הפודקאסט של נדל”ן ולעניין

Home Listings Pulled at Record Pace as Sellers Face Market Reality

Homes coming off the market without selling — known as delistings — are rising at levels not typically seen outside of winter slowdowns. What used to be seasonal is now a broader signal that buyers and sellers are no longer aligned on price.
 
According to Realtor.com, delistings jumped nearly 64% year over year in November 2025 and were up 47% for the year overall. Since June, about 6% of active listings nationwide have been pulled each month — the highest pace since tracking began.
 
The reason is simple: many homes are priced for yesterday’s market, not today’s.
 
Buyers are calculating affordability based on mortgage rates in the mid-6% to 7% range, along with higher insurance premiums, property taxes, and everyday expenses. Sellers, meanwhile, are still anchored to peak pandemic pricing. The result is a standoff.
 
Homes pulled from the market in September sat for roughly 100 days on average before being delisted. That shows sellers are trying — but often not adjusting fast enough.
 
Inventory has now increased for more than two years, yet affordability remains tight. Many homeowners are also locked into sub-3% mortgage rates, making it financially painful to sell and buy again. That “golden handcuffs” effect continues to distort supply.
 
Some markets, including Virginia Beach, Washington D.C., San Jose, and Dallas, are seeing particularly sharp rises in delistings. Meanwhile, stale listings — homes sitting 60 days or more — are increasing in areas like Miami, Austin, and Fort Lauderdale.
 
Most analysts do not see this as a housing crash. Instead, it looks like recalibration. Buyers are still active — but only at the right price.
 
Until seller expectations align with buyer budgets, delistings may remain elevated. The housing market isn’t collapsing. It’s adjusting to a new affordability reality.
 
For direct financing consultations or mortgage options for you visit  Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable reality.
 
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https://www.forumnadlanusa.com/2026/02/home-listings-pulled-at-record-pace-as-sellers-face-market-reality/
#HousingMarket #RealEstateTrends #HomeSelling #MortgageRates #Housing2026

Fannie Mae Reports Lower 2025 Profit but Reaches Record $109 Billion Net Worth

Government-sponsored mortgage giant Fannie Mae closed out 2025 with a stronger balance sheet, even as profits declined compared to the prior year.
 
The company reported $3.5 billion in net income for the fourth quarter and $14.4 billion for the full year, a 15% decrease from 2024. Despite the drop in earnings, Fannie Mae’s net worth climbed to a record $109 billion as of December 31, 2025. Annual revenue held steady at $29 billion, largely driven by guaranty fees from its $4.1 trillion mortgage portfolio.
 
Leadership emphasized that the record net worth reflects long-term financial strength. The company also marked its 14th consecutive year of profitability, supported by stable revenue and improved cost control.
 
So why did profits decline? The main factor was higher credit-related expenses. In 2025, Fannie Mae recorded a $1.6 billion provision for credit losses, compared to a benefit in 2024. In the fourth quarter alone, $298 million was set aside, partly due to a rise in mortgage delinquencies and newly acquired loans. While delinquency levels remain low by historical standards, affordability pressures are beginning to show up in the data.
 
Even with lower earnings, Fannie Mae remained highly active in the housing market. In 2025, it supported financing for roughly 1.5 million home purchases, refinances, and rental units. Purchase loans totaled 704,000, and refinance activity increased late in the year as mortgage rates eased. Multifamily acquisition volume reached its highest level in five years, reflecting continued demand for rental housing.
 
Looking ahead to 2026, Fannie Mae enters the year with a stronger capital base but faces ongoing uncertainty. Mortgage rates, home prices, and borrower affordability will shape activity in the months ahead. If rates stabilize, refinancing could continue to grow. If economic conditions weaken, credit costs may rise.
 
For now, Fannie Mae remains a key pillar of the U.S. mortgage system, balancing steady revenue growth with cautious risk management. 
 
For direct financing consultations or mortgage options for you visit  Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable reality.
 
