In the News

The veteran foreclosures crisis in 2025 is escalating, as the expiration of the VA’s loan purchase relief program has left tens of thousands of borrowers at risk. While the mortgage market digests this news, rates have dipped slightly ahead of the Federal Reserve’s policy announcement. Home price growth is also showing signs of moderation, adding new dynamics to an already shifting landscape. Loan officers need to be particularly alert this week—not just to changes in rate movement, but to the real financial stress emerging for veteran borrowers and the impact of stabilizing prices on borrower urgency.

Veteran Foreclosures Climb as VA Protection Program Expires

Read the full story → MarketWatch

The Department of Veterans Affairs’ temporary loan relief program, the Veterans Affairs Servicing Purchase (VASP), ended May 1. The program had allowed the VA to purchase delinquent loans from servicers and reduce interest rates to 2.5% for struggling veteran homeowners. Without it, over 60,000 veterans are now at serious risk of foreclosure.

Foreclosure filings have increased 9% year-over-year and 11% over the last quarter. Veteran advocacy groups are urging Congress to develop a permanent support program to prevent widespread housing displacement among those who served.

Loan Officer Insight: Veterans are a vital segment of the borrower base. Now is the time to reach out to past VA clients. Offer guidance on hardship options, explore local or nonprofit programs, and ensure those in distress know there’s support beyond the VA.

---

Mortgage Rates Dip Ahead of Fed Meeting

Read the full story → Bankrate

Ahead of this week’s Federal Reserve announcement, average mortgage rates declined slightly. The 30-year fixed sits at 6.83%, down 5 basis points, and the 15-year fixed dropped to 6.01%, down 8 basis points. The 5/1 ARM rose slightly to 6.24%.

Markets appear to be pricing in a “wait and see” stance from the Fed. Economic signals remain mixed, with inflation persistent but wage growth slowing. For borrowers, today’s conditions offer a small—but valuable—opportunity to lock rates before potential volatility.

Loan Officer Insight: Rate drops may be modest, but they offer talking points. Use this moment to reconnect with fence-sitters, encourage credit prep, and guide clients toward lock-and-shop strategies.

---

Home Price Growth Slows Nationally, Creating a More Balanced Market

Read the full story → Cotality

National home prices rose 3.3% year-over-year through January 2025, according to Cotality, reflecting a clear slowdown from the post-pandemic boom. Monthly growth has flattened, and price dynamics are now closely tracking inflation rates.

Notably, the Northeast remains an exception, with home values still climbing due to limited inventory and strong local demand. Other regions show more balance between supply and demand as mortgage rate relief encourages new listings.

Loan Officer Insight: This market is made for guidance. The end of runaway appreciation helps create realistic expectations. Help clients understand where prices are cooling—and how that improves negotiating power without eliminating urgency.

---

Real Estate-Related Stock Performance (as of May 6, 2025)

Stock	Price	Change
Rocket Companies (RKT)	$12.22	▼ 3.17%
UWM Holdings (UWMC)	$4.85	▼ 0.72%
Zillow Group (ZG)	$67.09	▼ 0.81%
Redfin Corp (RDFN)	$9.33	▼ 2.71%
Lennar Corp (LEN)	$109.44	▼ 0.69%
D.R. Horton (DHI)	$125.90	▼ 1.11%
Equifax Inc. (EFX)	$262.94	▼ 0.53%

Summary: Real estate-related stocks declined slightly across the board. Mortgage lenders like Rocket and Redfin saw the sharpest pullbacks, possibly reflecting investor concerns about market softness and government program phaseouts. Builders continue to perform better, albeit with mild losses.

---

Loan Officer’s Perspective: Three Ways to Serve This Week

The stories today reflect a market in transition. This is the time when real relationships and strategic communication make the difference.

• Support Your Veteran Borrowers: Use this moment to lead. Make courtesy calls to VA loan clients from 2021–2023. Ask how things are going. Offer value, not a pitch.
• Use Rate Dips to Create Urgency: Send a short update to your pre-approved clients—“Rates just moved. Here’s how this could improve your buying power.”
• Highlight Price Stability as a Positive: When prices rise too fast, people panic. Now, with slower growth, help buyers see opportunity, especially in local pockets with softening demand.

Want to systematize this type of outreach?
Visit DailySuccessPlan.com to see how top-producing loan officers build momentum with consistent action.

