In the News

New Construction Price Surprises, Fed Messaging Shift, and FHFA Policy Reversal: What It All Means

July 29, 2025

In 15 States, New Construction Homes Are Now Cheaper Than Resales

Read the full story → Realtor.com

A new analysis reveals a surprising shift in housing economics: in 15 U.S. states, it is now cheaper to buy a new construction home than a resale. Once considered a premium product, newly built homes have become the more affordable option in markets like California, Arizona, and Texas, driven by builder incentives and efficiencies.

In California, new homes are selling for a median price of $700,000—$50,000 less than the median resale. The trend is most pronounced in Sun Belt and Mountain West states, where large-scale builders dominate and have slashed prices, offered aggressive rate buydowns, and streamlined costs to move inventory.

This shift is redefining buyer behavior, especially among first-time and move-up buyers. Loan officers and agents should re-evaluate assumptions about new builds being “too expensive” and focus more on pairing clients with builder-aligned loan options. With inventory tight in the resale market, new construction could be the answer for affordability-seeking buyers.

Loan Officer Insight: Don’t assume resale is cheaper—run real scenarios. Builder partnerships are a strategic edge right now.

Realtor Insight: Rethink your buyer presentations—lead with new construction options, especially in price-sensitive markets.

Fed Chair Powell Signals Rate Cuts Are Possible—But Politics Loom

Read the full story → New York Times

Federal Reserve Chair Jerome Powell indicated that interest rate cuts remain on the table this year, even as political pressure mounts. Former President Donald Trump has openly criticized the Fed, claiming rate cuts are delayed for political reasons. Powell rebuffed these comments but emphasized that future cuts will be data-dependent.

The Fed is watching inflation and labor market metrics closely. If inflation continues to cool—currently hovering near 2.7%—a cut could come as early as September. However, uncertainty surrounding global markets and election-year politics may delay action or introduce volatility.

This development adds another layer of complexity to rate forecasting. Mortgage professionals should stay grounded in client education and flexible strategies. Rather than promising rate direction, advisors can guide clients toward preparedness and clarity amid conflicting headlines.

Loan Officer Insight: Stay neutral, stay strategic. Guide with logic, not predictions.

Realtor Insight: Empower clients with facts, not fear. Keep preapprovals current and flexible.

FHFA Seeks to Repeal Key Fair Lending and Equity Rule

Read the full story → Scotsman Guide

The Federal Housing Finance Agency (FHFA) is proposing to roll back a rule that required Fannie Mae and Freddie Mac to submit Equitable Housing Finance Plans—a major component of the agency’s fair lending framework. Initially adopted in 2022, the rule mandated clear annual plans to improve access for underserved borrowers.

FHFA Director Sandra Thompson argued that the rule is unnecessary because oversight can be handled through informal supervision. Critics contend this weakens fair lending efforts and removes transparency from housing equity initiatives.

This proposed repeal could have ripple effects on affordable lending programs, CRA-aligned partnerships, and broader inclusion efforts. Loan officers working in diverse communities or with specialty programs should monitor this development and be ready to adjust outreach strategies and borrower education efforts accordingly.

Loan Officer Insight: Watch for shifts in CRA or downpayment assistance program support. Stay close to nonprofit partners.

Realtor Insight: If equity efforts slow, hyper-local education will matter more. Reaffirm your value to underserved markets.

Loan Officer’s Perspective

  • Partner with builders now—new homes may be your best affordability solution in 15+ states.
  • Educate without predicting—use Fed uncertainty as a trust-building moment with clients.
  • Track CRA and equity program changes—prepare for a reshuffling of incentives and oversight.

Realtor’s Perspective

  • Pitch new construction differently—many buyers don’t realize it may now be the cheaper option.
  • Keep rate noise in check—help buyers act on readiness, not hypotheticals.
  • Double down on underserved outreach—market shifts may reduce institutional support, increasing your role.
Get Access To The Loan Officer Breakfast Club here

Fannie Mae Taps Barry Habib as Zillow Lowers Forecast—Here’s What It Means

July 28, 2025

What’s New in Housing This Week
This week’s real estate and mortgage headlines highlight a major leadership shift: Barry Habib, one of the most trusted figures in mortgage forecasting, has joined the Fannie Mae board of directors. Meanwhile, Zillow has downgraded its home price forecast across more than 400 markets, pointing to a broader national slowdown. And political tension between President Trump and Fed Chair Jerome Powell adds uncertainty to the future of interest rates. Here’s what mortgage professionals and Realtors should take away from the latest market movements.

Barry Habib Named to Fannie Mae Board of Directors

Read the full story → Scotsman Guide

Mortgage strategist Barry Habib has been appointed to the Fannie Mae board of directors, effective July 21, 2025, according to an SEC filing. Habib, founder of MBS Highway, is well known for his award-winning market forecasting and for being a long-time advocate for loan originators and industry clarity.

