Q4 is here and housing headlines are heating up. This week, we look at how a government shutdown could disrupt deals just as buyers regain confidence, explore shifting migration trends across the U.S., and uncover a huge opportunity among move-up sellers—most of whom need a mortgage. We also examine how brokers are adjusting their strategies to tap into the investor market with nonconforming loans. Each of these developments spells opportunity for smart mortgage and real estate pros ready to adapt. Let’s break it down.
Government Shutdown Could Disrupt Housing Market
Read the Full Story → Morningstar
A looming government shutdown could put a serious dent in home-buying momentum. With fall activity picking up, federal disruptions would delay FHA and VA loan processing, among other critical services. The timing couldn’t be worse.
The article warns that if Congress doesn’t pass a funding bill soon, many housing-related federal agencies could be forced to close or scale back operations. This could leave homebuyers in limbo, waiting on paperwork they can’t control.
Despite this, buyer interest remains strong, and agents report increased activity from clients re-entering the market. It’s a race against the political clock to prevent the government shutdown from derailing these transactions.
Americans Are On the Move Again
Read the Full Story → MPA
A new LendingTree survey shows that 40% of Americans are considering a move within the next year—a notable jump from prior years. Top reasons include cost of living, job changes, and desire for more space.
The trend appears strongest among millennials and Gen Z, with many eyeing suburban or smaller metro areas as they look for affordability and flexibility. Southern states continue to attract movers, while major coastal cities see more outflow.
This uptick in planned migration means new markets are heating up. It’s a great time to realign marketing efforts and partnerships to match where people are going.
69% of Move-Up Sellers Need a Mortgage — Let’s Get Them
If you’re looking to connect with more serious, ready-to-move buyers before anyone else does, MoveTube is your new secret weapon.
Here’s the scoop: In 2024, 69% of all move-up buyers needed a mortgage—and nearly all of them came through listing agents. MoveTube helps you build strong relationships with those agents by giving them something they can’t say no to: a way to get their listings on streaming TV. When you help agents win more listings, they send those seller-buyers your way.
This isn’t about cold-calling or chasing agents. This is about giving them real value that puts you in the referral seat. And the best part? There’s an on-demand, AI-powered demo that walks you through exactly how it works—and answers your questions on the spot.
Click it, Watch it, Get it, Win!
Brokers Shift Focus to Investor-Owned and Nonconforming Loans
Read the Full Story → Scotsman Guide
As traditional volume dips, many brokers are turning to investor-owned properties and non-QM loans to stay competitive. According to new data, the share of investor-owned properties rose to 26.5% in Q2—25, marking a 2.5% jump year-over-year.
This shift is driving more interest in nonconforming loan products, including DSCR and bank statement loans. These tools are increasingly popular among self-employed investors who don’t qualify under standard income requirements.
The pivot suggests brokers are finding creative ways to serve niche buyers in a tighter lending environment—a trend that may stick well into 2026.
Loan Officer Perspective
Loan officers, these stories are gold. The government shutdown may seem like a setback, but it gives you a perfect excuse to check in with pre-approved clients and keep them moving. Migration shifts? Target those inbound buyers. And with MoveTube, you have a killer way to form agent alliances that deliver high-intent leads. Don’t sleep on the non-QM market either—there’s business to be had if you’re ready to learn the products.
Real Estate Agent Perspective
Agents, you are in the driver’s seat. These stories reinforce how vital your role is: whether it’s helping sellers become buyers, guiding relocating clients, or navigating federal hiccups. MoveTube is a serious listing differentiator—get it in your toolbox now. As more buyers shift into smaller or emerging markets, you have a chance to build early loyalty by educating them on their new neighborhoods.
Home Buyer & Seller Perspective
Buyers and sellers, the market is full of opportunity—if you’re ready. Be aware that government shutdown activity might affect your loan process, so stay connected with your mortgage and real estate team. If you’re thinking of moving, you’re not alone. There’s a whole wave of Americans exploring new cities, and chances are, someone is eyeing yours. If you’re curious about what’s possible, reach out to the pro who shared this post. They’re here to help you make the right move.
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