The Nadlan Group Real Estate Podcast

Mortgage lender fees: How they differ from other closing costs

When applying for a mortgage, whether for a primary residence, second home, or investment property, you will typically encounter closing costs. A significant portion of these costs are made up of mortgage lender fees, which are the charges for services provided directly by the financial institution lending you the money. 
 
These fees are separate from third-party fees, like home appraisal and inspection charges, which go to companies other than the lender.
 
On average, closing costs including both lender and third-party fees—can range from 2% to 5% of the total loan amount. The exact figure will depend on various factors like location and loan specifics.
What Are Lender Fees?
 
When you apply for a mortgage, your lender will issue a Loan Estimate detailing the closing costs, including the mortgage lender fees. These fees are typically listed under sections labeled “loan costs” and “other costs” on the Loan Estimate form.
 
Common lender fees include:
Application fee
Origination fee
Processing fee
Credit report fee
Underwriting fee
 
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https://nadlancapitalgroup.com
 
Continue reading on our site: https://nadlancapitalgroup.com/mortgage-lender-fees-how-they-differ-from-other-closing-costs/
#MortgageRates #HousingMarket #RefinanceOpportunities #Homebuyers

OECD Upgrades Global and U.S. Economic Growth Forecasts as Resilience Surprises in 2025

The Organisation for Economic Co-operation and Development (OECD) has raised its global economic growth forecast for 2025 to 3.2%, up from 2.9%, thanks to stronger-than-expected performance, especially in emerging markets like Brazil, India, and Indonesia. 
 
The U.S. growth forecast was also revised upward to 1.8%, surpassing earlier projections. While the global economy shows resilience driven by AI investment in the U.S. and China's fiscal support, the OECD cautioned that growth might slow in the latter half of the year due to front-loaded economic activity. 
 
Despite positive revisions, risks remain, notably from escalating trade tariffs, with the U.S. implementing its highest tariff rates since 1933, impacting inflation and global markets. Although inflation in G20 countries has been slightly revised downward, tariff impacts and inflationary pressures persist. 
The OECD also highlighted financial stability risks, especially related to cryptocurrencies, and warned of further tariff hikes. Looking forward, the OECD emphasized that while the global outlook is brighter than expected, the road to sustained growth is complex, requiring careful management of trade and fiscal policies amid the risks of inflation and economic instability.
 
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,  Nadlan Capital Group
 
Continue reading on our site: OECD Upgrades Global and U.S. Economic Growth Forecasts as Resilience Surprises in 2025 | ‎נדל"ן ולעניין - השקעות בארה"ב
#GlobalEconomy #OECDForecast #EconomicGrowth #TradeRisks #AIInvestment

Mortgage Rates Jump Higher After Fed Rate Cut: Here’s Why It’s Not as Confusing as It Seems

Mortgage rates surged this week despite the Federal Reserve’s 0.25% rate cut, leaving many people confused as to why rates didn’t drop as expected. However, it’s important to understand that the Fed’s actions don’t directly control mortgage rates.
 
The Fed Funds Rate primarily influences short-term interest rates, but mortgage rates are largely determined by the bond market, particularly the yield on long-term Treasury bonds.
 
These bonds react in real-time to economic data, market expectations, and other factors, and they can adjust ahead of the Fed’s official decisions. This week, despite the Fed’s rate cut, mortgage rates climbed as bond traders anticipated longer-term inflation risks and responded by pushing yields higher. 
 
Additionally, mortgage rates are highly influenced by investor sentiment and future expectations, which is why they can sometimes move in the opposite direction of the Fed’s actions. The Freddie Mac Weekly Mortgage Survey showed a slight drop in rates earlier this week, but it didn't reflect real-time market conditions, adding to the confusion. 
 
This jump in mortgage rates highlights how volatile the market can be, and how economic data, including inflation and labor market reports, continue to play a critical role in shaping rates. 
 
For homebuyers and homeowners looking to refinance, it’s essential to stay on top of current rates and be ready to act quickly when opportunities arise, as the market remains unpredictable.
 