His appointment comes as mortgage liquidity, affordability, and credit access remain central challenges. Habib has been a public critic of Federal Reserve MBS policy and has emphasized the unintended consequences of long-term intervention. His perspective could influence how Fannie Mae navigates future product risk, GSE reform, and the evolving balance between public mission and market stability.

With Habib now inside the policy circle, loan officers and Realtors have a unique opportunity to leverage his insights with added authority. His presence on the board could impact upcoming Fannie Mae guidance, especially around housing finance access, pricing, and innovation.

Loan Officer Insight:

  • Reference Habib’s appointment in your messaging to increase client trust and industry credibility.
  • Use his board position to explain secondary market factors in simple, client-friendly terms.

Realtor Insight:

  • Cite Habib’s insights when discussing market trends or pricing hesitations with buyers and sellers.
  • His leadership lends weight to timing conversations and trust-building with hesitant clients.

Zillow Revises Home Price Forecast—26% of Listings Cut Prices

Read the full story → Fast Company

Zillow has adjusted its national forecast downward, now expecting U.S. home prices to decline by 0.7% from May 2025 to May 2026. This marks a significant revision from earlier expectations and reflects a slower market with less upward pressure on prices.

Nearly 26% of listings received price cuts in May—more than in any previous May on record. National year-over-year appreciation has slowed to just 0.4%. While some metros like Knoxville, TN, and Kingston, NY, are forecasted to gain modest value, a majority of markets are entering a flat or softening phase.

The updated forecast presents an opportunity for buyers to re-enter the market with stronger leverage, while sellers must now price competitively to stand out. For agents and lenders alike, it’s a moment to realign expectations and focus on education and adaptability.

Loan Officer Insight:

  • Use price softening trends to reengage pre-approved buyers who paused due to affordability concerns.
  • Emphasize payment-focused planning tools and explain how price stability supports long-term ownership.

Realtor Insight:

  • Prep sellers for a more competitive landscape and longer time on market.
  • Use the Zillow report to support strategic pricing and motivate quicker listing decisions.

Trump vs. Powell: Fed Chair Faces Political Fire as Rates Hold Steady

Read the full story → CNN

President Trump is intensifying public attacks on Federal Reserve Chair Jerome Powell, criticizing both interest rate policy and the $2.5 billion renovation of the Fed’s headquarters. While legal precedent protects Powell from removal without cause, the political pressure is ramping up as inflation lingers and markets wait for potential rate cuts.

Powell has stated he intends to complete his term, which ends in May 2026. Despite the political backdrop, Fed officials remain cautious about easing too soon. Inflation and global uncertainty, including tariffs and Treasury sell-offs, continue to influence decision-making.

This unfolding conflict may delay hoped-for rate cuts or shift bond market sentiment, impacting mortgage rates in the second half of the year. Clients may hear noise about political infighting, but professionals must stay focused on fundamentals and clear communication.

Loan Officer Insight:

  • Monitor messaging for potential shifts in rate policy sentiment—but avoid speculation.
  • Use political headlines to reinforce the value of pre-approval, rate locks, and scenario planning.

Realtor Insight:

  • Help clients cut through political noise by focusing on today’s numbers and local opportunities.
  • Be ready with clear answers when rate concerns come up during showings or buyer consults.

Loan Officer’s Perspective

  • Barry Habib’s board appointment provides new clarity—reference his insights in client updates.
  • Zillow’s forecast is a strong conversation starter—help clients pivot strategy, not panic.
  • Rate volatility from political conflict underscores the need for lock-and-shop options.
  • This is the time to reengage paused buyers with updated pricing and affordability conversations.

Realtor’s Perspective

  • Use Zillow’s forecast to help clients understand the shift toward price realism.
  • Habib’s influence adds confidence—mention his board role in newsletters or listing consults.
  • Anticipate buyer questions about interest rates—align with a trusted LO to offer answers.
  • Position yourself as the steady voice in a noisy market.

Get Access To The Loan Officer Breakfast Club here

Fannie Mae Forecast, Trump on Powell, GSE Stock Surge

July 25, 2025

Fannie Mae Forecasts Lower Mortgage Rates and Cooler Home Price Growth
Read the full story → Scotsman Guide

Fannie Mae revised its housing outlook in July, projecting lower mortgage rates by year-end and a deceleration in home price growth. This marks a significant shift from earlier in the year, reflecting improving inflation data and expectations of a softer rate environment.

Key revisions include a drop in the expected 30-year fixed rate to 6.4% by Q4, and annual home price growth slowing from 6.8% to 4.8%. Purchase mortgage originations were also revised upward to $1.4 trillion for 2025, highlighting optimism about buyer activity.

The updated outlook suggests that affordability conditions may gradually improve, allowing sidelined buyers to re-enter the market. However, tight inventory and elevated home prices remain critical obstacles.

Loan Officer Insight: Be proactive. Lower rate projections mean more purchase power later this year. Start prepping clients now to lock in at the right time, and use the price moderation forecast as an anchor for value conversations.

