U.S. federal agency
U.S. housing market paralyzed by lock-in effect | Analysis: For homeowners not looking to move anytime soon, the low rates they secured will benefit them for ...
nytimes.com/2024/04/15/upshot/mortgage-rates-homes-stuck.html
Biden Rent Increase Cap Shows the Tenant Union Movement Can Win Nationally: The new rent cap heralds a shift in tenant organizing in the U.S. from building power ...
commondreams.org/opinion/biden-rent-increase-cap-tenant
11 U.S. cities where you need to earn over $200,000 to buy a typical home: In seven different housing markets in California, you would need to earn over $200 ...
cnbc.com/2024/04/09/you-need-to-earn-over-200k-to-buy-a-home-in-11-us-cities.html
Less than half of U.S. banks ready to borrow from Fed in emergency: A year after Silicon Valley Bank's failure, less than half of U.S. banks have established ...
reuters.com/business/finance/less-than-half-us-banks-ready-borrow-fed-emergency-2024-04-12/
Biden Is Stalling On A Rule That Would Save Americans Nearly $1.5 Billion: The regulation would change how much of the United States builds homes.
huffpost.com/entry/biden-climate-rule-homes_n_66194a57e4b000ed88edbd4d
Home Renovations Boom Thanks to Higher US Mortgage Rates: Homeowners are staying put, and remodeling everything from bathrooms to kitchens.
bloomberg.com/news/features/2024-04-19/home-renovations-boom-thanks-to-higher-us-mortgage-rates
Paid articlePaid
Mortgage rate map: ‘Lock-in effect’ more dramatic in SF Bay Area: Here’s the average mortgage rate among San Francisco Bay Area homeowners now — and how it ...
sfchronicle.com/projects/2024/mortgage-rates-map-bay-area/
The U.S. housing market’s biggest headaches, in five charts: ‘The U.S. housing market is on a different planet than the rest of the world,’ IMF director says
marketwatch.com/story/the-u-s-housing-markets-biggest-headaches-in-five-charts-922d1fc7
Homebuyers’ quandary: to wait or not to wait for lower mortgage rates: Shop for a home now or hold out for possibly lower mortgage rates? That’s a question ...
richmond.com/news/nation-world/business/economy/homebuyers-homebuying-season-mortgage-rates-lower-federal-reserve/article_31cdf735-82d3-56f7-9157-b91ac41d2a56.html
Homeowners face a $25trn bill from climate change: Property, the world’s biggest asset class, is also its most vulnerable
economist.com/briefing/2024/04/11/homeowners-face-a-25trn-bill-from-climate-change
Housing market thawing as 'mortgage lock' homes go up for sale: JPMorgan: Existing home inventory increased nearly 6% last month, suggesting the housing market's ...
businessinsider.com/housing-market-recovery-outlook-mortgage-rates-lock-supply-rebound-jpmorgan-2024-3
Americans are frustrated by housing prices ahead of the 2024 election: The shortage is dampening President Joe Biden's assurances that the U.S ...
pbs.org/newshour/politics/americans-are-frustrated-by-housing-prices-ahead-of-the-2024-election
The lock-in effect has cost the housing market 1.3 million home sales and affected home prices, finds FHFA
fastcompany.com/91067195/housing-market-lock-in-effect-cost-1-3-million-home-sales-home-prices-fhfa
Tax breaks in Puerto Rico lure wealthy Americans, price out locals: Puerto Rico is becoming a popular destination for mainland Americans seeking tax breaks ...
businessinsider.com/tax-breaks-puerto-rico-wealthy-americans-housing-prices-job-opportunities-2024-3
Homebuyers' biggest mistake: waiting for mortgage rates to fall: The rise in mortgage rates has both buyers and sellers playing the waiting game ...
businessinsider.com/housing-market-mistake-buyers-sellers-mortgage-rates-time-to-buy-2024-3
Paid articlePaid
Home Sellers Disappointed by Biden's $10,000 Tax Credit: Amid housing supply challenges, Biden's tax credit offer faces scrutiny from homeowners locked in by low ...
newsweek.com/biden-tax-credit-home-sellers-mortgage-rates-housing-market-1882559
Canadian-style portable mortgages could help unfreeze housing market: Allowing people to keep cheap mortgage rates when they move home could boost listings and ...
businessinsider.com/portable-mortgages-interest-rates-housing-market-affordability-crisis-frozen-sellers-2024-3
Paid articlePaid
After Silicon Valley Bank’s failure, its attempted rescuer charged $285 million in fees
ocregister.com/2024/03/13/after-svbs-failure-its-attempted-rescuer-charged-285-million-in-fees/
Save up to $1,500 on a mortgage refinance with the new FHFA program: The FHFA has launched a new pilot program that waives title insurance on certain mortgage ...