For direct financing consultations or mortgage options for you, visit 👉 www.nadlancapitalgroup.com
 
Continue reading on our site: https://www.forumnadlanusa.com/2025/09/mortgage-rates-jump-higher-after-fed-rate-cut/
#MortgageRates #FedRateCut #HousingMarket #EconomicTrends #HomeBuyingTips

Mortgage Rates Jump Higher After Fed Rate Cut: Here’s Why It’s Not as Confusing as It Seems

Mortgage rates surged this week despite the Federal Reserve’s 0.25% rate cut, leaving many people confused as to why rates didn’t drop as expected. However, it’s important to understand that the Fed’s actions don’t directly control mortgage rates.
 
The Fed Funds Rate primarily influences short-term interest rates, but mortgage rates are largely determined by the bond market, particularly the yield on long-term Treasury bonds.
 
These bonds react in real-time to economic data, market expectations, and other factors, and they can adjust ahead of the Fed’s official decisions. This week, despite the Fed’s rate cut, mortgage rates climbed as bond traders anticipated longer-term inflation risks and responded by pushing yields higher. 
 
Additionally, mortgage rates are highly influenced by investor sentiment and future expectations, which is why they can sometimes move in the opposite direction of the Fed’s actions. The Freddie Mac Weekly Mortgage Survey showed a slight drop in rates earlier this week, but it didn't reflect real-time market conditions, adding to the confusion. 
 
This jump in mortgage rates highlights how volatile the market can be, and how economic data, including inflation and labor market reports, continue to play a critical role in shaping rates. 
 
For homebuyers and homeowners looking to refinance, it’s essential to stay on top of current rates and be ready to act quickly when opportunities arise, as the market remains unpredictable.
 
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, Nadlan Capital Group.
 
Continue reading on our site: https://www.forumnadlanusa.com/2025/09/mortgage-rates-jump-higher-after-fed-rate-cut/
#MortgageRates #FedRateCut #HousingMarket #EconomicTrends #HomeBuyingTips

Priced Out of Traditional Housing, Growing Numbers of Americans Are Living in RVs

As rising housing costs continue to push more families into unconventional living arrangements, many are turning to RVs as an affordable alternative. For families like Dante Reynolds’ in southern Oregon, a 22-foot RV has replaced their former home after financial hardship struck. The small space, while tight, is a necessary adaptation for families facing housing unaffordability.
 
The Growing Trend of RV Living:
Increased Numbers: The RV Industry Association reports that nearly 486,000 people are now living full-time in recreational vehicles, more than double the number from 2021. Similarly, the U.S. Census Bureau found that 342,000 people were living in RVs, boats, or vans by 2023, a 41% increase since 2019.
Demographics: Many RV dwellers are low-income earners, such as childcare workers or retirees on Social Security. Housing costs, which surged during the pandemic, have made traditional homeownership or renting unaffordable for these groups.
Challenges of RV Living:
Costly Repairs: RVs, designed for short-term use, require expensive repairs, especially for plumbing, HVAC, and generators. Extreme weather conditions, like flash floods, can also pose additional risks that traditional homes can better withstand.
Financial Strain: While some benefit financially from reduced housing costs, others, like Kat Tucker, a disabled veteran, find themselves trapped in a cycle of debt and repairs. Tucker faced recurring equipment failures and a seven-year loan for her RV, which may not last as long as expected.
Adapting to a Mobile Lifestyle:
Fragile Stability: Finding affordable and safe places to park is another significant challenge, with long-term RV parks costing up to $800 per month. Public campgrounds limit stays to 14 days. Despite these hurdles, some families make the most of their circumstances, transforming RV lots into cozy, personalized spaces.
Adaptability: Many residents, like Debbie Williams and Gus Francis, embrace RV living with a "make do" attitude, creating comfort and a sense of community within tight spaces. For families like Stitt’s, RV living began as a financial necessity after her daycare business closed, and they now navigate their lives within these constraints.
The Impact on Children:
New Experiences: Despite the hardships, RV living can lead to a more active and engaging lifestyle for children. Dante Reynolds, who spent more time outdoors, fishing, and cooking, reflects on how the lifestyle has improved his health and learning experiences, contrasting it with his former isolated life.
Structural Housing Market Issues:
Broader Problems: RV living is a response to the U.S. housing market’s broader structural issues, including rising home prices, limited affordable inventory, and the increasing cost of living. For many, it’s a financial necessity and an alternative that offers mobility, creativity, and resilience in an otherwise unaffordable market.
 RV life is becoming a long-term solution for many families who are priced out of traditional housing. It’s a blend of resourcefulness and adaptability, as families redefine what “home” looks like compact, mobile, but full of new experiences and a sense of community. Despite the challenges, RV living is increasingly seen as a necessary adaptation in the face of a challenging housing 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, Nadlan Capital Group.
 
