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Affordability

FHA Delinquency Hit 11.79%. Here’s What a Mortgage Banker Actually Thinks About It.

October 12, 2026 by Don Proctor

FHA delinquency hit 11.79% in Q2 2026. Before the headlines make your decisions for you, here is what the data actually says, and what escrow shock is really doing to borrowers right now.

Categories Affordability, Education, Market Updates & Rate News Leave a comment

That Mortgage Payment You Found Online? It’s Probably 30 to 40 Percent Too Low.

October 12, 2026August 31, 2026 by Don Proctor

That Number You’re Shopping With Is Not Your Payment You found a calculator online, ran the numbers, and the payment looked like something you could work with. So you started shopping. This is how most buyers enter the market, and it is also how most buyers end up in an uncomfortable conversation with their lender … Read more

Categories Affordability

Nearly 1 in 5 Buyers Is Looking to Relocate Right Now. Here’s What the Math Actually Says.

October 12, 2026July 22, 2026 by Don Proctor

A record 19% of buyers are searching outside their home state. Here is how cross-state relocation is reshaping housing affordability in 2026.

Categories Affordability

Builders Are Out-Financing Resale. Here’s the Math Buyers Need to See Before They Choose.

October 12, 2026July 20, 2026 by Don Proctor

Builders are offering $15,000 to $60,000 in rate buydowns and zero-closing-cost deals. Here is how new construction financing compares to resale.

Categories Affordability

The Property Tax Revolt Is Real. But Don’t Expect Politicians to Fix Your Bill.

October 12, 2026July 6, 2026 by Don Proctor

More than a dozen states are fighting to cut, cap, or eliminate property taxes. Here is what the homeowner tax revolt means for buyers and sellers.

Categories Affordability

Nearly Half of Home Sales Now Include a Seller Concession – Are You Using That Leverage?

October 12, 2026July 1, 2026 by Don Proctor

Sellers are giving ground in nearly half of all home sales. Here is how to use seller concessions to buy down your rate or cut closing costs.

Categories Affordability

Are Generic Online Mortgage Calculators Lying to You?

October 12, 2026June 29, 2026 by Don Proctor

Most online mortgage calculators show only principal and interest. Here is why that number is missing hundreds of dollars in real housing costs.

Categories Affordability 2 Comments
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