businessinsider.com/new-fhfa-title-insurance-pilot-refinance-closing-costs-2024-3
What Biden's plan to lower housing costs means for hopeful homebuyers: In the State of the Union, President Biden laid out a new plan to make homeownership more ...
businessinsider.com/biden-lower-cost-homeownership-hopeful-homebuyers-2024-3
US annual home prices rising despite fourth-quarter slowdown, FHFA says: U.S. annual home prices rose again in December, although housing price growth slowed ...
reuters.com/markets/us/us-annual-home-prices-rising-despite-fourth-quarter-slowdown-fhfa-says-2024-02-27/
Justice Department Cracks Down on $20M COVID-19 Relief Fraud Scheme: Six Texas men sentenced in a $20M PPP loan fraud. Justice Department's firm action ...
smallbiztrends.com/2024/02/justice-department-cracks-down-on-20m-covid-19-relief-fraud-scheme.html
Home prices may be sky-high, but America is not in a housing bubble: If you've been waiting — maybe even cheering — for the housing bubble to pop and home prices ...
businessinsider.com/housing-market-bubble-home-prices-stay-high-crash-real-estate-2024-2
Paid articlePaid
How AI is quietly changing everyday life: And what Washington is doing about it behind the scenes.
politico.com/news/2024/02/04/how-ai-is-quietly-changing-everyday-life-00138341
Nearly 9 in 10 US homeowners have mortgage rate below 6 percent: Report: Nearly 9 in 10 U.S. homeowners have a mortgage rate below 6 percent ...
thehill.com/business/4404959-nearly-nine-in-10-us-homeowners-have-mortgage-rate-below-6-percent-report/
Home prices continued climb in October, surveys show: Annual home prices in October rose again, pointing toward continued recovery of the housing market ...
reuters.com/markets/us/annual-home-prices-rise-again-fhfa-2023-12-26/
High Housing Prices May Pose a Problem for Biden: Buying a home is a less attainable goal for many young people, and rents are expensive ...
nytimes.com/2023/12/15/us/politics/housing-prices-biden.html
Why Isn’t the Government Doing More About the Housing Crisis?: The Department of Housing and Urban Development should consider doing some housing and urban ...
theatlantic.com/ideas/archive/2023/12/housing-crisis-hud-authority/676368/
Life insurers binge on US financing aimed at helping housing: Major life insurers are accessing cheap funding at record levels from a U.S. government-backed ...
reuters.com/markets/us/life-insurers-binge-us-financing-aimed-helping-housing-2023-12-05/
Stocks up 25% in 2023 vs. 5% gains for homes. Why the gap?: A typical year has a 14-percentage-point gap between annual gains in stock and home performance.
ocregister.com/2024/01/04/stocks-up-25-in-2023-vs-5-gains-for-homes-why-the-gap/
US annual home price growth at 6.1% in September, FHFA says: U.S. annual home price growth accelerated again in September, underscoring the rebound of the ...
reuters.com/markets/us/us-annual-home-price-growth-61-september-fhfa-says-2023-11-28/
MBB: A Good ETF To Access Mortgage-Backed Securities: iShares MBS ETF is a longer-duration play with very low credit risk. Read more to see an overview and ...
seekingalpha.com/article/4660224-mbb-a-good-etf-to-access-mortgage-backed-securities
Paid articlePaid US to Back Million-Dollar Mortgages in San Diego, Breckenridge, Colorado: The federal government will back mortgages of more than $1 million in additional areas ...
bloomberg.com/news/articles/2023-11-28/us-to-back-million-dollar-mortgages-in-san-diego-breckenridge
Paid articlePaid Federal Home Loan Banks: Why Lobbyists Are Fighting Housing Lending Reform: A looming battle over the Federal Home Loan Banks shows how hard it will be to ...
bloomberg.com/news/articles/2023-12-20/federal-home-loan-banks-why-lobbyists-are-fighting-housing-lending-reform
Tenants and Economists Are Pushing to Regulate Rent for a Vast Amount of U.S. Housing
vice.com/en/article/dy3kdw/tenants-and-economists-are-pushing-to-regulate-rent-for-a-vast-amount-of-us-housing
US regulator says it plans to overhaul Federal Home Loan Bank system: The U.S. regulator charged with overseeing the Federal Home Loan Banks said in a report on ...
reuters.com/world/us/us-regulator-says-it-plans-overhaul-federal-home-loan-bank-system-2023-11-07/
Home Prices Are Historically High Next to Rents. Don’t Panic.: The ratio is well above the levels that preceded the last housing crash. But there might be ...
