The Nadlan Group Real Estate Podcast

Understanding Rehab-to-Perm Loans: A Smart Solution for Real Estate Investors

Rehab-to-Perm (R2P) loans offer a streamlined way for real estate investors to buy, renovate, and hold rental properties using one continuous financing structure. Instead of managing separate short-term rehab and long-term mortgage loans, investors can fund the entire process — from purchase to renovation to permanent financing — with a single closing.
During the construction phase, funds are advanced for purchase and rehab, with interest-only payments at around 12% and disbursements made after lender inspections. Once renovations are complete, the loan automatically converts to a 30-year fixed-rate mortgage — in this example, at 8.5% — eliminating the need to refinance later.
This dual-phase structure provides major advantages: one closing, predictable long-term rates, reduced qualification risk, and smoother transition from rehab to rental income. Typical costs include a 2.75% origination fee, $650 processing fees, and construction interest escrow.
Investors prefer Rehab-to-Perm loans for their efficiency, lower risk, and stable long-term financing, making them a smart choice for those building rental portfolios. By combining acquisition, renovation, and permanent funding into one process, investors can focus on property performance instead of managing multiple loans.
🔍 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/creative-financing-nadlan-capital-financing-for-foreign-nationals-americans
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https://www.forumnadlanusa.com/2025/10/understanding-rehab-to-perm-loans-a-smart-solution-for-real-estate-investors/
#RealEstateInvesting #RehabToPerm #NadlanCapitalGroup #PropertyRenovation #RentalIncome
 

Report Warns Tens of Thousands of NYC Affordable Homes Could Lose Protections by 2037

A new Association for Neighborhood & Housing Development (ANHD) report warns that tens of thousands of New York City’s affordable housing units could lose protections by 2037, threatening the city’s already strained housing market. The study, “Preserving the Foundation,” reveals that of roughly 300,000 affordable homes created between 1987 and 2007, about 170,000 (72%) are at risk as their subsidies and affordability agreements expire over the next decade.
ANHD calls this a “slow-motion crisis”, with affordability losses accelerating since 2017 and peaking in 2020 when nearly 19,000 units expired. Fewer than 1% of subsidized units from that era were built with permanent affordability, meaning most are only protected for 30–40 years before landlords can raise rents or convert to market-rate housing.
The group urges city and state officials to adopt a permanent affordability model, strengthen preservation funding, and offer incentives to renew expiring covenants. Without intervention, ANHD warns, the city could lose much of its affordable housing base—deepening inequality and displacement.
While focused on New York, the report underscores a national problem, as cities like Los Angeles, Chicago, and Boston face similar expirations from decades-old housing programs. “Preservation is just as critical as production,” said ANHD Executive Director Barika Williams. “If we don’t act now, we risk losing the foundation of affordability that has sustained our communities for generations.”
 
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https://www.forumnadlanusa.com/2025/10/report-warns-tens-of-thousands-of-nyc-affordable-homes-could-lose-protections-by-2037/
 
#AffordableHousing #NYCHousingCrisis #ANHD #HousingPolicy #UrbanDevelopment
 

Nadlan Capital Group Best Cash Out Refinance Mortgage Lenders of 2025

In 2025, Nadlan Capital Group highlights the top cash-out refinance mortgage lenders, helping homeowners tap into their home equity for renovations, debt consolidation, education costs, or other financial goals. A cash-out refinance replaces your existing mortgage with a larger one, giving you the difference in cash while maintaining one monthly payment. This option often offers lower interest rates than credit cards or personal loans, simplifying payments and potentially providing tax-deductible benefits for home improvements.
The benefits include accessing a lump sum of cash, consolidating high-interest debt, and improving long-term financial stability. However, since your home serves as collateral, borrowers must ensure they can manage repayments responsibly.
Nadlan Capital Group categorizes cash-out refinance lenders into five main types:
Traditional banks – offer stability and in-person service.
Credit unions – provide lower rates and member-focused lending.
Online lenders – deliver convenience and faster processing.
Mortgage brokers – compare multiple lenders for the best deal.
Private lenders – flexible options for nontraditional borrowers.
Ultimately, choosing the right lender depends on your goals, credit profile, and comfort level with each institution’s process. Nadlan emphasizes comparing rates, understanding terms, and consulting financial experts before deciding.
🔍 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/
 