Realtor Insight: Emphasize the window of opportunity. Sellers may need to adjust expectations, while buyers should stay engaged with preapprovals and regular check-ins.

Trump: Powell Likely to Cut Rates Soon
Read the full story → CNBC

In a recent interview, former President Donald Trump stated his belief that Federal Reserve Chair Jerome Powell is “ready to start lowering rates,” citing slowing inflation and rising pressure from political and economic forces.

While Powell and the Fed have not formally signaled a rate cut, market participants are already pricing in the potential for a move by fall 2025. This speculation is further fueling optimism in mortgage markets and boosting investor sentiment.

If rate cuts materialize, the impact on borrowing costs could be substantial—especially for purchase and refinance activity. But professionals should stay grounded in economic data, not political commentary.

Loan Officer Insight: Keep your clients focused on the facts, not headlines. Rate cut talk creates buzz, but clear strategies around lock windows, refi opportunities, and payment flexibility build real trust.

Realtor Insight: Messaging matters. Even if cuts aren’t imminent, buyer perception of future affordability can reignite interest. Use this to spark conversations with fence-sitters.

GSE Reform Buzz Sends Fannie & Freddie Stocks Higher
Read the full story → Barron’s

Fannie Mae and Freddie Mac shares surged this week amid renewed speculation that the Biden administration may advance reforms to end the companies’ 16-year conservatorship. Though no formal action has been taken, investor optimism grew following remarks from regulators and lawmakers.

PulteGroup’s stock also saw gains as builder sentiment continues to rise in light of lower rate forecasts and policy stability. The overall takeaway? The market sees structural shifts ahead.

Any major movement with GSE reform would have ripple effects across the mortgage landscape—from underwriting policy to secondary market pricing.

Loan Officer Insight: Keep tabs on how GSE policy could evolve. Loan guidelines, LLPAs, and eligibility rules could shift rapidly if reform talks progress. Position yourself as a steady voice amid uncertainty.

Realtor Insight: Use the stock movement and policy buzz as an opening to discuss the broader housing finance system with clients who are more financially savvy. It’s a great way to show deeper industry knowledge.

Loan Officer’s Perspective

  • Revisit preapprovals: Lower rates ahead mean buyers’ budgets could expand. Stay ahead of the curve.
  • Prep rate watchers: Use current volatility as a reason to start now, not wait.
  • Track GSE shifts: Policy reform can reshape lending norms—stay informed, stay competitive.

Realtor’s Perspective

  • Educate on price moderation: Fannie’s 4.8% projection can help calm buyer FOMO.
  • Leverage rate buzz: Use Trump’s rate cut comments to reignite conversations.
  • Discuss macro trends: Builder and GSE stock gains offer context to anchor client strategy.
Get Access To The Loan Officer Breakfast Club here

Fed Skepticism, Housing Headwinds, and a Push for ADU Growth

July 24, 2025

Investors Are Expecting ‘Way Too Many’ Rate Cuts From the Fed, History Shows

Read the full story → CNBC

Recent analysis from CNBC highlights a growing disconnect between investor expectations and the Federal Reserve’s likely path for rate policy. While markets are pricing in up to four rate cuts over the next year, economists point to historical precedent suggesting a far more cautious Fed trajectory.

Historically, the Fed has only cut rates multiple times in quick succession when faced with significant economic downturns or financial instability. As inflation stabilizes but remains above the 2% target, most analysts expect the Fed to move slowly, possibly cutting rates once or twice at most through mid-2026.

For the housing market, this signals a prolonged period of higher borrowing costs. Market volatility may increase as investors recalibrate expectations. Loan officers should prepare clients for a “higher for longer” environment and emphasize strategic planning over short-term rate speculation.

Loan Officer Insight: Help clients shift focus from Fed forecasts to financing fundamentals. Lock-and-shop strategies, buydowns, and ARMs should stay top-of-mind for affordability.

Realtor Insight: Set realistic expectations with buyers. Rates may not move meaningfully in the short term, so purchasing decisions should be based on need, not rate hopes.

Bipartisan Bill Could Make It Easier to Build ADUs, Tiny Homes

Read the full story → CNBC

A new bipartisan bill introduced in Congress aims to expand housing access by making it easier for homeowners to build accessory dwelling units (ADUs) and tiny homes. The proposed legislation would unlock federal funding and streamline local permitting processes, encouraging municipalities to support small-scale infill development.

ADUs—such as backyard cottages or garage conversions—are viewed as a key tool for increasing density in tight housing markets without large-scale construction. The bill has support from both housing advocates and libertarian-leaning lawmakers who favor deregulation and property rights.

If passed, the bill could provide new opportunities for multigenerational living, rental income, or aging-in-place strategies. For real estate professionals, this means staying ahead of local implementation and helping clients navigate new ADU financing or permitting options.

Loan Officer Insight: Stay updated on ADU lending guidelines. Prepare to offer renovation and construction loan options tied to these accessory builds.

Realtor Insight: Position ADU potential as a value add—especially for investors, multi-gen buyers, or house hackers looking for supplemental income.

