Millions of homeowners may legally own their house and land surface—but not the minerals beneath it. Tim Lucas and Craig Berry explain the little-known world of split estates, where mineral rights and surface rights are separated, potentially allowing outside parties to drill or extract resources from private property.

Connect with Mortgage Research Network:

YouTube: ⁠⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠⁠

Instagram: ⁠⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠⁠

Facebook: ⁠⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠⁠

Website: ⁠⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠⁠

First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠⁠

Homebuyer Calculators: ⁠⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠⁠

Connect with a lender: ⁠⁠⁠⁠⁠⁠https://bit.ly/426Gyaw

In this episode you’ll learn:

• What a split estate actually is: A split estate occurs when surface rights and mineral rights are owned by different parties, creating a separate legal structure beneath the property.
• How this system was created: Laws like the Stock Raising Homestead Act of 1916 allowed settlers to own land while the federal government retained ownership of underground minerals.
• Why mineral rights are often permanently severed: In many states, landowners historically sold surface rights while keeping mineral rights, creating long-lasting ownership splits.
• Which states are most affected: Montana, Wyoming, New Mexico, Texas, Oklahoma, Louisiana, and Pennsylvania all have significant split-estate activity tied to oil, gas, and coal production.
• Why mineral rights are legally dominant: Mineral rights owners often have the legal authority to access the surface for extraction activities, as long as the access is considered “reasonable.”
• How likely drilling activity really is: While millions of acres are affected by split estates, only a small fraction of properties ever experience actual drilling or extraction activity.
• Why risk varies by location: Homes in active energy basins like the Permian Basin or Powder River Basin face greater potential for mineral development conflicts.
• What protections surface owners do have: Operators are generally required to provide notice, negotiate surface use agreements, and post bonds for potential property damage.
• Why title research is critical before buying: Buyers in states with common mineral severance should request title searches specifically reviewing mineral ownership and leases.
• What homebuyers should ask before closing: Reviewing land patents, checking Bureau of Land Management records, and working with experienced title professionals can help avoid surprises.
• The big takeaway: Split estates are rare in many urban areas, but in parts of the western and energy-producing U.S., homeowners may not fully own everything beneath their property.

Read the full article: https://www.mortgageresearch.com/articles/you-own-the-house-but-not-whats-under-it/

Are you struggling to break into the housing market? In this episode of the Real Estate Update, Paul Centopani sits down with Phil Ganz, president of Next Wave Mortgage, to break down exactly how you can navigate today’s complex lending landscape.

With 25 years of industry experience, Phil shares critical insights on how regional affordability challenges affect your buying power and demystifies down payment assistance programs, including state-specific options like the Florida Housing, MassHousing, and the California Dream program.

We dive deep into the trade-offs of shared appreciation models, explore the "easiest path" to building legacy wealth through relocation, and discuss why waiting for the perfect market conditions is a mistake. Phil also outlines his approach to financial literacy, helping borrowers move beyond quick online applications to understand their true "numbers" and cash-to-close requirements. Whether you’re a first-time buyer or looking for strategies to improve your financial footing, this conversation provides the expert advice you need to get started.

Connect with Mortgage Research Network:

YouTube: ⁠https://www.youtube.com/@MortgageResearchNetwork⁠

Instagram: ⁠https://www.instagram.com/mortgageresearchnetwork/⁠

Facebook: ⁠https://www.facebook.com/mtgresearchnews⁠

Website: ⁠MortgageResearch.com⁠

Connect With Phil Ganz:

LinkedIn: https://www.linkedin.com/in/askthemortgageexpert/

Website: https://www.nextwavemortgage.com/

First Time Homebuyer Cheat Sheet: ⁠https://bit.ly/4w8CiVM⁠

Homebuyer Calculators: ⁠https://bit.ly/4n0hDPv⁠

Connect With a Lender: ⁠https://bit.ly/426Gyaw

------

00:00 Intro

00:10 Meet Phil Ganz

00:43 Regional affordability and assistance needs

02:14 Navigating state-specific down payment assistance

03:10 The truth about shared appreciation programs

05:05 The "easiest path" to building legacy wealth

07:14 Strategic use of down payment assistance

09:00 The danger of waiting to buy

13:19 Next Wave’s approach to financial literacy

19:55 Phil’s top advice: Know your numbers

------

#FirstTimeHomeBuyer #MortgageTips #RealEstateInvesting

Home prices have surged far faster than incomes over the past several decades, pushing the “housing math” out of reach for many Americans and reshaping what it takes to afford a home in 2025. Tim Lucas and Craig Berry break down how the income-to-price relationship has fundamentally changed, why certain cities are far more distorted than others, and what’s driving the growing affordability gap across the U.S. housing market.

