The Nadlan Group Real Estate Podcast

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

What Is a FICO Score and Why It Matters More Than You Think

For years, one number has played a major role in financial decisions: the FICO score. Whether you’re applying for a mortgage, a car loan, a credit card, or even an apartment, this score often determines what doors open—and which ones stay closed.
 
A FICO score is a three-digit number that ranges from 300 to 850. It’s designed to show lenders how risky it may be to lend you money. The higher the score, the lower the risk. Most people fall somewhere in the middle, and even small changes can make a big difference in approval and interest rates.
 
Your FICO score is built from five main parts. The most important is payment history. This shows whether you pay your bills on time. Late payments, collections, or defaults can lower your score quickly. Next is how much you owe, also known as credit utilization. This looks at how much of your available credit you’re using. Lower balances usually help your score.
 
The length of your credit history also matters. Older accounts and a longer track record can work in your favor. New credit plays a role too. Opening several accounts or having many credit checks in a short time can hurt your score. Finally, credit mix looks at the types of credit you use, such as credit cards, auto loans, or student loans.
 
One important thing to know is that you don’t have just one FICO score. You have several, depending on which credit bureau and which scoring model a lender uses. Mortgage lenders often use older versions, while credit card companies may rely on newer ones.
 
Improving your FICO score doesn’t happen overnight, but there are clear steps that help. Paying every bill on time is the most important. Lowering credit card balances can lead to faster improvement. Checking your credit reports for errors and disputing mistakes can also raise your score. Over time, these habits build stronger credit.
 
Your FICO score isn’t just a number. It affects how much you pay, what you qualify for, and how easily you can reach major goals. Understanding it puts you in a better position to take control of your financial future.
 
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/
#HomeBuying2026 #MortgageTrends #FirstTimeBuyers #CreditScoreChanges #HousingMarket

Mortgage Credit Rules Are Changing in 2026 What Homebuyers Need to Know

For years, one number decided whether you could buy a home: your credit score. A score of 620 became the quiet cutoff for most conventional mortgages. But starting in 2026, that rule is losing its grip—and that’s a big shift for buyers.
 
Mortgage lenders are moving away from judging borrowers by a single score and toward a fuller view of financial behavior. That change could open doors for renters, first-time buyers, and people with limited credit history.
 
Here’s what’s changing and why it matters.
Conventional loans backed by Fannie Mae and Freddie Mac no longer require a set minimum credit score. Instead of focusing on one number, lenders can now look at the bigger picture—things like cash reserves, debt levels, payment patterns, loan purpose, and even the type of property being purchased.
 
At the same time, new credit models are rolling out. Tools like VantageScore 4.0 and FICO 10T don’t just look at where your credit stands today. They track how you manage money over time and can include rent, utility, and phone payments. That means people who consistently pay their bills—but never had traditional loans—may finally get credit for it.
 
This doesn’t mean credit scores no longer matter. Lenders are still cautious, and many will continue to use traditional scores alongside these newer models. Strong credit habits still help you qualify for better rates, lower fees, and more loan options.
 
But the key difference is this: in 2026, buying a home won’t depend on a single number alone. Mortgage approval is becoming more flexible, more realistic, and more aligned with how people actually live and pay their bills today.
 
For buyers who felt locked out before, this shift could be the opening they’ve been waiting for.
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/behind-on-student-loans-how-to-still-get-approved-for-an-apartment/
#HomeBuying2026 #MortgageTrends #FirstTimeBuyers #CreditScoreChanges #HousingMarket

Behind on Student Loans How to Still Get Approved for an Apartment

Falling behind on student loan payments can make renting an apartment harder, but it does not automatically close the door on housing. As education debt continues to rise, more renters are running into this issue, and landlords are seeing it more often. While missed payments can raise red flags, there are practical steps renters can take to improve their chances of getting approved.
The first and most important step is to show that you are taking action on your student loans. Even making one payment, enrolling in deferment or forbearance, or starting a rehabilitation or consolidation program can help. What matters most is proof that you are addressing the problem. Documentation showing you’ve entered a repayment or relief plan can go a long way with a landlord.
Honesty also matters. Most landlords review credit reports, and student loan delinquencies can lower scores quickly. Instead of hoping the issue is overlooked, explain what happened and what you’re doing now to recover. Many property managers are becoming more flexible as student loan struggles become more common, especially when renters are open and proactive.
It’s also important to highlight your strengths. Credit is only one part of a rental application. Stable income, steady employment, positive rental history, and savings can help offset credit concerns. Some landlords may be willing to accept a higher upfront payment if they feel confident you can afford the rent, though renters should always check local deposit limits.
If credit is a major hurdle, a cosigner or guarantor can help. Having someone with strong credit back the lease can significantly improve approval odds. If that’s not an option, short-term solutions like roommates or subleasing can provide time to repair credit.
Finally, if you’re denied, don’t be afraid to follow up. Ask if you can provide more information, review your credit report for errors, and dispute any incorrect data. Past-due student loans can complicate renting, but with the right approach, they don’t make housing impossible. 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/behind-on-student-loans-how-to-still-get-approved-for-an-apartment/
RentingTips #StudentLoanDebt #HousingAffordability #CreditRepair #RentersAdvice