bloomberg.com/opinion/articles/2023-12-05/home-prices-are-historically-high-next-to-rents-don-t-panic
Paid articlePaid Wages boost US labor costs, house price inflation picks up: U.S. labor costs increased solidly in the third quarter amid strong wage growth while house price ...
reuters.com/article/usa-economy-idTRNIKBN31V109
A sliver of hope for the skyrocketing housing market : Well intentioned or not, regulations — particularly those regarding mortgage buybacks on loans with loan ...
thehill.com/opinion/finance/4285221-a-sliver-of-hope-for-the-skyrocketing-housing-market/
Commentary: Rent control measures will only make the housing crisis worse: For policymakers rent control possesses a near irresistible appeal ...
richmond.com/opinion/columnists/commentary-rent-control-measures-will-only-make-the-housing-crisis-worse/article_5fd53922-8d6f-11ee-8e99-2310e3e380a4.html
How to address homelessness in Pennsylvania: The same “fixes” that worked before the COVID-19 pandemic will not work any longer.
inquirer.com/opinion/commentary/homeless-pennsylvania-berks-county-housing-costs-solutions-20231116.html
Aaron Nielson named Texas solicitor general: Aaron Nielson will take a one-year leave of absence from BYU’s law school to lead the influential unit within the ...
texastribune.org/2023/11/13/aaron-nielson-texas-solicitor-general/
3 benefits of buying a home when interest rates are high: Moneywise outlines a few surprising advantages to homebuying in a high-interest market.
kentucky.com/news/business/article281810508.html
Sweeping new Biden order aims to alter the AI landscape: The White House is poised to make an all-hands effort to impose national rules on a fast-moving ...
politico.com/news/2023/10/27/white-house-ai-executive-order-00124067
Quick Glance: University of Chicago aims to disrupt AI art generators with 'Nightshade'
- Altered images could destroy AI models that scrape art without consent.
- Researchers at the University of Chicago have developed 'Nightshade' to disrupt the training process of AI models.
- Many image synthesis models use scraped web images without artist permission, with exceptions like Adobe and Getty Images.
- Access to licensed image databases like Getty and Shutterstock provides advantages when using licensed training data.
The Texas Housing Market Is Starting to Look More Like California: Even before the pandemic hit, people were moving to cheaper areas from other Texas cities and ...
wsj.com/story/the-texas-housing-market-is-starting-to-look-more-like-california-bd21358e
As new term begins, Supreme Court faces fallout from its rightward shift: The justices return from their summer recess on Monday, and they're poised to wade ...
politico.com/news/2023/10/01/supreme-court-key-issues-00119351
Quick Glance: Biden: Constitution Allows Supreme Court Ethics Code
- President Biden argues that there are no constitutional reasons why the Supreme Court cannot have a code of ethics.
- Biden emphasizes that it is not the case that the Constitution prohibits the court from having basic and reasonable ethical rules.
- In an interview with ProPublica, the president discusses threats to democracy and democratic institutions, with the Supreme Court as a main topic.
- Justices will also decide whether to hear a case involving a hedge fund manager's company, who reportedly flew Justice Samuel Alito to Alaska in 2008.
Supreme Court majority seems skeptical of challenge to consumer watchdog : Justices hear a challenge to a lower court ruling that said the funding mechanism for ...
washingtonpost.com/politics/2023/10/03/supreme-court-cfpb-funding/
Federal Home Loan Bank criticisms are short on facts and nuance: We are the largest private sector contributor to affordable housing initiatives in the country — ...
thehill.com/opinion/finance/4240474-federal-home-loan-bank-criticisms-are-short-on-facts-and-nuance/
US annual home price growth accelerates in July: U.S. annual home price growth accelerated for a second straight month in July, signaling that softening prices ...
reuters.com/markets/us/us-annual-home-price-growth-picks-up-july-fhfa-says-2023-09-26/
The Supreme Court May Soon Eviscerate The Consumer Financial Protection Bureau: Payday lenders’ challenge to the constitutionality of the agency’s funding has no ...
huffpost.com/entry/supreme-court-cfpb-funding_n_6516e719e4b0e24022cd5902
US consumer confidence dives to four-month low; home sales tumble: U.S. consumer confidence dropped to a four-month low in September, weighed down by persistent ...
reuters.com/markets/us/us-consumer-confidence-ebbs-september-2023-09-26/
Dave Loundy: Is the Federal Home Loan Bank System doing enough to help the affordable housing crisis?
chicagotribune.com/opinion/commentary/ct-opinion-chicago-affordable-housing-crisis-federal-home-loan-banks-20231017-szj5nqydafdglhd2x2btwdbjoe-story.html
How Lehman's collapse 15 years ago changed the U.S. mortgage industry: The global financial crisis of 2008 ushered in a new era of consumer protection ...