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#CashOutRefinance #MortgageRates #HomeEquity #NadlanCapitalGroup #FinancialPlanning
 

Existing Home Sales Tick Up in September, But Housing Market Still Stuck in Neutral

Existing-home sales edged 1.5% higher in September to an annual rate of 4.06 million units, marking the strongest pace in seven months as slightly lower mortgage rates helped draw some buyers back. According to the National Association of Realtors (NAR), sales are up 4.1% year-over-year but remain far below pre-pandemic norms, reflecting a market still constrained by limited inventory and stubbornly high prices.
NAR Chief Economist Lawrence Yun noted that affordability is improving modestly as rates ease, yet many homeowners remain unwilling to sell low-rate mortgages from prior years. Inventory rose to 1.55 million homes, a 14% increase from last year, representing a 4.6-month supply—still shy of a balanced level. The median home price climbed 2.1% to $415,200, the 27th straight annual gain, underscoring the ongoing supply-demand imbalance.
Regionally, the West led with a 5.5% sales jump, while the Midwest slipped 2.1%. First-time buyers made up 30% of sales, suggesting improving entry-level participation, while cash transactions held steady at 30%.
Mortgage rates have fallen below 6.2%, providing some breathing room for buyers, but affordability remains tight as prices stay more than 50% above pre-pandemic levels. Economists expect gradual gains ahead, contingent on further rate cuts and easing inflation.
As one analyst summarized, “The market is thawing—but not yet warming.”
🔍 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/2025/10/existing-home-sales-tick-up-in-september-but-housing-market-still-stuck-in-neutral/
#HousingMarket #HomeSales #RealEstate #MortgageRates #Affordability
 

Single Family Rent Growth Falls to 15 Year Low as New Supply Eases Pressure on Tenants

Rent growth for single-family homes has slowed to its weakest pace in 15 years, signaling that the once overheated rental market is finally cooling. According to Cotality, rents rose just 1.4% year-over-year in August, down from 2.3% in July and well below the 3% average seen in 2024. The slowdown reflects a flood of new housing supply, easing demand pressures, and growing affordability challenges for tenants.
The cooling trend spans all price segments, though regional differences remain stark. Chicago, Los Angeles, Philadelphia, and Washington, D.C. still saw rent increases between 2.6% and 4.7%, while Dallas experienced a 0.6% decline—its weakest in the nation—due to a surge of new multifamily construction.
The apartment sector mirrors the shift: national apartment rents fell 0.8% in September, marking the fifth consecutive month of annual declines, while the vacancy rate rose to a record 7.1%, according to Apartment List. Despite this moderation, rents remain 22% higher than in early 2021, keeping affordability strained.
Experts say the trend represents a market normalization, not a collapse. With supply expanding, job growth slowing, and inflation cooling, rent growth is expected to stabilize near long-term averages. “The rental market is finding its footing again,” said economist Molly Boesel. “For renters, it’s long-overdue breathing room; for investors, it’s the end of the double-digit boom era.”
🔍 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/2025/10/single-family-rent-growth-falls-to-15-year-low-as-new-supply-eases-pressure-on-tenants/
#HousingMarket #RentGrowth #RealEstate #RentalTrends #AffordableHousing
 

