Top Quality and Affordable Homes
National |
Average Rate* |
| 30-Year FHA Rate | 5.94% |
| 30-Year Fixed Rate | 5.38% |
| 20-Year Fixed Rate | 6.06% |
| 15-Year Fixed Rate | 5.12% |
| * Conforming FNMA Loan Amount. Rates may include points. | |
Information updated: 1/12/2026
New Home Sales Close 2025 with Modest Gains
New home sales ended 2025 on a mixed but resilient note, signaling steady underlying demand despite ongoing affordability and supply constraints. The latest data released today (and delayed because of the government shutdown in fall of 2025) indicate that while month-to-month activity shows a small decline, sales remain stronger than a year ago, signaling that […]U.S. Economy Ends 2025 on a Slower Note
Real GDP growth slowed sharply in the fourth quarter of 2025 as the historic government shutdown weighed on economic activity. While consumer spending continued to drive growth, federal government spending subtracted over a full percentage point from overall growth. According to the “advance” estimate released by the Bureau of Economic Analysis (BEA), real gross domestic […]Delinquency Rates Normalize While Credit Card and Student Loan Stress Worsens
Delinquent consumer loans have steadily increased as pandemic distortions fade, returning broadly to pre-pandemic levels. According to the latest Quarterly Report on Household Debt and Credit from the Federal Reserve Bank of New York, 4.8% of outstanding household debt was delinquent at the end of 2025, 0.3 percentage points higher than the third quarter of […]Overall Housing Starts Inch Lower in 2025
Despite a strong finish in December, single-family home building dipped in 2025 as persistent affordability challenges continued to weigh on the market. Total housing starts for 2025 were 1.36 million, down 0.6% from the 1.37 million total in 2024. Single-family starts in 2025 totaled 943,000, down 6.9% from the previous year. Multifamily starts ended the […]How Housing Affordability Conditions Vary Across States and Metro Areas
The NAHB 2026 priced-out estimates show that the housing affordability challenge is widespread across the country. In 39 states and the District of Columbia, over 65% of households are priced out of the median-priced new home market. This indicates a significant disconnect between higher new home prices, elevated mortgage rates, and household incomes. New Hampshire […]Orange County, Riverside County, San Bernardino County, Los Angeles County, San Diego Real Estate!
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The Price You Set Can Make (or Break) Your Sale
There’s one decision you're going to make when you sell that determines whether your house sells quickly, or it sits.
The Real Reason Home Sales Slowed in January. And It’s Not What You Think.
If you saw headlines that talked about how “home sales fell sharply in January,” it probably raised an eyebrow – especially if you’re thinking about selling your house. But context matters.
Move-Up Buyers Are Choosing New Construction
At some point, a house that once felt perfect just… doesn’t anymore.
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Inventory Is Making a Comeback in 2026
After a long stretch where buyers were competing for too few homes, inventory has made a comeback over the past year.
