The Nadlan Group Real Estate Podcast

Mortgage Rates End 2025 on a Calm Note

Mortgage rates wrapped up the final week of 2025 with very little movement, bringing a quiet close to a year filled with sharp swings and long stretches of uncertainty. While a weekly survey from Freddie Mac suggested rates are at their lowest point since October 2024, daily pricing tells a more measured story.
 
In reality, there were a few days earlier this year—most notably in mid-September and late October—when rates dipped slightly lower than where they stand now. That context matters. What stands out most at the end of the year isn’t a new low, but consistency. Today’s rates are nearly identical to yesterday’s and last Friday’s levels, showing that the market has settled into a very narrow range.
 
The key takeaway from this final week is stability. Despite some positive headlines, there has been no meaningful upward or downward momentum. That’s not a sign of strong confidence in either direction—it’s a sign of low activity.
 
Holiday schedules are a big reason why. The bond market, which directly influences mortgage rates, closed early today and will remain fully closed tomorrow. With many traders already out for the holidays, trading volume is thin, and thin markets tend to drift sideways rather than make bold moves.
 
Looking ahead, that calm is unlikely to last forever. Once 2026 begins, traders will return, and the economic calendar will fill back up with reports on jobs, inflation, and growth. Those data points are what typically give mortgage rates clearer direction.
 
For now, lenders and borrowers are entering the new year with rates holding steady and major questions pushed into January. After a year of volatility, 2025 ends not with a spike or a drop—but with quiet consistency.
 
For direct financing consultations or mortgage options for you visit Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable 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/2026/01/mortgage-rates-end-2025-on-a-calm-note/
#MortgageRates #HousingMarket #InterestRates #Homebuying #RealEstate2026

Mark Zandi Predicts Three Fed Rate Cuts in Early 2026 as Jobs Weaken

A faster pace of interest rate cuts could be coming in 2026, according to Mark Zandi, chief economist at Moody’s Analytics. Zandi believes the Federal Reserve may surprise markets by cutting rates sooner and more aggressively than most investors expect.
 
In Zandi’s view, the biggest trigger will be a weakening labor market. He expects job growth to slow further as businesses remain cautious about hiring. Companies are still waiting for clarity around trade policy, immigration rules, and broader economic direction. As long as that uncertainty persists, hiring is likely to stay soft.
 
If unemployment continues to rise, Zandi argues the Federal Reserve will be forced to act. He believes the Fed could deliver as many as three quarter-point rate cuts in the first half of 2026 alone—much faster than current forecasts suggest.
 
That outlook is more aggressive than what markets are pricing in. Data tracked by CME FedWatch shows investors expecting only two rate cuts next year, with the first one likely coming in the spring and another later in the year. Fed officials themselves have been even more cautious, signaling just one cut in their most recent projections.
 
Zandi also points to political pressure as a factor that could speed things up. Former President Donald Trump has been vocal about pushing for lower interest rates, and leadership changes at the Fed in 2026 could increase scrutiny on policy decisions. With economic growth and employment likely to be major political issues, Zandi believes the Fed may face stronger pressure to support the economy.
 
If his forecast proves correct, earlier rate cuts could bring relief to borrowers. Mortgage rates, business loans, and variable-rate debt could all benefit, potentially helping revive housing activity and business investment after a slow period.
 
Still, the outlook remains uncertain. Inflation data, job reports, and global events will ultimately determine how quickly the Fed moves.
 
For now, Zandi’s view serves as a reminder that 2026 may bring sharper policy shifts than many expect—especially if the labor market continues to lose momentum.
 
For direct financing consultations or mortgage options for you visit  Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable 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/2026/01/mark-zandi-predicts-three-fed-rate-cuts-in-early-2026-as-jobs-weaken/
#HousingMarket #HomePrices #RealEstateTrends #MortgageRates #HousingOutlook

U S Home Prices Rise Again in November as 2026 Outlook Points to More Gains

U.S. home prices moved higher again in November, even though many buyers are still sitting on the sidelines.
 
