more cautious financial decisions. Over time, these differences create massive gaps in long-term wealth.
 
As Financial Times reporter John Burn-Murdoch explains, Gen Z isn’t lazy or unmotivated—they’re responding rationally to an economy where traditional milestones feel unattainable. Past generations worked hard because hard work led to something: stability, equity, and eventually a home. But with high prices and high mortgage rates, many young adults feel that no amount of effort will get them there.
 
This has led to what some economists call “financial nihilism.” If homeownership is out of reach, the logic goes, why grind harder at work? Why sacrifice today for a reward that may never come?
 
This shift matters far beyond individual households. If millions never buy homes, long-term wealth inequality will grow. Employers may struggle with lower motivation and job commitment. Spending patterns will shift toward short-term pleasure and speculative investing. And America could see the rise of the first generation of lifelong renters in a century.
 
The study suggests that financial education is more important than ever—especially for those who may never buy a home. Young adults will need new strategies for building wealth, managing risk, and securing long-term financial stability.
 
As Burn-Murdoch puts it: “Young people are simply playing the hand they were dealt. Their choices aren’t a rejection of responsibility—they’re a response to a changing economic reality.”
 
🔍 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/young-adults-are-giving-up-on-homeownership-as-affordability-crisis-deepens/
#GenZFinance #HousingCrisis #HomeownershipGap #FinancialNihilism #EconomicTrends

New Home Price & Construction Trends Reshape Buyer Decisions and Existing Home Sales in 2025

Fresh data from Realtor.com shows that 2025 has been a tough year for the housing market, especially for new construction. A cooler labor market, higher material costs from tariffs, and ongoing worker shortages have slowed builder activity. But even with these challenges, new homes are still offering an unexpected affordability advantage that’s shaping buyer behavior.
 
After peaking in 2022, new-home prices have leveled off. In Q3 2025, the median new-construction price rose just 0.2% year-over-year to $451,337 — still below the 2022 peak. Meanwhile, existing-home prices continue to climb, reaching $409,667, up 1.6% from last year. Because new homes are typically larger, new builds have actually become cheaper per square foot than existing homes in many markets.
 
But the national averages hide major regional differences. In the Midwest and Northeast, new homes remain much pricier because so few are available. In the South and West, where most new construction happens, competition among builders keeps costs far more manageable.
 
Inventory trends tell a similar story. New construction helped rebuild supply after the pandemic shortage, but its share of total listings dropped to 16.7% in Q3 as more existing-home sellers returned to the market.
 
One of the biggest shifts this year is the shrinking new-home premium — now just 10.2% nationally, the lowest on record for a third quarter. In the South and West, that premium is even smaller, and in some markets, new builds are effectively cheaper than older homes once incentives are factored in.
 
And those incentives matter. Builders are offering aggressive financing perks — rate buydowns, closing cost help, and below-market mortgage rates. That’s created a major rate gap: new-home buyers averaged a 5.27% mortgage rate in Q3, compared with 6.26% for existing-home buyers. It’s one of the widest spreads since 2006.
 
Affordability pressures have also changed down-payment patterns. New-home buyers used to put more cash down, but now their average down payment is lower than existing-home buyers — 15.7% compared with 17.8%.
 
As 2026 approaches, new construction continues to play a crucial role in overall market stability. Builders are helping ease affordability issues, especially in the South and West, but the market remains deeply divided by region. These differences will continue shaping buyer decisions, pricing, and inventory trends into the next year.
 
🔍 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/new-home-prices-fall-as-construction-trends-shift-buyer-demand-in-2025/
#HousingMarket2025 #NewConstructioTrends #RealEstateUpdate #HomePrices #MarketInsights