Connect with Mortgage Research Network:

YouTube: ⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠

Instagram: ⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠

Facebook: ⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠

Website: ⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠

First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠

Homebuyer Calculators: ⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠

Connect with a lender: ⁠⁠⁠⁠⁠https://bit.ly/426Gyaw

In this episode you’ll learn:

• How the home price-to-income ratio has changed over time: The median U.S. home price has risen from about 2.5 times median household income in 1950 to roughly 4.9 times in 2025.
• Where affordability is most extreme: In markets like San Francisco, home prices now exceed 12 times median household income, pricing out most middle-income buyers.
• Why supply shortages are a core driver: Many high-cost metros have failed to build enough housing to keep up with population and job growth, amplifying price pressure.
• How construction differences shape outcomes: Cities with higher building rates, like Austin, have seen more moderate pricing trends compared to supply-constrained coastal metros.
• The political tension around building more housing: Efforts to increase density often face resistance from homeowners concerned about property values and neighborhood change.
• Why high housing costs affect local economies: When housing becomes unaffordable, cities risk losing younger workers and long-term talent inflows.
• Which policy shifts are emerging: Some states are beginning to reform zoning laws to allow more multifamily and higher-density development.
• How large the housing shortage has become: Estimates range from roughly 4 million to as high as 10 million missing homes nationwide.
• What affordability means for first-time buyers today: Even in “more affordable” growth markets, price-to-income ratios remain well above historical norms.
• The big takeaway: The traditional relationship between incomes and home prices has broken down, and without significant new housing supply, affordability will remain structurally strained.

Read the full article: https://www.mortgageresearch.com/articles/why-housing-is-more-expensive-than-ever/

Inflation is surging across everyday essentials—and now a new Federal Reserve Chair is stepping into one of the most difficult economic environments in years. Tim Lucas and Craig Berry break down how rising gas, food, and energy prices—along with global supply chain shocks and political pressure—are shaping the Fed’s next moves and what it could mean for mortgage rates and the housing market.

Connect with Mortgage Research Network:

YouTube: ⁠⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠⁠

Instagram: ⁠⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠⁠

Facebook: ⁠⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠⁠

Website: ⁠⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠⁠

First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠⁠

Homebuyer Calculators: ⁠⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠⁠

Connect with a lender: ⁠⁠⁠⁠⁠⁠https://bit.ly/426Gyaw

In this episode you’ll learn:

• Why gas prices are surging 28.4% year over year: Rising fuel costs are adding pressure to household budgets and feeding broader inflation concerns.
• How everyday essentials are driving inflation higher: Food prices are up 3.2%, electricity is up 6.1%, and overall inflation is running at 3.8%.
• Why the new Fed Chair faces conflicting pressure: Political calls for rate cuts clash with the Fed’s mandate to control inflation and support employment.
• How global supply shocks are fueling inflation: The closure of the Strait of Hormuz has disrupted oil and critical commodity flows including sulfur and methanol.
• Why key industrial materials matter more than they seem: Sulfur and methanol are essential inputs for agriculture, EV batteries, plastics, and manufacturing supply chains.
• How a divided Federal Reserve complicates policy decisions: Internal disagreement between hawks and doves makes rate-setting more uncertain.
• Why changes to Fed communication could shake markets: Reducing forward guidance and rethinking inflation metrics could increase volatility and uncertainty.
• How Fed policy directly affects mortgage rates: Even without setting mortgage rates directly, Fed actions strongly influence bond markets and borrowing costs.
• Why mortgage rates may stay elevated: With inflation still hot, 30-year fixed rates are unlikely to fall below 6% in the near term.
• Why shrinking the Fed’s balance sheet adds risk: Selling government debt and mortgage-backed securities could tighten liquidity and push borrowing costs higher.
• The big takeaway: The new Fed Chair is navigating a high-stakes mix of inflation, political pressure, global shocks, and internal division—leaving few easy policy options.

