Florida’s condo market is entering a new and more complex phase in 2026. Two major legal changes are reshaping how buyers, sellers, and developers approach condominium deals across the state.

The first shift comes from House Bill 913, which now requires condo associations with 25 or more units to maintain a secure digital portal. Through this portal, prospective buyers can review budgets, reserve funds, bank statements, and structural inspection reports before making an offer.

For years, many buyers in South Florida had limited visibility into a building’s financial health. Now, transparency is becoming standard. This is especially important in markets like Miami-Dade County, where roughly 65% of active condo listings are in older buildings. Properties with strong reserve funding and completed inspections are gaining a competitive edge, while buildings with deferred maintenance may face longer negotiations and pricing pressure.

The second major change stems from the Biscayne 21 court ruling. The decision confirmed that if a condo’s governing documents require unanimous consent for termination or redevelopment, even a small minority of owners can block a buyout. In some cases, as little as five to ten percent of owners can stop a project.

This ruling creates a divided landscape. Buildings with 75% or 80% termination thresholds may still attract developers, but those requiring 100% approval could see redevelopment plans stall. As a result, developers are reviewing governing documents more carefully than ever.

At the same time, buyers are becoming more selective. Reserve funding, inspection reports, and long-term maintenance planning now weigh heavily in purchasing decisions.

The Florida condo market in 2026 is more transparent—but also more legally nuanced. For buyers, that means fewer surprises but greater due diligence. For developers, it means deeper legal analysis. And for sellers, it means building management quality directly impacts value.

These structural shifts are shaping a more cautious, informed, and competitive condo market across the state

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#FloridaRealEstate #CondoMarket #HousingLaw #SouthFlorida #RealEstateTrends

The United States has seen a major rise in affordable apartment construction over the past five years, marking one of the strongest periods for income-restricted housing in more than a decade.

According to new data from RentCafe, nearly 310,000 affordable apartments have been completed since 2020. About 91,000 of those units were delivered in 2024 alone, making last year the strongest year for affordable housing construction in ten years.

What stands out is that affordable housing growth has outpaced overall apartment construction. Between 2020 and 2024, affordable apartment deliveries increased 73% compared to the previous five-year period. Overall apartment construction also rose, but at a slower pace of 36%. As a result, income-restricted housing now represents a larger share of new development than it did a decade ago.

Several major metro areas have led this expansion. Seattle and New York City delivered the highest number of affordable units, while Austin, Atlanta, and the Twin Cities also posted strong gains. In many of these markets, population growth and rising housing costs increased pressure to expand lower-cost rental options.

This building surge has been supported by federal funding programs, expanded state housing tax credits, and continued use of the Low-Income Housing Tax Credit program. Policy flexibility and financial incentives have helped offset rising construction costs and make projects viable.

For renters, the increase in supply may help slow rent growth in some areas. However, affordability challenges remain widespread, especially in high-cost regions where demand continues to outpace supply.

The bigger question is whether this momentum can continue. Future growth will depend on ongoing policy support, stable financing conditions, and how construction costs evolve.

The takeaway is clear: meaningful progress has been made in expanding affordable rental housing, but long-term affordability will require sustained effort.

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#AffordableHousing #RentalMarket #HousingSupply #RealEstateNews #HousingAffordability

Mortgage rates are still holding just under the 6% mark, a level many buyers and homeowners have been watching closely. While rates have been calm in recent days, this window is not guaranteed to stay open.

According to Zillow, the national average 30-year fixed mortgage rate is 5.91%, while the 15-year fixed rate stands at 5.44%. These are national averages, so actual rates depend on credit score, lender, and location. Still, rates below 6% represent a meaningful shift from where borrowing costs stood last year.

Purchase rates remain slightly lower than refinance rates, which is typical. Refinancing can still make sense for homeowners who locked in loans when rates were well above today’s levels, especially if the goal is to lower monthly payments or adjust loan terms.

Choosing between a 30-year and a 15-year mortgage comes down to priorities. A 30-year loan offers lower monthly payments and flexibility, but higher total interest over time. A 15-year loan carries higher monthly costs but builds equity faster and significantly reduces lifetime interest.

Adjustable-rate mortgages remain an option, but the gap between fixed and adjustable rates is small right now. That has pushed many borrowers toward fixed-rate loans for stability and predictability.

What’s keeping rates steady is the bond market. Investors are waiting for the next major jobs report, which could move rates quickly in either direction. A weaker report could pull rates lower, while stronger data could push them back above 6%.

For borrowers who are ready, today’s rates offer a rare mix of stability and opportunity—but timing still matters.