New data from Redfin shows that the median home-sale price rose 2.3% over a four-week period ending in mid-November. That’s the biggest price increase in seven months, and it comes at a time when buyer demand remains soft.
 
At first glance, rising prices and weak demand may seem like a contradiction. But the explanation is simple: inventory continues to shrink in many areas. With fewer homes available, prices are finding support even when buyers hesitate.
 
The good news for buyers is that price growth is still slower than wage gains and overall inflation. That has helped ease affordability pressure compared with the past few years, even if conditions remain challenging.
 
At the same time, demand is clearly cooling. Pending home sales fell nearly 1% from a year earlier, marking the largest decline in four months. Economic uncertainty, elevated housing costs, and mortgage rates that have started edging higher again are keeping many buyers cautious.
 
Homes are also taking longer to sell. The typical home now goes under contract in about 49 days, the slowest pace for this point in the year since 2019. Fewer buyers are competing, and sellers are waiting longer for offers.
 
Price trends, however, are far from uniform. In fact, prices fell in 18 of the 50 largest metro areas—the highest number of declines in more than two years. Markets like Fort Worth, Dallas, Jacksonville, Miami, and Seattle all posted year-over-year price drops, showing that some formerly strong regions are clearly cooling.
 
For buyers, that unevenness matters. In slower markets, sellers who need to move may be more open to negotiation. Buyers who are flexible on location and timing may still find opportunities, even as national prices rise.
 
Looking ahead to 2026, most housing experts expect prices to keep rising overall, but at a modest pace. Lower-cost metros may continue to attract buyers searching for affordability, while higher-cost cities could see flat or slightly lower prices before stabilizing.
 
The bottom line is this: the housing market is still adjusting. Prices are moving higher again, but demand remains uneven and local conditions matter more than ever. For both buyers and sellers, understanding what’s happening in their specific market will be key in the year ahead.
 
For direct financing consultations or mortgage options for you visit  Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable 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/2026/01/u-s-home-prices-rise-again-in-november-as-2026-outlook-points-to-more-gains/
#HousingMarket #HomePrices #RealEstateTrends #MortgageRates #HousingOutlook

Home Sellers Pull Listings at Record Pace as Affordability Strains Deepen

Homeowners across the U.S. are increasingly choosing to step back from the housing market rather than lower their asking prices, and new data shows just how widespread that trend has become.
 
According to Realtor.com, seller delistings surged this fall as affordability pressures collided with weak buyer demand. In October, delistings jumped nearly 38% compared with a year earlier. For all of 2025 so far, withdrawn listings are up about 45 percent—the fastest pace since this data has been tracked.
 
Since June, roughly 6% of all active listings nationwide have been pulled from the market each month. That’s unusually high for non-winter months, when sellers typically stay put and wait for buyers.
 
A Market Stuck in the Middle
 
Jake Krimmel, a senior economist at Realtor.com, describes today’s housing market as a standoff. Buyers remain cautious due to high mortgage rates and economic uncertainty, while sellers are holding firm on price.
 
Instead of cutting prices, many homeowners are choosing to remove their listings altogether. While that may protect their expectations, it also tightens inventory and keeps prices from adjusting, leaving the market stuck.
 
An Early Warning Sign
 
What stands out in 2025 is how early this trend began. Delistings usually rise closer to winter, but this year the spike started months sooner. Compared with last year, delistings were already up sharply in June and July—months that normally see strong buyer activity.
 
Higher borrowing costs, softer confidence, and mixed economic signals left many homes sitting longer, with fewer offers coming in.
 
Boomtowns See the Biggest Pullback
 
Former pandemic hot spots are feeling the most pressure. In cities like Miami, Denver, and Houston, a large share of sellers are pulling listings instead of negotiating. In Miami, for example, nearly 45 homes were delisted for every 100 new listings added.
 