Inflation Eases to 3% in September, Raising Odds of Another Fed Rate Cut

Inflation cooled more than expected in September, offering a welcome break for consumers and strengthening expectations that the Federal Reserve will cut interest rates again next week. The Consumer Price Index (CPI) rose 0.3% for the month and 3.0% year-over-year, both slightly below forecasts, while core CPI—which excludes food and energy—also increased just 0.2% monthly and 3.0% annually, signaling broader price stability.
Energy and food costs rose modestly, but major inflation drivers like shelter and used cars continued to ease. Shelter prices increased only 0.2%, the slowest pace in months, while used vehicle prices slipped 0.4%. Overall, the data suggest inflation is finally moderating toward the Fed’s 2% target, with housing and energy pressures beginning to fade.
Markets reacted positively: stocks climbed and Treasury yields fell, as investors saw the report as confirmation that inflation is stabilizing. Analysts now expect a 25-basis-point Fed rate cut, lowering the benchmark range to 3.75%–4.0%, with another reduction possible in December.
Economists say the data give the Fed more room to ease without risking a price spike, though risks remain from tariffs and energy volatility. As one strategist summarized, “We’re not out of the woods yet—but for the first time in months, there’s a clear path through the trees.”
🔍 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/2025/10/inflation-eases-to-3-in-september-raising-odds-of-another-fed-rate-cut/.
 
#Inflation #FederalReserve #InterestRates #CPI #Economy
 
#MortgageServicing #ArtificialIntelligence #FintechInnovation #Automation #CustomerExperience
 

How Artificial Intelligence Is Redefining the Future of Mortgage Servicing

Artificial intelligence (AI) is rapidly transforming mortgage servicing, evolving from a back-office tool into a powerful driver of efficiency, compliance, and customer engagement. Once considered futuristic, AI is now central to how servicers manage risk, reduce costs, and improve borrower experiences—and experts say the industry is only beginning to tap its full potential.
AI’s impact spans three main categories: Predictive AI, which forecasts borrower behavior and delinquency risks; Generative AI, which automates reports, communications, and regulatory updates; and Agentic AI, which can autonomously identify and correct errors in real time. These systems allow servicers to move from reactive problem-solving to proactive management—catching issues before they escalate and personalizing outreach at scale.
In practice, AI is driving tangible results. Lenders are deploying AI-powered chatbots capable of handling hundreds of borrower inquiries at once, cutting call center volume by nearly 400 calls a week and resolving over 70% of issues without human intervention. Meanwhile, predictive analytics help identify which customers are likely to refinance or default, enabling more targeted retention strategies and faster, fairer loss mitigation.
Behind the scenes, automation is reducing loan boarding times from days to hours, eliminating manual reporting errors, and improving compliance accuracy. However, success depends on two factors: data quality and human adoption. Poor data can derail even the best AI models, while empowering employees to see AI as a collaborative tool—not a threat—remains key to unlocking its benefits.
Looking ahead, the most competitive servicers will be those that treat AI as a strategic partner, blending technology with human judgment to create faster, smarter, and more empathetic servicing operations. As author Gagan Sharma puts it, “AI won’t replace relationships—it will strengthen them, giving us more time and insight to serve people better.”
🔍 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/2025/10/how-artificial-intelligence-is-redefining-the-future-of-mortgage-servicing/
#MortgageServicing #ArtificialIntelligence #FintechInnovation #Automation #CustomerExperience
 

