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Why Falling Home Prices Aren’t Necessary for Housing Affordability to Get Worse

When housing affordability deteriorates, most people expect the cause to be obvious. Home prices must be rising. That seems logical. If houses become more expensive while...

Why Home Equity Is Losing Some of Its Financial Advantage When Insurance Costs Rise

For years, rising home equity has been one of the clearest financial benefits of owning a home. A homeowner buys a property, pays down the...

Why Rising Insurance Costs Could Change Which Homes Buyers Consider Affordable

For years, homebuyers have been taught to begin their search with a few familiar numbers. The purchase price. The down payment. The mortgage rate. And the estimated monthly...

Why a More Buyer Friendly Housing Market Doesn’t Necessarily Mean Homes Are More Affordable

The U.S. housing market is becoming more buyer friendly in several important ways. There are more homes available than there were a year ago. Properties...

Why the HELOC Boom Could Change How Americans Think About Home Equity

For decades, home equity was treated as the quiet part of homeownership. You bought a house, made your mortgage payments, watched the property appreciate and...

Why Homeowners Are Renovating Instead of Moving and What That Means for Household Debt

For years, moving was the natural solution when a home stopped fitting a household's needs. A growing family could move into a larger house. A...

How Mortgage Rate Volatility Is Changing Homebuying Decisions

For years, homebuyers have been taught to focus on one number when evaluating a mortgage: the interest rate. But in a market where mortgage rates...

Why Homeowners Shouldn’t Treat a HELOC as a Solution to Permanent Cost Increases

For homeowners with substantial equity, a home equity line of credit can feel like one of the most useful financial tools available. A HELOC can...

The New Homeownership Risk: When Your House Is Valuable but Increasingly Expensive to Insure

For decades, homeowners have generally viewed rising property values as good news. A home worth more than it was purchased for can mean greater net...

Why Insurance Is Becoming a Bigger Part of the Homeownership Financial Equation

For years, homeowners largely viewed insurance as a background expense. It was necessary. It appeared on the annual budget. Mortgage lenders required it. But compared...

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