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https://www.forumnadlanusa.com/2026/02/fannie-mae-reports-lower-2025-profit-but-reaches-record-109-billion-net-worth/
#FannieMae #MortgageMarket #HousingFinance #RealEstateNews #USHousing

Florida Condo Market Faces Major Changes in 2026 as New Laws Shift Power to Buyers and Holdouts

Florida’s condo market is entering a new and more complex phase in 2026. Two major legal changes are reshaping how buyers, sellers, and developers approach condominium deals across the state.
 
The first shift comes from House Bill 913, which now requires condo associations with 25 or more units to maintain a secure digital portal. Through this portal, prospective buyers can review budgets, reserve funds, bank statements, and structural inspection reports before making an offer.
 
For years, many buyers in South Florida had limited visibility into a building’s financial health. Now, transparency is becoming standard. This is especially important in markets like Miami-Dade County, where roughly 65% of active condo listings are in older buildings. Properties with strong reserve funding and completed inspections are gaining a competitive edge, while buildings with deferred maintenance may face longer negotiations and pricing pressure.
 
The second major change stems from the Biscayne 21 court ruling. The decision confirmed that if a condo’s governing documents require unanimous consent for termination or redevelopment, even a small minority of owners can block a buyout. In some cases, as little as five to ten percent of owners can stop a project.
 
This ruling creates a divided landscape. Buildings with 75% or 80% termination thresholds may still attract developers, but those requiring 100% approval could see redevelopment plans stall. As a result, developers are reviewing governing documents more carefully than ever.
 
At the same time, buyers are becoming more selective. Reserve funding, inspection reports, and long-term maintenance planning now weigh heavily in purchasing decisions.
 
The Florida condo market in 2026 is more transparent—but also more legally nuanced. For buyers, that means fewer surprises but greater due diligence. For developers, it means deeper legal analysis. And for sellers, it means building management quality directly impacts value.
 
These structural shifts are shaping a more cautious, informed, and competitive condo market across the state
 
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https://www.forumnadlanusa.com/2026/02/florida-condo-market-faces-major-changes-in-2026-as-new-laws-shift-power-to-buyers-and-holdouts/
#FloridaRealEstate #CondoMarket #HousingLaw #SouthFlorida #RealEstateTrends

Affordable Apartment Construction Jumps to Five Year High Across the U S

The United States has seen a major rise in affordable apartment construction over the past five years, marking one of the strongest periods for income-restricted housing in more than a decade.
 
According to new data from RentCafe, nearly 310,000 affordable apartments have been completed since 2020. About 91,000 of those units were delivered in 2024 alone, making last year the strongest year for affordable housing construction in ten years.
 
What stands out is that affordable housing growth has outpaced overall apartment construction. Between 2020 and 2024, affordable apartment deliveries increased 73% compared to the previous five-year period. Overall apartment construction also rose, but at a slower pace of 36%. As a result, income-restricted housing now represents a larger share of new development than it did a decade ago.
 
Several major metro areas have led this expansion. Seattle and New York City delivered the highest number of affordable units, while Austin, Atlanta, and the Twin Cities also posted strong gains. In many of these markets, population growth and rising housing costs increased pressure to expand lower-cost rental options.
 
This building surge has been supported by federal funding programs, expanded state housing tax credits, and continued use of the Low-Income Housing Tax Credit program. Policy flexibility and financial incentives have helped offset rising construction costs and make projects viable.
 
For renters, the increase in supply may help slow rent growth in some areas. However, affordability challenges remain widespread, especially in high-cost regions where demand continues to outpace supply.
 
The bigger question is whether this momentum can continue. Future growth will depend on ongoing policy support, stable financing conditions, and how construction costs evolve.
 
The takeaway is clear: meaningful progress has been made in expanding affordable rental housing, but long-term affordability will require sustained effort.
 
For direct financing consultations or mortgage options for you visit Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable reality.
 
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https://www.forumnadlanusa.com/2026/02/affordable-apartment-construction-jumps-to-five-year-high-across-the-u-s/
#AffordableHousing #RentalMarket #HousingSupply #RealEstateNews #HousingAffordability

Mortgage and refinance interest rates today, February 10, 2026 Rates remain under 6%, for now

Mortgage rates are still holding just under the 6% mark, a level many buyers and homeowners have been watching closely. While rates have been calm in recent days, this window is not guaranteed to stay open.
 
