What a Government Shutdown Really Means for the Housing Market

Written by Boca Raton Mortgage Syndicated User on November 7, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates, Buying Tips, Economy, For Buyers, For Sellers, Selling Tips.

There’s been a lot of talk lately about how a government shutdown impacts the housing market. You might be wondering: Is it causing everything to grind to a halt?The short answer? No.The housing market doesn’t stop. It keeps moving. Homes are still being bought and sold, contracts are still being signed, and closings are still happening. The difference is that a few parts of the process may slow down a little, but overall, the market continues to function.Here’s What Typically Happens Whenever the government shuts down, some federal agencies temporarily close or scale back their...

Is the Housing Market Going To Crash? Here’s What Experts Say

Written by Boca Raton Mortgage Syndicated User on October 21, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates, Economy, For Buyers, For Sellers, Forecasts, Home Prices.

If you’ve seen headlines or social posts calling for a housing crash, it’s easy to wonder if home values are about to take a hit. But here’s the simple truth.The data doesn’t point to a crash. It points to slow, continued growth.And sure, it’s going to vary by local area. Some markets will see prices rise more than others. And some may even see small, short-term declines. But the big picture is: home prices are expected to rise nationally, not fall, over the next 5 years.The Real Story Is in the Expert ForecastsIn the Home Price Expectations Survey (HPES) from Fannie Mae, each quarter over...

Why Experts Say Mortgage Rates Should Ease Over the Next Year

Written by Boca Raton Mortgage Syndicated User on October 7, 2025. Posted in Affordability, Boca Raton Mortgage, Boca Raton Mortgage Rates, Economy, First-Time Buyers, For Buyers, For Sellers, Mortgage Rates.

You want mortgage rates to fall – and they’ve started to. But is it going to last? And how low will they go?Experts say there’s room for rates to come down even more over the next year. And one of the leading indicators to watch is the 10-year treasury yield. Here’s why.The Link Between Mortgage Rates and the 10-Year Treasury YieldFor over 50 years, the 30-year fixed mortgage rate has closely followed the movement of the 10-year treasury yield, which is a widely watched benchmark for long-term interest rates (see graph below):When the treasury yield climbs, mortgage rates tend...

What a Fed Rate Cut Could Mean for Mortgage Rates

Written by Boca Raton Mortgage Syndicated User on September 16, 2025. Posted in Affordability, Boca Raton Mortgage, Boca Raton Mortgage Rates, Economy, For Buyers, Mortgage Rates.

The Federal Reserve (the Fed) meets this week, and expectations are high that they’ll cut the Federal Funds Rate. But does that mean mortgage rates will drop? Let’s clear up the confusion.The Fed Doesn’t Directly Set Mortgage RatesRight now, all eyes are on the Fed. Most economists expect they’ll cut the Federal Funds Rate at their mid-September meeting to try to head off a potential recession.According to the CME FedWatch Tool, markets are already betting on it. There’s virtually a 100% chance of a September cut. And based on what we know now, there’s about a 92% chance it’ll be a...

Mortgage Rates Just Saw Their Biggest Drop in a Year

Written by Boca Raton Mortgage Syndicated User on September 11, 2025. Posted in Affordability, Boca Raton Mortgage, Boca Raton Mortgage Rates, Economy, First-Time Buyers, For Buyers, Mortgage Rates.

You’ve been waiting for what feels like forever for mortgage rates to finally budge. And last week, they did – in a big way.On Friday, September 5th, the average 30-year fixed mortgage rate fell to the lowest level since October 2024. It was the biggest one-day decline in over a year.What Sparked the Drop?According to Mortgage News Daily, this was a reaction to the August jobs report, which came out weaker-than-expected for a second month in a row. That sent signals across the financial markets, and then mortgage rates came down as a result.Basically, we’re seeing signs the economy...

What Mortgage Delinquencies Tell Us About the Future of Foreclosures

Written by Boca Raton Mortgage Syndicated User on September 4, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates, Economy, For Buyers, For Sellers, Foreclosures.

You may be seeing headlines about how foreclosures are rising. And if that makes you nervous that we’re headed for another crash, here’s what you should know. According to ATTOM, during the housing crash, over nine million people went through some sort of distressed sale (2007-2011). Last year, there were just over 300,000.So, even with the increase lately, we’re talking about numbers that are dramatically lower. But what does the future hold? Is a wave coming? The short answer is, no.Here’s why. Experts in the industry look at mortgage delinquencies (loans that are more than 30 days past...

History Shows the Housing Market Always Recovers

Written by Boca Raton Mortgage Syndicated User on August 28, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates, Economy, For Sellers, Forecasts, Selling Tips.

Now that the market is slowing down, homeowners who haven’t sold at the price they were hoping for are increasingly pulling their homes off the market. According to the latest data from Realtor.com, the number of homeowners taking their homes off the market is up 38% since the start of this year and 48% since the same time last June. For every 100 new listings in June, about 21 homes were taken off the market.And if you’ve made that same choice, you’re probably frustrated things didn’t go the way you wanted. It’s hard when you feel like the market isn’t working with you. But while slowdowns...

Think It’s Better To Wait for a Recession Before You Move? Think Again.

Written by Boca Raton Mortgage Syndicated User on June 26, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates, Economy, For Buyers, For Sellers.

Fear of a recession is back in the headlines. And if you’re thinking about buying or selling sometime soon, that may leave you wondering if you should reconsider the timing of your move.A recent survey by John Burns Research and Consulting (JBREC) and Keeping Current Matters (KCM) shows 68% of people are delaying plans to buy or sell due to economic uncertainty.But it may not be for the reason you think. Not everyone is holding off because they’re worried. Some buyers are waiting because they’re hopeful. According to Realtor.com:“In 2025Q1, 3 in 10 (29.8% of) surveyed homebuyers said a...

Why Buying Real Estate Is Still the Best Long-Term Investment

Written by Boca Raton Mortgage Syndicated User on June 4, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates, Economy, For Buyers.

Lately, it feels like every headline about the housing market comes with a side of doubt. Are prices going up or down? Are we headed for a crash? Will rates ever come down? And all the media noise may leave you wondering: does it really make sense to buy a home right now?But here’s one thing that doesn’t get enough airtime. Real estate has always been about the long game. And when you look at the big picture, not just the latest clickbait headlines, it’s easy to see why so many people say it’s still the best investment you can make – even now.According to the just-released annual report...

Real Estate Is Voted the Best Long-Term Investment 12 Years in a Row

Written by Boca Raton Mortgage Syndicated User on May 24, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates, Economy, Infographics.

Some HighlightsIn a recent poll from Gallup, real estate has once again been voted the best long-term investment. And it’s claimed that top spot for 12 straight years now.That’s because homeownership is one of the top ways to build your wealth, even with home price growth moderating and ongoing economic uncertainty.If you’ve been trying to decide if it makes sense to buy a home today, connect with an agent to talk about the programs that can help you become a homeowner.

Category: Economy