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U.S. House Passes Revised Housing Bill and Sends It Back to Senate

House Passes Major Housing Affordability Bill
The U.S. House of Representatives just approved a major housing affordability bill…
And it could become one of the biggest housing reform packages in years.
The legislation passed by a massive bipartisan vote of 396 to 13…
Showing strong support from both Democrats and Republicans despite ongoing disagreements over several key housing issues.
 
Now the bill heads back to the Senate for another round of negotiations before potentially reaching President Donald Trump’s desk.
So what’s inside the bill?
The goal is simple:
Increase housing supply…
Improve affordability…
And help more Americans access homeownership opportunities.
 
The legislation includes measures designed to:
Encourage new home construction…
Convert abandoned buildings into housing…
Support local development projects…
Modernize older housing…
And improve lending access through community banks.
 
Lawmakers say the country still faces a major housing shortage…
And boosting supply remains one of the most important long-term solutions for affordability.
One of the biggest debates involved institutional investors.
The original Senate version included stricter rules targeting large investment firms that own thousands of single-family homes.
That version would have forced some companies involved in build-to-rent housing to sell those properties within seven years.
But the House removed that requirement.
Why?
 
Because builders and housing industry groups argued the rule could actually reduce new construction activity and make the housing shortage worse.
Supporters of the revised bill say allowing investors to continue funding new developments could help increase overall housing inventory.
Critics disagree.
 
Some lawmakers — including Senator Elizabeth Warren — say the changes weaken protections designed to help first-time buyers compete against Wall Street investors.
The debate has become one of the biggest political battles in housing right now.
Should lawmakers focus more on limiting investor ownership…
Or increasing housing supply through new construction?
 
The revised bill also adds new housing supply frameworks focused on:
Zoning reform…
Land-use planning…
Density improvements…
And reducing local barriers that slow development projects.
Housing advocates say many cities simply are not building enough homes fast enough to meet long-term demand.
Meanwhile…
 
The White House signaled support for the revised House version on Wednesday.
The Trump administration said the legislation could help expand single-family housing availability while supporting working families trying to buy homes.
Several housing and lending organizations also praised the bill…
Especially sections supporting:
Manufactured housing…
Small-dollar mortgage lending…
And affordable development efforts.
Still…
 
The bill’s future remains uncertain in the Senate.
Lawmakers continue debating how aggressively the federal government should regulate institutional investors in the housing market.
At the same time…
 
Affordability pressures continue growing nationwide.
Buyers are still facing:
Mortgage rates above 6%…
Limited inventory…
Rising insurance costs…
Higher construction expenses…
And elevated home prices.
That’s why housing has become one of the biggest economic and political issues in America during 2026.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact today for a tailored consultation, where our expert advice turns potential into profitable reality. 
 
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Continue reading on our site: https://www.forumnadlanusa.com/2026/05/u-s-house-passes-revised-housing-bill-and-sends-it-back-to-senate/ 
#HousingMarket #RealEstate #HousingAffordability #Homebuyers #Congress 

Mortgage Applications for New Homes Fall in April: Affordability Pressures Continue

New Home Mortgage Applications Fall as Housing Market Slows
Mortgage applications for newly built homes dropped again in April…
Adding more signs that the U.S. housing market is losing momentum as affordability challenges continue growing across the country.
According to the latest Mortgage Bankers Association Builder Application Survey…
 
Applications for new home purchases declined 2.4% compared to last year…
And fell another 10% from March.
That slowdown is happening during what is normally one of the busiest periods of the spring housing season.
So what’s causing buyers to pull back?
The biggest issue remains mortgage rates.
 
Borrowing costs are still sitting near some of the highest levels seen since late 2025.
And for many buyers…
Monthly payments are simply becoming too expensive.
Higher rates combined with elevated home prices…
Rising insurance premiums…
Property taxes…
And inflation-driven living costs…
Are all making affordability more difficult.
 
According to MBA Deputy Chief Economist Joel Kan…
Economic uncertainty and elevated mortgage rates were the main reasons purchase activity weakened in April.
In fact…
Applications for newly built homes fell below year-ago levels for the first time since October of 2025.
The pace of new home sales also slowed sharply.
 