According to Zillow, the national average 30-year fixed mortgage rate is 5.91%, while the 15-year fixed rate stands at 5.44%. These are national averages, so actual rates depend on credit score, lender, and location. Still, rates below 6% represent a meaningful shift from where borrowing costs stood last year.
 
Purchase rates remain slightly lower than refinance rates, which is typical. Refinancing can still make sense for homeowners who locked in loans when rates were well above today’s levels, especially if the goal is to lower monthly payments or adjust loan terms.
 
Choosing between a 30-year and a 15-year mortgage comes down to priorities. A 30-year loan offers lower monthly payments and flexibility, but higher total interest over time. A 15-year loan carries higher monthly costs but builds equity faster and significantly reduces lifetime interest.
 
Adjustable-rate mortgages remain an option, but the gap between fixed and adjustable rates is small right now. That has pushed many borrowers toward fixed-rate loans for stability and predictability.
 
What’s keeping rates steady is the bond market. Investors are waiting for the next major jobs report, which could move rates quickly in either direction. A weaker report could pull rates lower, while stronger data could push them back above 6%.
 
For borrowers who are ready, today’s rates offer a rare mix of stability and opportunity—but timing still matters.
 
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https://www.forumnadlanusa.com/2026/02/mortgage-and-refinance-interest-rates-today-february-10-2026/
#MortgageRates #HousingMarket #HomeBuying #Refinance #RealEstateNews

Luxury Home Prices Rise, But Buyers Are Still Holding Back

Luxury home prices in the U.S. ended 2025 higher, but the story behind those gains is not stronger demand. Instead, price growth at the top of the market is being driven by limited supply, according to new data from Redfin, which is backed by Rocket Companies.
 
In December, the median sale price for luxury homes rose 4.6% year over year to $1.31 million. By comparison, non-luxury home prices increased just 1.4% to $375,000, the slowest growth rate since Redfin began tracking the data in 2013. Despite the national rise, luxury prices fell in only two major metros: Fort Worth, Texas, and Portland, Oregon.
 
Local performance varied widely. Milwaukee, Orlando, and Nashville posted the strongest luxury price gains, while demand weakened sharply in markets like San Jose and Philadelphia. Pending luxury sales jumped in places such as West Palm Beach and San Francisco but dropped significantly in several California and Northeast metros.
 
Inventory is rising, but not fast enough to cool prices meaningfully. Active luxury listings were up 5.6% from a year earlier, the slowest growth since spring. New luxury listings increased modestly, while new non-luxury listings declined, suggesting some sellers are holding back as buyers remain cautious.
 
Luxury homes are selling quickly only when they meet very specific criteria. In markets like San Jose and Oakland, top-tier homes are going under contract in weeks. In contrast, luxury listings in South Florida are sitting for months. According to Redfin agents, competition is focused on a small group of high-quality homes in prime locations, often attracting cash offers and waived contingencies. Homes that miss on price, condition, or location tend to linger.
 
Even with higher prices, demand remains soft. Pending luxury sales fell year over year, and closed sales showed only modest growth. The takeaway is clear: luxury prices are rising because supply is tight, not because buyers are rushing in.
 
Unless mortgage rates fall further or inventory improves meaningfully, price gains at the high end are likely to stay uneven and limited to homes that truly stand out.
 
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https://www.forumnadlanusa.com/2026/02/luxury-home-prices-rise-but-buyers-are-still-holding-back/
#LuxuryRealEstate #HousingMarket #HomePrices #RealEstateTrends #MarketOutlook

Fed Policy Unlikely to Change Quickly Under Kevin Warsh, Analysts Say

Analysts at Morgan Stanley are pushing back on the idea that the Federal Reserve would undergo rapid or dramatic change if Kevin Warsh becomes the next Fed chair.
 
While Warsh has long been vocal about reducing the Fed’s footprint in financial markets—especially its massive balance sheet—economists say the reality is far more constrained. According to Morgan Stanley, even a philosophically different Fed chair would face structural limits that make fast change unlikely.
 