Continue reading on our site: Priced Out of Traditional Housing, Growing Numbers of Americans Are Living in RVs | ‎נדל"ן ולעניין - השקעות בארה"ב
#RVLiving
#AffordableHousing
#HousingCrisis
#MobileLiving
#Adaptability

Is the U.S. on Track to Achieve “Normal” Housing Costs? Experts Weigh In

The U.S. housing market, which has been marked by high prices and elevated mortgage rates in recent years, could be on track to achieve more "normal" housing costs, according to a new study by Redfin. The report suggests that with a decrease in mortgage rates to around 5.5% and stable or modestly rising home prices, housing expenses could return to a more affordable level by 2030, offering relief to prospective homebuyers.
 
Key Findings from Redfin's Projections:
"Normal" Housing Costs: Redfin defines "normal" housing costs as those seen in July 2018, when home prices were more accessible, and the mortgage payment-to-income ratio was about 30%.
Mortgage Rates: If mortgage rates fall to 5.5% and home prices grow moderately (1.4% annually), housing costs could return to normal by November 2030. If home prices fall by 2% annually, this could happen as early as November 2027.
Current Market Conditions: At the current mortgage rate of 6.7%, the timeline for achieving normal housing costs could stretch well into the mid-2030s.
Regional Variation in Housing Cost Recovery:
Faster Recovery: Some tech-driven markets like San Francisco, Oakland, and Austin may see quicker recovery due to strong wage growth, even if home prices remain elevated.
Slower Recovery: High-demand metro areas like New York and Los Angeles may take longer to return to "normal" housing costs due to sustained price pressures.
Challenges and Barriers:
Affordability: While there is hope for stabilization, many markets still face affordability challenges, especially in areas like San Francisco, where even with normal housing costs, homes may remain out of reach for many buyers.
Supply and Demand Imbalance: In high-demand areas, housing supply hasn't kept pace with demand, creating an ongoing affordability challenge.
Looking Ahead: Optimism with Caution
Redfin’s Senior Economist, Asad Khan, suggests that even without drastic home price declines, modest improvements in mortgage rates and stabilization in prices could bring back affordability by the late 2020s. However, buyers should remain cautious, as progress will vary by region, and the path to affordability remains uneven.
Conclusion:
While the housing market may gradually stabilize and become more affordable in the coming years, achieving truly "normal" housing costs will take time, and affordability may still be elusive in some of the nation’s most competitive markets.
 
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, Nadlan Capital Group
 
Continue reading on our site: Is the U.S. on Track to Achieve "Normal" Housing Costs? Experts Weigh In | ‎נדל"ן ולעניין - השקעות בארה"ב
#HousingMarket2025 #HomebuyerAffordability #MortgageRates #RealEstateTrends #HousingCostStabilization

Embracing AI in Real Estate: Balancing Innovation, Progress, and Challenges

Artificial Intelligence (AI) is increasingly transforming the real estate industry, with professionals adopting technology to enhance their services while maintaining the core value of strong client relationships. A recent study by the National Association of Realtors (NAR) found that technology adoption, including AI tools, social media, and eSignature, is reshaping how real estate agents conduct their work, though the core of real estate remains relationship-driven. Despite the rise of AI, 46% of agents have not yet fully integrated AI into their business.
 
