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FirstHome IQ highlights financial literacy gaps among young homebuyers

Affordability, First-Time Homebuyers, Gen Z, Housing Market, HWmember, Millennials /

FirstHome IQ says that millennials and Generation Z face significant gaps in financial knowledge and trust as they approach homebuying age, according to the group’s newly released 2025 Impact Report. The report outlines widespread uncertainty among younger homebuyers — noting that most never received formal financial literacy education. According to the findings, 93% of millennials […]

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Housing affordability challenges steepen in Q3

Affordability, Bankrate, Data & Visuals, First-Time Homebuyers, Home Prices, Homebuyers, Housing Market, HWmember, Mortgage Rates /

The housing market showed faint signs of near-term affordability improvement in late 2025, but it remains dramatically worse than it was before the COVID-19 pandemic, according to new research from Oxford Economics. In the third quarter, a household needed to earn $110,100 a year to afford to own a single-family home, including taxes and insurance.

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Pathway Lending launches $30M housing fund

Affordable housing, Housing Market, HWmember, LendingLife, Nashville, Rental Properties, Tennessee /

Pathway Lending, a Nashville-based Community Development Financial Institution (CDFI), announced on Thursday the launch of the Pathway Housing Fund with $30 million in committed capital to acquire and preserve Naturally Occurring Affordable Housing (NOAH) in Tennessee communities at risk of gentrification. “Over the past two decades, Tennessee’s housing crisis has grown more personal for thousands

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Nonprofits launch fair lending tip lines as federal oversight wanes

Department of Justice, Discrimination, Fair Lending, HWmember, Mortgage, National Community Reinvestment Coalition, National Housing Conference, Politics, Redlining, Regulatory /

Nonprofit organizations say the Trump administration has dramatically scaled back fair lending oversight — and they’re stepping in to fill the void. In its latest move, the Department of Justice (DOJ) this week announced the rescission of disparate-impact liability from its Title VI regulations, while other parts of the federal government have reduced enforcement of

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Prescott home prices decline as inventory and days on market rise

Arizona, Artificial Intelligence, Housing Market Data, HWmember, Local Market Spotlight /

Median list prices in the Prescott metro dropped from $699,250 to $584,900 year-over-year while active listings surged 30.5% to 1,663 homes, marking a sharp reversal in this Arizona mountain market. The price correction represents a significant decline as sellers race to adjust expectations in a shifting landscape. Properties now sit on the market for a

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Boston emerges as hottest large metro market entering 2026

Agent, Boston, Connecticut, Data & Analytics, Home Prices, Home Sales, Housing Inventory, Housing Market, HWmember, Massachusetts, Minnesota, New England, New Hampshire, New York, Real Estate /

Boston has emerged as HousingWire’s hottest major metropolitan housing market heading into 2026 — fueled by chronic supply shortages, rapid sales and a job base that continues to outpace national trends. Local experts say the metro’s long-standing economic strength and global pull are driving competition even as interest rates and broader economic uncertainty persists. Todd

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Fannie Mae broadens ADU, manufactured home eligibility

accessory dwelling units, Adjustable-Rate Mortgage, Fannie Mae, HWmember, Manufactured Housing, Mortgage, Regulatory /

Fannie Mae has announced several new policies in its latest Selling Guide update that are aimed at improving liquidity and expanding access to affordable housing. The changes include new eligibility for manufactured homes, expanded options for accessory dwelling units (ADUs) and updates to adjustable-rate mortgage (ARM) requirements, the government-sponsored enterprise announced on Wednesday. On the

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NewDay USA appoints Michael Gaines as EVP, capital markets

HWmember, Mortgage, NewDay USA, Origination, People Movers, U.S. Department of Veterans Affairs, VA Loan, Veterans /

NewDay USA has hired Michael Gaines as executive vice president of capital markets. Gaines confirmed the news on his LinkedIn account in a post on Dec. 6. “In my first week, I’ve seen firsthand the incredible commitment to serving veterans, service members and their families. I look forward to contributing to this mission and leading

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An action plan for condo affordability

Affordability, Affordable housing, Contributors, Housing Market, HWmember, Mortgage, Opinion /

In recent weeks, President Trump has increasingly focused on “affordability” as a top priority.   When it comes to housing, that means addressing homeownership affordability challenges, which are significant by historical standards.  According to a recent Report by the National Association of Realtors, “The share of first-time home buyers dropped to a record low of 21%,

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November mortgage lock data driven by strong refinance activity

HWmember, Mortgage, Mortgage Rates, Optimal Blue, Origination, Rate Lock, Refinancing, Secondary market /

Optimal Blue on Wednesday released its November 2025 Market Advantage report, which revealed that mortgage rate-lock activity slowed with typical late-fall seasonality but still posted the strongest November in four years. Total lock volume fell 25% from October but was up 17% from November 2024, driven by strong refinance activity and mortgage rates hovering near

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