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https://www.forumnadlanusa.com/2026/02/mortgage-and-refinance-interest-rates-today-february-10-2026/

#MortgageRates #HousingMarket #HomeBuying #Refinance #RealEstateNews

Luxury home prices in the U.S. ended 2025 higher, but the story behind those gains is not stronger demand. Instead, price growth at the top of the market is being driven by limited supply, according to new data from Redfin, which is backed by Rocket Companies.

In December, the median sale price for luxury homes rose 4.6% year over year to $1.31 million. By comparison, non-luxury home prices increased just 1.4% to $375,000, the slowest growth rate since Redfin began tracking the data in 2013. Despite the national rise, luxury prices fell in only two major metros: Fort Worth, Texas, and Portland, Oregon.

Local performance varied widely. Milwaukee, Orlando, and Nashville posted the strongest luxury price gains, while demand weakened sharply in markets like San Jose and Philadelphia. Pending luxury sales jumped in places such as West Palm Beach and San Francisco but dropped significantly in several California and Northeast metros.

Inventory is rising, but not fast enough to cool prices meaningfully. Active luxury listings were up 5.6% from a year earlier, the slowest growth since spring. New luxury listings increased modestly, while new non-luxury listings declined, suggesting some sellers are holding back as buyers remain cautious.

Luxury homes are selling quickly only when they meet very specific criteria. In markets like San Jose and Oakland, top-tier homes are going under contract in weeks. In contrast, luxury listings in South Florida are sitting for months. According to Redfin agents, competition is focused on a small group of high-quality homes in prime locations, often attracting cash offers and waived contingencies. Homes that miss on price, condition, or location tend to linger.

Even with higher prices, demand remains soft. Pending luxury sales fell year over year, and closed sales showed only modest growth. The takeaway is clear: luxury prices are rising because supply is tight, not because buyers are rushing in.

Unless mortgage rates fall further or inventory improves meaningfully, price gains at the high end are likely to stay uneven and limited to homes that truly stand out.

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#LuxuryRealEstate #HousingMarket #HomePrices #RealEstateTrends #MarketOutlook

Analysts at Morgan Stanley are pushing back on the idea that the Federal Reserve would undergo rapid or dramatic change if Kevin Warsh becomes the next Fed chair.

While Warsh has long been vocal about reducing the Fed’s footprint in financial markets—especially its massive balance sheet—economists say the reality is far more constrained. According to Morgan Stanley, even a philosophically different Fed chair would face structural limits that make fast change unlikely.

Warsh has criticized three main areas: the size of the Fed’s asset holdings, what he sees as blurred lines between monetary and fiscal policy, and a communication strategy that can move markets too aggressively. But analysts stress that turning those views into policy would take years, not months.

The biggest roadblock is bank reserve demand. Although the Fed has already reduced its balance sheet from roughly $9 trillion to about $6.6 trillion, most of that reduction came from trimming overnight reverse repo facilities. Actual bank reserves—the lifeblood of short-term funding markets—have barely declined.

Shrinking the balance sheet further would start pulling reserves out of the system, risking a shift from an “ample” reserve environment to a scarce one. That transition could drive up short-term rates and destabilize money markets, something the Fed is determined to avoid.

Post-2008 regulations make this even harder. Banks are now required to hold large liquidity buffers under rules like the Liquidity Coverage Ratio. Lowering reserve demand would mean loosening those safeguards, increasing vulnerability during future crises. As Morgan Stanley put it, there’s no free lunch.

Mortgage-backed securities are another constraint. With refinancing activity muted by higher mortgage rates, the Fed’s MBS holdings are running off at a very slow pace. Analysts estimate it could take close to a decade just to cut those holdings in half organically. Active sales are unlikely, given the potential damage to housing markets and financial stability.

The bottom line is simple: even with a new Fed chair and a new philosophy, meaningful change would unfold gradually. Structural realities—not leadership headlines—will continue to shape how the Federal Reserve operates.

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https://www.forumnadlanusa.com/2026/02/fed-policy-unlikely-to-change-quickly-under-kevin-warsh-analysts-say/

#FederalReserve #MortgageRates #MonetaryPolicy #FinancialMarkets #EconomicOutlook

Nearly four in ten U.S. homeowners now own their homes outright, marking a significant shift in housing behavior across the country. According to new data from the U.S. Census Bureau, 39.4% of owner-occupied homes were mortgage-free in 2024, up sharply from about 34% a decade earlier.