Rising insurance costs, higher property taxes, and slower demand are all weighing on these markets. Even so, many sellers appear unwilling to adjust prices, choosing to wait instead.
 
What Happens Next
 
Experts expect delistings to remain elevated through the winter. A real shift may not come until buyers feel more confident—whether through lower mortgage rates, steadier economic conditions, or clearer policy direction.
 
Until expectations reset on both sides, many sellers seem content to step back rather than budge, keeping the housing market in a prolonged holding pattern as 2026 approaches.
 
For direct financing consultations or mortgage options for you visit  Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable 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/2026/01/home-sellers-pull-listings-at-record-pace-as-affordability-strains-deepen/
#HousingMarket #RealEstateNews #HomeSellers #MortgageRates #HousingTrends

Mortgage Rates Hold Near Recent Lows With Tiny Uptick

Mortgage rates barely moved on Tuesday, staying locked inside one of the tightest ranges we’ve seen in years. The average rate rose by just one one-hundredth of a percent—so small that most borrowers wouldn’t feel any difference in their monthly payment.
 
Even with that tiny uptick, today still counts as one of the strongest rate days of 2025. Yesterday marked the sixth-lowest average rate of the year, and today is essentially tied for seventh. In simple terms, mortgage rates remain very close to their best levels in several years.
 
So why aren’t rates going anywhere?
 
Mortgage rates follow the bond market, and while markets are technically open, this week falls into a quiet stretch on the calendar. Trading volume is light, and many investors are still easing back in after the holidays. When fewer traders are active, markets tend to move sideways. Small changes can happen without a clear reason, but big or lasting moves are unlikely.
That calm probably won’t last much longer.
 
As the new year gets underway, traders will return in full force and the economic calendar will pick back up. Reports on jobs, inflation, and economic growth usually bring more action to the bond market—and that’s when mortgage rates tend to move more clearly. Bigger changes are more likely by late next week, once markets return to a normal rhythm.
 
The bottom line: rates edged up by the smallest amount possible, but they’re still near the best levels seen in years. For now, mortgage rates are stuck in a narrow range. Clear direction will likely have to wait until early January.
 
For direct financing consultations or mortgage options for you visit  Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable 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/mortgage-rates-hold-near-recent-lows-with-tiny-uptick/
#MortgageRates #HousingMarket #InterestRates #HomeBuyers #RealEstateNews

Home Prices Ease, but Down Payments Still Block Many Buyers

Homebuyers are finally starting to feel some relief after years of pressure. Mortgage rates are lower, home prices have cooled, and there are more homes for sale than a year ago. Together, these shifts are slowly improving affordability. But for many buyers, especially first-time buyers, one major obstacle still stands in the way: saving enough for a down payment.
 
Across the country, home prices are stabilizing. Recent data shows prices are almost flat compared with last year, rising only slightly overall. Some cities like Chicago, New York, and Cleveland are still seeing gains, while others such as Tampa, Phoenix, and Dallas have seen prices move lower. The key point is that home prices are now rising more slowly than inflation, which means homes are becoming a bit cheaper in real terms.
 
Mortgage rates are also playing a big role. The average 30-year fixed rate has dropped to just over six percent, down from above seven percent earlier this year. That decline can mean real savings. On a typical home purchase, monthly payments today can be around two hundred dollars less than they were a year ago, giving buyers more breathing room in their budgets.
 
Even so, the down payment remains the toughest challenge. According to Realtor.com, the typical buyer still needs about seven years to save for a down payment. That’s a big improvement from the peak in 2022, but it’s still roughly double what was common before the pandemic. As a result, the national homeownership rate has slipped to its lowest level since 2019.
 
There is encouraging news on supply. Active listings are up about twelve percent from a year ago, giving buyers more options. That increase is starting to show results. Pending home sales recently reached their highest level in nearly three years, based on data from the National Association of Realtors.
 
As chief economist Lawrence Yun explains, lower mortgage rates, steady wage growth, and more inventory are helping buyers test the market again.
 
