Existing Home Sales Data Arriving Tomorrow, Shows Inventory Trends
Existing home sales will be released tomorrow, providing a historical view of active inventory. https://t.co/Numo1lkNMr
Housing Inventory Drops Negative Year‑Over‑Year, Explained
#housing inventory going negative year over year? This weekend’s tracker we discuss what is really going on! @housingwire @sarahteresa6 #economics #mortgagerates #realestate #chartdaddy
Better Mortgage Spreads Keep Rates About 1% Lower
If we had the worst mortgage spread levels in 2023, mortgage rates would be 7.45% today, not 6.39%. If we had the worst levels of 2024, mortgage rates would be 7.08% today. If we had the worst levels of 2025, mortgage rates...
Inventory Growth Stalls; New Listings Dip Sharply Year‑over‑year
Inventory growth really slowed this week, both active and new lisitngs, new listings is noticebly lower this year vs last year, but I do have a theory on that this week with the weekend tracker
Fed Accepts Low Job Growth, Won’t Tolerate Wage Surge
The war has undeniably complicated things. Initially, the Fed aimed to dismiss the rise in Goods PCE inflation as a temporary blip until it passed. However, they are now starting to accept the reality of low job growth as the...
Mortgage Spread Holds Near 6%, Avoids 7% Spike
It could have been much worse today, but closer to 6% than above 7%, hug a #mortgage spread. #realestate #housing #economics #chartdaddy
Strong Job Numbers Spark Rate‑cut Debate, Wage Growth Key
Low jobless claims and even job growth at 33,000 raise the question of rate cuts, as long as wage growth remains above 3%
Purchase Applications Up 1% Weekly, Down 7% YoY
Purchase applicaiton data update +1% week to week -7% year over year First negative YoY print of the year, working off a harder one-week comp https://t.co/RPol0wlsHM
Bond Market and Mortgage Rates Enjoy Rare Rally
A good day for the #bond market and #mortgagerares for a change. #economics #housing #realestate
Better Spreads May Push Returns
10’s back in the bowl and spreads getting a tad better can get you sub 6% on 15 easy, it might even happen tomorrow, mid 5% near closer to 4%! https://t.co/Kt4rjgTehd
Ceasefire Triggers Oil and Bond Yield Declines
Two-week ceasefire leads to drops in oil and bond yields. #oil #bonds #economics #mortgagerates #chartdaddy
Housing Market Resilient Amid Rising Mortgage Spreads
Today's podcast discusses #mortgage spreads and how the #housing market is holding up with wartime #economics @housingwire @sarahteresa6 #housing #chartdaddy
Year's First Pre‑Tax Day Amid Sub‑6.5% Rates
First pre-tax day year when rates have been 6.50% or below most of the time. https://t.co/YibUd3rIAT
St. Louis Fed Spread Hit 3.11% on June 1 2023
Always remember that the spreads are quoted differently depending on who you're quoting mortgage rates with. The St. Louis Fed spread's recent high was June 1, 2023, at 3.11% https://t.co/sraBmi3n5u
Shelter Now
Since over 40% CPI is shelter, anyone doing dual axis war crimes needs to imply that shelter and housing are about to take off like it did in the mid to late 1970's https://t.co/kFRdJ1fDGu
SF Housing Market Diverges Sharply From National Trends
The San Francisco housing market is disconnected from national data. Remember the negative year-over-year inventory data from Florida, it was working from elevated levels too 🫡 https://t.co/S838PdvONt
Pending Sales Hit Multi-Year Highs, Growth Slows
Purchase apps, weekly pending, and total pending sales are still at multi-year highs, but growth has slowed over the last 2 weeks. The 6 weeks of positive YoY data on the weekly pendings were snapped last week, even though we...
Existing Home Sales at 1.29M, Well Below Normal
We will get this updated this week with the new existing home sales report. ...
Surround Yourself with Uplifters, Not Doomers
“The key is to keep company only with people who uplift you, whose presence calls forth your best.” Epictetus Or .... F all doomers
Credit Spreads Stay Under Historic Peak at 2.11%
Even with the LTCM drama of the late 1990's, spreads never got above 2.40%, we are at 2.11% today https://t.co/yTyr072f92
New Listings Near Crash Levels, Yet Market Differs
New listings data is trying to return to normal, usually between 80K-100K during seasonal peak months, but this is what it looked like during the housing bubble crash years. Not the same marketplace as you can see @housingwire @sarahteresa6 #realestate...
Current Listings Surge From Historic Lows
New listings data this last week were 70,191 The same week back in 2009 -287,185 2010 - 306,150 2011 - 367,465 https://t.co/hrxkJ4eTa5
3%
A history lesson on spreads and how rare 3% spreads have been in recent history. We never had 3% + spreads during the GFC or Covid We did in 2023, as the Fed was still hiking rates & the SVB crisis was...