Lowest Existing Home Sales in 30 Years Projected by Midyear Housing Forecast

Read the full story → Scotsman Guide

The National Association of Realtors’ (NAR) midyear forecast projects just 3.9 million existing home sales in 2025—the lowest annual total since the early 1990s. The culprits: elevated mortgage rates, affordability challenges, and record-low inventory.

Median prices have risen nearly 7% year-over-year, further sidelining first-time buyers. Even seasoned homeowners are holding tight, unwilling to trade low-rate mortgages for today’s higher costs. While new construction has filled some of the gap, it hasn’t been enough to offset the deep freeze in resale activity.

This signals a challenging second half for volume-based businesses. Success will require proactive pipeline management, niche targeting, and creative solutions to help clients compete despite constrained supply.

Loan Officer Insight: Revisit your preapproved pipeline weekly. Use this data to drive urgency and reinforce financing strategies that boost offer strength.

Realtor Insight: Target move-up buyers and investors with strategic listings and financing ideas. Emphasize preparedness in a low-inventory battlefield.

Loan Officer’s Perspective

  • Prep clients for a slower Fed path: Set expectations early and explain lock strategies.
  • Promote ADU financing as a smart affordability tool—especially for aging parents or income generation.
  • Reengage cold leads with urgency around record-low existing home inventory and rising prices.
  • Partner with builders on ADU-friendly and entry-level new construction opportunities.

Realtor’s Perspective

  • Educate sellers on how ADUs can boost listing appeal and property value.
  • Reframe rate conversations—focus on lifestyle goals, not market timing.
  • Host buyer webinars on competing in low-inventory environments.
  • Look for listings with ADU potential or multigenerational layouts to differentiate.
Get Access To The Loan Officer Breakfast Club here

Major Shifts in Mortgage Rates and Housing Policy: What’s Next?

July 23, 2025

Mortgage Rate Whiplash Could Be Coming, Says Analyst

Read the full story → TheStreet

Mortgage rates may soon experience sharp movement—up or down—according to housing market analyst Logan Mohtashami of HousingWire. He highlights increasing volatility in the bond market and hints that 30-year mortgage rates, currently hovering near 7%, could either drop quickly or spike again depending on upcoming economic signals.

Mohtashami attributes this possible shift to market reactions around inflation data, economic uncertainty, and weakening job growth. If labor data continues to soften or inflation comes in under expectations, rates could drop meaningfully. Conversely, any surprises in inflation or Treasury market disruptions could drive rates higher again.

His key message for consumers and professionals: Be prepared for big rate moves, not flatlining trends. For mortgage professionals, this volatility reinforces the importance of proactive borrower education and flexible lock strategies.

Loan Officer Insight: Use this opportunity to reconnect with floating preapprovals. Provide clarity on rate volatility and offer rate cap or float-down options to minimize risk.
Realtor Insight: Partner with lenders offering rapid preapproval updates—today’s prequal may not match next week’s rates.

Trump Pushes for Fed Chair Powell to Resign Ahead of 2026 Term End

Read the full story → CNN

In a move that could introduce more uncertainty into financial markets, former President Donald Trump has called on Federal Reserve Chair Jerome Powell to resign, accusing him of mishandling inflation and rate policy. Powell, whose term ends in May 2026, has not responded publicly to the remarks.

This statement adds fresh political pressure on the Fed, which is already navigating a difficult balancing act: managing inflation that remains slightly above its 2% target while trying not to derail economic growth. Markets reacted with slight unease, as concerns mount about potential leadership instability during a sensitive time for monetary policy.

The implication for mortgage and housing professionals? Continued uncertainty at the Fed may lead to more rate volatility and diminished investor confidence in forward guidance—impacting mortgage pricing and consumer behavior in the months ahead.

Loan Officer Insight: Clients are watching the headlines—be ready to explain what this means for rate trends, not just policy noise.
Realtor Insight: Political headlines can shake buyer confidence. Be the voice of calm by focusing on market fundamentals and local inventory.

HUD Funding Under Fire: Housing Advocates Rally Congress for Restoration

Read the full story → Scotsman Guide

More than 1,500 housing advocacy organizations have joined forces to urge Congress to reverse proposed funding cuts to HUD programs in the FY2025 House bill. The cuts include reductions to the Housing Choice Voucher program, homelessness prevention funding, and assistance for elderly and disabled households.

Advocates warn that these cuts would cause over 600,000 families to lose or be denied housing assistance, worsening already critical affordability and homelessness issues. The move comes at a time when housing demand far outpaces supply and affordability remains a top concern nationwide.

If funding is not restored, it may also place additional pressure on local housing markets, particularly in high-cost regions, where subsidized renters will have even fewer options. Real estate professionals in affected areas may see downstream effects on both inventory and buyer readiness.

Loan Officer Insight: Understand which local programs or buyers may be affected—especially in FHA-heavy areas or affordable housing markets.
Realtor Insight: Advocate for housing equity while preparing clients for shifting qualification pipelines. Connect with community housing partners early.