MBA estimates show builders operated at a seasonally adjusted annual sales pace of about 655,000 homes in April…
Down significantly from March.
That’s creating a softer spring market than many economists originally expected earlier this year.
 
Now builders are facing growing levels of unsold inventory in many regions.
To attract buyers…
Developers are increasingly offering incentives like:
Mortgage rate buydowns…
Closing cost assistance…
Price reductions…
Free upgrades…
And flexible financing options.
One of the biggest trends right now is the growing use of government-backed mortgage programs.
 
FHA, VA, and USDA loans now account for more than half of all mortgage applications for newly built homes.
These programs are becoming more important because they allow:
Lower down payments…
More flexible credit standards…
And lower upfront cash requirements.
Meanwhile…
 
Average loan sizes are starting to move lower.
That suggests many buyers are adjusting budgets downward and shopping for:
Smaller homes…
More affordable suburbs…
Or lower-cost housing markets.
Builders are responding too.
 
Many developers are now focusing more heavily on entry-level housing and smaller floorplans to keep monthly payments manageable.
Even though demand has softened…
New construction still plays a major role in the housing market.
 
Economists continue warning that the United States still faces a long-term housing shortage.
That means builders remain extremely important for improving future inventory levels and affordability conditions.
Now the big question becomes:
Will mortgage rates stabilize later this year?
If inflation cools and borrowing costs improve…
Housing activity could gradually recover during the second half of 2026.
But if rates remain elevated…
 
Affordability pressure may continue slowing both buyer demand and new home sales.
For now…
The housing market remains caught between strong long-term demand and one of the toughest affordability environments seen in years.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact today for a tailored consultation, where our expert advice turns potential into profitable reality. 
 
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Continue reading on our site: https://www.forumnadlanusa.com/2026/05/mortgage-applications-for-new-homes-fall-in-april-affordability-pressures-continue/ 
#HousingMarket #MortgageRates #RealEstate #Homebuilders #Homebuying 

30-Year Mortgage Rate Jumps to 6.50%: Housing Market Faces More Challenges

Mortgage Rates Hit Highest Levels Since Last Summer
Mortgage rates are climbing again across the United States…
And now borrowing costs are reaching some of the highest levels seen in nearly nine months.
 
According to the latest mortgage market data…
The average 30-year fixed mortgage rate jumped to 6.50% this week.
That’s the highest level since August of 2025.
And nearly every major loan category moved higher at the same time.
Current national averages now include:
30-year fixed mortgages at 6.50%…
15-year fixed loans near 6%…
And adjustable-rate mortgages climbing sharply as well.
 
Refinance rates also moved higher…
Adding more pressure for homeowners hoping to lower monthly payments.
So why are mortgage rates rising again?
The answer starts with inflation.
 
Recent economic reports showed inflation accelerating faster than expected during April.
Energy prices…
Gasoline costs…
Transportation expenses…
And service-sector inflation all moved higher.
As inflation rises…
Bond markets react quickly.
And because mortgage rates closely follow Treasury yields…
 
Borrowing costs across the housing market move up too.
Investors are also becoming less confident that the Federal Reserve will cut interest rates anytime soon.
Earlier this year…
Many markets expected multiple Fed rate cuts in 2026.
Now…
 
Some traders are actually beginning to consider the possibility of future rate hikes if inflation continues worsening.
That shift has pushed Treasury yields sharply higher throughout May.
And mortgage lenders are responding.
For homebuyers…
The impact is becoming painful.
Even small increases in mortgage rates can dramatically change affordability.
For example…
 
A buyer financing a $400,000 home today faces significantly higher monthly payments than someone who bought during the low-rate years of 2020 or 2021.
Because of that…
Many buyers are now:
Reducing budgets…
Looking at smaller homes…
Moving toward cheaper metro areas…
Or delaying purchases completely.
 