Key Findings from the Survey:
 
Digital Adoption: 79% of agents use eSignature technology, and 75% rely on social media for marketing. 52% use drones for property marketing, and 46% use AI-generated content.
 
AI Use: 20% of agents use AI tools daily, with 82% receiving positive client feedback on the integration of technology in real estate transactions.
 
Impact on Business: 17% of agents report significant positive impacts from AI, while 33% note a moderate impact. However, 46% have not seen any noticeable effects on their business.
 
Gen Z’s Influence on Real Estate: Gen Z, representing a growing portion of homebuyers, values technology and convenience. They are tech-savvy and use digital tools like eSigning and smart home features in their home-buying process. However, high home prices and interest rates are major barriers for Gen Z, with 43% opting out of the market in 2024. Real estate agents need to cater to their needs by embracing technology, offering flexibility, and focusing on lifestyle-driven choices.
 
AI's Impact on Real Estate: AI is already being used for content creation, pricing models, market analysis, and predictive analytics. Tools like ChatGPT are popular for generating listing descriptions and answering client questions, which streamlines administrative tasks. However, some agents remain hesitant, concerned about losing the personal touch that defines the industry.
 
Future of Real Estate Technology: The integration of AI will only grow, and real estate agents must adapt by balancing technology with human interaction. For homebuyers, especially Gen Z, the experience will become more seamless and flexible. The challenge for agents is to use AI in a way that enhances client relationships while offering innovation and efficiency.
 
Conclusion: AI is reshaping the real estate industry, creating more personalized and efficient services. Realtors who embrace AI and focus on meeting the needs of tech-savvy clients, especially Gen Z, will be better positioned for success in an increasingly competitive 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, Nadlan Capital Group.
Continue reading on our site: Embracing AI in Real Estate: Balancing Innovation, Progress, and Challenges | ‎נדל"ן ולעניין - השקעות בארה"ב
#AIInRealEstate #RealEstateTechnology #HomebuyingTrends #TechSavvyBuyers #DigitalRealEstate

Mortgage Rates Stabilize After Recent Volatility, But Uncertainty Remains

After a period of volatility where mortgage rates increased by about 0.25%, rates have now found some stability. While today's rates are slightly lower compared to yesterday, the overall movement is seen as "sideways," meaning the recent losing streak has slowed, giving borrowers and lenders a brief moment of relief. Despite these fluctuations, current rates remain among the lowest seen in nearly a year, providing a favorable opportunity for homebuyers and those considering refinancing.
 
While rates are stable for now, predicting future movements remains uncertain. Upcoming economic data and speeches from Federal Reserve officials will likely play a significant role in determining the trajectory of mortgage rates. Critical reports on inflation, job growth, and other economic factors could either stabilize rates further or push them higher in the coming weeks.
 
The stabilization of mortgage rates is welcome news for prospective homebuyers and homeowners looking to refinance, especially after recent fluctuations. While the "sideways" movement provides some certainty, the long-term outlook remains uncertain, and the Fed's ongoing adjustments to monetary policy could influence future rate changes. 
Mortgage Rates Stabilize After Recent Volatility, But Uncertainty Remains
After a period of volatility where mortgage rates increased by about 0.25%, rates have now found some stability. While today's rates are slightly lower compared to yesterday, the overall movement is seen as "sideways," meaning the recent losing streak has slowed, giving borrowers and lenders a brief moment of relief. Despite these fluctuations, current rates remain among the lowest seen in nearly a year, providing a favorable opportunity for homebuyers and those considering refinancing.
 
While rates are stable for now, predicting future movements remains uncertain. Upcoming economic data and speeches from Federal Reserve officials will likely play a significant role in determining the trajectory of mortgage rates. Critical reports on inflation, job growth, and other economic factors could either stabilize rates further or push them higher in the coming weeks.
 
