The Nadlan Group Real Estate Podcast

Closing Costs Explained: Essential Information for Real Estate Investors

In today’s housing market, closing costs play a crucial role, and understanding them is essential, especially for real estate investors. Closing costs are typically 2% to 5% of the home’s purchase price and can include mortgage lender fees, third-party charges, and hidden fees. 
 
Some common mortgage fees include application fees, origination fees, and underwriting fees. While some fees are fixed, others can be negotiated. For instance, comparing offers from multiple lenders or asking about fee waivers can help reduce costs.
 
Additionally, third-party services like appraisals, title searches, and property surveys add to the expenses but are necessary for the transaction. Hidden fees such as rate lock fees or junk fees can also inflate closing costs, so it’s important to carefully review all documents like the Loan Estimate and Closing Disclosure.
 
Key Strategies to Minimize Closing Costs:
Negotiate: Don’t hesitate to request fee reductions or seller concessions where the seller covers part of your closing costs.
 
Seller Concessions: In a buyer’s market, this can be a useful way to reduce upfront costs.
 
Assistance Programs: Explore down payment or closing cost assistance programs, especially for first-time buyers.
 
Tax-wise, some closing costs like mortgage interest, property taxes, and mortgage points can be tax-deductible. Proper record-keeping is essential for claiming these deductions. For complex tax considerations, consulting a tax professional is always a good idea.
 
To sum it up, by being informed about closing costs, negotiating, and utilizing available programs, you can significantly reduce your upfront expenses, making your real estate investment journey smoother.
 
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://nadlancapitalgroup.com/closing-costs-explained-essential-information-for-real-estate-investors/
#ClosingCosts #RealEstateInvesting #MortgageTips #TaxDeductions #HomeBuying

Mortgage Rates Remain Steady Despite Fluctuations in Bond Market

Mortgage rates typically track closely with bond market movements, but short-term differences can occur due to the timing of changes. On Tuesday, the bond market improved, which would typically lower mortgage rates, but most lenders didn’t adjust their rates due to the timing of the market improvement. 
 
The following day, as the bond market weakened again, mortgage rates stayed steady, despite the bond market's fluctuations. This inconsistency arises because mortgage lenders adjust rates once a day, after reflecting major bond movements, creating a lag between bond market changes and mortgage rate updates.
 
For homebuyers, this means that even though the bond market may experience volatility, mortgage rates can remain stable for a while before lenders make adjustments. While bond market trends often indicate future changes in mortgage rates, the timing of those adjustments can vary. Homebuyers and homeowners refinancing should continue to track both bond market trends and mortgage rate updates to better anticipate potential shifts.
 
Key Takeaways: Mortgage rates might not immediately reflect bond market changes, but they tend to follow the bond market over time. With ongoing economic factors like inflation and Fed signals, mortgage rates could shift, so monitoring trends is essential for buyers and refinancers.
 
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/2025/09/mortgage-rates-remain-steady-despite-fluctuations-in-bond-market/
 
#MortgageRates #BondMarket #Homebuyers #FinancialTrends #MortgageMarket
 

Existing Home Sales Flat in August as Higher Mortgage Rates Weigh on Market

In August 2025, existing home sales remained relatively flat, with 4 million units sold on a seasonally adjusted annualized basis. While this showed a slight 0.2% drop from July, sales were still up by 1.8% compared to last year. 
 
The Midwest stood out as the top performer due to more affordable prices, while the Northeast struggled with high costs and limited inventory. The sales data reflects transactions from June and July, when mortgage rates were higher, but rates started to decline in September, which could lead to more positive results in future reports.
 
The luxury home market saw notable growth, with homes priced above $1 million experiencing an 8% increase in sales. On the other hand, the affordable home market, with homes priced under $100,000, saw a significant drop of over 10%. This highlights the ongoing affordability challenges, especially for first-time buyers and lower-income households.
 
Housing inventory fell 1.3% from July to August, but still remains 11.7% higher than a year ago, indicating that supply remains constrained. Sellers are hesitant to list their homes due to high mortgage rates and slower price appreciation, creating an overall tight market.
 
Home prices have shown resilience, with the median price rising to $422,600, up 2% from last year, marking the 26th consecutive month of annual price gains. Homes are taking slightly longer to sell, with the average time on market rising to 31 days, compared to 26 days in 2024. Cash buyers are a dominant force, making up 28% of sales, while first-time buyers represent a historically low 28%, reflecting ongoing affordability issues.
 
Looking ahead, lower mortgage rates should provide some relief, but the market will likely remain favorable for higher-end homes and experienced buyers. Analysts will continue to watch first-time buyer trends and supply levels closely, as these factors will determine the housing market's trajectory in the months to come.
 
