The Nadlan Group Real Estate Podcast

Housing Market Outlook: Lessons from the Past and Signals for the Future

Renowned economist Peter Schiff, famous for predicting the 2008 housing crisis, is once again cautioning about potential challenges in the U.S. housing market. Although today’s conditions differ from the subprime era, Schiff highlights the combination of high home prices and rising mortgage rates, which could create stress for homebuyers and homeowners.
The Housing Market Imbalance:
For years, the Federal Reserve kept interest rates near zero, allowing borrowers to lock in mortgage rates as low as 3-4%. This artificially inflated home prices, as buyers could afford more expensive homes with lower monthly payments.
Today, mortgage rates have more than doubled, with the 30-year fixed-rate mortgage above 6%, compared to rates below 3% in recent years. Despite this, home prices haven’t fully adjusted, with the S&P CoreLogic Case-Shiller Index showing a 50% price increase over the past 5 years.
Schiff explains that this mismatch between home prices and borrowing costs may lead to affordability issues. As mortgage rates rise without a corresponding drop in home prices, this could pressure the housing market, leading to painful adjustments.
U.S. Economic Considerations: Schiff believes that the shift toward rate-consistent pricing could create localized housing stress, particularly for homeowners who may need to sell but find they owe more than their homes are worth.
Supply constraints also continue to cushion the market. Zillow reports a housing deficit of approximately 4.7 million homes, contributing to elevated prices. Additionally, homeowners with locked-in low rates are less inclined to sell, limiting available inventory and further exacerbating affordability.
For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
Continue reading on our site: 
httphttps://www.forumnadlanusa.com/2025/09/housing-market-outlook-lessons-from-the-past-and-signals-for-the-future/
 #HousingMarket #RealEstateInvesting #GoldInvestment #RentalIncome #HomePrices
 

Renters Increasingly Prioritize Energy Efficiency and Savings in Housing Choices

As rental demand grows in 2025, renters are placing a growing emphasis on energy efficiency and utility cost savings when choosing a home. A recent survey by SmartRent and Morning Consult shows that 92% of renters consider reducing monthly utility bills “very important” or “somewhat important,” while 75% factor in sustainability and minimizing their environmental footprint. Rising electricity costs—up 34% since 2020—have heightened awareness, with many renters seeking energy-efficient appliances, smart thermostats, and online energy tracking tools to help manage expenses.
Despite this demand, communication gaps persist: only 48% of renters feel their property managers effectively educate them about energy usage, and just 44% believe their management actively helps reduce utility costs. Deal-breakers include high energy costs and lack of control over in-unit heating and cooling, with 32% willing to pay higher rent if energy savings keep total monthly expenses stable.
The rental market remains competitive but constrained, with Redfin reporting that 48% of new apartments completed in Q1 2025 were leased within three months. While landlords still offer concessions such as free rent to attract tenants, the growing focus on energy efficiency is becoming a more important differentiator than temporary incentives.
For property managers, adapting to renter priorities means incorporating energy-efficient technologies, smart controls, and transparent utility communication. Meeting these expectations not only helps tenants save money and reduce environmental impact but also improves retention and competitiveness in the rental market.
To ensure a smooth process, the article stresses the importance of planning ahead, reviewing documents carefully, and working with experts like Nadlan Capital Group for guidance and financing solutions.
🔍 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/2025/09/renters-increasingly-prioritize-energy-efficiency/
#EnergyEfficientHomes #SmartRenting #RentalMarketTrends #SustainableLiving #TenantSavings
 