Some are also turning back toward adjustable-rate mortgages — commonly called ARMs — to lower upfront monthly costs.
With products like a 5/1 ARM…
Borrowers get a fixed rate for the first five years before the loan begins adjusting annually.
These loans can help reduce short-term payments…
But they also carry future risk if rates stay elevated.
Meanwhile…
The housing market itself remains under pressure.
Inventory has improved slightly in some regions…
But affordability challenges continue slowing activity across much of the country.
 
Higher mortgage rates are also keeping many existing homeowners locked into older low-rate mortgages.
Millions of owners still hold rates below 4%…
Which makes moving or refinancing financially difficult.
That lock-in effect is still limiting housing supply in many markets.
Now the big question becomes:
Where do rates go next?
If inflation finally cools later this year…
Mortgage rates could eventually stabilize or move lower.
But if inflation remains stubbornly high…
 
Borrowing costs may stay elevated much longer than buyers hoped earlier in 2026.
For now…
The U.S. housing market remains heavily tied to inflation, Treasury yields, and Federal Reserve policy expectations.
And mortgage rates continue sitting near the highest levels seen since last summer.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact today for a tailored consultation, where our expert advice turns potential into profitable reality. 
 
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Continue reading on our site: https://www.forumnadlanusa.com/2026/05/30-year-mortgage-rate-jumps-to-6-50-housing-market-faces-more-challenges/ 
#MortgageRates #HousingMarket #RealEstate #Homebuyers #InterestRates 

Rising Mortgage Rates Push More Homebuyers Toward Adjustable Loans

Mortgage rates are rising again across the United States…
And now more homebuyers are turning to adjustable-rate mortgages — also known as ARMs — as affordability pressures continue growing throughout the housing market.
 
According to new Mortgage Bankers Association data…
The average 30-year fixed mortgage rate climbed to 6.56%, reaching its highest level in nearly two months.
That increase is creating even more pressure for buyers already struggling with:
Higher home prices…
Rising insurance costs…
Property taxes…
And overall inflation.
At the same time…
 
Demand for adjustable-rate mortgages has surged to its highest level since late 2025.
So why are buyers suddenly looking at ARMs again?
The answer is simple:
Lower upfront monthly payments.
Right now, the average rate on a five-year adjustable mortgage is around 5.76%…
Noticeably lower than the typical 30-year fixed loan.
 
For many buyers, even a small rate difference can save hundreds of dollars per month.
And in today’s market, that savings matters.
Especially for first-time buyers trying to qualify for a mortgage while affordability keeps getting worse.
With an ARM…
 
The borrower gets a fixed interest rate for an introductory period — usually five, seven, or ten years.
After that…
The rate adjusts annually based on market conditions.
That means the payment could increase later if rates stay elevated.
And that’s the biggest risk.
During the 2008 housing crisis…
 
Many borrowers struggled when adjustable loans reset higher.
However, experts say today’s mortgage market is very different.
Lending standards are much stricter…
 
Borrowers face stronger income verification…
And most lenders now require better financial qualifications than during the pre-crash years.
Still, ARMs carry more uncertainty than fixed-rate loans.
So buyers need to compare options carefully.
Meanwhile…
The broader housing market is starting to slow again.
Mortgage applications for home purchases fell last week…
And refinance activity also weakened.
Many homeowners who locked in rates below 4% during 2020 and 2021 still have little reason to refinance today.
Inflation continues playing a major role here.
Recent economic reports showed inflation moving higher again during April…
Driven partly by rising fuel prices, energy costs, and ongoing geopolitical tensions.
As inflation rises…
Treasury yields move higher…
And mortgage rates usually follow.
Financial markets are also becoming less confident that the Federal Reserve will cut rates anytime soon.
 
In fact…
Some traders are now even considering the possibility of future rate hikes if inflation remains stubbornly high.
That uncertainty is keeping pressure on mortgage markets.
For buyers…
The result is simple:
Higher monthly housing costs.
And because of that, many households are now:
Reducing budgets…
Moving toward cheaper metro areas…
Considering smaller homes…
Or exploring alternative financing options like ARMs.
 
