Category: Home Buying

Houston neighborhood homes with a city homebuyer assistance program notice

Houston First Time Buyers Face a Pause in the City’s Homebuyer Assistance Program as Officials Say Funds Are Gone and Existing Preapprovals Will Expire

 Joshua Adkins  August 25, 2026

The city says its down payment aid is temporarily out of money, with some Houston neighborhoods still under a separate suspension tied to an EPA review.

A suburban home exterior with a for-sale sign in front of the house

Zillow Says a Median-Income U.S. Household Now Needs Nearly 15 Years to Save and Break Even on a Home as Affordability Stays Tight

 Joshua Adkins  August 24, 2026

A Zillow analysis says the path from renting to owning has stretched sharply since 2019, with long timelines in many markets and the longest waits in shortage-hit metros.

California homebuyers reading about a proposed down payment loan program

California Proposition 37 Would Create a $25 Billion Bond-Funded Loan Program to Help Qualified Buyers Cover Down Payments on New Homes

 Joshua Adkins  August 24, 2026

The proposal would let eligible Californians borrow part of a down payment while limiting the required cash contribution and setting income and residency rules.

A home for sale sign outside a house as mortgage rates rise in Zillow data

Zillow Data Shows 30 Year Mortgage Rates Edge Higher to 6.64 Percent as the Summer Selling Season Winds Down and Adjustable Loans Jump

 Joshua Adkins  August 24, 2026

National averages moved up from last week, with the 5/1 ARM rising the most in Zillow’s latest Sunday snapshot.

A young Rochester couple in front of a four-bedroom starter home with a fenced backyard

Rochester Couple in Their Early 20s Buys a Four Bedroom Starter Home for $189,000 After Being Outbid on Three Other Offers

 Joshua Adkins  August 24, 2026

A young Rochester couple used an FHA loan, savings, and help from family to buy a first home with just $10,000 down.

A homeowner reviews mortgage paperwork with a calculator and house keys nearby

Bankrate Study Says Millions of American Homeowners Overpay on Mortgages by About $3,343 a Year as Lenders Compete Poorly on Rates

 Joshua Adkins  August 23, 2026

A June 2026 Bankrate analysis says most U.S. borrowers paid more than the competitive market for their mortgage rates in 2025.

A New Jersey investor pleaded guilty in federal court over mortgage fraud and COVID relief loan schemes

Toms River Investor Pleads Guilty in Brooklyn Mortgage Fraud and More Than $1.8 Million in COVID Relief Loan Schemes, Prosecutors Say

 Joshua Adkins  August 23, 2026

Arthur Spitzer admitted to bank and wire fraud conspiracy, money laundering and restitution tied to the Brooklyn properties and SBA loans.

Grant Cardone speaking on a phone screen about a $5,000 house hacking strategy

Grant Cardone Describes a $5,000 House Hacking Plan for a Four Unit Property That Could Cover Housing Costs for a Year and Build Equity Through Rents and Appreciation

 Joshua Adkins  August 23, 2026

The real estate investor outlined a low-down-payment multifamily strategy, but the math depends on financing, occupancy and local market conditions.

Calculator and house keys beside a model home representing mortgage costs on a median-priced house

As Freddie Mac’s 30-Year Mortgage Rate Slips to 6.65%, Realtor.com Says a Median $430,000 Home Still Demands More Than $2,200 a Month With 20% Down

 Joshua Adkins  August 22, 2026

The weekly decline trims payments a bit, but buyers still face higher costs than a year ago on the U.S. median-priced home.

A house for sale sign outside a suburban home eligible buyers may finance with a USDA loan

How USDA Loans Can Ease Down Payment Pressure for U.S. Buyers in Rural and Suburban Areas as Mortgage Rates Hover Above 6.70 Percent

 Joshua Adkins  August 22, 2026

USDA-backed mortgages can offer no down payment and lower rates for eligible buyers, but the homes and incomes that qualify are limited.