The bottom line is this: affordability is improving, but slowly. Monthly payments are more manageable, and buyers have more choices. Still, until saving for a down payment becomes easier, many households will remain on the sidelines, even as the housing market continues to heal.
 
For direct financing consultations or mortgage options for you visit  Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable 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/home-prices-ease-but-down-payments-still-block-many-buyers/
#HousingMarket #HomeAffordability #FirstTimeBuyersv#MortgageRates #RealEstateNews

Mortgage Rate Outlook for 2026 What Forecasts Really Say

Many buyers hoping to enter the housing market are asking the same question: will 2026 finally bring real relief on mortgage rates? The short answer is yes—maybe a little—but expectations need to stay realistic.
 
According to a report from Investopedia, most forecasts for 2026 point to only modest improvement. Instead of a sharp drop, mortgage rates are expected to hover mostly in the low six percent range. Even if the Federal Reserve moves forward with rate cuts, mortgage rates may not follow in a straight line.
 
Mortgage rates are hard to predict because they depend on many moving parts. Inflation, job growth, housing demand, and the bond market all play major roles. While the Fed controls short-term rates, mortgage rates are tied more closely to long-term Treasury yields. That’s why rates can sometimes rise even after the Fed cuts interest rates—markets may already have priced those changes in, or inflation worries may push rates higher.
 
Looking across forecasts from major housing and lending groups, the message is consistent. Projections from lenders, economists, and housing organizations all cluster around the same idea: rates in 2026 are likely to stay fairly stable, mostly in the lower six percent range. None of the outlooks suggest a return to the ultra-low rates buyers saw earlier in the decade.
 
One common mistake buyers make is waiting on the Fed. Rate cuts don’t guarantee cheaper mortgages, and in some past cycles, mortgage rates actually increased after Fed cuts due to bond market reactions.
 
There’s also a risk of waiting too long. Even small rate declines could bring more buyers back into the market, increasing competition. More competition can mean fewer concessions, higher prices, and lost opportunities.
 
The practical takeaway is simple. Instead of trying to time the market perfectly, buyers should focus on readiness—steady income, manageable debt, and finding a home that fits their needs and budget. If the right home comes along and the payment works, waiting for a “perfect” rate that may never arrive could end up costing more in the long run.
 
Bottom line: 2026 may bring some rate relief, but it’s likely to be limited. Preparation and flexibility will matter far more than chasing headlines.
 
For direct financing consultations or mortgage options for you visit  Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable 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/mortgage-rate-outlook-for-2026-what-forecasts-really-say/
#MortgageRates #HousingMarket2026 #HomeBuyers #RealEstateOutlook #InterestRates

Homebuyer Affordability Improves, but the Down Payment Gap Still Hurts

Homebuyers are finally starting to feel some relief after years of high costs and tough competition. Mortgage rates are lower, home prices have cooled, and more homes are coming onto the market. Together, these changes are pushing affordability in the right direction. But for many buyers, one major hurdle is still standing in the way: saving enough cash for a down payment.
 
Recent data shows that while buying conditions are clearly better than they were a year or two ago, first-time buyers are still struggling with upfront costs. Even when monthly payments look more manageable, coming up with the cash to get through the door remains difficult.
 
Home prices, on a national level, have been mostly flat. After years of rapid growth, prices are now barely higher than last year, and in some cities, they’re even lower. This slowdown has given buyers more room to negotiate, especially in markets that saw big price jumps during the pandemic. In real terms, once inflation is taken into account, home values have actually slipped slightly over the past year. That’s a quiet but meaningful improvement for affordability.
 
Mortgage rates are also helping. The average 30-year fixed rate has dropped to just over six percent, down from well above seven percent earlier this year. For many buyers, that change can mean hundreds of dollars less each month, making the idea of buying feel possible again.
 