Read the full article: https://www.mortgageresearch.com/articles/new-fed-chair-mortgage-rates/

Foreclosure filings are rising across America—but this time, it’s not because of risky mortgages or reckless borrowing. Tim Lucas and Craig Berry explain why exploding ownership costs like insurance premiums, property taxes, and HOA fees are pushing more homeowners into financial distress despite historically low mortgage rates.

Connect with Mortgage Research Network:

YouTube: ⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠

Instagram: ⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠

Facebook: ⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠

Website: ⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠

First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠

Homebuyer Calculators: ⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠

Connect with a lender: ⁠⁠⁠⁠⁠https://bit.ly/426Gyaw

In this episode you’ll learn:

• Why foreclosure filings reached a six-year high: More than 367,000 properties had foreclosure filings in 2025, a 14% increase from the previous year.
• Why low mortgage rates are no longer enough: Many homeowners locked in affordable fixed-rate mortgages, but rising non-mortgage housing costs are creating new financial pressure.
• How homeowners insurance costs are skyrocketing: Average annual premiums have surged more than 60% since 2021, with states like Florida seeing especially dramatic increases.
• Why property taxes are becoming a growing burden: Reassessments and rising home values are increasing tax bills for homeowners nationwide.
• How HOA fees and condo assessments are squeezing owners: Some condo owners are facing major fee increases and even six-figure special assessments tied to reserve requirements and deferred maintenance.
• Why foreclosure is often about cash flow, not equity: Homeowners can still face foreclosure even if they have substantial equity in their homes if monthly costs become unaffordable.
• Which states are seeing the highest foreclosure pressure: Florida, Delaware, South Carolina, Illinois, and Nevada are among the hardest-hit markets.
• What homeowners should monitor closely: Escrow shortages, insurance renewals, and rising monthly obligations can quietly destabilize household budgets.
• What buyers need to understand before purchasing: Insurance quotes, HOA reserve funds, and future property tax reassessments can dramatically affect long-term affordability.
• The big takeaway: The modern foreclosure story is no longer primarily about bad loans—it’s increasingly about the rising cost of simply staying in your home.

Read the full article: https://www.mortgageresearch.com/articles/foreclosures-are-rising-hidden-costs-homeownership/

Is the air in your home actually safe? In this episode of the Mortgage Research Network, host Paul Centopani sits down with Ron Rupp, better known as "Radon Ron", to uncover the "invisible" danger every homeowner and buyer needs to understand: Radon gas.

Ron, a certified specialist with over 7,000 mitigations under his belt, breaks down exactly what radon is (a colorless, odorless radioactive gas) and why modern, tightly built homes are particularly at risk of trapping it. You’ll learn why a standard home inspection doesn’t cover radon, how to interpret "picocurie" levels, and the shocking comparison between EPA action levels and smoking cigarettes daily.

Whether you are a first-time homebuyer or a seasoned real estate investor, this expert guide covers everything from the mechanics of mitigation systems to the importance of re-testing every two years. Don't let a hidden gas compromise your family’s health or your property’s value. Watch now to learn how to identify, test for, and fix radon issues before they become a crisis.

Connect with Mortgage Research Network:

YouTube: https://www.youtube.com/@MortgageResearchNetwork

Instagram: https://www.instagram.com/mortgageresearchnetwork/

Facebook: https://www.facebook.com/mtgresearchnews

Website: MortgageResearch.com

Connect With Radon Ron:

Website: https://radonronkc.com/

First Time Homebuyer Cheat Sheet: https://bit.ly/4w8CiVM

Homebuyer Calculators: https://bit.ly/4n0hDPv

Connect With a Lender: https://bit.ly/426Gyaw

------

00:00 Intro

00:10 Meet Radon Specialist "Radon Ron"

00:47 What is Radon? The science of the #86 element

01:13 Why modern homes "breathe" in radioactive gas

02:26 Why standard home inspections MISS radon

04:12 The EPA Action Level: Is 4 pCi/L really "safe"?

