Mortgages
10 articlesThe strongest articles will unpack down payment, loan to value and mortgage insurance and bring in escrow accounts, first time homebuyers and FHA loans only where they clarify costs, eligibility, reporting duties, account access or investment exposure.
Buffalo Niagara homeowners keep mortgage debt in check
Buffalo Niagara borrowers are not overextending on home loans, suggesting many households are keeping debt manageable even as higher borrowing costs and household expenses test budgets
Housing Debt Declines With Age, But Doesn't Vanish
Many Americans enter retirement still owing over $100,000 on their homes, forcing them to balance mortgage payments with reduced income and rising healthcare costs as they age
Cooling Inflation Fails to Bring Relief for Mortgage Rates in 2026
June's PCE inflation slowed, but mortgage rates remain stubbornly high as oil prices and Fed caution keep borrowing costs elevated. Homebuyers hoping for lower rates may have to wait until inflation and global risks subside.
Affluent Buyers Drive Uneven Rebound in U.S. Vacation-Home Market
Demand for vacation homes is rising for the first time since the pandemic, but the recovery is limited to high-income buyers as most Americans remain priced out by high mortgage rates and soaring property values
Homeowners' Net Worth Is Nearly 38 Times Higher
The median net worth of U.S. homeowners reached $396,500 in 2022, nearly 38 times that of renters, as rising home values and equity gains continue to widen the wealth gap between owners and renters across all age groups
Home Sellers Rethink Pricing as U.S. Housing Market Slows in 2026
With more homes on the market and buyers taking their time, U.S. sellers are adjusting expectations-often pricing below recent highs and factoring in concessions to secure a deal in a slower real estate market
Mortgage Rates Climb to 11-Month High, Squeezing Homebuyers
The average 30-year fixed mortgage rate has surged to 6.78%, the highest since last summer, making it even harder for buyers to afford homes as prices remain elevated and forecasts suggest little relief ahead
Congress Passes Sweeping Housing Law to Tackle Affordability Crisis
A major bipartisan housing bill aims to boost home supply and ease construction bottlenecks, but experts warn that relief for buyers and renters will take years to materialize
Baby Boomers Face Retirement With Record Debt Levels
A growing share of baby boomers are entering retirement with substantial debt, including mortgages and credit cards, raising new risks for fixed-income households as healthcare and living costs climb
US Home Prices Reach Record High as Affordability Worsens
The median price for existing homes in the US hit $440,660 in June, marking a new peak as affordability remains out of reach for many buyers and a major housing bill stalls in Washington