As the mortgage industry prepares for the Fed interest rate decision on May 2025, loan officers are watching closely. With the Federal Reserve expected to hold steady amid mixed economic signals, the implications for rate locks and borrower behavior are significant. Meanwhile, national home prices continue to appreciate at a moderate pace, according to Case-Shiller and FHFA data. And in the real estate world, a growing shift toward private listings is raising concerns about transparency and market access. Here’s what loan officers need to know to stay ahead of the curve this week.

---

Federal Reserve Expected to Hold Rates Steady Ahead of Inflation Data

Read the full story → Investopedia

As the Federal Open Market Committee meets this week, analysts expect the Fed to keep its benchmark rate unchanged at 5.25%–5.50%. Inflation remains above the 2% target, but signs of economic cooling, including slower job growth and moderate consumer spending, have made policymakers more cautious.

Although a rate cut isn’t anticipated in this meeting, analysts point to potential action later this summer—especially if inflation continues to trend downward. The bond market is already pricing in two rate cuts by the end of 2025.

Loan Officer Insight: Rate-sensitive buyers are watching closely. This is a perfect time to discuss lock strategies, market resilience, and the flexibility of float-down options. Set expectations early and lean into education to keep clients engaged.

---

Home Prices Continue Climbing, but Pace Slows in Some Markets

Read the full story → Mortgage News Daily

The Case-Shiller National Home Price Index rose 0.7% in February, marking a 4.5% year-over-year gain. The FHFA House Price Index also posted a monthly increase of 0.1%, though annual growth slowed to 3.9%—a signal of growing market normalization.

Regional disparities remain. Metro areas like Miami and San Diego saw continued strong appreciation, while markets in the Midwest and Northeast showed flatter growth. Analysts expect demand to remain strong where inventory remains tight and job growth supports affordability.

Loan Officer Insight: This is a great opportunity to help buyers understand long-term value. Use regional data to guide clients and highlight that slow-and-steady appreciation signals a more sustainable housing market.

---

Real Estate Giants Push Private Listings, Raising Industry Alarm Bells

Read the full story → CNN

Real estate firm Compass is promoting a wave of “private listings”—homes that are listed first (or exclusively) for Compass agents before hitting the broader MLS. While some sellers prefer discretion or exclusivity, critics argue this practice limits buyer access and undermines market transparency.

Data from Bright MLS and Redfin suggests no clear pricing benefit to private listings, and industry groups warn this shift could exacerbate housing inequities by giving well-connected buyers a head start.

Loan Officer Insight: Know your local agent practices. If private listings are gaining steam in your market, help buyers prepare competitive preapprovals and align with agents who are plugged into early inventory.

---

Real Estate-Related Stock Performance (as of May 5, 2025)

Stock	Price	Change
Rocket Companies (RKT)	$12.22	▼ 3.17%
UWM Holdings (UWMC)	$4.85	▼ 0.72%
Zillow Group (ZG)	$67.09	▼ 0.81%
Redfin Corp (RDFN)	$9.33	▼ 2.71%
Lennar Corp (LEN)	$109.44	▼ 0.69%
D.R. Horton (DHI)	$125.90	▼ 1.11%
Equifax Inc. (EFX)	$262.94	▼ 0.53%

Summary: Real estate and mortgage-related stocks declined modestly ahead of the Fed meeting, as markets await signals about future rate cuts and inflation pressures. Builder stocks remain resilient due to steady homebuyer demand.

---

Loan Officer’s Perspective: Market Prep Before the Fed Speaks

Wednesday’s Fed rate announcement may not shift rates immediately, but how Chair Powell frames the economic outlook could move markets—and your client conversations. Here’s how to use today’s stories to elevate your impact this week:

• Reinforce Rate Strategy: Walk clients through rate lock options and remind them that “wait and see” is not a strategy.
• Use Home Price Stability to Drive Urgency: Normalize expectations around steady growth, not double-digit spikes. Educated clients commit faster.
• Align with Agent Partners on Inventory Access: Ask how often they’re seeing or hearing about private listings, and how you can collaborate to serve shared clients sooner.
• Build Visibility: Share a quick video update or social post on “3 Things to Know Before the Fed Speaks” to position yourself as the local expert.

Need help structuring your weekly client touchpoints or agent outreach?
Visit DailySuccessPlan.com for a plug-and-play system used by top-producing LOs nationwide.

