Real Estate News and Auction

Refinance demand, which is most sensitive to interest rate changes, jumped 9% for the week and was 111% higher than the same week one year ago.

Lender Paid Rate Buydowns are available now! Thats right, we pay if the sellers wont! Also, feds expected to cut rates, so how much will they cut?

Top 50 Real Estate Agents in Arizona by Sales Volume

Real Estate Boom: Mortgage Lock-In Effect

Fed Chair Jerome Powell acknowledged that the Federal Reserve may have gone too far during the pandemic — and it’s a big deal for mortgage rates.

In this episode of The RE Source, we break down what Powell said, what it means for housing, and how these changes could create a small but important window of opportunity for buyers, sellers, and lenders heading into winter.

If you work in real estate or lending, you’ll want to understand this shift before the next Fed meeting.

👉 Watch until the end to learn how this could impact your clients and business strategy.

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SELLER SAVED 110K

See Wednesday’s report on average mortgage rates adjustable-rate mortgages so you can pick the best home loan for your needs as you house shop.

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Flat Fee Buyer Broker

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#zillowpremieragent #zillow #zillowshowcase #showingtime+ #listingagent #realestatemarketing #marketing

I am excited to announce that I am now part of the Zillow Showcase Listing Agent. Zillow is selecting 10% of agents in Santa Cruz County to be a part of their Zillow Showcase program. This is a program designed to give seller's who are represented by a showcase agent even more exposure in the market. I am offering this service to my sellers and you can see more info about it in the video. Contact me if you want to know more.

Call me at 831-227-9987 for any real estate

▶ ABOUT JESSE COLLINS
Jesse Collins is a REALTOR®️ specializing in Santa Cruz County and North Monterey County Real Estate. Helping clients in the buying and selling of homes and keeping them well informed of exactly whats going on in the market is his passion.

If you want to talk about Santa Cruz real estate, would like a free market analysis on your property, or if you're relocating to the area email me at Jesse@jcollinsproperties.com or call (831) 227-9987

If you would like to check out my website you can do that here: https://jcollinsproperties.com

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Rick McHone

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#airizonarealestate #homesinarizona #Phoenixhomes

One in four home mortgages is assumable, a little-known fact that allows startups like Roam to reduce borrowing costs for homebuyers.

By Mountain Lake Realty

The U.S. housing market has been described for two years as "frozen" or "stuck," hampered by high mortgage rates and a lack of inventory. However, a deeper dive into the numbers reveals not a frozen market, but one built on an extraordinarily solid foundation of homeowner equity and financial health. The latest data from the Federal Housing Finance Agency (FHFA) is the clearest signal yet that the market is primed for stability, and is building up vast, pent-up demand that will fuel the next great boom.

The Phenomenon: A Fortress of Low Rates

The FHFA reports a remarkable statistic: approximately 22% of all outstanding U.S. mortgages carry rates below 3%. In stark contrast, only about 14.3% of mortgages currently have rates at or above the 6% mark.

This massive disparity is often called the "lock-in effect," where homeowners, comfortable in their fortress of cheap debt, refuse to sell and lose their historically low payments. While this temporarily starves the resale market of listings, it creates two profound positive dynamics:

1. Unprecedented Equity Security: Homeowners are not struggling with payments. They are highly motivated to hold onto these assets, which prevents any widespread distress selling. The market’s foundation is secure, insulating the industry from the mass foreclosures or downward spiral seen in 2008. Housing is not a bubble; it’s an anchor of financial stability.

2. A Wealth of Pent-Up Demand: The market currently has millions of potential buyers who have been sitting out—either young families waiting for better affordability or "locked-in" homeowners who desperately need a bigger house for their growing family but refuse to trade their 3% rate for a 7% rate.

The Inevitable Thaw

The current state is temporary. The market is not stagnant; it is simply waiting for a shift in equilibrium. This thaw will begin, not with a crash, but with incremental shifts that unleash this stored energy:

• The Power of Incremental Rate Drops: Any further stabilization or drop in the 30-year fixed mortgage rate (even dropping from 6.35% to 5.5%) will immediately unlock inventory. The 14.3% of homeowners who bought or refinanced at 6% or higher have a far lower psychological barrier to moving than the 22% with 3% mortgages. Even small improvements in financing will bring more listings to market.

• The Life Events Accelerator: Regardless of rates, life happens. Job changes, marriage, divorce, retirement, and family expansion eventually force even the most rate-conscious homeowners to sell. As the locked-in group faces these life changes, they will inject much-needed inventory back into the market, driving transaction volume.

The Long-Term Boom

For investors, builders, and brokers, this situation presents a rare opportunity. The current lack of transactions is masking a massive, accumulated demand that must be satisfied.

When rates fall—driven by inflation normalizing and the Federal Reserve making inevitable cuts—this stored demand will be released like a coiled spring. The 22% of homeowners sitting on record equity will eventually move, and the millions of waiting buyers will flood the market.

The result won't be a temporary spike; it will be a sustained, organic boom in transaction volume, putting the real estate industry on its strongest foot forward in over a decade. The market’s stability, ironically born from the "lock-in effect," ensures that the next cycle will be defined by healthy, sustained growth

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Mountain Lake Realty

Discover what hard money lending is in this comprehensive guide. Learn about its rates, terms, pros, cons, and how it differs from traditional loans.

Showcase Marketing

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