This isn’t a short-term anomaly. It’s the result of long-running trends that accelerated after the pandemic. Higher mortgage rates, rising home prices, and economic uncertainty have pushed many homeowners to stay put rather than move, refinance, or take on new debt. For millions of households, paying down an existing mortgage—or avoiding one altogether—has become a form of financial security.

The growth in mortgage-free ownership is happening everywhere, but the levels vary widely by location. States like West Virginia top the list, with more than half of homeowners owning outright. In contrast, places like Maryland and the District of Columbia have much lower shares, reflecting higher home prices and more recent buyer activity.

Rural areas continue to lead the trend. Lower home values, longer ownership periods, and older populations mean rural counties often have far higher rates of mortgage-free homes. More than 2,200 counties nationwide now have outright ownership rates above 40%. Urban counties still lag behind, but many are catching up as homeowners hold onto properties longer and focus on reducing debt.

Some of the fastest growth has occurred in Southern metro counties, where affordability pressures and population shifts have encouraged long-term ownership. In parts of Georgia, Alabama, and Texas, the share of mortgage-free homeowners has climbed dramatically over the past decade.

This trend matters because it shapes the broader housing market. When homeowners don’t have mortgages—and don’t want to give up low-cost housing—they’re less likely to sell. That keeps inventory tight, limits mobility, and makes it harder for new buyers to find homes.

As long as mortgage rates remain elevated, the number of mortgage-free homeowners is likely to keep rising. The result is a housing market increasingly defined by stability and caution—one where fewer people are willing to move, and more are choosing to stay put and own outright.

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#HousingMarket #Homeownership #MortgageFree #RealEstateTrends #HousingAffordability

The U.S. labor market is about to come back into focus after a brief pause. The January jobs report, delayed by last week’s short government shutdown, will now be released on February 11, according to an updated schedule from the Bureau of Labor Statistics.

This report is one of the most closely watched economic releases in the country. It plays a key role in shaping expectations around hiring trends, wage growth, and the overall health of the economy. The delay created uncertainty for markets, but officials say the data will be released in full once operations return to normal.

Along with the January employment report, the Bureau of Labor Statistics also adjusted the timing of other major releases. The Job Openings and Labor Turnover Survey, known as JOLTS, will now be published later in the week. The January Consumer Price Index, another critical inflation measure, has also been pushed back and will be released on February 13, along with the real earnings report.

Economists currently expect the January jobs report to show modest growth. Forecasts suggest about 60,000 jobs were added during the month, slightly higher than December’s gain, while the unemployment rate is expected to hold steady at 4.4%. These projections point to a labor market that is still stable, but clearly cooling compared to previous years.

That view was reinforced earlier this week when payroll processor ADP reported that private-sector hiring slowed sharply in January. Employers added just 22,000 jobs, far below expectations, with most of the gains coming from health care and education. While ADP data doesn’t always line up with government figures, it often influences market sentiment ahead of the official release.

The upcoming jobs report matters because labor conditions are central to interest rate decisions and economic policy. With growth slowing and inflation still above target, investors and policymakers will be watching closely for any signs that hiring is weakening further—or holding up better than expected—as 2026 gets underway.

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#JobsReport #LaborMarket #USJobs #EconomicData #InterestRates

The U.S. housing market in early 2026 is sending mixed and sometimes confusing signals. After years of elevated mortgage rates and sharply higher home prices, confidence in homeownership has weakened—especially among younger Americans. Yet new industry data suggests buyer demand is slowly returning, though only for a narrow slice of the population.

Mortgage executives and economists increasingly describe today’s market as a “tale of two cities.” Some buyers are moving forward with confidence, while others remain firmly stuck on the sidelines.

One sign of renewed activity comes from large lenders that are well positioned to capture demand when rates dip. As mortgage rates slipped just below 6%, some lenders reported a noticeable pickup in applications and production. These gains are being driven largely by borrowers with strong credit profiles, higher incomes, and existing home equity.

Many of these buyers are current homeowners who can use equity from their homes to move up or relocate. Even if it means giving up ultra-low pandemic-era mortgage rates, lower prices in relative terms—and slightly cheaper financing—are enough to make the math work again. This group is powering much of the recent rise in mortgage activity and is expected to support modest growth in home sales this year.

But this rebound is far from universal.

For renters and first-time buyers, affordability remains a major barrier. Home prices are still more than 40% higher than before 2020, and the median home price now sits well above what many households can reasonably afford. Younger buyers face added challenges, including student loan debt, limited savings for down payments, and competition from buyers who can bring cash or large amounts of equity.

As a result, rising mortgage applications don’t necessarily mean the market is becoming broadly affordable—they reflect strength among buyers who were already closer to qualifying.