Morgan Stanley Forecasts Rate Easing Into 2026

Read the full story →
thestreet.com

Morgan Stanley has released a forward-looking mortgage rate forecast, projecting a gradual decline in rates through 2026. Contrary to hopes of a dramatic rate drop, the investment bank’s economists anticipate a slow easing path, aligning with expectations of a soft landing for the economy. The firm pointed to stabilizing inflation and a less aggressive Federal Reserve as supporting factors for this trend.

This measured forecast reinforces the notion that rates will drift lower, not plunge. Analysts note that while short-term volatility is likely due to economic data releases and geopolitical developments, long-term bond yields are showing signs of cooling. If the Fed pauses hikes and economic indicators remain stable, a modest but steady decline in mortgage rates could create more favorable conditions for homebuyers by mid-to-late 2025.

Loan officers should view this as a key moment to set realistic expectations with clients. While affordability should improve in the long run, near-term conditions still call for strategic planning. Use this forecast to highlight the benefits of readiness, such as securing favorable terms when opportunities arise or leveraging temporary rate buydown programs to bridge affordability gaps.

---

Zillow Tightens Listing Standards Under NAR’s Clear Cooperation Rule

Read the full story →
northjersey.com

Zillow announced it will stop displaying property listings that are publicly marketed but not listed in the local MLS within one business day, effective immediately. This change is in direct response to the National Association of Realtors’ (NAR) Clear Cooperation Policy, which seeks to ensure fair access to housing data by limiting so-called “pocket listings” or off-market deals that restrict exposure to select buyers.

This policy shift could reshape how agents market listings, particularly in high-demand or luxury markets where exclusivity has sometimes been used as a selling tactic. By requiring listings to be input into the MLS quickly, the policy levels the playing field and prioritizes broad visibility. Zillow’s decision aligns the platform with MLS rules and may further incentivize listing agents to follow standardized practices, minimizing consumer confusion.

For loan officers, this move presents an opportunity to provide added clarity for clients about listing visibility and market transparency. It’s a great time to partner with agents to ensure clients are accessing the full spectrum of homes available. Educate buyers on how listing availability works and prepare them to act quickly, knowing they’re seeing up-to-date and compliant inventory.

---

Mortgage Rates Edge Up Slightly After Strong Economic Signals

Read the full story →
mortgagenewsdaily.com

Mortgage rates ticked upward on May 1 following a stronger-than-expected economic report. The average 30-year fixed rate now sits at 6.83%, up slightly from the previous day. Market analysts attributed the movement to a robust manufacturing report, which suggested ongoing economic expansion and raised the prospect of continued inflationary pressures.

While the rate change was modest, it serves as a reminder that rates remain sensitive to economic signals. Bond markets, which influence mortgage rates, react quickly to data that could alter the Federal Reserve’s policy stance. As long as inflation remains above the Fed’s long-term target, rates are likely to remain volatile even if longer-term forecasts point to easing.

Loan officers should use this as an opportunity to discuss rate lock strategies with clients. With daily shifts possible, preapproved buyers should be equipped to move quickly when favorable pricing appears. Emphasize the value of locking in now with options for future float-downs, especially for borrowers wary of short-term rate swings.

---

Pending Sales Slip Despite Growing Housing Inventory in April

Read the full story →
realtor.com

Realtor.com’s April housing report revealed a nuanced picture of the spring market. While active inventory grew, pending home sales declined month-over-month, signaling a cautious buying environment. Buyers appear hesitant despite more choices, with affordability concerns and rate volatility likely playing a role in suppressing contract activity.

This dynamic suggests buyers may be waiting for either rates to fall or home prices to soften further. Inventory remains well below historical norms, though the month-over-month improvement does provide a ray of hope for those frustrated by tight supply. The increased days-on-market also point to a market in transition—still favoring sellers, but with less urgency.

For loan officers, now is a perfect time to educate buyers on market timing and strategy. Help clients distinguish between data-driven decisions and emotional hesitation. Promote affordability tools such as temporary buydowns, payment planning, and preapproval refreshes to help them move with confidence when the right home appears.