The stabilization of mortgage rates is welcome news for prospective homebuyers and homeowners looking to refinance, especially after recent fluctuations. While the "sideways" movement provides some certainty, the long-term outlook remains uncertain, and the Fed's ongoing adjustments to monetary policy could influence future rate changes. 
 
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, check Nadlan Capital Group.
 
Continue reading on our site: Mortgage Rates Stabilize After Recent Volatility, But Uncertainty Remains | ‎נדל"ן ולעניין - השקעות בארה"ב
#MortgageRates
#InterestRates
#Homebuyers
#Refinancing
#FederalReserve

Mortgage Rates Rise Despite Federal Reserve Interest Rate Cut: What It Means for the Market

Despite the Federal Reserve’s first interest rate cut of 2025, mortgage rates have unexpectedly risen. The Fed lowered its target federal funds rate by 0.25 percentage points, from 4.25% to 4.00%. This move, widely anticipated, initially spurred optimism in the stock market but led to an increase in long-term Treasury yields, such as the 10-year and 30-year bond yields. 
 
This rise in long-term yields has resulted in higher mortgage rates, as these rates are often influenced by the yields on Treasury bonds.
 
The Fed’s decision to cut rates signals potential future rate cuts but also raised concerns in the bond market. Investors interpreted the move as the Fed stepping back from its focus on inflation, which pushed long-term bond prices down and yields up. 
 
This contrast between stock market optimism and bond market caution highlights differing market priorities. The bond market is concerned about inflation risks, while the stock market hopes for economic stimulus from the Fed's rate cuts.
 
For consumers, particularly homebuyers and those looking to refinance, the rise in mortgage rates could make borrowing more expensive, dampening affordability. Although the Fed's rate cut was intended to ease financial conditions and stimulate the economy, the bond market’s reaction suggests that its impact on long-term borrowing costs may be limited.
 
For direct financing consultations or mortgage options for you visit  Nadlan Capital Group.
Continue reading on our site: Mortgage Rates Rise Despite Federal Reserve Interest Rate Cut: What It Means for the Market | ‎נדל"ן ולעניין - השקעות בארה"ב
#MortgageRates #FederalReserve #InterestRateCut #HousingMarket #Homebuying

Home Flipping Profits Drop Amid Rising Costs and Tightening Margins

The home-flipping market has encountered significant challenges, with rising home prices and increased acquisition costs squeezing profit margins. According to ATTOM’s Q2 2025 U.S. Home Flipping Report, the number of homes flipped dropped to 78,621, accounting for 7.4% of all home sales, reflecting a decline from both the previous quarter and the same period in 2024. 
 
The average return on investment (ROI) for flipped properties has dropped to 25.1%, the lowest since Q2 2008, largely due to higher property prices. The gross profit from flipping homes also declined, with the average profit falling 13.6% year-over-year, from $75,000 to $65,300.
 
 In Q2 2025, the average cost for home flippers was $259,700, the highest median purchase price recorded. Despite the increase in costs, the median sales price for flipped properties remained at $325,000, resulting in a narrow gap that makes it harder for flippers to generate significant returns. The increased competition from traditional buyers further exacerbates this issue, particularly in high-demand markets.
 
While national trends show a slowdown, some regions are still seeing significant flipping activity. Cities in Georgia, like Warner Robins, Macon, and Atlanta, have high flipping rates, with Warner Robins leading the way at 18.5% of total home sales. However, cities like Seattle, Boston, and Portland show lower flipping rates due to high real estate prices and slower property turnover. 
 
For direct financing consultations or mortgage options for you visit  Nadlan Capital Group.
Continue reading on our site: Home Flipping Profits Drop Amid Rising Costs and Tightening Margins | ‎נדל"ן ולעניין - השקעות בארה"ב
#HomeFlipping #RealEstateInvesting #PropertyProfits #HousingMarketTrends  #HomeRenovation