The Nadlan Group Real Estate Podcast

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👇
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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👇
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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👇
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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

U S Home Prices Keep Climbing Slowly as Housing Market Levels Off

U.S. home prices continued their slow climb in October, rising 0.3% month over month according to Redfin’s latest Home Price Index. That’s slightly higher than September’s 0.2% gain and reinforces a pattern we’ve seen throughout 2025: steady, modest price growth rather than any major acceleration. On a yearly basis, prices were up 2.9%, a slight cooldown from September’s 3.1% increase and part of a broader moderation trend that began earlier this year after annual gains regularly topped 5%.
 
What’s driving today’s price growth isn’t stronger demand — it’s shrinking supply. Earlier this year, inventory surged and helped cool the market. But in recent months, new listings have pulled back as homeowners hold onto their low mortgage rates. With fewer people willing to sell unless they absolutely have to, supply has tightened just enough to keep prices hovering upward, even as buyer demand remains soft.
 
Redfin’s Head of Economic Research, Chen Zhao, describes the current market as “moving sideways.” Buyers face high borrowing costs and fewer appealing options. Sellers, meanwhile, are only entering the market when life changes force their hand. The result is a steady but subdued environment, with neither side feeling strong motivation to make big moves.
 
One sign of stabilization is that fewer major metros are seeing price declines. In October, 14 out of the 50 largest metros posted year-over-year declines — down from 20 metros in September and 30 in August. This marks the third straight month of improvement after a summer slowdown that peaked in July.
 
The regional picture remains mixed. San Francisco, Chicago, and West Palm Beach posted the largest monthly price gains, while Fort Lauderdale, Philadelphia, and Dallas saw declines. On an annual basis, Cleveland, Chicago, and Milwaukee continue to lead in price growth, while Tampa, Austin, and Dallas show the steepest declines — a reversal for many Sun Belt markets that soared during the pandemic boom.
 
Overall, the data points to a housing market that is settling into balance. Prices aren’t surging, but they aren’t falling broadly either. Limited supply continues to support values, while high mortgage rates and economic uncertainty hold demand in check. As we move toward 2026, the trend appears to be slow, steady growth with wide regional variation — and a market gradually finding its footing. 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/u-s-home-prices-continued-their-slow-steady-rise-this-fall/
#FederalReserve #InterestRates #EconomyUpdate #Inflation #HousingMarket

Labor Market Weakness Set to Shape This Week’s Expected Fed Rate Cut

The Federal Reserve meets this Wednesday, and analysts expect another interest rate cut — but this decision comes at one of the most complicated economic moments in years. Inflation is still running above target, the labor market is weakening, and policymakers lack key data due to the government shutdown. That combination is creating unusually high uncertainty around this week’s announcement.
 
Most economists predict a 25-basis-point cut, marking the Fed’s third straight reduction. But expectations have been volatile. Just a few weeks ago, the odds of a cut plunged to 30% before rebounding to nearly 87% as new signs of labor market stress emerged. That shift reflects how divided the data — and the Fed — have become.
 
Minutes from the November meeting show some officials worried that cutting too soon could stall progress on inflation. Others argued that weakening employment makes additional support necessary. And the job market is indeed showing strain. Announced layoffs have surged to 1.17 million so far this year — the most since the pandemic — and ADP reported 32,000 private-sector job losses in November, driven mostly by small businesses.
 
At the same time, inflation remains stubborn. The Fed’s preferred gauge, the PCE index, is still stuck near 2.8% to 2.9%, well above the 2% target. With shutdown delays holding back October and November job data, policymakers must make a major rate decision without the full picture.
 
Economists say the Fed faces three big questions: how long tariff-driven inflation will persist, how weak the labor market truly is, and whether rates are already close to neutral. Most expect a cut — but also expect dissent from officials on both sides of the debate.
 
This week also brings a new Summary of Economic Projections, which may show a slightly higher unemployment forecast for 2025 and little change in the Fed’s expected path for rate cuts in 2026. Even with policy easing, mortgage rates are likely to drift down slowly, not sharply, staying in the low-6% range.
 
Still, affordability is improving. Slower home-price growth, rising incomes, and lower rates are helping buyers regain some purchasing power.
 
Wednesday’s decision — along with the updated projections and Chair Powell’s comments — will offer the clearest signal yet of how the Fed plans to navigate a weakening labor market and inflation that refuses to fade.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/labor-concerns-likely-to-heavily-influence-this-weeks-fed-cut-decision/
#FederalReserve #InterestRates #EconomyUpdate #Inflation #HousingMarket

Are Mortgage Rates About to Shift as the Fed Prepares for a Key Decision

Mortgage rates have been steady for months, but that calm may be about to break. All eyes are on the Federal Reserve’s December 10 meeting, which could be the most important rate decision in more than a year. For the first time since mid-2024, a rate cut is not guaranteed — and that uncertainty is already shaping market expectations.
 