---

Real Estate-Related Stock Performance (as of April 26, 2025)

• Rocket Companies (RKT): $12.37 ▲ 0.4%
• UWM Holdings (UWMC): $4.60 ▼ 0.3%
• Zillow Group (ZG): $62.89 ▲ 0.1%
• Redfin Corp (RDFN): $8.98 ▼ 0.4%
• Lennar Corp (LEN): $106.72 ▲ 0.6%
• D.R. Horton (DHI): $123.10 ▲ 0.4%
• Equifax Inc. (EFX): $252.04 ▲ 0.2%

Builder and housing platform stocks rose slightly, reflecting confidence in rising inventory and long-term rate improvement. Mortgage lender stocks remained more neutral, mirroring the stability seen in current rate movements.

---

Loan Officer’s Perspective: Convert Uncertainty Into Opportunity

The market continues to shift, and that gives proactive LOs a chance to lead. Take advantage of Morgan Stanley’s rate forecast to reset expectations for long-term affordability—and to move clients toward readiness, not perfection. Zillow’s listing update offers a reason to connect with agents and reinforce your role as a strategic guide in the process.

As inventory rises but buyers hesitate, use market data to coach clients on urgency without panic. Pair this with affordability tools, and help them see the opportunity others are missing. Lastly, keep your rate watch tight. Daily volatility means one well-timed lock can turn a maybe into a “yes.”

Want to win every Friday with a focused plan?
Visit DailySuccessPlan.com to learn how top LOs use structured strategy to grow—regardless of the market.

Mortgage Rates Steady at 6.81% Amid Economic Uncertainty

Read the full story → Mortgage News Daily

Mortgage rates remained unchanged on April 30, 2025, with the average 30-year fixed rate holding at 6.81%. This consistency offers a brief window of predictability for loan officers and homebuyers alike. The flat rate movement comes as markets digest weakening GDP data and shifting bond yields.

Recent economic reports show U.S. GDP shrank by 0.3% in Q1 2025, raising the possibility of a mild recession. At the same time, Treasury yields declined, with the 10-year yield hovering near 4.45%, reflecting expectations of eventual Federal Reserve easing later this year. Inflation remains above target but is showing mixed signals.

Loan Officer Takeaway: Now is the time to reach out to fence-sitting buyers. Use the stable rate environment to emphasize the predictability of locking in terms. Help clients run the numbers and make affordability-driven decisions.

---

Treasury Secretary Urges Fed to Cut Rates as Growth Slows

Read the full story → CNBC

U.S. Treasury Secretary Scott Bessent has called for the Federal Reserve to reduce interest rates, citing an inverted yield curve as a red flag for future economic weakness. Two-year Treasury yields have dipped below the Fed Funds Rate, a historical recession signal.

This public pressure marks a growing divergence between fiscal and monetary leadership. While the Fed remains cautious due to persistent inflation near 3%, fiscal officials are warning that the economy cannot sustain higher borrowing costs amid sluggish growth.

Loan Officer Insight: If rate cuts do materialize, mortgage rates could follow. Get ahead by preparing refinance lists and coaching clients on rate lock strategies tailored to their timelines. Position yourself as a steady hand during a potentially volatile summer.

---

MRED Updates Private Listing Network in Response to NAR Rule Change

Read the full story → Chicago Agent Magazine

Midwest Real Estate Data (MRED) has enhanced its Private Listing Network (PLN) following recent updates to NAR’s Clear Cooperation Policy. The revisions allow agents to maintain listings privately for limited periods before public marketing, provided there’s informed seller consent.

This move gives sellers more discretion over when and how their property is marketed. It also gives agents and lenders early visibility into homes that are not yet listed publicly. MRED’s PLN is one of the most developed systems of its kind, and these changes further legitimize its use for strategic selling.

Loan Officer Takeaway: Proactively build relationships with agents using private listing tools. Offer pre-approvals for buyers looking in competitive markets and help your partners navigate inventory that’s not yet public. This is your edge.

---

Real Estate-Related Stock Performance (as of April 30, 2025)

• Rocket Companies (RKT): $12.37 ▲ 0.4%
• UWM Holdings (UWMC): $4.60 ▼ 0.3%
• Zillow Group (ZG): $62.89 ▲ 0.1%
• Redfin Corp (RDFN): $8.98 ▼ 0.4%
• Lennar Corp (LEN): $106.72 ▲ 0.6%
• D.R. Horton (DHI): $123.10 ▲ 0.4%
• Equifax Inc. (EFX): $252.04 ▲ 0.2%

Builder stocks posted modest gains thanks to ongoing strength in new construction activity. Mortgage lenders remain rangebound as the market awaits Fed direction. Stock movements reflect overall market caution.