Mortgage Rates Touch Two Month Lows as Year End Calm Continues

Mortgage rates closed out the week at their lowest levels in roughly two months, offering a small but meaningful bit of relief for borrowers. Even though overall market activity stayed quiet, a slight shift was enough to push rates back to levels last seen in late October.
Mortgage rates closely follow the bond market, and during calm trading periods—especially at the end of December—rates often move very little. That was mostly the case on Friday. Bond trading volume was light, with fewer investors active ahead of the holidays. Still, the modest improvement was enough to move rates lower and lock in the best levels seen in weeks.
For borrowers, even small changes matter. After a long stretch of elevated borrowing costs, any downward movement can impact monthly payments, qualification limits, and overall affordability. While this latest drop doesn’t signal a major trend shift, it does show that rate pressure has eased slightly heading into year-end.
The quiet conditions are expected to continue into next week. With a holiday-shortened schedule and many market participants still away, mortgage rates are likely to stay within a narrow range. Minor day-to-day changes are possible, but sustained movement—either higher or lower—will be difficult without stronger market participation.
That dynamic is likely to change as soon as the new year begins. Once January arrives, investors will return, trading volume will pick up, and fresh economic data will start to shape expectations. Reports on inflation, employment, and economic growth will play a much larger role in determining where mortgage rates head next.
For now, rates are ending the year on a positive note. While the improvement is modest, it gives buyers and homeowners a bit more breathing room as they look ahead and plan for 2026. 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/2025/12/mortgage-rates-touch-two-month-lows-as-year-end-calm-continues/
#MortgageRates #HousingMarket #InterestRates #Homebuyers #RealEstateNews

November Home Sales Lose Momentum as Inventory Tightens

After several years of high mortgage rates and fast-rising home prices, many Americans are still locked out of homeownership. But as the market looks toward 2026, economists are starting to see early signs that conditions may slowly improve. According to reporting from CNN, higher incomes, easing price pressure, and a possible increase in housing supply could help reset the market.
Some analysts are already framing next year as a turning point. Redfin has labeled 2026 “The Great Housing Reset,” while Compass says the market may be entering a new phase after years of unusually low sales activity.
Home sales have stayed near historic lows even as prices climbed, largely due to limited inventory. Mike Simonsen, chief economist at Compass, says that could change as more homes finally come to market. He expects sales to rise modestly in 2026 as listings increase and conditions become more balanced. Still, most economists agree any recovery will be slow, not sudden.
Home prices are also expected to stabilize rather than fall. Data cited by the National Association of Home Builders shows prices rose nearly 55% nationwide since 2020. While some markets saw small declines in 2025, forecasts suggest prices may rise just about half a percent in 2026—essentially flat after years of sharp gains.
Inventory remains the biggest challenge. Many homeowners locked in mortgage rates near 3% and have been reluctant to sell. As rates above 6% become the accepted norm, more sellers may decide to move, easing supply pressure.
Mortgage rates have improved slightly, hovering near 6.2%, but economists expect them to stay above 6% for much of next year. Buyer confidence will matter just as much. Jason Waugh, president of Coldwell Banker Affiliates, says job security and income stability will shape demand.
Renters saw brief relief in 2025, but that may not last. With fewer new apartments being built, rents could begin rising again by late 2026.
President Donald Trump has promised aggressive housing reform, focusing on reducing regulations and speeding up construction. While details remain limited, economists agree that more supply is the key to long-term affordability.
The outlook for 2026 isn’t dramatic—but it may finally bring progress.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/2025/12/november-home-sales-lose-momentum-as-inventory-tightens/
#HousingMarket #HomeSales #RealEstateTrends #HousingInventory #Affordability

Trump Signals Sweeping Housing Changes in 2026 as Market Looks for Reset

After several years of high mortgage rates and fast-rising home prices, many Americans are still locked out of homeownership. But as the market looks toward 2026, economists are starting to see early signs that conditions may slowly improve. According to reporting from CNN, higher incomes, easing price pressure, and a possible increase in housing supply could help reset the market.
Some analysts are already framing next year as a turning point. Redfin has labeled 2026 “The Great Housing Reset,” while Compass says the market may be entering a new phase after years of unusually low sales activity.
Home sales have stayed near historic lows even as prices climbed, largely due to limited inventory. Mike Simonsen, chief economist at Compass, says that could change as more homes finally come to market. He expects sales to rise modestly in 2026 as listings increase and conditions become more balanced. Still, most economists agree any recovery will be slow, not sudden.
Home prices are also expected to stabilize rather than fall. Data cited by the National Association of Home Builders shows prices rose nearly 55% nationwide since 2020. While some markets saw small declines in 2025, forecasts suggest prices may rise just about half a percent in 2026—essentially flat after years of sharp gains.
Inventory remains the biggest challenge. Many homeowners locked in mortgage rates near 3% and have been reluctant to sell. As rates above 6% become the accepted norm, more sellers may decide to move, easing supply pressure.
Mortgage rates have improved slightly, hovering near 6.2%, but economists expect them to stay above 6% for much of next year. Buyer confidence will matter just as much. Jason Waugh, president of Coldwell Banker Affiliates, says job security and income stability will shape demand.
Renters saw brief relief in 2025, but that may not last. With fewer new apartments being built, rents could begin rising again by late 2026.
President Donald Trump has promised aggressive housing reform, focusing on reducing regulations and speeding up construction. While details remain limited, economists agree that more supply is the key to long-term affordability.
The outlook for 2026 isn’t dramatic—but it may finally bring progress.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/2025/12/trump-signals-sweeping-housing-changes-in-2026-as-market-looks-for-reset/
#HousingMarket #HomeBuilders #NewConstruction #RealEstateTrends #MortgageRates