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/2025/09/existing-home-sales-flat-in-august-as-higher-mortgage-rates-weigh-on-market/
#HousingMarket #MortgageRates #RealEstateTrends #AffordableHousing #HomeSales

Jobless Claims Drop to 218,000, Beating Expectations Despite Concerns Over Labor Market

The U.S. labor market showed unexpected strength with a drop in jobless claims to 218,000 for the week ending September 20, 2025, surprising analysts who had expected an increase. This marks a decrease of 14,000 claims compared to the prior week, signaling that businesses are still holding onto their employees, despite concerns about economic slowdown and high inflation. 
 
The drop in claims came just after the Federal Reserve's first rate cut of 2025, which had been partly motivated by fears of risks to employment. However, even though hiring has slowed, the continued stability in jobless claims suggests that companies are more reluctant to lay off workers, indicating some resilience in the labor market.
 
This positive employment data is also backed by broader economic trends, showing signs of strength. The U.S. Gross Domestic Product (GDP) growth for Q2 2025 was revised upward to 3.8%, driven largely by increased consumer spending, which grew by 2.5%, surpassing previous expectations. 
 
Other indicators, such as durable goods spending, also show a rebound, with a 2.9% rise in August, pointing to continued consumer confidence and demand for long-lasting products.
The housing market, which has been under pressure due to high mortgage rates and low inventory, also showed some improvement. 
 
New home sales surged by 20.5% in August, marking the largest monthly gain since January 2022, indicating that the market may be regaining some momentum despite previous 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👇
https://nadlancapitalgroup.com
 
Continue reading on our site: Jobless Claims Drop to 218,000, Beating Expectations Despite Concerns Over Labor Market | ‎נדל"ן ולעניין - השקעות בארה"ב
 
#JoblessClaims #LaborMarketResilience #FedPolicy #EconomicGrowth #HousingMarket

Mortgage Rates Show Little Movement on Tuesday Amid Fed Speeches

Mortgage rates have remained stable as the market adjusts to the Federal Reserve's recent rate cuts and upcoming economic reports. Despite speeches from Fed Chair Jerome Powell, which did not introduce any major shifts, there was some relief in the bond market as Powell refrained from reinforcing hawkish messages. 
 
Investors are now in a wait-and-see mode, looking for signs of the Fed’s next moves, especially in light of economic reports like employment data.
 
While mortgage rates have been relatively steady since last Thursday, they remain higher than historical lows. The coming weeks may bring more clarity, as updates on the economy and Fed speeches will influence future rate movements, with small shifts potentially affecting affordability for homebuyers and those looking to refinance.
 
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: Mortgage Rates Show Little Movement on Tuesday Amid Fed Speeches
#MortgageRates #FederalReserve #EconomicOutlook #Homebuyers #Refinance

FHA Reduces Multifamily Mortgage Insurance Premiums to Address Rising Construction Costs

Mortgage rates have remained stable as the market adjusts to the Federal Reserve's recent rate cuts and upcoming economic reports. Despite speeches from Fed Chair Jerome Powell, which did not introduce any major shifts, there was some relief in the bond market as Powell refrained from reinforcing hawkish messages. 
 
Investors are now in a wait-and-see mode, looking for signs of the Fed’s next moves, especially in light of economic reports like employment data. 
 
While mortgage rates have been relatively steady since last Thursday, they remain higher than historical lows. The coming weeks may bring more clarity, as updates on the economy and Fed speeches will influence future rate movements, with small shifts potentially affecting affordability for homebuyers and those looking to refinance.
 
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: FHA Reduces Multifamily Mortgage Insurance Premiums to Address Rising Construction Costs | ‎נדל"ן ולעניין - השקעות בארה"ב
#MortgageRates #FederalReserve #EconomicOutlook #Homebuyers #Refinance

New Home Sales Surge 20% in August, Reaching a Three-Year High

New home sales in August 2025 saw a surprising 20.5% increase from July, marking the strongest performance since January 2022. This surge, despite elevated mortgage rates, points to a shift in the housing market, with experts analyzing the reasons behind this unexpected rise. 
 
Mortgage rates remained high throughout August, but fell in September, leading to a brief dip before climbing back up.
 
The surge in sales can be attributed to builders offering significant incentives, with 39% of builders reporting price reductions in September, the highest level of price cuts since the post-COVID era. Regional trends show strong sales in the Northeast and South, while the West lagged behind, likely due to high home prices. 
 
Despite a reduction in the inventory of new homes and a decrease in housing starts and permits, the market continues to show resilience, driven by the combination of lower mortgage rates, builder incentives, and strong regional demand. Going forward, experts are watching how mortgage rates and builder strategies will influence the market’s future trajectory. 
 