---

Loan Officer’s Perspective: Practical Applications for May

• Capitalize on Rate Stability: Reach out with updated payment scenarios for buyers waiting for lower rates. Locking today could still mean long-term savings.
• Refi Radar: Start compiling a list of clients from Q3/Q4 2022 who may benefit from a summer refinance if rates dip.
• Agent Collaboration: Explore new private listing strategies. Offer early pre-approvals and help agents position buyers ahead of public listings.
• Educate with Clarity: As rate chatter increases, be the voice of logic. Avoid predictions—emphasize preparation.

Want more structure in how you execute daily? Visit DailySuccessPlan.com to see how top LOs stay consistent and confident, regardless of the market.

Trump Organization Launches First Real Estate Project in Qatar

Read the full story →

The Trump Organization has partnered with Qatari Diar and Dar Global to develop its first project in Qatar: Trump International Golf Club and Trump Villas. The project is part of the $5.5 billion Simaisma development, which includes an 18-hole golf course and entertainment venues, including a Land of Legends theme park.

This venture adds to Trump’s growing real estate footprint in the Gulf region, with other projects in Dubai, Jeddah, Riyadh, and Oman. Eric Trump’s recent visit to the region highlighted the importance of strong U.S.-Gulf ties for real estate and tourism investment.

President Trump is expected to visit Qatar and neighboring Gulf states in the coming weeks to discuss broader investment deals, signaling continued U.S. commercial influence in the region.

Loan Officer Insight: The international real estate expansion by U.S. brands like Trump’s may spur luxury property investment interest among global buyers. Keep an eye on cross-border demand trends and how foreign investments might impact high-end domestic markets.

---

---

Mortgage Rates Stabilize at 6.81% Amid Market Caution

Read the full story →

According to Mortgage News Daily, the average 30-year fixed mortgage rate is now 6.81%, a marginal 0.01% decline from the day prior. This comes after weeks of rate volatility sparked by inflation reports, tariff reactions, and mixed economic data.

With bond markets calming slightly, rate movement has entered a holding pattern, offering a brief moment of clarity for homebuyers and loan officers alike. While the broader range remains between 6.7% and 6.9%, even small movements are meaningful in a high-rate environment.

Market watchers suggest staying alert for employment and inflation data, which could quickly push rates higher or lower depending on upcoming releases.

Loan Officer Takeaway: Now’s the time to re-engage fence-sitting buyers. Rate stability—however short-lived—offers a chance to promote rate locks, strategic preapprovals, and structured buy-down conversations.

---

---

Q1 2025 GDP Slows to 0.3% as Consumer Spending Weakens

Read the full story →

The U.S. economy expanded at just 0.3% in Q1 2025, according to the latest report from the Commerce Department. That figure fell sharply from 3.4% in Q4 2024 and marks the weakest growth since mid-2022.

Economists attribute the downturn to slower consumer spending, increased tariffs, and persistent inflation pressures. Consumer confidence also took a hit, with the Conference Board’s index falling to 86—the lowest since May 2020.

This environment could put more pressure on policymakers and dampen housing market activity as consumers grow increasingly cautious.

Loan Officer Insight: Economic deceleration doesn’t mean your pipeline should follow suit. Use these signals to adjust messaging, highlighting affordability tools and financial preparedness to navigate uncertain times.

---

Real Estate-Related Stock Performance (as of April 29, 2025)

• Rocket Companies (RKT): $12.37 ▲ 0.4%
• UWM Holdings (UWMC): $4.60 ▼ 0.3%
• Zillow Group (ZG): $62.89 ▲ 0.1%
• Redfin Corp (RDFN): $8.98 ▼ 0.4%
• Lennar Corp (LEN): $106.72 ▲ 0.6%
• D.R. Horton (DHI): $123.10 ▲ 0.4%
• Equifax Inc. (EFX): $252.04 ▲ 0.2%

Builder stocks saw modest gains following recent new development announcements and stable rates. Meanwhile, mortgage lenders stayed range-bound, reflecting caution due to softening economic indicators.

---

Loan Officer’s Perspective: Make Stability Work for You

• Activate Past Leads: Reach out to preapproved clients who paused during recent rate volatility. Emphasize today’s steady rate window.
• Balance Optimism with Reality: With GDP slowing and consumer confidence down, highlight preparedness, not urgency, in your conversations.
• Refine International Strategy: Global projects like Trump’s Qatar deal underscore the importance of understanding foreign buyer interests and global capital flows.
• Sharpen Affordability Options: With economic pressure rising, revisit your toolkit—rate buydowns, credit repair tactics, and down payment programs matter more than ever.