Loan Officer’s Perspective

  • Reach out to clients waiting for better rates—volatility may create quick lock opportunities.
  • Prep for questions on Fed credibility and rate leadership. Confidence builds conversions.
  • Stay informed on HUD funding status—it may impact affordable lending pipelines.

Realtor’s Perspective

  • Reassure buyers watching headlines—help them focus on what’s actually changing locally.
  • Collaborate with lenders offering scenario planning for quick shifts in affordability.
  • Support housing advocacy efforts that could shape inventory and demand down the line.
Get Access To The Loan Officer Breakfast Club here

Mortgage Rates Hold Steady as Markets Await Fed Action; ADU Financing Bill Gains Steam; Builder Share Consolidates

July 22, 2025

The market’s in a holding pattern as rate chatter cools, but legislative and builder dynamics offer actionable insights for housing professionals.

Mortgage Rates Flat Amid Rate-Cut Uncertainty

Read the full story → Mortgage News Daily

As of Monday, July 21, average mortgage rates are holding steady, with 30-year fixed loans hovering just under 6.8%. This plateau reflects the market’s “wait-and-see” stance ahead of potential Fed decisions. Recent statements from policymakers and inflation data have been mixed, leading investors to temporarily pause major rate bets.

Loan Officer Insight:
A quiet rate window is a strategic time to educate buyers and discuss pre-approval. Emphasize that even small rate shifts can make a big difference in affordability—and that locking in now avoids volatility.

Realtor Insight:
With rates flat, hesitant buyers may be more responsive to re-engagement. Combine this stability with price or builder incentives to nudge action during the summer lull.

Bipartisan Bill Aims to Make Financing ADUs Easier

Read the full story → Scotsman Guide

New bipartisan legislation introduced in Congress would expand financing options for accessory dwelling units (ADUs), such as granny flats or garage conversions. The proposed policy seeks to make it easier for homeowners to tap conventional financing sources for construction or purchase of ADUs—a move aimed at addressing the national housing shortage.

Loan Officer Insight:
Keep an eye on this emerging niche. ADU financing products—especially renovation loans—could be a strong growth area for lenders once policies align.

Realtor Insight:
This is a great opportunity to educate both buyers and investors on long-term income potential through ADU properties. Stay ready to guide clients on zoning and financing updates.

Builder Market Share Concentrates in Top 10 Firms

Read the full story → Eye on Housing

The top 10 builders accounted for 43.2% of all single-family home closings in 2024—a new high, per NAHB analysis. In several metros, such as Houston and Charlotte, a single builder claims over 20% of the local market. This trend suggests growing consolidation in the new-construction space, with implications for pricing and availability.

Loan Officer Insight:
Stronger builder partnerships will be key. As large firms gain more control, align your pipeline and approvals with their timelines and processes.

Realtor Insight:
In metro areas dominated by large builders, you’ll need to differentiate your service and provide value beyond what the sales office offers. Also, stay attuned to builder incentives your buyers may benefit from.

Loan Officer’s Perspective

  • Flat rates present calm before the storm—lock clients before the Fed surprises the market.
  • ADU bill opens future niche financing—prep your product line and marketing.
  • Builder consolidation needs focus—strengthen partnerships with top players.

For additional resources and strategies to support your referral partners and clients effectively, visit DailySuccessPlan.com.

Realtor’s Perspective

  • Now’s the time to re-engage dormant buyers—stable rates help calm nerves.
  • Highlight ADU value—both as a resale feature and income play.
  • In builder-heavy markets—your local insight and negotiating skill are essential.

📩 Ready-to-Send Emails

Loan Officer Email (to Realtor Partners)

Subject: Rates Hold Steady, New ADU Bill Could Boost Buyer Options

Hi [First Name],

Here’s today’s update:

• Mortgage rates are holding steady—great time to help buyers lock in or get preapproved.
• A new bipartisan bill aims to ease financing for ADUs, which could unlock more backyard builds or rentals.
• Top builders now control over 40% of home closings—worth tracking for your new construction deals.

Let’s touch base if you want to co-market some financing or offer buyers summer-ready preapproval help.

Best,
[Your Name]
[Your Contact Info]

Realtor Email (to Clients / SOI)

Subject: Market News: Rates Steady, ADUs May Get Easier to Finance

Hi [First Name],

This week’s update:

• Mortgage rates are steady—great time to revisit preapprovals.
• A new federal bill could make it easier to finance backyard ADUs like granny flats.
• Big builders are expanding their market share—meaning more inventory and incentives in new communities.

Thinking about buying, investing, or renovating this summer? Let me know—I’d be happy to help you explore options.

Warm regards,
[Your Name]
[Your Contact Info]

Get Access To The Loan Officer Breakfast Club here

Fed Officials Support Rate Cuts, Housing Starts Increase, Affordable New-Home Sales Drop

July 21, 2025

Today’s top headlines cover Fed commentary on potential July cuts, shifts in homebuilding activity, and a notable drop in lower-priced new-home sales—all pivotal for your client strategy and advisory conversations.

