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Affordability

Kimber White’s vision for NAMB: Affordable housing and enhanced mortgage education

Affordability, Continuing Education, HWmember, LendingLife, Mortgage, Mortgage Broker, NAMB, Politics /

Kimber White, the incoming president for the National Association of Mortgage Brokers (NAMB), is taking the reins of the organization on Oct. 1, marking the second time that he’ll be leading the organization. White originally held the role, which is a one-year term, back in 2020. Five years later, White sat down with HousingWire to […]

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New bill aims to ‘unlock’ affordable housing funding

Affordability, Affordable housing, Congress, Housing Inventory, Housing Market, HWmember, Multifamily Housing, Politics, Real Estate /

U.S. Reps. Sam Liccardo, D-Calif., and Mike Flood, R-Neb., introduced legislation Tuesday aimed at making it easier for cities to use federal money to build affordable housing. The Unleashing Needed Local Options to Construct and Keep Housing (UNLOCK) Act would loosen restrictions on how municipalities spend Community Development Block Grant (CDBG) funds. Efforts stem from

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Click n’ Close pairs 5/1 ARM with down payment assistance for new homes

Adjustable-Rate Mortgage, Affordability, Down Payment Assistance, homebuilder, HWmember, Mortgage /

Mortgage lender Click n’ Close has rolled out a new financing product that pairs an adjustable-rate mortgage with down payment assistance in an effort to make new homes more accessible to buyers. The program — called the SmartBuy 5/1 ARM Down Payment Assistance product — offers a first mortgage alongside a repayable second mortgage. The

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$12.7 trillion in US homes face severe climate risks

Affordability, FEMA, Flood insurance, Homeowners insurance, Hurricane, HWmember, National Flood Insurance Program, Real Estate, Realtor.com, Wildfire /

More than one in four U.S. homes — valued at $12.7 trillion — are exposed to severe or extreme climate risks, according to a report released Tuesday by Realtor.com. The analysis found that threats from flooding, hurricane winds and wildfires are increasingly reshaping housing markets, homeowner costs and insurance availability. “Climate risks are no longer

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Gen Z offers its thoughts on the renter vs. homeowner debate

Affordability, Data & Visuals, Gen Z, Home Prices, Homeownership, Housing Market, HWmember, Mortgage Rates, Renters /

Homeownership has long been seen as a marker of stability and success. But for many in Generation Z — the youngest group entering the housing market — that dream feels increasingly out of reach. Rising mortgage rates, high home prices, student debt and career uncertainty are reshaping what housing looks like for this generation —

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This year’s homebuyers need larger rate drops for refi benefits

Affordability, Homeownership, HWmember, Mortgage, Mortgage Rates, Refinancing /

Homeowners who bought in 2025 with the expectation of refinancing may not see savings unless interest rates fall by at least 0.75 percentage points, according to a report released this week by Neighbors Bank. The national analysis modeled typical refinance scenarios across all 50 states using a 30-year fixed-rate mortgage of 6.8%, an average loan

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Experts offer multi-faceted solutions to the housing supply shortage

Affordability, BlackRock, First-Time Homebuyers, Gen Z, Housing Inventory, Housing Market, HWmember, Investors, Millennials, NAHB, Real Estate, Regulatory, Urban Institute, Virginia, Zoning /

As the nationwide housing inventory and affordability crisis persists, a trio of experts sit down with HousingWire to detail proposed solutions. The solve? It’s multi-faceted and it comes down to fixing supply issues, changing zoning and updating regulation. Kent Colton, president of the Colton Housing Group and former CEO of the National Association of Home

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US land market cools as demand, deals dry up

Affordability, Home Prices, Homebuilders, Housing Inventory, HWmember, John Burns Real Estate Consulting, Real Estate /

The U.S. land market is rapidly losing momentum, with demand falling to levels not seen since late 2022, according to Q2 2025 data from John Burns Research & Consulting. Only 28% of land brokers describe demand as strong, down sharply from 76% a year ago. The pullback marks a steep reversal after two years of

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Rent collections improve slightly, but late payments signal strain

Affordability, Data & Visuals, Debt, Housing Market, HWmember, Multifamily, Multifamily Housing, Rent Prices, Rental Properties, Renters, Single-Family Rentals /

On-time rent payments improved in August 2025, offering a rare positive note in a year marked by declining performance, according to new data from Chandan Economics. Preliminary estimates for August show that 83.2% of tenants at independently operated units paid their rent on time — up 34 basis points (bps) from July. July’s figure was

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 Rising insurance costs cut into buyer affordability

Affordability, Climate Change, Homeowners insurance, Housing Market, HWmember, Insurance, Real Estate /

Housing affordability is taking center stage this fall for the Trump administration. From President Donald Trump’s early executive order ordering the heads of all executive departments and agencies “to deliver emergency price relief,” to Treasury Secretary Scott Bessent highlighting housing affordability as one of his “big projects,” the affordability crisis is clearly top of mind.

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