Housing Market Challenges - Housing supply is low [1] - Many people have very low mortgage rates from the pandemic period, making it expensive to move [1][2] - The country hasn't built enough housing for a long time, leading to a housing shortage [2] - A 25 basis point (0.25%) decline in the federal funds rate may not significantly impact the housing market [1] Structural Issues - The industry lacks the tools to address a secular or structural housing shortage beyond adjusting interest rates [2] - The industry needs more housing of different kinds [2]

Bloomberg reporters break down how debt collection firms are cashing in on "zombie mortgages," long-dormant second mortgages.Watch the full story https://t.co/UQaFbAkZ29 https://t.co/5rIXvB4O3q ...

Homebuyers wrestle to keep up with the rising costs of goods and services, resulting in the foreclosure of homes. Mortgages and lenders repossessed 3,872 U.S. properties in October, a 32% increase from the same period last year.Read more: https://t.co/4wZtidgCtc https://t.co/3LLXGp3ld0 ...

Regulatory Changes - Australia's banking regulator tightened rules on bank lending for mortgages [1] - The move aims to preemptively contain emerging risks from highly leveraged borrowers [1] Market Risk - Highly leveraged borrowers could cause vulnerabilities in the housing market [1]

The availability of mortgages in America, as measured by lenders’ appetite for risk, is at its lowest in decades. The collapse in credit has two main causes https://t.co/7gJkFH0jwK ...

Market Trends - US property foreclosures increased by 32% in October compared to the same period last year [1] - 3,872 US properties were repossessed by mortgages and lenders in October [1] Economic Factors - Rising costs of goods and services contribute to homebuyers' struggles and home foreclosures [1]

Industry Trend - Mortgages have historically fueled the American dream through federal government subsidies [1] - The fuel for mortgages is currently running low [1]

Family opportunity mortgages are conventional mortgages with expanded guidelines that help borrowers buy homes for a disabled adult child or elderly parent. https://t.co/OHKoJGV2Eb ...

Homebuyers wrestle to keep up with the rising costs of goods and services, resulting in the foreclosure of homes. Mortgages and lenders repossessed 3,872 U.S. properties in October, a 32% increase from the same period last year.Read more: https://t.co/4wZtidgCtc https://t.co/olUt0zc6Fe ...

Market Trends - US property foreclosures increased by 32% in October compared to the same period last year [1] - 3,872 US properties were repossessed by mortgages and lenders in October [1]