Warsh has criticized three main areas: the size of the Fed’s asset holdings, what he sees as blurred lines between monetary and fiscal policy, and a communication strategy that can move markets too aggressively. But analysts stress that turning those views into policy would take years, not months.
 
The biggest roadblock is bank reserve demand. Although the Fed has already reduced its balance sheet from roughly $9 trillion to about $6.6 trillion, most of that reduction came from trimming overnight reverse repo facilities. Actual bank reserves—the lifeblood of short-term funding markets—have barely declined.
 
Shrinking the balance sheet further would start pulling reserves out of the system, risking a shift from an “ample” reserve environment to a scarce one. That transition could drive up short-term rates and destabilize money markets, something the Fed is determined to avoid.
 
Post-2008 regulations make this even harder. Banks are now required to hold large liquidity buffers under rules like the Liquidity Coverage Ratio. Lowering reserve demand would mean loosening those safeguards, increasing vulnerability during future crises. As Morgan Stanley put it, there’s no free lunch.
 
Mortgage-backed securities are another constraint. With refinancing activity muted by higher mortgage rates, the Fed’s MBS holdings are running off at a very slow pace. Analysts estimate it could take close to a decade just to cut those holdings in half organically. Active sales are unlikely, given the potential damage to housing markets and financial stability.
 
The bottom line is simple: even with a new Fed chair and a new philosophy, meaningful change would unfold gradually. Structural realities—not leadership headlines—will continue to shape how the Federal Reserve operates.
 
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https://www.forumnadlanusa.com/2026/02/fed-policy-unlikely-to-change-quickly-under-kevin-warsh-analysts-say/
#FederalReserve #MortgageRates #MonetaryPolicy #FinancialMarkets #EconomicOutlook

Nearly 4 in 10 U.S. Homeowners Owned Their Homes Mortgage-Free in 2024

Nearly four in ten U.S. homeowners now own their homes outright, marking a significant shift in housing behavior across the country. According to new data from the U.S. Census Bureau, 39.4% of owner-occupied homes were mortgage-free in 2024, up sharply from about 34% a decade earlier.
 
This isn’t a short-term anomaly. It’s the result of long-running trends that accelerated after the pandemic. Higher mortgage rates, rising home prices, and economic uncertainty have pushed many homeowners to stay put rather than move, refinance, or take on new debt. For millions of households, paying down an existing mortgage—or avoiding one altogether—has become a form of financial security.
 
The growth in mortgage-free ownership is happening everywhere, but the levels vary widely by location. States like West Virginia top the list, with more than half of homeowners owning outright. In contrast, places like Maryland and the District of Columbia have much lower shares, reflecting higher home prices and more recent buyer activity.
 
Rural areas continue to lead the trend. Lower home values, longer ownership periods, and older populations mean rural counties often have far higher rates of mortgage-free homes. More than 2,200 counties nationwide now have outright ownership rates above 40%. Urban counties still lag behind, but many are catching up as homeowners hold onto properties longer and focus on reducing debt.
 
Some of the fastest growth has occurred in Southern metro counties, where affordability pressures and population shifts have encouraged long-term ownership. In parts of Georgia, Alabama, and Texas, the share of mortgage-free homeowners has climbed dramatically over the past decade.
 
This trend matters because it shapes the broader housing market. When homeowners don’t have mortgages—and don’t want to give up low-cost housing—they’re less likely to sell. That keeps inventory tight, limits mobility, and makes it harder for new buyers to find homes.
 
As long as mortgage rates remain elevated, the number of mortgage-free homeowners is likely to keep rising. The result is a housing market increasingly defined by stability and caution—one where fewer people are willing to move, and more are choosing to stay put and own outright.
 
For direct financing consultations or mortgage options for you visit  Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable reality.
 
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https://www.forumnadlanusa.com/2026/02/nearly-4-in-10-u-s-homeowners-owned-their-homes-mortgage-free-in-2024/
#HousingMarket #Homeownership #MortgageFree #RealEstateTrends #HousingAffordability

January Jobs Report Set for Feb 11 Release After Shutdown Delay with captions

The U.S. labor market is about to come back into focus after a brief pause. The January jobs report, delayed by last week’s short government shutdown, will now be released on February 11, according to an updated schedule from the Bureau of Labor Statistics.
 
