The Nadlan Group Real Estate Podcast

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 For all of 2025 so far, withdrawn listings are up about 45 percent—the fastest pace since this data has been tracked.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

Home Price Growth Slows Again as Housing Market Finds Balance

Home price growth cooled again in November, a clear sign that the U.S. housing market is continuing to adjust after several years of rapid increases. New data from First American’s Home Price Index shows that price gains remain modest, while affordability is slowly improving for buyers.
 
Annual home price growth stayed below one percent for the fourth straight month, and a prior estimate was revised lower, confirming that momentum is weakening. At the same time, household income continues to rise. Median income is up just over three percent from last year and nearly 60 percent higher than it was in 2015. That income growth is helping ease some of the pressure created by higher prices and mortgage rates.
 
Even so, the market still has a long way to go. Housing affordability reached its best level since mid-2022 and has improved year over year for nine months in a row. But it remains more than 60 percent worse than before the pandemic, showing how stretched many buyers still feel.
 
One key reason price growth is cooling is supply. As more homes stay on the market longer, months’ supply has increased, acting like a natural brake on prices. When inventory is tight, prices rise faster. As supply improves, price growth slows, giving buyers a bit more breathing room.
 
Price trends vary widely by location. Midwest and Northeast markets such as Pittsburgh, parts of Michigan, and the New York metro continue to see stronger gains, largely because prices there remain more accessible. In contrast, some Sun Belt and coastal markets are seeing flatter or even lower prices as affordability limits demand.
 
Starter homes are leading the market. In more affordable cities, entry-level home prices are rising faster than luxury homes, showing where demand is strongest. There are also early signs of buyers returning, with pending home sales reaching their highest level in nearly three years.
 
Looking ahead to 2026, home prices are likely to keep growing at a slower pace if supply and demand stay balanced. For now, cooling price growth and rising incomes point toward a more stable housing market—one that may slowly improve access for future buyers.
 
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-price-growth-slows-again-as-housing-market-finds-balance/
#HomePrices #HousingMarket #RealEstateTrends #Affordability #HousingOutlook

Housing Market Hits Pause as Listings Grow and Buyers Step Back

The U.S. housing market stayed in a slow and steady holding pattern in November 2025. More homes came up for sale, but buyers didn’t rush back in, keeping overall activity muted and prices under pressure in many parts of the country.
 
New data shows that active listings were up more than 12% compared with a year ago, marking the 25th straight month of annual inventory growth. Even so, the pace of that growth is slowing. That’s a sign the market is leveling off rather than gaining new momentum. Mortgage rates dipped slightly, and delayed economic data returned after the government shutdown, but buyer demand remained soft.
 
Homes also spent more time on the market than they did last year, and national list prices slipped about 0.4% year over year. Affordability continues to be the main obstacle holding buyers back.
 
Regional differences are becoming more noticeable. Inventory increased everywhere, but the biggest gains were in the West and South. In many of those markets, homes are now sitting much longer than before the pandemic, giving buyers more choices and more negotiating power. At the same time, growth in those regions has slowed since summer.
 
The Northeast and Midwest tell a different story. These areas remain tighter, with fewer homes for sale, quicker closings, and less pressure on prices. The contrast is sharp. Some Western cities now have far more inventory than before the pandemic, while certain Northeastern metros have far less.
 
Another key trend is delistings. Since June, about 6% of homes have been pulled off the market each month. Instead of cutting prices further, many sellers are choosing to wait, hoping conditions improve.
 
Buyers who are still active are also shifting their focus. Smaller, lower-cost metros are drawing interest from households priced out of larger cities. These markets have seen stronger price growth as buyers redefine what affordable homeownership looks like today.
 
Looking ahead to 2026, the market appears unlikely to rebound quickly. Higher inventory, cautious buyers, and wide regional gaps point to a slow, uneven adjustment rather than a fast recovery.
 
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/housing-market-hits-pause-as-listings-grow-and-buyers-step-back/
#HousingMarket #RealEstateTrends #HomePrices #InventoryUpdate #HousingOutlook

Existing Home Sales Hit 8 Month High — But the Market Still Isn’t Moving Much

Existing home sales just recorded their strongest showing in eight months, but that headline doesn’t tell the full story.
 
According to the National Association of Realtors, existing-home sales rose slightly in November, reaching an annual pace of 4.13 million homes. This marks the third straight monthly increase and the highest level since early spring. On the surface, that sounds like momentum is building.
 
In reality, the market is still moving very slowly.
 
Even with recent gains, sales remain near the lower end of the range we’ve seen since late 2022. The increase is real, but it’s small, and it hasn’t pushed the market into a true recovery. Activity is improving at the margins, not breaking out.
 
The main reason for the recent bump was lower mortgage rates earlier in the fall, which encouraged some buyers to step back in. But that support is already fading. Inventory, which had been improving earlier this year, is starting to tighten again.
 
NAR’s chief economist Lawrence Yun explained that while demand has picked up slightly, homeowners are not rushing to list. With housing equity near record highs and distressed sales extremely rare, many sellers see little reason to move—especially during the winter months.
 
Regionally, the picture is mixed. The Northeast saw the strongest sales increase, while the Midwest stood out for faster price growth. The South posted modest gains, and the West remained flat on sales, with prices slipping slightly from a year ago.
 
Nationally, inventory fell nearly 6% from October and now sits at about 4.2 months of supply. A balanced market typically needs closer to six months. That shortage continues to support prices, which rose 1.2% year over year for the 29th straight month.
 
Single-family homes are still driving the market, while condo and co-op sales continue to struggle, partly due to rising HOA costs.
 
The takeaway is simple: the housing market has stopped sliding, but it isn’t accelerating either. Buyers remain sensitive to rates, sellers are staying put, and supply is the key constraint.
 
Until inventory grows more consistently or borrowing costs stay lower for longer, existing home sales are likely to move sideways—not surge.
 
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/what-is-a-fico-score-and-why-it-matters-more-than-you-think/
#HousingMarket #HomeSales #RealEstateNews #MortgageRates #MarketUpdate