Real Estate Market Updates

  • A New Path to Homeownership: 401(k) Funds May Soon Be Fair Game

    The Federal Government may start to allow people to take money out of their 401(k)s to use that for a down payment to buy a home. Already, first-time homebuyers who hold Individual Retirement Accounts (IRAs) — retirement accounts that are not sponsored by an employer — can tap these funds up to $10,000 without penalty

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  • Indexing Home Purchase Prices to Inflation for Capital Gains Tax

    Should the capital gains on the sale of a home be based on its cost being indexed to inflation, ie: a home bought for $200,000 20 years ago should be tied to inflation so that today, with inflation at 2% annually (averaged), that cost basis should rise with inflation to be $297,000 today? (WSJ) 1/16/2026

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  • Mortgage Rates Are Falling—but Homeowners Don’t Want to Move

    Mortgage rates have fallen to their lowest level in a year, but millions of homeowners are still locked into ultralow mortgage rates they don’t want to give up. Nearly 30 million households, or 54% of primary mortgage-holders, have mortgage rates at or below 4%. They were able to buy homes or refinance their mortgages when

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  • Natural Gas Prices Whiplash: Massive Drop Followed by Sharp Recovery

    Natural gas prices can be very volatile: the natural gas price plummeted over 71% in a year between August 2022 and August 2023. Today it is 70% higher than August 2023. (CNBC) 11/18/2025

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  • Unmapped and Uninsured: The Growing Flood Threat Beyond the Coast

    Banks, builders, landlords and homeowners rely on federal maps to assess the risk of flooding, the costliest type of natural disaster in the U.S. Typical home insurance doesn’t cover flooding, so most mortgage lenders require separate coverage inside the U.S. government’s designated flood zones. But federal maps overlook millions of at-risk homes across the country—often

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  • How Falling Mortgage Rates Could Spark a Real Estate Boom and Boost the U.S. Economy

    The real estate industry makes up anywhere from 14 -18% of the US’s GDP. A coming boom could have an enormous impact on the U.S. economy. Sellers, builders, contractors, lawyers, accountants, brokers, insurers, retailers and countless other small- and mid-sized businesses that are both directly and indirectly connected to this industry will benefit. For this

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  • Soft Dollar, Hard Assets

    On Wall Street, “The debasement Trade” is a bet that government borrowing and money printing will erode the value of the U.S. dollar, so investors are shifting cash into assets like gold, crypto, stocks …….and real estate ……that can hold their value. (CNBC) 10/11/2025

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  • NYC Heat Season: The Law, The Fines, and What Landlords Must Do

    Key Legal Requirements in NYC In New York City, heat and hot water are considered essential services under the Housing Maintenance Code and related statutes. Here are the main obligations landlords must meet during Heat Season (October 1 to May 31):  Time Period Condition Required Interior Temperature Day (6:00 AM – 10:00 PM) when outdoor temp < 55 °F Outdoor is cold

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  • Home Loan Refinancing Surges 58% in a Week as ARM Activity Hits 15-Year High

    Applications to refinance a home loan jumped 58% last week compared with the previous week and were 70% higher than the same week one year ago. The ARM share of mortgage activity increased to 12.9% of total applications, its highest level since 2008. The average loan size on refinances reached its highest level in the

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