This report is one of the most closely watched economic releases in the country. It plays a key role in shaping expectations around hiring trends, wage growth, and the overall health of the economy. The delay created uncertainty for markets, but officials say the data will be released in full once operations return to normal.
 
Along with the January employment report, the Bureau of Labor Statistics also adjusted the timing of other major releases. The Job Openings and Labor Turnover Survey, known as JOLTS, will now be published later in the week. The January Consumer Price Index, another critical inflation measure, has also been pushed back and will be released on February 13, along with the real earnings report.
 
Economists currently expect the January jobs report to show modest growth. Forecasts suggest about 60,000 jobs were added during the month, slightly higher than December’s gain, while the unemployment rate is expected to hold steady at 4.4%. These projections point to a labor market that is still stable, but clearly cooling compared to previous years.
 
That view was reinforced earlier this week when payroll processor ADP reported that private-sector hiring slowed sharply in January. Employers added just 22,000 jobs, far below expectations, with most of the gains coming from health care and education. While ADP data doesn’t always line up with government figures, it often influences market sentiment ahead of the official release.
 
The upcoming jobs report matters because labor conditions are central to interest rate decisions and economic policy. With growth slowing and inflation still above target, investors and policymakers will be watching closely for any signs that hiring is weakening further—or holding up better than expected—as 2026 gets underway.
 
For direct financing consultations or mortgage options for you visit  Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable reality.
 
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https://www.forumnadlanusa.com/2026/02/january-jobs-report-set-for-feb-11-release-after-shutdown-delay/
#JobsReport #LaborMarket #USJobs #EconomicData #InterestRates

U S Mortgage Market Splits in Two as Buyers Return but Many Are Still Shut Out with captions

The U.S. housing market in early 2026 is sending mixed and sometimes confusing signals. After years of elevated mortgage rates and sharply higher home prices, confidence in homeownership has weakened—especially among younger Americans. Yet new industry data suggests buyer demand is slowly returning, though only for a narrow slice of the population.
 
Mortgage executives and economists increasingly describe today’s market as a “tale of two cities.” Some buyers are moving forward with confidence, while others remain firmly stuck on the sidelines.
 
One sign of renewed activity comes from large lenders that are well positioned to capture demand when rates dip. As mortgage rates slipped just below 6%, some lenders reported a noticeable pickup in applications and production. These gains are being driven largely by borrowers with strong credit profiles, higher incomes, and existing home equity.
 
Many of these buyers are current homeowners who can use equity from their homes to move up or relocate. Even if it means giving up ultra-low pandemic-era mortgage rates, lower prices in relative terms—and slightly cheaper financing—are enough to make the math work again. This group is powering much of the recent rise in mortgage activity and is expected to support modest growth in home sales this year.
 
But this rebound is far from universal.
 
For renters and first-time buyers, affordability remains a major barrier. Home prices are still more than 40% higher than before 2020, and the median home price now sits well above what many households can reasonably afford. Younger buyers face added challenges, including student loan debt, limited savings for down payments, and competition from buyers who can bring cash or large amounts of equity.
 
As a result, rising mortgage applications don’t necessarily mean the market is becoming broadly affordable—they reflect strength among buyers who were already closer to qualifying.
 
Economists expect improvement to come slowly. As more homeowners are forced to move due to life events and inventory gradually increases, conditions may ease further. But for now, the housing market remains divided.
 
The bottom line is clear: in 2026, lower mortgage rates are helping some buyers reenter the market—but meaningful affordability gains for younger and first-time buyers remain elusive.
 
For direct financing consultations or mortgage options for you visit Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable reality.
 
🔍 If you’re looking to get the best possible mortgage in the U.S. for Foreign Nationals and Americans, and want to run an auction between more than 3,000+ lenders, click here👇
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Continue reading on our site: 
https://www.forumnadlanusa.com/2026/02/u-s-mortgage-market-splits-in-two-as-buyers-return-but-many-are-still-shut-out/
#HousingMarket #MortgageRates #Homebuyers #Affordability #RealEstate2026