npr.org/2023/09/15/1199321274/lehman-brothers-collapse-2008-mortgages
Rent control laws on the national level? Biden administration offers a not-so-subtle push
usatoday.com/story/money/personalfinance/2023/09/05/federal-rent-control-laws-debate/70666376007/
US home prices show signs of stabilizing, reports show: U.S. housing prices showed further signs of stabilizing in June, according to two reports out Tuesday ...
reuters.com/markets/us/annual-us-house-price-growth-picked-up-june-fhfa-2023-08-29/
The US banking safety net has proved its value: Regional state-backed co-operative banks network has provided essential loans and collateral at times of market ...
ft.com/content/70ff36ee-d131-4a4d-a6f7-ea3e4fd04473
Paid articlePaid National rent control will make the housing crisis worse — here’s why: Commonsense solutions exist. Now, what’s left is for policymakers to implement them.
thehill.com/opinion/civil-rights/4162725-national-rent-control-will-make-the-housing-crisis-worse-heres-why/
Judge James Ho: The edgelord of the federal judiciary: Imagine a Breitbart comments forum come to life and given immense power over innocent people ...
vox.com/scotus/23841718/edgelord-federal-judiciary-james-ho-fifth-circuit-abortion-guns
Does the FHFA know what it's getting itself into?: Any comprehensive overhaul of the Federal Home Loan Bank System will have to navigate a dense thicket of ...
americanbanker.com/opinion/does-the-fhfa-know-what-its-getting-itself-into
Paid articlePaid 'Renters Are Struggling': Economists Back Tenant-Led Push for Federal Rent Control
commondreams.org/news/economists-rent-control
Housing market: US home prices are nearly back to all-time highs: Home prices in June were just 0.02% off their record highs reached a year earlier ...
markets.businessinsider.com/news/stocks/housing-market-unaffordability-case-shiller-prices-record-outlook-inventory-homes-2023-8
California expands pandemic mortgage relief program: Cash grants to help Californians who have missed mortgage payments because of the pandemic have been ...
sfchronicle.com/bayarea/article/california-homeowner-mortgage-relief-program-18337292.php
US Home Cash-Out Refinancing Falls to Less Than 17%, Lowest Since 2000: US interest-rate hikes have dented a key source of consumer funds — home-equity build-ups ...
bloomberg.com/news/articles/2023-08-29/us-home-cash-out-refinancing-lowest-since-2000-after-fed-hikes
Americans fleeing expensive cities, moving into wildfires and droughts: Rather than leaving areas at high risk of natural disasters and other climate issues ...
businessinsider.com/wildfires-drought-climate-change-fleeing-expensive-cities-to-dangerous-places-2023-8
Paid articlePaid Economists Support Nationwide Rent Control in Letter to Biden Admin: "All the empirical literature suggests that the basic economic story does not ...
vice.com/en/article/5d9yvz/economists-support-national-rent-control-in-letter-to-biden-admin
These 10 states are America's strongest housing markets, offering buyers the best value
cnbc.com/2023/07/19/these-10-states-are-americas-strongest-housing-markets.html
L.A.'s $1-million median home is an outrage we could have prevented: California's median home price is near $750,000. The most promising prescription for the ...
latimes.com/opinion/story/2023-08-14/los-angeles-la-california-median-home-price-1-million-housing-single-family-zoning-density
These states are America’s most expensive to live in for 2023: While inflation has eased, it is still stubbornly high across the U.S., and certain states are ...
cnbc.com/2023/07/12/these-states-are-americas-most-expensive-to-live-in.html
The new FHFA credit score rules will make buying a home harder: The decision to allow lenders to review only two credit reports for mortgage applicants will harm ...
americanbanker.com/opinion/the-new-fhfa-credit-score-rules-will-make-buying-a-home-harder
Paid articlePaid US consumer confidence races to 17-month high; housing market regaining strength: U.S. consumer confidence increased in June to the highest level in nearly 1-1/2 ...
reuters.com/markets/us/us-core-capital-goods-orders-unexpectedly-rise-may-2023-06-27/
Bond Basics: U.S. Agency Bonds: These investments are close enough to government bonds in terms of safety, but make sure you're aware of the risks.
kiplinger.com/article/investing/t052-c000-s001-u-s-agency-securities.html
Real estate prices grew again in May from the previous month as opportunistic buyers took advantage of a dip in mortgage rates during the month while competing ... Show more yhoo.it/3O9niS1
US Regulator Considers Limiting Big Banks’ Borrowing From Backstop Lender: US officials are considering limits on the ability of large lenders to use Federal ...
bloomberg.com/news/articles/2023-06-30/us-regulator-weighs-limiting-big-banks-borrowing-from-fhlbs
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