Still, the biggest challenge hasn’t gone away. Saving for a down payment takes time. Today, the typical buyer needs around seven years to save enough, which is better than the peak seen in 2022, but still far longer than before the pandemic. Higher everyday costs and lower savings rates are slowing progress for many households.
 
The good news is that more homes are available. Active listings are up compared to last year, and that increase is starting to pull buyers back into the market. Pending home sales have reached their strongest level in nearly three years, a sign that interest is returning as conditions improve.
 
The bottom line is this: buying a home is easier than it was at the height of the affordability crunch, but it’s not easy yet. Monthly costs are improving, prices are calmer, and choices are expanding. Until saving for a down payment becomes more achievable, though, many buyers will still be waiting on the sidelines as the market moves into 2026.
 
For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable 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/homebuyer-affordability-improves-but-the-down-payment-gap-still-hurts/
#HousingMarket #HomeBuying #MortgageRates #FirstTimeBuyers #RealEstate2026

Mortgage Rates Slip to Fresh 2 Month Lows as Holiday Quiet Continues

Mortgage rates edged just low enough on Monday to reach a new two-month low, even though the broader rate market stayed calm. With another holiday closure ahead and very little economic data on the calendar, trading activity remained light and largely directionless.
 
For most lenders, rates were nearly unchanged from last Friday. Still, a very small shift was enough to move the widely watched 30-year fixed mortgage rate index down by about one one-hundredth of a percent. While that may sound minor, it was enough to mark the lowest level since October 28.
 
Rates are now sitting just below the lows reached in late November. In fact, there were only a few days in November—and just one day back in September—when rates moved any lower. To find clearly better levels, you’d have to go back more than a year.
 
For direct financing consultations or mortgage options for you visit Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable 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/mortgage-rates-slip-to-fresh-2-month-lows-as-holiday-quiet-continues/
#MortgageRates #HousingMarket #InterestRates #HomeBuying #MarketUpdate

Commercial Real Estate Outlook for 2026 Stability, Selective Growth, and Cautious Optimism

After a slower-than-expected economy in 2025, the commercial real estate market is heading into 2026 with a very different mindset. This is not a year about big rebounds or fast growth. Instead, it’s about balance, adjustment, and selective recovery.
Higher unemployment, tighter labor conditions, and rising construction costs weighed on development last year. At the same time, easing interest rates and improving investor confidence are creating a more stable foundation. Most experts agree that 2026 won’t be a breakout year, but it could reward investors who stay patient and focus on fundamentals.
Across the market, conditions are settling into what many call a new normal. Price swings are smaller, expectations are more realistic, and visibility is improving. Investors are returning, but with discipline. Capital is flowing again, though deals are more selective and focused on assets with stable income and clear demand.
Capital markets are showing clearer signs of life. Deal volume is rising, lending is slowly opening back up, and risk appetite is improving. This is helping activity pick up, especially in sectors where supply and demand are coming back into balance.
The office sector appears to be bottoming out. Vacancy rates are no longer rising as fast, and demand is strongest for newer, higher-quality buildings that support hybrid work. New office construction remains limited, which helps stabilize the market.
Industrial real estate is benefiting from a pullback in new supply. Demand tied to logistics, manufacturing, and data centers is expected to support stronger absorption in 2026. Retail continues to evolve, with more focus on smaller spaces and mixed-use locations rather than large standalone stores.
Multifamily remains a core investment sector, but rent growth has cooled due to recent supply. Data centers are still in high demand, though growth is constrained by power, zoning, and financing challenges.
Overall, 2026 looks like a year of steadier ground. Commercial real estate is no longer in crisis mode, but it’s not racing ahead either. For investors who focus on strong assets, realistic pricing, and long-term demand, this calmer phase may offer some of the best opportunities yet.
For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable 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/commercial-real-estate-outlook-for-2026-stability-selective-growth-and-cautious-optimism/
#CommercialRealEstate #CREOutlook #RealEstateTrends #MarketUpdate #Investing2026