Economists expect improvement to come slowly. As more homeowners are forced to move due to life events and inventory gradually increases, conditions may ease further. But for now, the housing market remains divided.

The bottom line is clear: in 2026, lower mortgage rates are helping some buyers reenter the market—but meaningful affordability gains for younger and first-time buyers remain elusive.

For direct financing consultations or mortgage options for you visit Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable reality.

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#HousingMarket #MortgageRates #Homebuyers #Affordability #RealEstate2026

Mortgage rates in early February 2026 remain near their lowest levels in months, giving homebuyers and homeowners a meaningful break from the higher borrowing costs seen last year. Compared with late summer, rates are now more than half a percentage point lower, which can translate into real monthly savings.

According to Zillow data, the average 30-year fixed mortgage rate is about 5.95%, down roughly 53 basis points since early August. Refinance rates have followed a similar path, with the average 30-year refinance rate near 6.07%. While rates still move slightly from day to day, the overall trend has improved affordability compared with 2025, especially for borrowers who were sidelined when rates were above 6.5%.

At these levels, monthly payments look very different than they did a few months ago. For example, a $300,000 loan at today’s average 30-year rate results in a payment just under $1,800 per month for principal and interest. Choosing a 15-year loan increases the monthly cost, but dramatically reduces the total interest paid over time. For many borrowers, the decision comes down to balancing cash flow today with long-term savings.

Fixed-rate mortgages continue to attract the most attention because they offer stability and predictable payments. Adjustable-rate mortgages are still available, but the gap between fixed and adjustable rates has narrowed, making ARMs less compelling unless a borrower plans to sell or refinance within a few years.

For those hoping rates will fall much further, most forecasts suggest that may not happen. Industry outlooks expect mortgage rates to hover near 6% through much of 2026, with modest ups and downs tied to inflation data and bond market movements rather than dramatic drops.

That makes personal readiness more important than perfect timing. Improving credit scores, reducing debt, saving for a larger down payment, and comparing multiple lenders can often make more difference than waiting for a slightly lower rate.

The bottom line is that mortgage rates today offer a more favorable window than last year. While they may not fall sharply from here, they are providing buyers and refinancers with renewed opportunity in a housing market that is slowly regaining balance.

For direct financing consultations or mortgage options for you visit Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable reality.

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#MortgageRates #HousingMarket #HomeBuying #Refinance #RealEstateFinance

With news that Donald Trump has nominated Kevin Warsh to become the next chair of the Federal Reserve, talk about mortgage rates has heated up quickly. Some expect rates to fall simply because of the nomination. Others assume a wave of Fed rate cuts is right around the corner.

Most of that misses how mortgage rates actually work.

The truth is, Warsh’s nomination didn’t change expectations in any meaningful way. Markets already assumed the next Fed chair would lean toward lower rates. That idea has been priced into bonds for months. The announcement didn’t introduce new information—it confirmed what investors already believed.

Another common misconception is that Fed rate cuts automatically push mortgage rates lower. They don’t. The Fed controls short-term interest rates. Mortgage rates are driven by long-term bonds, especially Treasury yields and mortgage-backed securities.

By the time the Fed cuts rates, the economic reasons behind those cuts—slower growth, softer inflation, weaker job trends—are usually already reflected in the bond market. That’s why mortgage rates often fall before Fed cuts happen, not after.

We saw this clearly in late 2024. Mortgage rates hit major lows before the Fed began cutting. Once rate cuts started, mortgage rates actually moved higher for months. That pattern wasn’t unusual—it’s how markets process expectations.

Even if you believe new Fed leadership will eventually support lower rates, there’s a hard reality to accept: if it feels obvious, it’s already priced in. Bond traders move fast. Markets don’t wait for confirmation.

So what actually moved mortgage rates this week? Jobs data—not Fed politics.

Several labor market reports pointed to weaker hiring, which reduced inflation pressure. Bonds rallied, and mortgage rates improved. Now, all eyes are on the next major jobs report, which will likely decide whether rates fall further or reverse higher.

The bottom line is simple: Fed chairs don’t set mortgage rates—bond markets do. And right now, economic data matters far more than headlines.

For direct financing consultations or mortgage options for you visit  Nadlan Capital Group. Contact us today for a tailored consultation, where our expert advice turns potential into profitable reality.

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https://www.forumnadlanusa.com/2026/02/will-a-new-fed-chair-really-bring-mortgage-rates-down-heres-the-reality/

#MortgageRates #FederalReserve #BondMarket #EconomicData #HousingFinance