According to Fed Funds Futures, investors see an 85% chance of a cut next week. Normally, confidence would be above 95% by now. That gap matters, because it means the market could still be surprised.
 
But here’s what many borrowers don’t realize: even if the Fed does cut rates, mortgage rates may not fall. Mortgage rates are driven by the bond market, which focuses on long-term economic expectations, not just the Fed’s short-term rate moves.
 
One of the biggest drivers this week will be the Fed’s dot plot, the chart that shows where each Fed official thinks rates should go over the next few years. It is released only four times per year — and often has more influence than the rate decision itself.
 
That means we could see something counterintuitive: the Fed cuts rates… yet mortgage rates rise. If the dot plot suggests fewer rate cuts in 2026, the bond market could react by pushing yields higher immediately.
 
Fed Chair Jerome Powell’s press conference adds another layer of uncertainty. Thirty minutes after the announcement, Powell will speak — and his tone can move markets dramatically. If he signals a slower path for future cuts, mortgage rates could rise, even if the Fed just eased policy. But if his comments lean dovish, rates could drift lower.
 
Meanwhile, another major piece of the puzzle is missing: the October jobs report. Because of the government shutdown, it was never completed and won’t be released until December 16 — along with November’s report. Without this key labor data, traders are hesitant to make big moves.
 
The one early signal we will get is Tuesday’s Job Openings report. Thanks to the unusual reporting schedule, it will be the first meaningful look at October labor conditions — and could move the bond market before the Fed meeting even begins.
 
Put it all together, and mortgage rates may be nearing the end of their months-long sideways pattern. Between the Fed decision, the dot plot, Powell’s comments, the job openings data, and the delayed employment reports, the next week could bring the biggest rate volatility we’ve seen in months. For now, rates remain near the lowest levels in almost a year — but the quiet may not last. 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/are-mortgage-rates-about-to-move-because-of-the-fed/
#HousingMarket2025 #StarterHomes #RealEstateTrends #HomeBuying #MarketUpdate

Treasury Secretary Bessent Predicts 3% GDP Growth and Strong Holiday Spending to Close 2025

Treasury Secretary Scott Bessent says the U.S. economy is on track to finish 2025 much stronger than many expected. In a recent interview on CBS News’ Face the Nation, Bessent highlighted robust holiday shopping, steady economic momentum, and improving growth data as signs that the year will close with about 3% real GDP growth.
 
Bessent emphasized that the economy outperformed earlier concerns, noting that the U.S. even saw 4% growth in multiple quarters. Despite the disruptions from the Schumer shutdown, he said, the overall direction remains positive. After a weak first quarter—when GDP fell 0.6%—the economy rebounded sharply in Q2 with 3.8% growth. And projections from the Atlanta Federal Reserve now show Q3 tracking at about 3.5% annualized. Updated numbers from the Bureau of Economic Analysis are due on December 23, but early data supports the optimistic outlook.
 
Still, many Americans don’t feel that strength. Consumer sentiment remains far below last year’s levels. The University of Michigan’s December reading came in at 53.3—up slightly from November but still 28% lower than a year ago. Households continue to struggle with higher prices, especially for essentials like groceries, which climbed just over 3% year-over-year. Inflation overall was up 3% in September, according to recently released government data.
 
That disconnect has intensified political debate. President Donald Trump recently dismissed affordability concerns as a “Democrat scam,” arguing that critics are exaggerating household financial pressure. But polls tell a different story: an NBC News survey found that two-thirds of voters believe the administration is falling short on managing the economy and cost of living.
 
When asked about the president’s remarks, Bessent said Americans may not fully appreciate how strong the economy actually is. He argued that the administration inherited major inflation challenges and blamed earlier policies—particularly around energy—for creating scarcity that fueled today’s affordability issues. Looking ahead, Bessent predicts a shift toward “prosperity” in 2026.
 
For now, the holiday season is offering a bright spot. Bessent said consumer spending has been “very strong,” helping reinforce the picture of an economy that, while facing real challenges, continues to show resilience as it heads 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/starter-home-sales-tick-up-as-housing-supply-hits-near-decade-high/
#HousingMarket2025 #StarterHomes #RealEstateTrends #HomeBuying #MarketUpdate