Why First-Time Homebuyers Hit a Record Low in 2025 and Why 2026 Could Change Everything
By: Deven Gillen Published on: 06/01/2026First-time homebuyers made up just 21% of purchases in 2025, the lowest level on record. Learn why affordability broke down and why 2026 could be a re-entry year for buyers.
The Fed Just Cut Rates Again: What It Really Means for Mortgage Rates in 2026
By: Deven Gillen Published on: 11/12/2025The Fed’s latest rate cut does not guarantee lower mortgage rates. This preview breaks down why markets reacted cautiously, what the Fed’s 2026 outlook signals and how buyers can take advantage of brief rate dips in a volatile environment.
FHFA Raises 2026 Conforming Loan Limits: What Buyers and Agents Need to Do Right Now
By: Deven Gillen Published on: 03/12/2025The FHFA has raised the 2026 conforming loan limits to $832,750 nationwide and up to $1,249,125 in high-cost areas. This preview explains how the update expands buyer eligibility, why some jumbo loans now qualify as conventional and what agents and buyers need to do right away. A must-read for anyone navigating today’s market.
NAR’s 2025 Compensation Clarifications: What Loan Officers Should Know to Support Agents and Buyers
By: Deven Gillen Published on: 19/11/2025NAR has issued new guidelines for 2025 requiring buyers to sign a written agreement with their agent detailing how that agent is compensated. Agents must be transparent with their clients if they are paid by more than one party, though the other side of the deal does not receive those details. Loan officers can use this shift to support agents, educate consumers and reinforce trust in the home-buying process.
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