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Is the lock-in effect loosening its grip on housing? Realtor.com thinks so Jan. 14th 2026
U.S. homeowners who carry mortgages with rates of 6% or more now outnumber those with rates below 3%.
December existing home sales hit three year high Jan. 14th 2026
U.S. existing home sales rose 5.1% month-over-month in December 2025 to 4.35 million as inventory fell 18.1%, NAR reports.
Lower mortgage rates support steady new home sales Jan. 13th 2026
The long-delayed report shows new home sales reached 737,000 in October 2025, up 18.7% from last year, as mortgage rates fall near 6%
December inflation flat as Fed eyes interest rate decision Jan. 13th 2026
U.S. inflation held at 2.7% in December, with shelter, food and energy driving monthly gains as Fed weighs rate policy.
U.S. housing inventory growth slows to 10% as demand reshapes the 2026 market Jan. 12th 2026
Inventory growth has slowed to 10% year over year as demand drives a more balanced and seasonal 2026 housing market, according to HousingWire data.
Midwest housing markets coming in hot for 2026 Jan. 12th 2026
Across the hottest markets, a defining feature stands out — inventory well below one month at the current sales pace.
Affordable HOMES Act passes House Jan. 12th 2026
The House passed the Affordable HOMES Act to increase affordable housing by streamlining manufactured housing standards and reducing costs.
Neighbors Bank ranks best cities for first-time homebuyers in 2026 Jan. 12th 2026
The report analyzed cities with populations above 115,000 where monthly housing costs did not exceed 35% of median household income.
The 2–4% mortgage trap is freezing housing: Defeasance may be the way out Jan. 12th 2026
For the past several years, the U.S. housing market has faced an unusual constraint: not a lack of buyers, but a lack of sellers willing — or able — to move.
Millions of homeowners remain “rate-locked,” holding mortgages originated in 2020–2022 at interest rates between 2% and 4% (Federal Housing Finance Agency; Freddie Mac Primary Mortgage Market Survey). While home values have risen, the financial penalty of selling and repurchasing at today’s 6%–7% rates has discouraged mobility, suppressing inventory and transaction volume nationwide (National Association of Realtors; HousingWire).
Why U.S. home insurance costs have leapt in the past decade Jan. 12th 2026
The cost of home insurance in the United States rose by ~89% between 2014 and 2025, as rapidly climbing home prices, more frequent extreme weather events and inflation impacted insurers and homeowners. ICE analysts share key insights from their recent 10-year study into the forces propelling rising insurance costs across the nation.