Mortgage & Economy
Mortgage rates, Federal Reserve policy, employment, inflation, and what they mean for Bay Area affordability.
-
Why homebuilders aren’t building more homes
New home sales are staying in a 600,000 to 700,000 range, limiting permits as builders rely on rate buydowns.
-
Equity Union expands into Nevada with first market outside California
The company recently was named the fastest-growing brokerage by five year transaction side percentage on the 2026 RealTrends Verified GameChangers list.
-
Modernization delays are becoming competitive liabilities
Mortgage lenders and servicers report that legacy systems are limiting efficiency and increasing compliance and security exposure. Most are attempting migrations, but long timelines and resource constraints keep many organizations stuck mid-transition.
-
4 expert tips to help originators win in today’s market
Two senior AEs describe how originators are adjusting to a higher-rate market by focusing on what they can control. They highlight HELOC and non-QM opportunities, niche targeting such as self-employed borrowers and using AEs as proactive scenario partners.
-
AI makes anyone visible. Authority is the new scarcity.
Generative AI is flooding housing and mortgage feeds with similar content, reducing the value of visibility alone. With trust in AI for home search down to 16% and 55% preferring a human for mortgages, the author argues authority comes from position, point of view and proof.
-
Roomvu launches AI-powered recruiting content for brokerages
Brokerages can create and automatically publish branded videos and posts that highlight recruiting messaging.
-
New York outflows reshape housing demand in Texas and Florida
New York City is not dead. Dead cities do not command global capital, fill Broadway theaters or charge $28 for a cocktail with three ingredients and a story. But the version of New York that anchored American economic gravity for much of the last century is weakening. What is changing is not the city’s brand.…
-
Congress didn’t create the private listings problem. We did.
House letters to Compass and MRED seek an August 5 briefing on private listing networks, as calls grow for clearer MLS rules nationwide.
-
The Slow Unlock Continues in Q1: 22.1% of Outstanding Mortgages Have a Rate of 6% or Higher
Altogether, just over half of outstanding mortgages (50.6%) still carry rates of 4% or lower, and roughly 78% have a rate below 6%. The 6%-or-higher share now stands at 21.9%, up 3.9 percentage points from Q4 2024’s 18.0%, a meaningful year-over-year acceleration driven by sustained buyer activity despite elevated borrowing costs.
-
Voters in all parties support federal housing help beyond the ROAD
Voters in key states and districts support larger federal housing investments, following the21st Century ROAD to Housing Act’s passage