The big question now is what happens during the second half of 2026.
If inflation cools later this year…
Mortgage rates could eventually stabilize.
But if inflation stays elevated…
Borrowing costs may remain high for much longer than buyers originally expected.
For now…
Mortgage rates remain one of the biggest forces shaping the entire U.S. housing market.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact 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/2026/05/rising-mortgage-rates-push-more-homebuyers-toward-adjustable-loans/
#MortgageRates #RealEstate #HousingMarket #Homebuyers #InterestRates  

Housing Affordability Bill Advances: Investors Win Key Changes in House Deal

The U.S. House of Representatives is preparing to vote on a major housing affordability bill…
And it could significantly change how large investment firms participate in the single-family housing market.
The bipartisan legislation is designed to address one of the biggest housing issues facing Americans today:
Affordability.
 
But lawmakers are trying to balance two competing goals at the same time…
Making homeownership more accessible…
While still encouraging new housing construction.
So what would the bill actually do?
Under the proposed legislation…
 
Institutional investors that already own more than 350 single-family homes would face restrictions on buying additional existing homes.
That means large Wall Street-backed investors could have a harder time competing against regular families for homes already on the market.
However…
 
The revised House version includes one major compromise.
Large investors would still be allowed to continue building new homes and rental communities.
And that change became one of the biggest differences from the earlier Senate proposal.
Originally…
 
The Senate version included a rule requiring large investors to sell newly built rental homes within seven years.
But builders and housing industry groups strongly opposed that idea.
They argued it would discourage construction…
Reduce financing for new projects…
And make the housing shortage even worse.
So lawmakers revised the bill.
 
The new version removes the forced-sale requirement while still limiting purchases of existing homes.
This debate has become highly political in recent years.
During the pandemic housing boom…
Institutional investors dramatically increased purchases in fast-growing markets across the country — especially in Sun Belt states.
Critics say those investors:
 
Increase competition for first-time buyers…
Push home prices higher…
And reduce available inventory for families trying to buy homes.
But supporters argue institutional investment also helps create rental housing…
Fund new construction…
And improve aging properties.
Another major issue is the rise of build-to-rent communities.
These are neighborhoods of newly constructed single-family homes designed specifically for long-term rentals instead of ownership.
 
Some lawmakers believe these developments reduce opportunities for younger Americans to become homeowners.
Others argue they provide badly needed housing supply during a severe national housing shortage.
And that shortage remains one of the biggest problems in the entire market.
 
Economists estimate the U.S. is still millions of homes short of balanced inventory levels.
That’s why some builders and housing groups supported the revised House bill.
They argue cutting off institutional investment entirely could slow construction activity and worsen affordability over time.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact today for a tailored consultation, where our expert advice turns potential into profitable reality. 
 
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Continue reading on our site: https://www.forumnadlanusa.com/2026/05/housing-affordability-bill-advances-investors-win-key-changes-in-house-deal/ 
#HousingMarket #RealEstate #Homeownership #HousingCrisis #MortgageRates 

Pending Home Sales Rise in April: Housing Market Shows Signs of Stability

The U.S. housing market may finally be showing early signs of recovery.
According to the latest Pending Home Sales Report from the National Association of Realtors…
Pending home sales increased 1.4% in April compared to March…
And climbed 3.2% from one year earlier.
That marks the strongest yearly improvement since late summer of 2025.
 
Now, this doesn’t mean the housing market is suddenly booming again…
But it does suggest more buyers are slowly coming back after a difficult stretch over the past two years.
So what exactly are pending home sales?
Pending sales measure signed contracts for existing homes that haven’t officially closed yet.
Because contracts are usually signed weeks before closing…
 
This report is considered an important early signal for future housing activity.
And right now…
That signal shows cautious improvement.
According to NAR Chief Economist Lawrence Yun…
Many buyers are returning with what he calls “cautious optimism.”
Mortgage rates remain elevated…
Economic uncertainty still exists…
But inventory has improved in many areas…
And buyers now have more negotiating power than they did during the pandemic housing frenzy.
That’s helping some households move forward with purchases again.
Still…
 
Mortgage rates remain one of the biggest obstacles.
30-year mortgage rates recently climbed back above 6.3%…
Making affordability difficult for many families.
Higher borrowing costs continue forcing buyers to:
Reduce budgets…
Delay purchases…
Look for smaller homes…
Or move toward more affordable regions.
 