Fed Officials Support Potential Rate Cuts in July

Read the full story → Scotsman Guide

Recent remarks from Fed governors—including Christopher Waller and Michelle Bowman—express support for potential rate cuts in July, citing controlled inflation and stable labor markets.

Loan Officer Insight:
Leverage this to shape urgent rate-lock discussions. Promote a cautious but optimistic approach toward refinancing or new purchases before cuts could materialize.

Realtor Insight:
Encourage buyers to move now—educated by real policy shifts and the potential for increased affordability soon.

Housing Starts Jump but Single-Family Hits 11-Month Low

Read the full story → Calculated Risk

June saw a 4.6% rise in overall housing starts to 1.321 million annualized, driven by multifamily growth. However, single-family starts dropped 4.6%, marking the lowest point in 11 months due to persistent high rates and economic uncertainty.

Loan Officer Insight:
Construction lending focus continues shifting toward multifamily. For single-family, promote existing listings and completed homes to speed closings.

Realtor Insight:
Target multifamily opportunities for investor clients. Single-family buyers should be guided to completed properties instead of new construction.

Sales of Lower-Priced New Single-Family Homes Decline

Read the full story → Eye on Housing

Over the past five years, sales of lower-priced new single-family homes have steadily declined due to rising land and material costs, pushing affordability further out of reach for entry-level buyers.

Loan Officer Insight:
Rising land costs reduce affordability—emphasize renovation loans or alternative lending tools to help clients access value.

Realtor Insight:
Guide first-time buyers toward more affordable areas or consider resale and renovation solutions rather than only new-build options.

Loan Officer’s Perspective

  • Act on Fed signals—market rate cuts could arrive soon; speed refinancing and approvals.
  • Align finance with building trends—pivot to multifamily and back inventory for single-family buyers.
  • Address affordability gaps—use renovation and financing tools for entry-level buyers.

For additional resources and strategies to support your referral partners and clients effectively, visit DailySuccessPlan.com.

Realtor’s Perspective

  • Time listings with rate opportunity—buyers moved by potential cuts.
  • Target investor buyers—multifamily growth offers appeal.
  • Position affordability solutions—navigate clients toward resale, rent-to-own, or renovation options.

📩 Ready-to-Send Emails

Loan Officer Email (for Realtor Partners)

Subject: Fed Cut Buzz, Housing Starts Trends & Affordable Home Decline

Hi [First Name],

Today’s briefing includes:

• Fed governors indicate possible July rate cuts—a timely opening for rate conversations.
• Housing starts rose overall but single-family starts hit an 11-month low—focus on completed homes.
• Lowest-priced new-home sales continue to decline—use renovation/refi programs to support affordability.

Let me know if you’d like co-branded market updates or client toolkits.

Best,
[Your Name]
[Your Contact Info]

Realtor Email (for Clients / Sphere)

Subject: Rate-Cut Potential, Builder Trends & Affordable Home Choices

Hi [First Name],

Here’s what’s shaping today’s market:

• Fed officials are open to July rate cuts—a favorable shift for buyers.
• New construction is leaning toward multifamily, while single-family starts dip.
• Affordable new-home sales are falling—consider resale or remodels for budget-conscious buyers.

Let me know if you’d like help exploring these options for your next move.

Warmly,
[Your Name]
[Your Contact Info]

Get Access To The Loan Officer Breakfast Club here

Credit‑Score Conflict Intensifies, Builder Confidence Rises & Tariff‑Driven Inflation Emerges

July 18, 2025

Today’s headlines spotlight the rising tension between FICO and VantageScore, a modest rebound in builder sentiment, and early signs of tariff-fueled inflation—all important signals for professionals guiding clients through evolving credit and rate dynamics.

Credit‑Score Wars Heat Up Between FICO & VantageScore

Read the full story → Scotsman Guide

FICO has released a white paper claiming its FICO 10 T model outperforms VantageScore 4.0 in predicting mortgage risk—but VantageScore counters that it significantly exceeds the outdated FICO Classic. The rivalry intensifies as FICO 10 T awaits rollout by the GSEs.

Loan Officer Insight:
Understand both credit models to best serve borrowers. Renters or thin-file applicants may benefit from VantageScore eligibility, while others still fall under FICO criteria. Frame your approach around the borrower’s profile.

Realtor Insight:
Clients deserve clarity—explain both scoring impacts on qualification. Your expertise in navigating multiple scoring systems enhances trust and access for a broader audience.

Builder Confidence Shows Small Uptick in July

Read the full story → NAHB

NAHB builder confidence in single-family housing climbed from 32 to 33 in July. About 38% of builders continue price cuts (~5%) and incentives remain widely used amid high rates and economic caution.

Loan Officer Insight:
Builders offering incentives can be used to lower closing costs or buy down rates—strategy points in mortgage offers.