Mortgage Rates Hold Steady, But Market Braces for Inflation Data

Mortgage rates held steady Thursday, remaining near their lowest levels in over a year, but markets are bracing for possible movement as key inflation data arrives Friday morning. Despite stable daily pricing, bond markets weakened slightly throughout the day—an early sign that upward rate pressure could be building.
Because most lenders locked in rates early, the bond pullback didn’t immediately affect borrowers. However, analysts warn that if bonds fail to rebound overnight, lenders may reprice higher tomorrow. The upcoming Consumer Price Index (CPI) report will likely determine the direction of that move.
Economists expect a 0.3% rise in core CPI and 0.4% in headline inflation. A hotter-than-expected reading could lift bond yields and mortgage rates, while a cooler print may trigger a modest rate drop.
So far, the market has enjoyed a rare stretch of calm, with mortgage rates hovering at mid-2024 lows thanks to steady demand for mortgage-backed securities. But as one strategist put it, “Lenders are walking into tomorrow without their usual buffer.”
The takeaway: rates remain historically attractive for now, but Friday’s inflation data could mark a turning point—either extending the relief for borrowers or snapping it abruptly if inflation proves stickier than expected.
🔍 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/2025/10/mortgage-rates-hold-steady-but-market-braces-for-inflation-data/
#MortgageRates #InflationData #CPI #HousingMarket #FederalReserve
 

Lower Mortgage Rates Lift Home Sales in September, But Prices Remain Stubbornly High

The U.S. housing market showed renewed strength in September as lower mortgage rates helped boost sales after months of sluggish activity, though home prices remain stubbornly high. According to the National Association of Realtors (NAR), existing home sales rose 1.5% month-over-month to a 4.06 million annual rate, the fastest pace in seven months and up 4.1% from last year. The South and Northeast led the year-over-year gains, while the West saw the biggest monthly improvement.
Falling rates have been the key catalyst, with the average 30-year fixed mortgage rate dropping from 6.67% in July to 6.17% in October, reducing monthly payments by $200–$300 for many buyers. Still, demand is strongest among higher-income and cash buyers, who made up nearly 30% of all transactions.
Inventory also improved modestly, rising 14% from a year earlier to 1.55 million homes, or a 4.6-month supply. However, tight supply continues to support prices—the median home price climbed 2.1% year-over-year to $415,200, marking the 27th consecutive month of gains. Luxury homes saw the largest sales growth, while affordable properties remained scarce.
Encouragingly, first-time buyers accounted for 30% of sales, up from 26% last year, as younger buyers returned with help from seller concessions and rate buydowns. Still, experts caution that the recovery is fragile and depends on how long rates stay low and whether the Federal Reserve maintains a stable policy path.
As NAR Chief Economist Lawrence Yun noted, “Lower rates are lifting home sales, but prices aren’t cooling. The market is stabilizing—but it’s far from balanced.”
🔍 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/2025/10/lower-mortgage-rates-lift-home-sales-in-september-but-prices-remain-stubbornly-high/
#HousingMarket #MortgageRates #HomeSales #Affordability #RealEstate
 

Housing Industry Leaders Push for Federal Action to Narrow Mortgage Rate Spread

Two major housing groups—the Community Home Lenders of America (CHLA) and the Independent Community Bankers of America (ICBA)—are urging federal action to fix what they call a structural problem in the mortgage market: the unusually wide gap between 30-year mortgage rates and 10-year Treasury yields, known as the “30/10 spread.”
Normally around 150 basis points, the spread has soared to over 220, keeping mortgage rates near 6.5% instead of a more reasonable 5.75%. The groups argue this distortion is hurting affordability, limiting access to credit, and slowing the broader housing market.
They’re calling on Fannie Mae and Freddie Mac to temporarily purchase up to $300 billion each in mortgage-backed securities (MBS) whenever the spread exceeds 170 basis points—acting as short-term buyers to restore liquidity.
Traditional MBS investors like banks and insurers have pulled back, leaving the market short on buyers. The proposal aims to stabilize rates without permanently expanding the GSEs’ balance sheets.
Supporters say this intervention could lower borrowing costs, boost home sales, and support first-time and lower-income buyers. Critics warn it must remain temporary to avoid market distortions.
As one housing expert summed up, “This isn’t about manipulating rates—it’s about fixing a broken link in the system so families can afford homes again.”
🔍 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/2025/10/housing-industry-leaders-push-for-federal-action-to-narrow-mortgage-rate-spread/
#MortgageRates #HousingMarket #Affordability #FannieMae #FreddieMac