Looking to elevate your daily systems? Visit DailySuccessPlan.com for routines used by top-producing LOs in every market.

Fed Officials Offer Differing Signals on Timing of Potential Interest Rate Cuts

Read the full story → Scotsman Guide

Federal Reserve officials are sending mixed messages regarding the timing of potential interest rate cuts, leaving markets uncertain about future monetary policy. While some policymakers suggest patience is needed until inflation moves closer to the 2% target, others hint at possible cuts later this year depending on evolving data.

Recent speeches highlight a divide: some members urge caution, citing sticky inflation, while others note signs of economic softening that could warrant easing rates. Despite differing views, there is broad consensus that any changes will be gradual and data-dependent.

Market Implication: Loan officers should prepare clients for ongoing rate volatility. Managing expectations around timing and providing multiple rate-lock options will be key strategies in the months ahead.

Loan Officer Takeaway: Educate borrowers on market unpredictability. Offer rate-lock programs with extensions and emphasize preapproval readiness.

---

United Real Estate Named Fastest-Growing Franchise Brand

Read the full story → PR Newswire

United Real Estate has been recognized as the No. 1 fastest-growing real estate franchise brand according to the “2025 Franchise Times Fast & Serious” list. The firm’s unique model—which emphasizes 100% commission plans, technology investment, and agent support—has fueled significant expansion across the U.S.

The ranking reflects United’s rapid growth trajectory, doubling its agent count and substantially increasing transaction volume over the past two years. Leadership credits the company’s cloud-based brokerage model for its success in both urban and suburban markets.

Market Insight: Growth in agent-centric models like United’s indicates a shift toward flexibility and technology-driven solutions in real estate. Loan officers should align with these trends to deepen referral relationships.

Loan Officer Takeaway: Connect with United agents and similar brokerages. Highlight digital mortgage tools and flexible lending programs that complement their tech-forward approach.

---

Weekly Housing Market Update: April 28th

Read the full story → Calculated Risk

The latest weekly housing data shows continued pressure on inventory and affordability. New listings remain below normal seasonal levels, and total active inventory is still far from pre-pandemic baselines.

Purchase application volume dipped slightly, following rate increases earlier in April. Meanwhile, price growth remains positive year-over-year, although at a slower pace compared to the frenzied pandemic years.

Trend Analysis: While inventory remains constrained, the market is not collapsing. Buyers are adjusting expectations, and creative financing solutions are gaining traction.

Loan Officer Takeaway: Be proactive with listing agents. Offer strategies like appraisal gap coverage or buydown options to help buyers win in low-inventory markets.

---

Treasury Yields Hold Steady Ahead of Key Earnings Reports

Read the full story → CNBC

U.S. Treasury yields remained stable as investors awaited major earnings announcements that could provide new clues about the economic outlook. The 10-year yield hovered around 4.65%, reflecting cautious optimism among market participants.

Economic data releases, including GDP revisions and inflation reports, are influencing Treasury markets—which, in turn, affect mortgage rates. Many analysts believe rates could remain range-bound in the short term unless major surprises emerge.

Market Watch: Loan officers should continue monitoring bond yields closely. A sudden move could impact lock-in decisions and client strategies.

Loan Officer Takeaway: Stay in regular communication with clients. Offer quick-lock options and real-time rate alerts to keep them informed and confident.

---

Real Estate-Related Stock Performance (as of April 29, 2025)

• Rocket Companies (RKT): $12.35 ▲ 0.3%
• UWM Holdings (UWMC): $4.58 ▼ 0.4%
• Zillow Group (ZG): $63.10 ▲ 0.6%
• Redfin Corp (RDFN): $9.02 ▲ 0.4%
• Lennar Corp (LEN): $107.25 ▲ 0.5%
• D.R. Horton (DHI): $124.00 ▲ 0.7%
• Equifax Inc. (EFX): $253.10 ▲ 0.4%

Summary: Homebuilder stocks continued to climb amid favorable sales data, while mortgage-related stocks remained relatively stable. The broader optimism about the spring housing season appears to be boosting confidence.