Realtor Insight:
These improvement signals for new home markets—leverage incentives as negotiating tools and positioning advantages.

Tariff Effects Begin Pushing Inflation Higher

Read the full story → AP News

June CPI rose 2.7% YoY, driven by tariff-influenced price increases in appliances, clothing, and shelter—underlining the inflationary impact of trade policy on living costs.

Loan Officer Insight:
With inflation tick-up, we’re one step closer to Fed rate stabilization. Use this backdrop to educate clients about long-term affordability and lock considerations.

Realtor Insight:
Rising inflation tips borrower cost-of-living. Reinforce urgency in rates and support clients through scenario planning.

Loan Officer’s Perspective

  • Stand out with credit‑model expertise—support borrowers across FICO and VantageScore systems.
  • Leverage builder incentives—incorporate cost savings in financing solutions.
  • Stay ahead of inflation trends—include rate stability and lock guidance as market context.

For additional resources and strategies to support your referral partners and clients effectively, visit DailySuccessPlan.com.

Realtor’s Perspective

  • Clarify credit paths—help all clients understand their options and score eligibility.
  • Use builder deals—turn incentives into selling points.
  • Frame inflation narrative—help clients understand economic context and support preparedness.

📩 Ready-to-Send Emails

Loan Officer Email (to Realtor Partners)

Subject: Credit Score Clash, Builder Incentives & Inflation Signals

Hi [First Name],

Here are today’s top updates for your team:

• FICO vs. VantageScore war—guide borrowers through both scoring systems.
• Builder confidence slightly up, with incentives still widely offered.
• Tariff-driven inflation rising, reinforcing rate lock strategy importance.

Want co-branded resources or rate-lock toolkits for clients? I’m ready to help.

Best,
[Your Name]
[Your Contact Info]

Realtor Email (for Clients / Sphere)

Subject: Credit Updates, New Home Deals & Inflation to Watch

Hi [First Name],

What to know this week:

• Credit score debate intensifies—you may now qualify under alternative models.
• Builders offering incentives—great news if you’re looking for new homes.
• Inflation rose in June—rate considerations are clearer now than before.

Let me know if you’d like to explore how this affects your buying plans.

Warmly,
[Your Name]
[Your Contact Info]

Get Access To The Loan Officer Breakfast Club here

Interagency PAVE Critics Warn, Jobless Claims Hit 5‑Week Low, and Mortgage Rate Outlook Shifts

July 17, 2025

Today’s headlines highlight policy debates over appraisal fairness, labor-market strength, and rate expectations—each providing integrity, opportunity, and context for loan officers and Realtors working with clients.

Interagency PAVE Architects Call Rollback “Partisan & Reckless”

Read the full story → Scotsman Guide

Leading architects of the PAVE initiative—a federal task force focused on neutralizing appraisal bias—labeled dismantling the program as “partisan and reckless,” warning it undermines fairness and protected communities.

Loan Officer Insight:
In light of this rollback, advocating for appraisal reviews remains vital. Advise clients on reconsideration processes and provide transparent valuation data.

Realtor Insight:
Stand out as a trusted guide—share comparative sales and explain how to dispute unfair valuations, reinforcing your commitment to client empowerment.

Jobless Claims Fall for Fifth Straight Week to 221,000

Read the full story → Morning Star

New unemployment claims dropped by 7,000 to 221,000 for the week ending July 12—the lowest level since mid-April—signaling sustained labor-market resilience despite economic uncertainties.

Loan Officer Insight:
This steady employment backdrop reassures both purchase and refinance clients. Use the data to build confidence in client affordability and job stability.

Realtor Insight:
A strong labor market supports consumer willingness to buy. Highlight this in local messaging to reassure buyers and sellers.

Six-Month Mortgage-Rate Forecast Shows Modest Adjustments

Read the full story → Norada Real Estate

Forecasts project mortgage rates moving slightly lower through late 2025 (August–December), driven by inflation moderation and rate stability—a window for both purchases and refinancing.

Loan Officer Insight:
Prepare clients with flexible lock strategies tailored to this window. Promote proactive planning while the path remains favorable.

Realtor Insight:
Frame this forecast in buyer conversations—to encourage timing decisions now before potential shifts later this year.

Loan Officer’s Perspective

  • Champion appraisal equity—guide clients on valuation fairness and review options.
  • Reassure with labor strength—employment data backs borrower readiness.
  • Plan for soft rate trends—position clients for upcoming affordability.
  • Refresh outreach—combine fairness, economic stability, and rate opportunity in your messaging.

For additional resources and strategies to support your referral partners and clients effectively, visit DailySuccessPlan.com.

Realtor’s Perspective

  • Support clients on appraisal fairness—be a proactive valuation resource.
  • Highlight employment strength—use labor market data to build client assurance.
  • Encourage timely moves—rate forecasts support acting before year-end.
  • Use this triple-narrative—fair pricing, strong jobs, and rate clarity—to guide client decisions.