Generational Shifts Shape Homeownership Across U.S. Metros

A recent LendingTree analysis reveals that age is a major factor influencing homeownership patterns across the 50 largest U.S. metro areas. The typical homeowner is between 50 and 51 years old, while renters average around 45, significantly older than the median U.S. population of 39. In high-cost metros like Los Angeles, San Diego, and Miami, older homeowners dominate, with monthly mortgage payments often exceeding $3,000, creating affordability barriers for younger buyers and pushing them toward renting.
Conversely, younger homeowners and renters gravitate toward more affordable, growing markets such as Salt Lake City, Austin, and Oklahoma City. These cities offer manageable housing costs, job growth, and lifestyle amenities, making them attractive to younger generations seeking homeownership. Renters across the U.S. tend to be about six years younger than homeowners, though East Coast metros like New York and Miami show older renter demographics due to high costs.
Generational priorities heavily influence housing decisions: younger buyers focus on affordability, employment opportunities, and growth potential, while older homeowners prioritize stability, healthcare, and retirement planning. These trends are shaping market dynamics, with implications for housing policy, urban planning, and real estate development. Developers and policymakers must account for life-stage preferences, offering flexible, affordable housing for younger buyers while addressing inventory and downsizing options for older residents in high-cost areas.
In short, the age of buyers and renters is driving where people live, highlighting the importance of balancing affordability, opportunity, and amenities to meet the needs of all generations across U.S. housing markets.
For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
Continue reading on our site: 
https://www.forumnadlanusa.com/2025/09/generational-shifts-shape-homeownership-across-u-s-metros/
#HomeownershipTrends #GenerationalShift #HousingMarket2025 #AffordableHousing #RealEstateInsights

New Bipartisan Bill Supports Disabled Veterans in Housing

A bipartisan effort in Congress is aiming to remove a major housing barrier for disabled veterans through the Fair Housing for Disabled Veterans Act. Introduced by Representatives Mike Kelly, Linda Sánchez, Jimmy Gomez, and Blake Moore, the legislation proposes that veterans’ service-related disability benefits not be counted as income when determining eligibility for affordable housing programs like the Low-Income Housing Tax Credit (LIHTC). Currently, these benefits can disqualify veterans from housing assistance, even pushing some toward homelessness.
The LIHTC program, which provides roughly $10.5 billion annually in tax credits to fund affordable rental housing, has inadvertently penalized veterans by including disability payments in income calculations. By excluding these benefits, the new legislation ensures that veterans with service-related disabilities can access safe, affordable housing without losing crucial financial support.
This bill complements recent efforts like the VA Home Loan Program Reform Act (HR 1815), which modernized VA home loan support and funded homelessness prevention programs for veterans. Veteran advocacy groups, including the Wounded Warrior Project, have praised the initiative, highlighting its potential to help vulnerable veterans maintain stable housing and financial security.
With housing affordability challenges persisting for disabled veterans, the Fair Housing for Disabled Veterans Act represents a critical step toward equity, ensuring that service-related benefits empower rather than hinder access to homes. The legislation emphasizes the nation’s commitment to those who have served, aiming to provide dignity, stability, and the housing opportunities veterans deserve. For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
Continue reading on our site: 
https://www.forumnadlanusa.com/2025/09/new-bipartisan-legislation-aims-to-remove-housing-barriers-for-disabled-veterans/
#VeteransHousing #DisabledVeterans #AffordableHousing #LIHTC #BipartisanSupport
 

Mortgage Rates Finish the Week Mostly Steady

Mortgage rates ended the week largely unchanged, providing a sense of stability after last week’s dramatic swings. Rates hit their lowest point in nearly a year early last week before spiking sharply following the Federal Reserve’s announcement. This week, however, daily fluctuations were minimal, reflecting a more measured market response to economic data, including the Personal Consumption Expenditures (PCE) inflation index, which came in largely as expected. Currently, top-tier 30-year fixed mortgage rates are hovering in the high 6.3% range, slightly above last week’s early lows of 6.1%, but still more favorable than earlier this year.
Looking ahead, uncertainty remains due to a potential government shutdown, which could delay key economic reports such as Friday’s jobs report. Since employment data is a major driver of short-term mortgage rate movements, any delays or surprises could trigger sudden shifts in rates. Analysts note that while rates are stable now, buyers and lenders are closely monitoring the market, as fluctuations could quickly resume once critical economic indicators are released.
For homebuyers, the current environment offers a small window of predictability, but the broader outlook remains cautious. Those seeking to purchase or refinance should stay informed of daily rate updates and upcoming economic data, as even modest changes can affect borrowing costs and affordability. In summary, after a volatile week, mortgage rates have calmed for now, but potential economic developments could quickly influence the market in the weeks ahead.
 