05:23 How mitigation systems actually work

06:19 How often should you re-test your home?

07:23 Top advice for first-time home buyers

------

#RadonTesting #HomeBuyingTips #homeinspections

States across the country are considering new taxes on luxury second homes—but are these policies fair, effective, or simply targeting wealth? Tim Lucas and Craig Berry break down the growing debate over second-home taxes and what it could mean for homeowners, housing markets, and state budgets.

Connect with Mortgage Research Network:

YouTube: ⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠

Instagram: ⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠

Facebook: ⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠

Website: ⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠

First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠

Homebuyer Calculators: ⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠

Connect with a lender: ⁠⁠⁠⁠⁠https://bit.ly/426Gyaw

In this episode you’ll learn:

• Why second-home taxes are gaining momentum: States facing budget shortfalls are increasingly looking at luxury second homes as a potential new revenue source.
• What New York City’s proposal would target: Officials are considering taxes on high-value second homes that often sit vacant for much of the year.
• Why supporters believe the taxes are justified: Advocates argue these policies focus on ultra-wealthy property owners rather than middle-class homeowners.
• The concerns raised by second-home owners: Critics say wealthy homeowners already contribute heavily to local economies through spending, employment, and property taxes.
• Whether higher taxes could drive wealthy residents away: The episode explores whether luxury homeowners would actually relocate in response to new taxes.
• What recent Manhattan housing activity may reveal: Despite tax concerns, high-end home sales in New York have continued to show resilience.
• The challenges of implementing second-home taxes: Property valuation disputes, administrative costs, and legal battles could complicate enforcement.
• How second-home taxes could affect local housing markets: Some believe these policies could free up housing supply in expensive areas if owners choose to sell.
• Why the issue reflects a larger debate about wealth and fairness: The discussion highlights the growing tension between raising public revenue and protecting investment incentives.
• The big takeaway: Whether second-home taxes succeed or fail will depend heavily on how they’re structured, targeted, and perceived by the public.

Read the full article: https://www.mortgageresearch.com/articles/second-home-taxes-are-spreading/

The average mortgage application in America just hit a record $467,300—and it’s signaling much more than rising home prices. Tim Lucas and Craig Berry explain how affordability pressures are reshaping the housing market and pushing many first-time buyers out of homeownership entirely.

Connect with Mortgage Research Network:

YouTube: ⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠

Instagram: ⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠

Facebook: ⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠

Website: ⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠

First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠

Homebuyer Calculators: ⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠

Connect with a lender: ⁠⁠⁠⁠⁠https://bit.ly/426Gyaw

In this episode you’ll learn:

• Why the average mortgage amount keeps climbing: Rising loan sizes reflect not only higher home prices, but also a shrinking pool of buyers who can still afford to purchase homes.
• How first-time buyers are being squeezed out: First-time homebuyers now make up just 21% of purchases, the lowest share on record dating back to 1981.
• Why today’s market favors wealthier buyers: Existing homeowners often have equity to roll into a new purchase, giving them a major advantage over first-time buyers.
• How mortgage rates are worsening affordability: Higher borrowing costs combined with elevated home prices are making entry into the market increasingly difficult.
• Why the average first-time buyer is older than ever: The typical first-time homebuyer is now 40 years old, reflecting how long it takes many Americans to save and qualify.
• What happens when first-time buyers disappear: The housing market depends on entry-level buyers to keep the “housing ladder” moving. Without them, the entire system slows down.
• Why this is bigger than just a housing story: Reduced access to homeownership can widen wealth gaps and impact long-term financial stability for younger generations.
• What options still exist for first-time buyers: FHA loans, down payment assistance programs, and more affordable Midwest markets may offer opportunities despite current challenges.
• Why affordability pressures could eventually affect current homeowners too: Fewer qualified buyers may create future challenges for sellers in expensive markets.
• The big takeaway: Record mortgage amounts are a warning sign that homeownership is becoming increasingly concentrated among wealthier Americans, reshaping the future of the housing market.

