• Mortgage rates dipped below 6% for the first time since late 2022, with the 30‑year fixed averaging ~5.98%, which could nudge more spring buyers and sellers into action.
  • Rate mix is shifting nationally: more homeowners now carry rates above 6% than below 3%, signaling the ultra‑low‑rate era is fading and refinance math is changing.
  • HUD proposed new public housing rules that would allow work requirements and time limits for non‑elderly, non‑disabled adults, a policy move that could reshape affordability debates.
  • PNC plans a new north Charlotte branch by 2028 as part of a nationwide expansion of 300+ branches, reinforcing Charlotte’s status as a priority growth market.
  • I‑77 South toll‑lane expansion faces a potential pause vote today as city leaders weigh community impact versus the risk of losing up to $600M in state funding.

• 30-year fixed mortgage rates dipped below 6% for the first time in over three years, though inventory remains the main constraint.
• Pending home sales returned to year-over-year growth as listings and inventory rose ahead of spring.
• Congress advanced housing supply legislation focused on financing, conversions, and zoning incentives.
• Huntersville’s planning board approved the $200M Knox Crossing mixed-use project near Lake Norman.
• Another Lake Norman rezoning proposal for 254 apartments and townhomes was recommended for denial.
• The 42-story Queensbridge Collective tower opened for move-ins in South End, signaling continued core growth.

• MBA data shows the 30-year fixed average near 6.09% with five-year ARMs around 5.23%, the lowest since 2022, nudging refinancing activity higher.
• Realtor.com says inventory is up ~142% since early 2022, but prices are still about 8% higher, thanks to the lock-in effect.
• Policy watch: Trump’s State of the Union emphasized housing affordability through lower rates while trying to preserve home values.
• Charlotte watch: Regan Smith’s Lake Norman estate is back at $6.49M, and Gaston County is weighing incentives for a $6.3M Apple Creek manufacturing project.

• Freddie Mac's 30-year fixed average slipped to 6.06%, the lowest since 2022, giving a typical $450K buyer roughly $230 in monthly savings.
• Redfin says the White House's $200B mortgage-bond plan likely nudges rates only slightly lower and expects pricing to stay range-bound until labor data moves the Fed.
• Policy watch: Trump is talking about banning large landlords from buying houses while Senate Democrats float zoning incentives, construction financing, and new down-payment support.
• Charlotte pipeline: Mooresville is weighing Stanley Martin's 218-unit Gabriel Farms townhome plan, and Trammell Crow just filed a 259-unit mixed-use district off Old Statesville Road in Huntersville.

Highlights this week:

• Mortgage rates slid to roughly 6.09% on the 30-year fixed, the lowest in about three years.
• Pending U.S. home sales fell about 6% year over year, with homes taking ~67 days to go under contract.
• Inventory is building and price cuts remain elevated as spring listings return.
• States like Idaho, Connecticut, and Colorado are pushing starter-home zoning reforms.
• Lake Norman rezoning request advances for new apartments and commercial space.
• SouthPark and Midtown rezonings cleared for major mixed-use and apartment projects.

Here's today's Market Keys audio briefing, crafted for anyone following Charlotte real estate. Highlights:

• Freddie Mac's 30-year fixed average slipped to 6.06%, the lowest since 2022, giving a typical $450K buyer roughly $230 in monthly savings.
• Redfin says the White House's $200B mortgage-bond plan likely nudges rates only slightly lower and expects pricing to stay range-bound until labor data moves the Fed.
• Policy watch: Trump is talking about banning large landlords from buying houses while Senate Democrats float zoning incentives, construction financing, and new down-payment support.
• Charlotte pipeline: Mooresville is weighing Stanley Martin's 218-unit Gabriel Farms townhome plan, and Trammell Crow just filed a 259-unit mixed-use district off Old Statesville Road in Huntersville.

Here's today's Market Keys audio briefing, crafted for anyone following Charlotte real estate. Highlights:

• Freddie Mac's 30-year fixed average slipped to 6.06%, the lowest since 2022, giving a typical $450K buyer roughly $230 in monthly savings.
• Redfin says the White House's $200B mortgage-bond plan likely nudges rates only slightly lower and expects pricing to stay range-bound until labor data moves the Fed.
• Policy watch: Trump is talking about banning large landlords from buying houses while Senate Democrats float zoning incentives, construction financing, and new down-payment support.
• Charlotte pipeline: Mooresville is weighing Stanley Martin's 218-unit Gabriel Farms townhome plan, and Trammell Crow just filed a 259-unit mixed-use district off Old Statesville Road in Huntersville.

Here's today's Market Keys audio briefing, crafted for anyone following Charlotte real estate. Highlights:

• Freddie Mac's 30-year fixed average slipped to 6.06%, the lowest since 2022, giving a typical $450K buyer roughly $230 in monthly savings.
• Redfin says the White House's $200B mortgage-bond plan likely nudges rates only slightly lower and expects pricing to stay range-bound until labor data moves the Fed.
• Policy watch: Trump is talking about banning large landlords from buying houses while Senate Democrats float zoning incentives, construction financing, and new down-payment support.
• Charlotte pipeline: Mooresville is weighing Stanley Martin's 218-unit Gabriel Farms townhome plan, and Trammell Crow just filed a 259-unit mixed-use district off Old Statesville Road in Huntersville.

Here's today's Market Keys audio briefing, crafted for anyone following Charlotte real estate. Highlights:

• Freddie Mac's 30-year fixed average slipped to 6.06%, the lowest since 2022, giving a typical $450K buyer roughly $230 in monthly savings.
• Redfin says the White House's $200B mortgage-bond plan likely nudges rates only slightly lower and expects pricing to stay range-bound until labor data moves the Fed.
• Policy watch: Trump is talking about banning large landlords from buying houses while Senate Democrats float zoning incentives, construction financing, and new down-payment support.
• Charlotte pipeline: Mooresville is weighing Stanley Martin's 218-unit Gabriel Farms townhome plan, and Trammell Crow just filed a 259-unit mixed-use district off Old Statesville Road in Huntersville.

Here's today's Market Keys audio briefing, crafted for anyone following Charlotte real estate. Highlights:

• Freddie Mac's 30-year fixed average slipped to 6.06%, the lowest since 2022, giving a typical $450K buyer roughly $230 in monthly savings.
• Redfin says the White House's $200B mortgage-bond plan likely nudges rates only slightly lower and expects pricing to stay range-bound until labor data moves the Fed.
• Policy watch: Trump is talking about banning large landlords from buying houses while Senate Democrats float zoning incentives, construction financing, and new down-payment support.
• Charlotte pipeline: Mooresville is weighing Stanley Martin's 218-unit Gabriel Farms townhome plan, and Trammell Crow just filed a 259-unit mixed-use district off Old Statesville Road in Huntersville.