he U.S. housing market continues to evolve with legislative changes, economic signals, and new opportunities for mortgage and real estate pros. This week, the Senate passed the Road to Housing Act of 2025, a major bipartisan step toward addressing housing affordability and supply. Meanwhile, the Fed signals more rate cuts could still be on the table for 2025, stirring anticipation across financial markets. And a fresh revenue stream is emerging for loan officers and agents through business loan referrals—offering up to $16K per deal. Here’s your snapshot of this week’s most impactful Housing news.
Senate Passes Road to Housing Act of 2025
Read the Full Story → MBA
In a decisive bipartisan move, the Senate passed the Road to Housing Act of 2025 as part of the National Defense Authorization Act (NDAA). This legislation aims to improve housing affordability and availability by reducing regulatory barriers and incentivizing local governments to expand housing development.
The Mortgage Bankers Association (MBA) praised the bill, highlighting its potential to alleviate housing shortages and support a stronger national economy. It encourages more housing starts by addressing land use, permitting delays, and zoning issues—frequent bottlenecks in building supply.
If signed into law, the Act could make a real dent in the Housing inventory crisis. By empowering state and local reforms, it’s poised to spur new construction and offer long-term relief to both buyers and renters navigating limited options.
Fed Still Eyeing Rate Cuts in 2025
Read the Full Story → Yahoo
According to the latest FOMC minutes, Federal Reserve officials remain divided, but many still anticipate additional rate cuts this year. The central bank is balancing optimism about declining inflation with caution over ongoing economic uncertainties.
Despite recent robust job growth and consumer spending, several policymakers signaled openness to cutting rates if inflation continues to ease. The Fed is especially attentive to lagging housing data and broader affordability trends, which are deeply impacted by mortgage rates.
The prospect of lower rates in late 2025 could inject new life into the Housing market. If inflation keeps trending downward, rate cuts may create a more favorable borrowing environment for homebuyers and investors alike.
LOs & Realtors Earn 8 Points by Referring Business Loans
Get More Info → WorkWithARF
Loan officers and real estate agents are discovering a high-value opportunity: referring business owner clients for working capital and line of credit solutions. By simply making a referral, LOs and agents can earn up to 8 points—4 at closing, and 4 over the following year.
Megan Pavone recently highlighted this referral program on Loan Officer Breakfast Club. With the average business loan size around $200,000, agents and LOs can pocket $16,000 from one successful referral—without handling any part of the loan process themselves.
All it takes is connecting a business owner to Megan. She takes it from there. This program opens a new income stream for professionals already well-connected in the small business world. Learn more or get started at WorkWithARF.com.
Remodeling Market Sentiment Ticks Up in Q3
Read the Full Story → Eye On Housing
The NAHB’s Remodeling Market Index rose in Q3 2025, signaling renewed optimism among remodelers and contractors. This shift is attributed to stabilized material costs, improved financing conditions, and pent-up consumer demand for home upgrades.
While large-scale remodels remain flat, demand for small-to-mid-sized projects—like kitchen refreshes, bath updates, and energy-efficient improvements—is gaining traction. Many homeowners are investing in their current properties due to ongoing housing shortages and elevated mortgage rates.
This trend may ease pressure on the tight Housing inventory, as more people choose to upgrade rather than sell. It also supports adjacent industries like construction, materials, and home improvement retail.
Powered by: Mortgage Marketing Animals
Important Links