Read the full article: https://www.mortgageresearch.com/articles/average-mortgage-amount-hits-all-time-high/

Online home value tools may be convenient, but how accurate are they really? Tim Lucas and Craig Berry explore the strengths and weaknesses of automated valuation models like Zillow’s Zestimate—and why relying too heavily on them could lead to costly mistakes.

Connect with Mortgage Research Network:

YouTube: ⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠

Instagram: ⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠

Facebook: ⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠

Website: ⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠

First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠

Homebuyer Calculators: ⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠

Connect with a lender: ⁠⁠⁠⁠https://bit.ly/426Gyaw

In this episode you’ll learn:

• Why online home estimates can be wildly inaccurate: Even Zillow’s former CEO reportedly saw his own home misvalued by a massive margin.
• How automated valuation models (AVMs) work: These tools rely on public records, recent sales, and historical market data to estimate home values.
• What AVMs often miss: Unique home features, renovations, views, landscaping, neighborhood nuances, and buyer emotions are difficult for algorithms to measure.
• Why local expertise still matters: Real estate agents and appraisers can provide context and market insight that online tools simply can’t replicate.
• The risks of overpricing or underpricing a home: Relying too heavily on an online estimate could impact negotiations, time on market, and final sale price.
• Why AVM accuracy varies by market: Error rates can differ significantly depending on location, especially in high-priced or unique housing markets.
• How home valuations affect more than just sales: Estate planning, refinancing, insurance, and financial planning decisions can all be impacted by inaccurate valuations.
• What Zillow’s published error rates really mean: While AVMs can provide a useful starting point, even small percentage errors can translate into huge dollar amounts.
• Why technology should complement—not replace—human judgment: Algorithms are useful tools, but they can’t fully capture the emotional and subjective side of real estate.
• The big takeaway: Online home value estimates are helpful for rough guidance, but major financial decisions still require local knowledge and professional expertise.

Read the full article: https://www.mortgageresearch.com/articles/how-reliable-are-online-automated-home-valuations/

Is the 2026 housing market finally becoming affordable, or are we stuck in a "new normal" of high rates and low inventory? In this episode of the Real Estate Update, Paul Centopani sits down with Mark Fleming, Chief Economist at First American, to break down the complex realities of today’s home financing landscape.

Fleming provides a deep dive into why entry-level homes are the hardest hit and which regions, like the Midwest and Northeast, are defying national trends with 6-7% price appreciation. You’ll learn actionable strategies for navigating high mortgage rates, including the benefits of hybrid ARMs and how to use points to buy down your rate. Fleming also addresses the massive impact of energy prices on home buying in 2026 and why "upzoning" might be the only long-term solution to the inventory crisis.

Whether you're a first-time buyer trying to get on the housing ladder or a seasoned investor tracking housing market crash 2026 rumors, this interview offers the expert perspective you need to make a lifestyle-driven decision. Don't buy a home until you hear Mark Fleming's "stepping stone" philosophy.

Connect with Mortgage Research Network:

YouTube: ⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠

Instagram: ⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠

Facebook: ⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠

Website: ⁠⁠MortgageResearch.com⁠⁠

Connect with Mark Fleming:

LinkedIn: https://www.linkedin.com/in/mark-fleming-4a0a07b/

First Time Homebuyer Cheat Sheet: ⁠⁠https://bit.ly/4w8CiVM⁠⁠

Homebuyer Calculators: ⁠⁠https://bit.ly/4n0hDPv⁠⁠

Connect With a Lender: ⁠⁠https://bit.ly/426Gyaw

------

0:00 Intro

0:10 Meet Mark Fleming

00:44 Regional Heat Map: Why the Midwest is still appreciating

01:45 The Entry-Level Struggle: Why first-time buyers are stuck

03:38 Budget Hacks: Down payments and buying down points

04:15 The Hybrid ARM Advantage: A safer way to lower payments

06:28 2026 Rate Forecast: Why 6% is the new target

11:22 Fixing Inventory: Zoning laws and multi-unit dwellings

13:28 The "Stepping Stone" Strategy for First-Time Buyers

------

For more information about the housing market, visit MortgageResearch.com.

#HousingMarket2026 #MortgageRates #RealEstateInvesting