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Insufficient Income Becomes Leading Cause for Mortgage Denials in U.S.

Insufficient Income Becomes Leading Cause for Mortgage Denials in U.S.

Insufficient Income Becomes Leading Cause for Mortgage Denials in U.S.

Housing Costs Impede Family Formation for U.S. Millennials and Gen Z

Housing Costs Impede Family Formation for U.S. Millennials and Gen Z

A study by Habitat for Humanity, based on responses from 30,000 individuals across 22 countries, reveals that 62% of millennials and Gen Z members consider housing costs a significant barrier to starting a family. The report, titled 'A Home, But At What Cost?', indicates that for these younger generations, paying rent or a mortgage often means postponing other crucial life plans, including having children, saving money, or even meeting basic needs. Globally, 75% of respondents reported cutting back on essential expenses like food and healthcare due to housing costs, with this figure rising to 81% among younger generations. In the United States, 42% of participants do not expect to ever own a home, a sentiment that reflects the profound impact of housing affordability on long-term life goals. The study also highlights that 35% of individuals view housing-related issues as a primary source of stress, and renters report a greater negative impact on their health compared to homeowners.

Mortgage Rates Reach Nearly Three-Year High, Causing Decline in Demand

Mortgage Rates Reach Nearly Three-Year High, Causing Decline in Demand

Mortgage Rates Reach Nearly Three-Year High, Causing Decline in Demand

Volatile Treasury Market Leads to Plunge in Mortgage Rate Lock Volumes in September

Volatile Treasury Market Leads to Plunge in Mortgage Rate Lock Volumes in September

Volatile Treasury Market Leads to Plunge in Mortgage Rate Lock Volumes in September

Rising Mortgage Rates Drive Borrowers to Adjustable-Rate Loans

Rising Mortgage Rates Drive Borrowers to Adjustable-Rate Loans

Rising Mortgage Rates Drive Borrowers to Adjustable-Rate Loans

Average long-term US mortgage rate at highest level in nearly 3 years after 7th weekly rise in a row

Average long-term US mortgage rate at highest level in nearly 3 years after 7th weekly rise in a row

Mortgage rates marched higher for the seventh week in a row, driving the average long-term U.S. home loan rate to its highest level in nearly three years

National Housing Conference Report Reveals Significant Decline in U.S. Homeownership Affordability for Workers

National Housing Conference Report Reveals Significant Decline in U.S. Homeownership Affordability for Workers

A new report from the National Housing Conference (NHC), titled 'Priced Out: When a Good Job Isn’t Enough,' indicates a substantial decline in homeownership affordability across the United States. In 2025, only 14% of occupations across hundreds of metropolitan areas could afford a typically priced home with a 10% down payment. This marks a significant drop from 2020, when workers could afford homeownership in 32,794 occupation-metro pairings; by 2025, this number had fallen to 12,189, representing a loss of 20,605 pairings. The study, which analyzes the gap between wages and housing costs for nearly 300 occupations across 390 metropolitan areas, highlights that the affordability crisis is not limited to lower-wage workers. The average annual salary among occupations that lost the ability to purchase a home was $70,283. Furthermore, the number of metropolitan areas requiring an annual salary above $100,000 to afford a typically priced home increased dramatically from 30 in 2019 to 193 in 2025. Renters are ...

Zillow predicts major mortgage rate, housing market change

Zillow predicts major mortgage rate, housing market change

The real estate technology company forecasts a key shift for homebuyers and sellers.

Real Estate Investments Span Residential and Commercial Properties, Swiss Re Manages Global Portfolio

Real Estate Investments Span Residential and Commercial Properties, Swiss Re Manages Global Portfolio

Real Estate Investments Span Residential and Commercial Properties, Swiss Re Manages Global Portfolio

Pay raises trail inflation so Ramit Sethi says, "Ask for $5,000"

Pay raises trail inflation so Ramit Sethi says, "Ask for $5,000"

Your 2027 raise won't keep pace with inflation. One money expert has a bold ask that could change that.

Federal National Mortgage Association (FNMA) Provides Extensive Residential Mortgage Financing in the U.S.

Federal National Mortgage Association (FNMA) Provides Extensive Residential Mortgage Financing in the U.S.

Federal National Mortgage Association (FNMA) Provides Extensive Residential Mortgage Financing in the U.S.

Hawaii Maintains Lowest Property Tax Rate in U.S. Despite High Home Values

Hawaii Maintains Lowest Property Tax Rate in U.S. Despite High Home Values

Hawaii continues to hold the distinction of having the lowest effective property tax rate in the United States, with homeowners paying approximately 0.29% of their home's value annually. This rate is at the bottom of the national range tracked by the Tax Foundation. This structural advantage is attributed to Hawaii's unique administrative setup, where counties manage property taxes, and the state operates a single statewide public school system funded at the state level. This removes a significant cost driver that typically pushes local property levies higher in other states. Additionally, Hawaii generates substantial revenue through its general excise tax, which broadly applies to goods and services, and through taxes on tourism and transient accommodations. These alternative revenue streams reduce the pressure on counties to increase homeowner property tax rates to fund essential services. While the percentage rate is low, the high median home values in Hawaii, particularly on islands like Oahu and Maui ...