For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
 
 
Continue reading on our site:
https://www.forumnadlanusa.com/2025/09/mortgage-rates-finish-the-week-mostly-steady/
 
#MortgageRates #HomeBuying #InterestRates #HousingMarket #EconomicUpdate

Which U.S. Metros Will Benefit Most from Declining Mortgage Rates?

As mortgage rates edge closer to 6%, certain U.S. metros are expected to see a surge in housing demand, particularly in areas with younger, more mobile populations who are more reliant on mortgages. Washington, D.C., Denver, Virginia Beach, and Raleigh are some of the metros poised to experience the most significant market changes due to their high percentage of mortgaged households. These areas, where a large portion of residents hold mortgages, are more sensitive to interest rate declines, prompting more buyers and sellers to take advantage of lower financing costs.
Conversely, cities like Miami, Buffalo, and Pittsburgh, where a greater proportion of homeowners own their properties outright, are anticipated to see a slower response. In these areas, many homeowners have significant equity, reducing their reliance on new mortgages, and thus, there’s less urgency to act on declining mortgage rates.
Key Takeaways:
Metro Areas with High Mortgage Reliance: Washington, D.C., Denver, Raleigh, and Virginia Beach will likely see a surge in buyer and seller activity due to lower mortgage rates.
Markets with Outright Homeownership: Miami, Buffalo, and Pittsburgh, with fewer mortgaged households, will experience a slower response to rate changes.
Demographic Divide: Younger buyers and renters, more reliant on mortgages, will be more responsive to declining rates, while older homeowners with paid-off properties may remain unaffected.
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/creative-financing-nadlan-capital-financing-for-foreign-nationals-americans
Continue reading on our site:
https://www.forumnadlanusa.com/2025/09/which-u-s-metros-will-benefit-most-from-declining-mortgage-rates/
#MortgageRates #HousingMarket #HomeBuying #RealEstateTrends #FirstTimeHomeBuyers
 

Home Sales Stall in August, But Yearly Gains Offer Optimism

In August 2025, U.S. home sales showed little change, with existing home sales declining by just 0.2% compared to July, landing at a seasonally adjusted annual rate of 4 million homes sold. However, the market did show a 1.8% year-over-year increase, signaling a gradual recovery from the housing market's challenging conditions earlier in the year. Mortgage rates slightly declined to around 6.5% by the end of August, contributing to cautious optimism, though many potential buyers remain hesitant due to anticipated Federal Reserve rate cuts.
Regional Trends: Mixed Results
The housing market experienced regional disparities. The Midwest showed the strongest performance with a 2.1% increase in sales and a median home price of $330,500, up 4.5% year-over-year. The West also saw slight growth of 1.4%, though high prices persist with a median price of $624,300. In contrast, the Northeast and South faced declines in sales, with the Northeast down by 4.0% and the South by 1.1%, though prices in these regions remained relatively stable.
Inventory and Price Trends
Housing inventory dropped by 1.3% in August but was up 11.7% year-over-year, signaling continued tightness in the market. The median home price stayed strong at $422,600, marking the 26th consecutive month of price growth. This price resilience is attributed to sustained demand and limited supply, despite stagnation in overall transaction volume.
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/creative-financing-nadlan-capital-financing-for-foreign-nationals-americans
Continue reading on our site:
https://www.forumnadlanusa.com/2025/09/home-sales-stall-in-august-but-yearly-gains-offer-optimism/
#HousingMarket #HomeSales #MortgageRates #RealEstateTrends #Homebuyers