Mortgage Spreads High; 8% Rates Demand Booming Economy
With where mortgage spreads are at with the Fed Funds Rate, 8% rates would need a booming economy with job and wage growth picking up again Spreads got as high as 3.11% in 2023, currently at 2.11% https://t.co/25afwLqFtN
2026 Housing Data Starts Calm Amid Pandemic Aftermath
With all the madness in 2026, the housing data has had the most boring, normal start to the year we have had post-COVID. 🫡
2026 Job
Since the bar is so low for job growth in 2026 to surpass 2025, even with normal revisions, we would still be higher than last year. https://t.co/LEfXSmvQST
LTV Hits Historic Lows, Unchartable Since 2008
The total LTV data is so low now that I can't even chart it back to 2008 when it was running back in the mid '80s 💀😏🎭 #housing #realestate #economics #mortgage #chartdaddy @housingwire @sarahteresa6
National Housing Inventory Growth Plummets From 33% to 4.7%
National Housing Inventory growth has slowed from the peak of 33% YoY last year to now, just 4.67% However, be mindful that the year-over-year comps are a big variable here. Just like it is with Florida's negative YoY inventory...
Better Mortgage Spreads Keep Rates a Full Percent Lower
If we had the worst mortgage spread levels in 2023, mortgage rates would be 7.45% today, not 6.45%. If we had the worst levels of 2024, mortgage rates would be 7.07% today. If we had the worst levels of 2025, mortgage rates...
2026 Jobs Data Shows Early Improvement Over 2025
As crazy as this sounds, the jobs data has improved in 2026 compared to 2025 so far. @housingwire @sarahteresa6 #housing #realestate #economics #jobs #chartdaddy
Builders’ Rate Cuts Mask Deeper Housing Supply Misalignment
If it weren't the builders paying down rates, housing permits would be worse today. We will never build housing the way people want because we aren't a supply-first economy; the demand curve needs to align with it, and rental vacancies...
Low Claims Make 15K Monthly Jobs Viable
As long as jobless claims stay low, adding 15,000 jobs per month for 3 years will be acceptable for a neutral policy.
Past Low LTVs Preceded Credit Boom; Today’s Opposite
Loan-to-value data was low back then. In 2006, only 4% of homes were underwater, but we experienced a massive credit leverage boom, with down payment data dropping to 21st lows in 2008 after credit broke in 2005. It's the complete...
Mortgage Spreads Hold Steady Amid Global Turmoil
Considering all the drama in the world, not bad, hug a #mortgage spread. #realestate #housing #mortgagerates #chartdaddy
From 23% Underwater to Record Home Equity Gains
In 2010 we had over 23% of the homes underwater; today, we have massive home equity @housingwire @sarahteresa6 #housing #realestate #mortgagerates #economics #chartdaddy
6%+ Mortgage Rates Outnumber 3% or Lower
Yes, it's true — no April Fools' joke — more people have rates of 6% or higher than those with 3% or lower. @housingwire @sarahteresa6 #housing #realestate #economics #chartdaddy
Mortgage Rate Lockdown Myth Remains Unfounded
One of the most misunderstood housing economic stories in this cycle is the mortgage rate lockdown premise, which I never bought into, even in the last decade when it was being discussed. https://t.co/ae3tzVWdb9
Geopolitical Tensions, Not Jobs Data, Drive Mortgage Rates
Does jobs week matter for mortgage rates as the Iran war intensifies? https://t.co/eNWu4sPUwS via @YouTube
Fed Aims to Curb Wages to Hit 2% Inflation
The Fed would like this lower to get wage growth back down to 3% or lower to target 2% inflation.
Only One Nationwide Home Price Crash in 84 Years
There have been many economic cycles, recessions, and rising mortgage rates since 1942. In 84 years, there has only been one national home price crash period. https://t.co/AjoH2agyyy
Four Years of Credit Stress Preceded 2008 Recession
We had 4 years of credit stress built up before the 2008 recession with an oil shock back then https://t.co/OjLbnx5L9R
Florida Inventory Drops; National Growth Slows to 5.7%
Did you know Florida's inventory is down year over year? Also, the growth rate of inventory nationally decreased from 33% to 5.69%. With a HousingWire subscription, you can access local, state, city, and ZIP code data with multiple data points....
Post‑2010 Oil Shocks Managed Better, Yet Jobs Lag
Post-2010 data oil shocks were handled better than pre-2010 oil shocks, but duration is key here at this stage, with job growth at the 21st-century lows https://t.co/FndShr2Oi6
Florida Inventory Drop Reflects Elevated Base, Not 2008 Crisis
Be mindful that the inventory decline we are seeing in Florida was working from an elevated level, and since it's not 2008 or worse than 2008, the decline needs context on a year-over-year basis. Try not to overthink this one,...
Local Conflict Could Keep Brent Above $125 Longer
This is the advantage of having the conflict on your home turf and close targets. How does Brent not go above 125 and stay higher for longer if this escalates? https://t.co/gDEQNzeiGJ
Housing Data Stays Steady Amid Global Turmoil
Considering all the drama we have had all year, AI, private credit, and an epic snowstorm, and now the Iran conflict, the housing data has been mostly stable & boring for now
Yearly Growth Persists; Weekend Tracker Report Awaits
Still showed yearly growth this week, it will be an interesting weekend tracker report this weekend
Conflict's Dual Impact: Housing Booms or Crashes
Today's podcast covers the best and worse outcome for #housing due to the conflict. #housing #mortgagerates #oil #bond
Pending Home Sales Remain Positive Year‑Over‑Year
Housing data is still postive year over year with our weekly pending sales data; if there were no war, it would have easily grown in 2026. In any case, more on this with the weekend tracker. 🫡
Weighing Crypto for Home Purchases: Risks and Rewards
Should you use crypto to buy your new home? - ABC News - https://t.co/XTjulfuzyY via @ABC