For homebuyers, this period could represent an opportunity to consider new construction homes, especially as builders adjust their incentives and inventory levels. 
 
🔍 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: New Home Sales Surge 20% in August, Reaching a Three-Year High
#NewHomeSales #HousingMarket2025 #MortgageRates #BuilderIncentives #HomeBuying

2025 Sees Strongest Buyer’s Market in Over a Decade, Offering Opportunities for Homebuyers

The U.S. housing market in 2025 is seeing the strongest buyer's market in over a decade, driven by rising home prices, high mortgage rates, and shifting market dynamics. Despite an increase in mortgage rates and home prices, the number of sellers has surpassed buyers by 35.2%, marking one of the best conditions for buyers in recent years. 
 
According to a recent Redfin report, in August 2025, the number of homebuyers dropped to just 1.44 million, the lowest since 2013, reflecting a drop in demand. 
 
However, the number of sellers also dropped, with 1.94 million homes listed in August, which is the lowest since January 2025. The market dynamics vary regionally, with cities like Miami and Fort Lauderdale having a significant surplus of sellers compared to buyers, while markets like Newark, NJ, and Nassau County, NY, remain seller’s markets. 
 
Affordability continues to be a key issue, with the Sun Belt cities such as Austin and Miami seeing rising home prices due to increased demand. 
 
Despite this, homebuyers now have more options due to increased inventory in regions like Florida and Texas, but they’ve become more selective, walking away from deals due to minor issues. 
 
As the market adjusts, the real estate landscape presents opportunities for buyers, especially those with the flexibility to negotiate. With potential mortgage rate cuts on the horizon, buyers should stay informed to make the most of this favorable market. 
 
🔍 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: 2025 Sees Strongest Buyer’s Market in Over a Decade, Offering Opportunities for Homebuyers
#BuyersMarket2025 #HousingMarketTrends #HomeBuyingOpportunities #MortgageRates #RealEstate2025

Fixer-Upper Homes Surge in Popularity, Offering Buyers More Affordable Options

As the U.S. housing market grapples with rising home prices and mortgage rates, fixer-upper homes are rapidly growing in popularity, providing a more affordable pathway into homeownership. According to recent studies, these homes, which require significant repairs or renovations, are seeing increasing demand due to their cost-effective nature.
 
As of July 2025, the median listing price for all single-family homes is $436,250, while fixer-uppers are listed at about $200,000 a 54.2% discount. Despite being smaller in size, typically around 1,628 square feet, these homes offer great potential for buyers who are willing to invest time and effort into renovation projects.
 
As home prices and mortgage rates rise, many buyers are turning to fixer-uppers as a way to enter the market without overspending. Recent data from Realtor.com reveals that searches for "fixer-upper" properties have tripled in the last four years, and these homes are receiving 52% more page views than comparable move-in-ready homes. Cities like St. Louis, Detroit, and Jackson, MS, are emerging as top locations for fixer-uppers, with homes in these areas priced at a significant discount compared to similar move-in-ready properties. 
 
Despite a slight dip in the share of fixer-upper listings, demand remains strong, and the trend is growing, especially in markets where affordability is a pressing concern. For buyers willing to roll up their sleeves, fixer-uppers offer an opportunity to secure a home at a lower cost and create a personalized living space.
 
🔍 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: Fixer-Upper Homes Surge in Popularity, Offering Buyers More Affordable Options
#FixerUpper #AffordableHousing #Homeownership #RealEstateTrends #HousingMarket

Mortgage Rates Hold Steady to Begin Week Amid Market Calm

Mortgage rates have stabilized after a week of significant fluctuations, with the latest readings aligning closely with last Friday's levels. After hitting historic lows earlier in the week, mortgage rates surged midweek following the Federal Reserve’s rate cut announcement. However, comments from Fed Chair Jerome Powell, coupled with Thursday's economic data, caused a brief spike in rates, which then settled as the market recalibrated. 
 
As of now, the top-tier 30-year fixed mortgage rate is around 6.375%, down from a brief dip to 6.125% last week. Mortgage rates often move independently of the Fed’s actions, responding more to bond market dynamics, investor sentiment, and economic indicators. The market will now look to upcoming Fed speeches and the jobs report, which traditionally play a crucial role in influencing mortgage rates. A stronger-than-expected jobs report could push rates higher, while weaker employment data may allow rates to remain lower. 
 
For borrowers, this period of calm offers a clearer window to make decisions, but the volatile nature of the market underlines the need for timely action. Mortgage rates remain elevated compared to last year’s lows, making it important for buyers and refinancers to act quickly and stay informed about market movements.
🔍 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: Mortgage Rates Hold Steady to Begin Week Amid Market Calm
#MortgageRates #HousingMarket #FedRateCut #RefinanceOpportunities #Homebuyers