But compared to 2025…
Conditions have improved in several ways.
There are now more homes available for sale…
Price growth has slowed in some markets…
And bidding wars have cooled in many areas.
That’s creating a more balanced market environment than buyers experienced during the peak pandemic years.
 
Now, regional housing conditions remain very different across the country.
The Northeast posted the strongest monthly increase in pending sales…
While the Midwest continues benefiting from relatively better affordability.
The South saw a modest decline…
And the West remains challenged by very high home prices and financing costs.
Another important issue?
Housing supply still remains limited overall.
Even though inventory has improved…
 
Economists say there still aren’t enough homes available in many markets.
That’s continuing to put upward pressure on prices.
And foreclosure activity also remains historically low…
Which means fewer discounted properties are entering the market.
So despite slower sales activity…
Home prices in many areas are still rising year over year.
Housing analysts say the current market recovery is gradual…
Not explosive.
 
Earlier this year, many economists expected lower mortgage rates to trigger a stronger rebound.
But inflation concerns and rising Treasury yields pushed rates higher again during the spring.
That slowed some of the momentum buyers were starting to build.
Even so…
 
Today’s market is still offering buyers better conditions than a year ago.
More inventory…
Less competition…
And improved negotiating leverage are all helping buyers slowly re-enter the market.
 
The big question now is what happens during the second half of 2026.
If mortgage rates stabilize…
And inflation begins cooling…
Housing activity could continue improving gradually later this year.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact 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/2026/05/pending-home-sales-rise-in-april-housing-market-shows-signs-of-stability/ 
#HousingMarket #RealEstate #MortgageRates #HomeSales #Homebuying 

Mortgage and Refinance Rates Today May 19, 2026: Why Borrowing Costs Keep Moving Higher

Mortgage rates across the United States are climbing again…
And affordability pressure is getting worse for many homebuyers in 2026.
 
According to the latest mortgage market data…
Most major loan products moved higher this week as investors reacted to inflation concerns, rising Treasury yields, and uncertainty around Federal Reserve policy.
Right now, the average 30-year fixed mortgage rate sits around 6.41%.
Meanwhile…
 
15-year fixed loans climbed to roughly 5.84%…
And some adjustable-rate mortgage products moved even higher.
One of the biggest jumps came from the 20-year fixed mortgage…
Which surged by more than 30 basis points in just one day.
 
Refinance rates also remain elevated.
For millions of homeowners who locked in mortgage rates below 4% during 2020 and 2021…
Refinancing no longer makes financial sense in most cases.
So why are rates rising again?
The biggest reason is inflation.
 
Recent economic reports showed stronger-than-expected price increases across both consumer and wholesale markets.
Energy prices…
Services…
Transportation…
And housing-related costs are all continuing to rise.
When inflation stays high…
Bond investors demand higher yields.
 
Both buyers and homeowners are continuing to adjust to a much more expensive financing environment than they experienced during the pandemic housing boom.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact 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/2026/05/mortgage-and-refinance-rates-today-may-19-2026-why-borrowing-costs-keep-moving-higher/
#MortgageRates #HousingMarket #RealEstate #Homebuying #InterestRates

Fixed Mortgage Payments Rising: Why Homeowners Are Paying More Each Month

Many homeowners believe that once they lock in a fixed-rate mortgage…
Their monthly housing payment will stay the same forever.
But in 2026…
 
Millions of Americans are learning that’s not always true.
Even though their mortgage interest rate is fixed…
Their monthly payment is still rising.
Why?
 
Because the mortgage itself is only one part of the total housing payment.
Most homeowners also pay for:
Property taxes…
Homeowners insurance…
Mortgage insurance…
And sometimes flood insurance…
through something called an escrow account.
 
An escrow account is managed by the mortgage servicer.
Every month, part of the homeowner’s payment goes into that account…
And the lender later uses the money to pay annual tax and insurance bills.
The problem is…
Taxes and insurance are not fixed.
And both have increased dramatically over the past several years.
 
