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Federal Chair Jerome Powell warns that rising insurance costs could make it harder for people to afford homes in certain parts of the U.S. over the next 10 to 15 years. Without affordable insurance, mortgage lenders won’t give out loans, making it nearly impossible for people to buy homes in many regions. Powell said that this growing problem could make homes even less affordable, especially since other issues, like a lack of housing supply, are already driving up costs. While lower interest rates might help some buyers, they won’t fix the bigger problem of rising housing prices. If insurers and lenders continue to back away from high-risk areas, it could leave many families unable to afford a safe, stable place to live.

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PODCAST ARE OPINIONS EXPRESSED BY LICENSED REAL ESTATE AGENTS IN DIFFERENT REAL ESTATE MARKETS. DO NOT BASE YOUR HOME PURCHASE OR SALE ON THE OPINIONS EXPRESSED IN THIS STREAM. ALWAYS CONSULT YOUR LOCAL REALTOR FOR YOUR MARKET CONDITIONS.

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A lot of homeowners, especially first-time buyers and military families, are starting to fall behind on their mortgage payments, and some experts are calling it a warning sign for the housing market. In 2024, the number of people who were seriously behind—meaning more than 90 days late—hit its highest level in almost two years. FHA and VA loans seem to struggle the most because people with smaller savings often use them. Rising costs for things like taxes, insurance, and everyday expenses are making it tougher for many families to keep up. States in the South, like Florida and Louisiana, are seeing the biggest increases in late payments, and natural disasters haven’t helped. The good news is that foreclosures are still pretty low thanks to government programs that let people pause payments. Plus, a lot of homeowners have built up equity in their homes, which gives them a bit of a financial cushion.

➡️To Get A Personal Referral For A Realtor Visit https://www.kristinasmallhorn.com/nee...For A Collaboration Video For Your Affordable Housing Option Or Comp. https://www.kristinasmallhorn.com/req...

PODCAST ARE OPINIONS EXPRESSED BY LICENSED REAL ESTATE AGENTS IN DIFFERENT REAL ESTATE MARKETS. DO NOT BASE YOUR HOME PURCHASE OR SALE ON THE OPINIONS EXPRESSED IN THIS STREAM. ALWAYS CONSULT YOUR LOCAL REALTOR FOR YOUR MARKET CONDITIONS.

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President Trump's plan to slap tariffs—25% on imports from Canada and Mexico and 10% on imports from China—could shake up the U.S. housing market in a big way. Higher tariffs usually mean higher prices, which could keep mortgage rates up longer than expected. The Fed might hold off on cutting rates if inflation stays stubborn, making home loans more expensive. On top of that, since a lot of building materials come from Canada, home construction costs could jump, which means fewer new homes or higher prices for buyers. And if Canada, Mexico, and China hit back with their own trade measures, it could slow down the economy even more. If things take a turn for the worse, we could end up in a situation where prices keep rising, but growth slows down—making it even harder for people to afford a home.

To Get A Personal Referral For A Realtor Visit https://www.kristinasmallhorn.com/nee... For A Collaboration Video For Your Affordable Housing Option Or Comp. https://www.kristinasmallhorn.com/req...

ARE YOU A REALTOR Needing a YouTube Channel The ACTUALLY WORKS? To Get Traction For Your Real Estate Channel Join The Course:https://sales.realestatevideogeeks.co...

Link for your unique 7-day free trial with a $35 monthly fee is - https://www.foreclosure.com/special.h....

PODCAST ARE OPINIONS EXPRESSED BY LICENSED REAL ESTATE AGENTS IN DIFFERENT REAL ESTATE MARKETS. DO NOT BASE YOUR HOME PURCHASE OR SALE ON THE OPINIONS EXPRESSED IN THIS STREAM. ALWAYS CONSULT YOUR LOCAL REALTOR FOR YOUR MARKET CONDITIONS.