---

Loan Officer’s Perspective: Applying Today’s Insights

Here’s how to use today’s news to fuel your business:

• Prepare Clients for Volatile Rates: With Fed uncertainty, create educational content around locking vs. floating strategies.
• Partner with Growing Brokerages: Build relationships with tech-driven real estate offices like United Real Estate.
• Use Creative Financing: Offer flexible solutions to overcome low inventory and high home prices.
• Stay Agile with Bond Markets: Monitor Treasury moves daily and update clients immediately to maintain trust.

Want more daily strategies for success? Visit DailySuccessPlan.com to see how top-producing loan officers stay ahead!

Housing Market Sees Modest Gains as Mortgage Rates Remain Volatile

Read the full story → Axios – Housing Market Update

The housing market posted slight improvements in March 2025, with new data showing home sales ticking up as mortgage rates declined briefly. According to the latest reports, existing home sales rose modestly, while new construction demand showed resilience despite ongoing affordability challenges.

Supporting Context: The National Association of Realtors reported a 2% increase in home sales compared to February. However, sales volumes still lag significantly behind pre-pandemic averages. Median home prices remain historically high, suggesting that affordability constraints continue to sideline many first-time buyers. Mortgage rates hovered around 6.5% at the end of April, providing some relief but not enough to dramatically boost activity.

Expert Insight: Analysts emphasize that affordability remains the market’s key bottleneck. Loan officers can expect a “steady but strained” spring season, with buyers who are highly sensitive to even minor rate movements. Messaging around customized loan solutions, especially buydowns or ARMs, could be critical in helping clients act decisively.

Loan Officer Takeaway: Stay nimble. Focus your conversations on real affordability strategies, not just “rate watching.” Customized solutions and quick preapproval turnarounds will differentiate you this season.

---

Mortgage Rates Drop Slightly but Remain Choppy

Read the full story → Mortgage News Daily – Rate Trends

Mortgage rates slid marginally on April 25th, continuing a volatile pattern that’s persisted through much of 2025. Daily rate movement remains tightly linked to inflation reports and Federal Reserve commentary, making the mortgage landscape unpredictable for consumers and industry professionals alike.

Supporting Context: The average 30-year fixed rate stood at approximately 6.47%, a slight improvement from earlier in the month. However, rates continue to swing between 6.4% and 6.6% depending on economic news. Volatility stems from investor anxiety over mixed inflation signals and uncertainty around future Fed actions.

Expert Insight: Mortgage experts urge loan officers to coach borrowers on the importance of rate locks and preparedness. With short-term volatility high, and no clear downward trend, strategic advice is more valuable than ever. The “timing the market” mentality is less effective than building a solid mortgage readiness plan.

Loan Officer Takeaway: Position yourself as a strategist. Proactively offer lock-and-shop programs and stress the importance of credit optimization now to mitigate the risks of future rate spikes.

---

Homebuying Affordability Slightly Improved in March, Says MBA

Read the full story → Scotsman Guide – MBA Affordability Report

Homebuying became marginally more affordable in March, according to the Mortgage Bankers Association’s latest Purchase Applications Payment Index (PAPI). A combination of slightly lower rates and stable home prices contributed to improved affordability metrics.

Supporting Context: The national PAPI decreased by 1.2% from February to March, signaling a small improvement. This marks the first month-over-month affordability gain since late 2023. While gains are modest, they signal potential openings for sidelined buyers. However, affordability still lags well behind pre-pandemic levels, and wage growth remains a concern.

Expert Insight: While this news is encouraging, experts caution that broader market access remains a challenge. Loan officers who leverage affordability tools—such as down payment assistance programs, buydowns, and education on alternative loan products—can better serve underserved segments.

Loan Officer Takeaway: Celebrate the small wins. Use affordability gains as a springboard for outreach campaigns to first-time buyers and renters on the fence.

---

Real Estate-Related Stock Performance (as of April 26, 2025)

• Rocket Companies (RKT): $12.37 ▲ 0.4%
• UWM Holdings (UWMC): $4.60 ▼ 0.3%
• Zillow Group (ZG): $62.89 ▲ 0.1%
• Redfin Corp (RDFN): $8.98 ▼ 0.4%
• Lennar Corp (LEN): $106.72 ▲ 0.6%
• D.R. Horton (DHI): $123.10 ▲ 0.4%
• Equifax Inc. (EFX): $252.04 ▲ 0.2%

Stock Summary: Real estate-related stocks showed mild gains following the uptick in home sales and slight rate improvements. Builder stocks, in particular, reflected optimism as affordability slightly improved and buyer sentiment edged upward.

