Takasu via Shutterstock
A 50-year mortgage is precisely what it sounds like a home loan stretched over half a century instead of the traditional 30-year term used in most U.S. home financing. Versions of the idea surface from time to time, usually during periods when affordability becomes a national concern. Most recently, some policymakers have floated the idea […]
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sommart sombutwanitkul vs Shutterstock
Buyers across Arizona are asking the same question: Should I wait for mortgage rates to drop before making a purchase? To answer that, let’s look at what actually happens when you slide the rate, not the price. What Happens When Your Rate Drops Just 1% Even a slight shift in the 30-year mortgage rate can […]
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iQoncept via Shutterstock
You’ve probably heard it a dozen times: “I’ll buy once rates drop.” But here’s the reality: even as the Federal Reserve begins trimming interest rates, mortgage rates have actually crept higher. It sounds counterintuitive, but it’s not uncommon. And that’s precisely why informed buyers, the ones who understand how markets truly work, are stepping in […]
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Gergitek via Shutterstock
The Federal Reserve just lowered its benchmark interest rate by 25 basis points (0.25%). For many homeowners across Metro Phoenix, the headline feels like déjà vu. After all, lower rates fueled some of the hottest years in Arizona real estate during the early 2020s. It’s natural to wonder if this slight shift signals the start […]
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La Terase via Shutterstock
For months, buyers, sellers, and investors have been watching the Federal Reserve’s next move, anticipating a probable cut in the Fed Funds rate. The hope is simple: lower rates mean cheaper mortgages and a reinvigorated housing market. However, the situation is far more intricate. Even if the Fed decides to cut, the reduction in mortgage […]
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ProfessorWerner.org
For years, the conventional wisdom has been simple: the Federal Reserve cuts rates, mortgage costs fall, and home prices rise. But there’s a growing body of evidence, and a very different framework from economist Richard Werner, suggesting the causality runs the other way. If you buy Werner’s argument that interest rates follow the economy instead […]
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Andrey Popov via Shutterstock
1. Consumer Price Index (CPI) – Phoenix Metro Area Implication for real estate: 2. Employment & Unemployment Trends Unemployment Rates Job Market Momentum Implication for real estate: 3. How These Factors Intersect in the Phoenix Real Estate Market Here’s how CPI and employment trends are playing out on the ground: Summary Snapshot Final Takeaway In […]
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Davide Angelini via Shutterstock
For years, headlines have warned that homeownership is becoming a distant dream—especially for younger generations. Rising prices, student debt, and tighter inventory have all contributed to the perception that owning a home is simply out of reach for Millennials and Gen Z. But is that fear truly backed by the data? Let’s take a closer […]
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Jack the Sparow via Shutterstock
In recent weeks, Washington has been buzzing about a massive housing reform package nicknamed the “Big Beautiful Bill.” While the full text hasn’t been released, early reports suggest it could be one of the most comprehensive attempts in decades to address the nationwide housing shortage. With Arizona facing its affordability crisis, the potential ripple effects […]
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Ani Raw Shots via Shutterstock
A fresh round of headlines broke this morning: the U.S. and Japan have reached a new tariff agreement, cutting auto duties from 27.5% to 15%. On paper, it appears to be a win. In practice? That 15% rate is still well above pre-trade-war levels, meaning the pressure on consumer goods—and inflation—remains very much intact. That […]
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