The Mortgage Reports

Established in 2004, The Mortgage Reports emerged as one of the internet's pioneering mortgage blogs. Originally created as a platform for a loan officer to promote their business, it quickly gained recognition for its detailed insights into mortgage and real estate topics, particularly highlighting their relevance to everyday home buyers. Unlike conventional finance websites, The Mortgage Reports prioritized practical information tailored for regular consumers rather than industry experts. Over the years, it attracted millions of readers annually. In 2014, the site was acquired by Full Beaker, Inc., a media company dedicated to serving consumers, and they continue to oversee its operations today.

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#101662

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Senior Housing Shortage Is Hurting First-Time Home Buyers

2 weeks ago | themortgagereports.com | Peter Warden

Suppose you’re a younger first-time homebuyer, finally ready to enter the market — only to find few, if any, homes available. You might be facing a surprising culprit: the senior housing shortage. How does that affect you? Picture your local housing market as a ladder, and you're trying to step onto the first rung. The problem is, that rung is crowded with people who want to move up — but can’t, because the rungs above them are also full.
Fed Holds Rates in May. Will Mortgage Rates Fall?

1 month ago | themortgagereports.com | Paul Centopani

Fed decides to hold in MayAlthough widely anticipated, the Federal Reserve didn't change the federal funds target range at its May meeting. With the annualized pace of inflation still above its long-term goal of 2% and the Trump Administration's power consolidation causing social and economic turmoil, the central bank continued the wait-and-see approach.
Will Rates Get Cut at the March Fed Meeting?

1 month ago | themortgagereports.com | Paul Centopani

Will mortgage rates rise after the Fed meets? The Federal Reserve will hold its next Open Market Committee meeting on May 6-7. Will it come with another rate cut? Or will the committee keep rates steady (or possibly even raise them)? The annualized inflation rate remains above the Fed's long-term goal of 2%, but most recently decreased to 2.4% in March from 2.8% in February and 3% in January.
Homebuilding and Housing Affordability

1 month ago | themortgagereports.com | Paul Centopani

Home building and affordability across the United StatesAlthough for-sale inventory is rebounding, there's still a large gap between supply and demand. Aspiring home buyers struggle with too few options, especially at the lower end of the market. A report from Realtor.com graded the entire country on how effectively those issues are being addressed. See how every state measured up.
How Energy Bills Are Changing Homeownership Goals

1 month ago | themortgagereports.com | Erik Martin

Everything today seems to cost more than it did recently. That’s especially true considering lingering inflation concerns and on-again/off-again tariffs in the news. And it certainly applies to utility expenses, with many feeling the pinch from higher bills for electricity, gas, and water.
Is Florida's Housing Market Collapsing?

1 month ago | themortgagereports.com | Paul Centopani

Once a cost-of-living safe haven, Florida's housing market may becoming unsustainable from combination of diminishing affordability and aging infrastructure. A report from Cotality points out two key warning signs that could determine how the state's real estate might look going forward. For a long time, Florida drew in droves of home buyers with its low taxes and reasonable property values.
Rural Living Is Booming - And This Loan’s the Reason

1 month ago | themortgagereports.com | Peter Warden

The Census Bureau says that, since the pandemic, home buyers have been moving from urban centers to inner suburbs and rural locations. They’ve been driven mainly by the expansion of remote working, triggered by the Covid-19 pandemic, which means they can live almost anywhere. But another factor may be the existence of a type of rural housing loan that requires zero down payment and is available in many suburbs. Keep reading for more information about this mortgage.
Tariffs Change Plans for Over Half of Home Buyers

1 month ago | themortgagereports.com | Paul Centopani

With the upheaval of the Trump administration's tariffs taking hold, the impacts are being felt across the housing market. Over half of prospective home buyers said they are either holding off or outright scrapping their plans. As tariffs cause prices to rise and widespread uncertainty weakens job security and the stock market, fewer people are looking to make major purchases.
Home Seller Concessions Near Record High

1 month ago | themortgagereports.com | Paul Centopani

As the United States’ growing uncertainty and instability met the affordability crisis, a 44.4% share of real estate sales came with seller concessions in 2025’s first quarter. That increased over five percentage points from the year before while some housing markets had concessions on more than half of their home sales. Concession stand: What should home buyers ask for? In the first quarter of 2025, 44.4% of home sales came with seller concessions, according to Redfin.
The Rise of Co-Buying - How Gen Z is Redefining Homeownership

1 month ago | themortgagereports.com | Peter Warden

It turns out Zoomers aren’t just dreaming about homeownership—they’re teaming up to make it happen. Co-buying is one of the clever ways they’re getting a foot in the door. Stanford’s Center for Advanced Study in the Behavioral Sciences says, “Gen Z are typically self-driven, collaborative, and diverse-minded.