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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...

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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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Within days of taking office, President Donald Trump issued an emergency order to reduce housing costs and expand supply, citing excessive regulations as a major barrier to homeownership. Experts estimate that regulations account for around $90,000 of the cost of new construction, making it a significant factor in the housing crisis. While Trump’s focus on cutting regulatory red tape could lower costs and boost supply, most housing regulations, like zoning laws and permitting, are controlled by local governments, limiting federal authority. Experts agree that addressing the housing shortage, which ranges from 2.5 to 7.2 million homes, requires collaboration across all levels of government and strategies to incentivize local change. Additionally, the federal government could influence affordability through mortgage policies, including reducing fees and privatizing Fannie Mae and Freddie Mac, to make homeownership more accessible.

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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.

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A recent survey of 1,200 real estate professionals by REsimpli reveals growing concerns about labor shortages and rising material costs in the housing market. Increasing building material prices are a major worry, with 60% of respondents expecting significant or moderate cost hikes, partly driven by proposed import tariffs. Skilled labor shortages are another pressing issue, as 46% of surveyed agents fear a reduced workforce due to potential policy changes that could limit access to immigrant labor, a key component of the construction industry. While some respondents believe labor availability may improve as workers relocate from different regions, rising costs and workforce challenges pose significant obstacles to housing affordability and market stability.

➡️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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The housing market feels the heat as homeowners' insurance becomes a growing burden. Skyrocketing premiums have left many little choice in what coverage, if any, for their homes. Canceled policies have been happening nationwide, not just in high-risk-prone areas, and reliance on costly state-backed plans leaves homeowners scrambling and impacts the real estate landscape. We are going to talk about it! I want to hear what you think the answer to this ever-growing problem is. Homebuilders Have TONS Of INVENTORY To Dump Into The Housing Market.

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LIVE STREAMS 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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The number of unsold completed new single-family homes in October 2024 (113,000) reached its highest level since August 2009 (118,000). This trend prompts an important question for the 2025 housing market: Is the rising standing inventory merely an indication that the new construction sector is stabilizing after the unprecedented pandemic housing boom, or does it suggest that builders—especially in regions where unsold inventory is surging—need to implement further affordability measures, such as price reductions or enhanced buyer incentives?

➡️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...

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➡️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.

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There are more challenges ahead for the 2025 housing market as rising property taxes and homeowners’ insurance premiums present a mounting challenge to the financial health and decision-making strategies of homeowners. It’s important for homeowners and prospective buyers alike to understand the implications in this environment. Today we will discuss what this could possibly mean or the 2025 market ahead.

➡️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...

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➡️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.