---

Loan Officer’s Perspective: Turn Headlines into Conversations

April’s mortgage news offers a clear theme: cautious optimism. Loan officers can leverage this environment by:

• Updating preapproval workflows to emphasize speed and flexibility.
• Doubling down on lock-and-shop conversations.
• Educating buyers about small affordability gains to reignite dormant leads.
• Offering clear strategies, not predictions, when discussing rates.

Want help creating custom marketing campaigns that match today’s trends? Explore our Coaching Resources for templates, call scripts, and live training sessions.

New Home Sales Experience ‘Surprising’ Boost

Read the full story →
Real Estate News

In March 2025, U.S. new single-family home sales surged by 7.4% to a seasonally adjusted annual rate of 724,000 units, marking the highest level since September 2024. This unexpected uptick was driven by a temporary decline in mortgage rates to 6.65% and a focus on smaller, more affordable homes. The median new home price dropped 7.5% year-over-year to $403,600, indicating a shift towards cost-effective housing options.​

Regionally, the South led the charge, accounting for about two-thirds of the sales. Inventory levels also rose to 503,000 units, the highest since November 2007, providing more options for prospective buyers. However, the economic outlook remains uncertain due to fluctuating trade policies and rising construction costs.

Loan Officer Takeaway: The surge in new home sales presents an opportunity to collaborate with builders focusing on affordable housing. Highlighting financing options for smaller homes can attract budget-conscious buyers.​

---

Mortgage Rates Continue Lower

Read the full story →
Mortgage News Daily

As of April 24, 2025, the average 30-year fixed mortgage rate decreased slightly to 6.92%, continuing a gradual downward trend. This decline is attributed to improved bond market conditions and reduced volatility. Despite the decrease, rates remain elevated compared to historical lows, and affordability challenges persist for many buyers.

The bond market’s stabilization has provided some relief, but economic uncertainties, including inflation and trade policies, continue to influence rate movements. Experts suggest that while rates may fluctuate, significant decreases are unlikely in the near term.​

Loan Officer Takeaway: Use this period of rate stabilization to educate clients on the benefits of locking in rates and explore refinancing options for those who secured higher rates previously.​

---

Fired First American CEO to Receive $18.6M Payout

Read the full story →
Scotsman Guide

Ken DeGiorgio, the former CEO of First American Financial Corp., is set to receive a severance package totaling $18.6 million following his termination. The payout includes $7.24 million in severance pay, approximately $9.1 million in accelerated vesting of restricted stock, and around $2.2 million from a supplemental executive retirement plan. DeGiorgio was dismissed after an alleged assault incident aboard a Caribbean cruise ship.​

Despite the circumstances, the termination was classified as “without cause,” making DeGiorgio eligible for the severance package. This situation highlights the complexities and legal considerations companies face when handling executive misconduct.​

Loan Officer Takeaway: Stay informed about industry leadership changes, as they can impact company policies and market dynamics. Understanding these shifts can help in anticipating changes in partnerships and client relations.​

---

Real Estate-Related Stock Performance (as of April 25, 2025)

• Rocket Companies (RKT): $12.37 ▲ 0.4%
• UWM Holdings (UWMC): $4.60 ▼ 0.3%
• Zillow Group (ZG): $62.89 ▲ 0.1%
• Redfin Corp (RDFN): $8.98 ▼ 0.4%
• Lennar Corp (LEN): $106.72 ▲ 0.6%
• D.R. Horton (DHI): $123.10 ▲ 0.4%
• Equifax Inc. (EFX): $252.04 ▲ 0.2%​

Builder stocks experienced modest gains following the positive new home sales report, while mortgage lenders showed mixed performance amid rate fluctuations. The market remains sensitive to economic indicators and policy changes.​

---

Loan Officer’s Perspective: Friday – Work on Your Business

As the week concludes, focus on strategies to enhance your business:​

• Collaborate with Builders: Engage with builders targeting the affordable housing market to offer tailored financing solutions.
• Educate Clients: Provide insights on the current rate environment and the benefits of rate locks or refinancing.
• Monitor Industry Changes: Stay updated on leadership shifts within key industry players to anticipate potential impacts on your operations.​

For structured growth strategies, visit DailySuccessPlan.com.