According to recent housing data…
Escrow-related housing costs have jumped roughly 45% nationwide since 2019.
Some states saw even larger increases.
Florida experienced around a 70% increase…
And Colorado saw costs rise approximately 77%.
 
One of the biggest reasons is homeowners insurance.
Insurance premiums are soaring because of:
Wildfires…
Hurricanes…
Severe weather…
Higher rebuilding costs…
And growing risks for insurance companies.
 
Industry estimates now suggest average homeowners insurance costs could exceed $3,000 per year nationally by the end of 2026.
Property taxes are also climbing.
As home prices increased rapidly during the housing boom…
 
Local governments reassessed properties at higher values.
That means many homeowners are now paying much more in taxes than they were just a few years ago.
And because those costs are included in escrow accounts…
Monthly mortgage payments continue rising too.
 
This is creating what lenders call an “escrow shortage.”
That happens when the lender realizes the account doesn’t contain enough money to cover upcoming tax and insurance bills.
When that happens…
 
Homeowners are usually given two choices:
Pay the shortage upfront in one lump sum…
Or spread the repayment over the next 12 months.
 
Current estimates suggest the average escrow shortage in 2026 could reach more than $2,100.
That could add nearly $180 extra per month to a mortgage payment.
And many homeowners are completely caught off guard.
A lot of people focus only on their interest rate when buying a house…
Without realizing taxes and insurance can continue rising indefinitely.
 
The impact is especially severe in states dealing with:
Wildfires…
Flooding…
Rapid home price growth…
And hurricane exposure.
Places like Florida, California, Louisiana, Texas, and Colorado have seen some of the sharpest increases in insurance costs nationwide.
Now…
 
There are still ways homeowners may reduce some of these expenses.
Some people shop around for lower insurance rates…
Appeal property tax assessments…
Or apply for exemptions available to seniors, veterans, or primary residents.
But overall…
 
The bigger story is that housing affordability pressures are no longer affecting only new buyers.
Even homeowners who locked in ultra-low mortgage rates during 2020 and 2021 are now facing rising ownership costs through taxes, insurance, utilities, and maintenance.
The good news?
 
Fixed-rate mortgages still protect borrowers from rising loan interest rates.
But the total cost of homeownership continues changing…
And understanding how escrow works has become more important than ever in today’s housing market. 
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact 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/2026/05/fixed-mortgage-payments-rising-why-homeowners-are-paying-more-each-month/ 
#MortgageRates #HousingMarket #Homeownership #RealEstate #Escrow

Zillow Says Dual Agency and Off-MLS Listings Cost Home Sellers Billions

A new housing market study from Zillow is raising serious questions about how homes are being sold across the United States…
And whether some homeowners may be leaving thousands of dollars on the table.
According to the report…
 
Home sellers involved in dual agency transactions lost an estimated $1.49 billion over the past three years.
At the same time…
Sellers who chose to market homes privately without listing them on the Multiple Listing Service — commonly called the MLS — lost another $1.36 billion.
So what’s happening?
First…
 
Let’s talk about dual agency.
Dual agency occurs when the same real estate agent represents both the buyer and the seller in a transaction.
On paper, this can make the process faster and simpler.
But critics argue it also creates a conflict of interest…
Because the same agent is negotiating for both sides at once.
 
Zillow’s research found that sellers in dual agency deals received lower sale prices compared to similar homes where buyers and sellers had separate representation.
The estimated loss?
 
About $2,165 per home on average.
California recorded the largest total losses…
Followed by Florida, New York, and New Jersey.
The report also looked at off-market and off-MLS home sales.
These are properties sold privately without broad public exposure through the MLS system.
According to Zillow…
Homes sold off-MLS averaged about 1.3% lower sale prices than comparable publicly listed homes.
That translated to roughly $4,230 less per seller on average.
And the gap was even larger in lower-priced housing markets.
Why does this matter?
 