Mortgage Rates Edge Up After Strong Economic Data

On September 25, 2025, mortgage rates saw a slight increase following the release of stronger-than-expected economic data. Key reports, including an upgrade of Q2 GDP growth from 3.3% to 3.8%, a drop in jobless claims, and stronger-than-expected demand for durable goods, all pointed to a resilient economy. These reports, released shortly before mortgage lenders set their daily rates, caused bond markets to react, pushing yields higher and resulting in modest increases in mortgage rates.
The positive economic data signaled a stronger-than-expected performance in Q2, boosting expectations of potential future interest rate hikes by the Federal Reserve. This, in turn, led to higher bond yields and a modest uptick in mortgage rates.
While bond markets reacted to the stronger economic data, the increase in mortgage rates was relatively small. Most lenders adjusted their rates slightly, emphasizing that mortgage rates generally react gradually to economic reports.
The slight increase in mortgage rates reflects broader economic conditions, including solid consumer spending and manufacturing growth. Buyers can still benefit from historically low rates, but timing is key, as rates may continue to rise gradually.
Homeowners considering refinancing should act sooner rather than later to lock in favorable terms, as rates are expected to gradually rise. Though still low by historical standards, waiting too long could mean missing out on better terms.
As the fall progresses, additional economic data such as consumer spending, inflation, and job growth will influence mortgage rates. Continued economic strength could lead to upward pressure on rates, especially if the Fed takes a more aggressive stance to combat inflation.
The recent increase in mortgage rates, though modest, serves as a reminder of the dynamic relationship between economic data and the mortgage market. Buyers and homeowners should stay informed and act promptly when favorable conditions arise to lock in lower rates before any further increases.
 
For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group
 
Continue reading on our site:
https://www.forumnadlanusa.com/2025/09/mortgage-rates-edge-up-after-strong-economic-data/
 
#MortgageRates #EconomicGrowth #Homebuyers #Refinance #MortgageMarket

Core Inflation Holds Steady at 2.9% in August, Fed's Inflation Gauge Signals Stable Outlook

In August 2025, core inflation in the U.S. remained steady at 2.9%, according to the Federal Reserve’s preferred measure, the Personal Consumption Expenditures (PCE) price index. While headline inflation, which includes volatile food and energy prices, edged up to 2.7%, the core PCE remains stable, signaling that inflation is not spiraling out of control. This consistency reinforces the Fed’s decision to implement a quarter-point rate cut, supporting economic activity without fueling runaway inflation.
The core PCE remained at 2.9%, still above the Fed’s target of 2%, but stable enough to avoid major policy shifts. The Fed is likely to maintain its gradual rate cuts, with two additional reductions anticipated by year-end.
Despite inflation pressures, consumer spending and income showed resilience. Personal income rose by 0.4%, and PCE accelerated at a 0.6% pace. This continued consumer confidence is contributing to sustained economic momentum, even in the face of high living costs.
The Fed is poised to further ease rates to support growth, but will also continue monitoring inflation. Economic data, particularly from consumer spending and housing, will guide future policy decisions. The stable inflation rate and strong consumer spending indicate a steady path forward for the U.S. economy, with manageable mortgage rates and borrowing costs expected as 2025 progresses.
For direct financing consultations or mortgage options for you visit 👉 Nadlan Capital Group.
Continue reading on our site: https://www.forumnadlanusa.com/2025/09/core-inflation-holds-steady-at-2-9-in-august-feds-inflation-gauge-signals-stable-outlook/
#CoreInflation #FederalReserve #ConsumerSpending #InterestRates #EconomicOutlook
 

How to Prepare Financially for Closing Day: The Role of Cash to Close and More

This blog post provides a comprehensive guide to understanding cash to close, an essential aspect of the home-buying process. It explains how cash to close differs from closing costs and highlights the key components of the total amount needed on closing day, including:
Down Payment: The upfront portion of the home's price.
Closing Costs: Fees for services related to the home purchase and mortgage.
Prepaid Expenses: Property taxes, homeowner's insurance, etc.
Per Diem Interest: Interest on the mortgage from closing to the first day of the next month.
It emphasizes the importance of accurate calculations for cash to close to avoid delays or surprises, offering methods to estimate and calculate the amount. This includes using the Closing Disclosure document or estimating before closing day based on down payment, estimated closing costs, and other fees.
The post also addresses common concerns, such as payment methods (preferably cashier’s check or wire transfer) and consequences of insufficient funds, including potential delays, loss of earnest money, or legal actions. Additionally, it highlights the 3-day rule, which ensures you have at least three days to review the Closing Disclosure and ask questions before finalizing the transaction.
To ensure a smooth process, the article stresses the importance of planning ahead, reviewing documents carefully, and working with experts like Nadlan Capital Group for guidance and financing solutions.
🔍 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://nadlancapitalgroup.com/how-to-prepare-financially-for-closing-day/
#MortgageRates #EconomicGrowth #Homebuyers #Refinance #MortgageMarket