📩 Ready-to-Send Emails

Loan Officer Email (for Realtor Partners)

Subject: Appraisal Equity Alert, Jobless Claims Drop & Rate Strategy

Hi [First Name],

Here’s today’s market summary:

• PAVE rollback criticized as partisan, raising appraisal-quality concerns.
• Jobless claims hit a five-week low at 221,000—reaffirming labor-market strength.
• Rates forecast to modestly soften through year-end—a strategic window for clients.

Need co-branded materials or lock-readiness campaigns? Happy to assist.

Best,
[Your Name]
[Your Contact Info]

Realtor Email (for Clients / Sphere)

Subject: Fair Appraisals, Strong Jobs & Smart Rate Timing

Hi [First Name],

Here’s what to know this week:

• Valuation fairness under spotlight—PAVE rollback creates new considerations.
• Labor market remains strong—jobless claims at April lows.
• Rates expected to drift lower later this year—a good reason to act now.

Interested in learning how this affects your home plans? I’m here to help.

Warmly,
[Your Name]
[Your Contact Info]

Get Access To The Loan Officer Breakfast Club here

Real Estate Firms Eye Lunar Data Centers, Inventory Contracts, and Yields Shift Before Inflation

July 15, 2025

Today’s headlines take us from Earth to the Moon, along with key housing and economic trends that carry value for both mortgage professionals and Realtors.

Real Estate Firms Race to Build Data Centers on the Moon

Read the full story → CNBC

Major real estate and tech companies, including Lonestar, are pioneering moon-based data center projects—leveraging lunar real estate, solar power, and unique infrastructure needs to meet cutting-edge data storage demands.

Loan Officer Insight:
While lunar projects are futuristic, they highlight tech-driven infrastructure growth. Consider how emerging data demands may influence long-term commercial real estate lending and partnerships.

Realtor Insight:
This trend underscores tech-related investment opportunities. Showcase your awareness to clients in commercial or development sectors—especially those with an eye on long-term, high-impact projects.

Housing Inventory Actually Fell Last Week

Read the full story → HousingWire

Active listing inventory declined from approximately 853,000 to 847,000 over the July 4 holiday week—a likely holiday anomaly. However, inventory remains well above last year’s levels, with purchase applications up 25% YoY.

Loan Officer Insight:
Faster-moving markets often follow inventory dips. Leverage rising purchase demand to preemptively engage clients and reinforce financing readiness.

Realtor Insight:
Holiday-week slowdowns are normal. Reinforce your narrative that higher annual inventory and strong application growth mean opportunity for well-prepared buyers and sellers.

Treasury Yields Pull Back Ahead of Inflation Data

Read the full story → CNBC

Yields on the 10-year Treasury slipped after June inflation data tempered expectations around rate risk, now forecasting 10-year yields around 4.3–4.4% year-end and 2-year at 3.6–3.9%.

Loan Officer Insight:
Lower yields suggest modest mortgage rate relief. Use this to frame timely rate-lock conversations and structured client messaging.

Realtor Insight:
Position buyers to take advantage of potentially improved rates. Brief sellers on how yield softness could benefit pricing and buyer pool dynamics.

Loan Officer’s Perspective

  • Capitalize on demand—record purchase apps after inventory dip signal high conversion potential.
  • Leverage the yield pullback—educate clients on locking opportunities before data-driven volatility hits.
  • Notice broader tech trends—future infrastructure demand, even in space, may influence credit strategies.

For additional resources and strategies to support your referral partners and clients effectively, visit DailySuccessPlan.com.

Realtor’s Perspective

  • Normalize seasonal inventory dips—interpret holiday data correctly with clients.
  • Sync your marketing with mortgage readiness to capture rising demand.
  • Highlight financing advantages as yield softness supports better borrowing conditions.
  • Showcase industry awareness by referencing long-term infrastructure growth, even lunar data centers.

📩 Ready-to-Send Emails

Loan Officer Email (for Realtor Partners)

Subject: Lunar Data News, Inventory Dip & Yield Relief Worth Sharing

Hi [First Name],

Here are today’s top insights:

• Real estate & tech firms working on lunar data centers—a sign of emerging infrastructure demand.
• Housing inventory dropped—temporarily—but purchase apps grew 25% YoY, signaling strong demand.
• Treasury yields slipped ahead of inflation data, possibly easing mortgage rate pressures later this summer.

Let me know if you’d like co-branded client updates or lender materials reflecting these trends.

Best,
[Your Name]
[Your Contact Info]

Realtor Email (for Clients / Sphere)

Subject: Want to Talk Inventory, Rates & Even Moon Data Projects?

Hi [First Name],

Today’s market headlines worth knowing:

• Pioneers are building data centers on the Moon—a sign of big infra shifts ahead.
• Home inventory dipped last week, but purchase applications jumped—demand stays strong.
• Treasury yields eased ahead of inflation, which could soften mortgage rates soon.

Curious how any of this affects your home plans? Let’s talk.

Warmly,
[Your Name]
[Your Contact Info]

Get Access To The Loan Officer Breakfast Club here