Because the MLS gives homes maximum exposure.
It allows listings to reach:
More buyers…
More real estate agents…
And more online platforms.
More exposure usually means more competition…
And more competition often leads to stronger offers.
When homes are sold privately…
Fewer buyers see the property…
Which can reduce bidding activity and lower final sale prices.
The study also highlighted another important issue.
 
Communities of color experienced larger pricing gaps than majority white neighborhoods in off-market sales.
That’s raising new conversations around housing transparency and equal access in real estate transactions.
Now…
Some sellers still prefer private listings.
 
Luxury homeowners, for example, may value privacy, fewer showings, or faster negotiations.
But Zillow’s data suggests sellers should carefully weigh convenience against the possibility of receiving a lower offer.
And this debate is happening at a major turning point for the real estate industry.
 
Commission rules are changing…
Buyer representation models are evolving…
And competition between agents and platforms is increasing rapidly.
 
For homeowners, the biggest takeaway may be simple:
How you sell your home matters.
Questions like:
Will the property appear on the MLS?
How many buyers will actually see it?
Is there dual representation involved?
And how is the agent compensated?
could all affect the final sale price.
As housing markets continue shifting in 2026…
Visibility, transparency, and competition may become even more important for sellers trying to maximize home value.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact 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👇
https://nadlancapitalgroup.com/
 
Continue reading on our site: https://www.forumnadlanusa.com/2026/05/zillow-says-dual-agency-and-off-mls-listings-cost-home-sellers-billions/ 
#RealEstate #HousingMarket #HomeSelling #MLS #DualAgency 

Builder Sentiment Improves in May: Housing Affordability Still a Major Problem

U.S. homebuilder confidence improved slightly in May…
But the housing market is still facing major affordability pressure in 2026.
 
According to the latest Housing Market Index from the National Association of Home Builders, builder sentiment increased by three points this month, reaching a reading of 37.
Now, that may sound positive…
But there’s an important detail.
 
Any reading below 50 means more builders still view market conditions as poor rather than good.
So while confidence improved modestly…
The overall outlook remains weak for the spring housing season.
And the biggest reason?
Affordability.
 
Mortgage rates have climbed back above 6% in recent weeks…
Home prices remain elevated in many metro areas…
And buyers are still struggling with inflation, rising living expenses, and economic uncertainty.
Builders say even small increases in mortgage rates are dramatically affecting monthly payments for homebuyers.
 
At the same time, construction companies are dealing with rising costs of their own.
Builders continue facing pressure from:
Higher land prices…
Labor shortages…
Insurance costs…
Material price volatility…
And expensive financing.
The ongoing Iran conflict and rising oil prices are also creating new challenges by increasing transportation and manufacturing costs across the economy.
Still…
 
There are some early signs buyers may slowly be adjusting to today’s higher-rate environment.
All three major builder sentiment categories improved in May:
Current home sales conditions increased…
Future sales expectations moved higher…
And buyer traffic improved modestly.
That suggests some buyers who paused their home search earlier this year may now be returning to the market.
 
Builders are also becoming more aggressive with incentives.
According to the report:
About 32% of builders cut prices in May…
And more than 60% offered buyer incentives.
These include:
Mortgage rate buydowns…
Closing cost assistance…
Free upgrades…
And flexible financing programs.
Instead of dramatically lowering home prices, builders are trying to improve affordability through targeted incentives.
 
Regional housing markets are also behaving very differently.
The Midwest and Northeast showed the strongest builder confidence…
While the West remains the weakest region due to high home prices and slower demand.
 
Long term, many industry groups still believe the U.S. housing market suffers from one major issue:
Not enough homes.
Years of underbuilding after the 2008 housing crash created a major supply shortage…
And today’s higher borrowing costs are making it harder to fully solve that problem.
Builders are now closely watching new housing legislation moving through Congress that could help encourage additional construction and zoning reform.
 
The bottom line?
Builder confidence improved slightly in May…
But affordability remains one of the toughest housing challenges Americans have faced in years.
And until mortgage rates, inflation, or home prices improve meaningfully…
Both builders and buyers will likely continue navigating a difficult and uncertain market.
 
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