Most Experts Are Not Worried About a Recession

Written by Marathon Florida Keys Mortgage on November 20, 2025. Posted in Buying Tips, Economy, First-Time Buyers, For Buyers, Marathon FL Mortgage, Marathon Florida Keys Mortgage.

Homebuyers are watching the economy closely, and for good reason. Buying a home is one of the biggest purchases most people ever make. And some recession talk in the media has made a lot of would-be buyers second guess their plans. In the latest LendingTree survey, almost 2 in 3 Americans said they think a recession is coming. And 74% of respondents say that’s having an impact on their financial decisions. But here’s the good news: the experts aren’t nearly as concerned. Most Americans Expect a Recession, But Most Experts Don’t According to an October report from the Wall Street...

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What a Government Shutdown Really Means for the Housing Market

Written by Marathon Florida Keys Mortgage on November 6, 2025. Posted in Buying Tips, Economy, For Buyers, For Sellers, Marathon FL Mortgage, Marathon Florida Keys Mortgage, Selling Tips.

There’s been a lot of talk lately about how a government shutdown impacts the housing market. You might be wondering: Is it causing everything to grind to a halt? The short answer? No. The housing market doesn’t stop. It keeps moving. Homes are still being bought and sold, contracts are still being signed, and closings are still happening. The difference is that a few parts of the process may slow down a little, but overall, the market continues to function. Here’s What Typically Happens Whenever the government shuts down, some federal agencies temporarily close or scale back their...

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Is the Housing Market Going To Crash? Here’s What Experts Say

Written by Marathon Florida Keys Mortgage on October 20, 2025. Posted in Economy, For Buyers, For Sellers, Forecasts, Home Prices, Marathon FL Mortgage, Marathon Florida Keys Mortgage.

If you’ve seen headlines or social posts calling for a housing crash, it’s easy to wonder if home values are about to take a hit. But here’s the simple truth. The data doesn’t point to a crash. It points to slow, continued growth. And sure, it’s going to vary by local area. Some markets will see prices rise more than others. And some may even see small, short-term declines. But the big picture is: home prices are expected to rise nationally, not fall, over the next 5 years. The Real Story Is in the Expert Forecasts In the Home Price Expectations Survey (HPES) from Fannie Mae, each quarter...

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Why Experts Say Mortgage Rates Should Ease Over the Next Year

Written by Marathon Florida Keys Mortgage on October 6, 2025. Posted in Affordability, Economy, First-Time Buyers, For Buyers, For Sellers, Marathon FL Mortgage, Marathon Florida Keys Mortgage, Mortgage Rates.

You want mortgage rates to fall – and they’ve started to. But is it going to last? And how low will they go? Experts say there’s room for rates to come down even more over the next year. And one of the leading indicators to watch is the 10-year treasury yield. Here’s why. The Link Between Mortgage Rates and the 10-Year Treasury Yield For over 50 years, the 30-year fixed mortgage rate has closely followed the movement of the 10-year treasury yield, which is a widely watched benchmark for long-term interest rates (see graph below): When the treasury yield climbs, mortgage rates...

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What a Fed Rate Cut Could Mean for Mortgage Rates

Written by Marathon Florida Keys Mortgage on September 15, 2025. Posted in Affordability, Economy, For Buyers, Marathon FL Mortgage, Marathon Florida Keys Mortgage, Mortgage Rates.

The Federal Reserve (the Fed) meets this week, and expectations are high that they’ll cut the Federal Funds Rate. But does that mean mortgage rates will drop? Let’s clear up the confusion. The Fed Doesn’t Directly Set Mortgage Rates Right now, all eyes are on the Fed. Most economists expect they’ll cut the Federal Funds Rate at their mid-September meeting to try to head off a potential recession. According to the CME FedWatch Tool, markets are already betting on it. There’s virtually a 100% chance of a September cut. And based on what we know now, there’s about a 92% chance it’ll be...

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Mortgage Rates Just Saw Their Biggest Drop in a Year

Written by Marathon Florida Keys Mortgage on September 10, 2025. Posted in Affordability, Economy, First-Time Buyers, For Buyers, Marathon FL Mortgage, Marathon Florida Keys Mortgage, Mortgage Rates.

You’ve been waiting for what feels like forever for mortgage rates to finally budge. And last week, they did – in a big way. On Friday, September 5th, the average 30-year fixed mortgage rate fell to the lowest level since October 2024. It was the biggest one-day decline in over a year. What Sparked the Drop? According to Mortgage News Daily, this was a reaction to the August jobs report, which came out weaker-than-expected for a second month in a row. That sent signals across the financial markets, and then mortgage rates came down as a result. Basically, we’re seeing signs the...

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What Mortgage Delinquencies Tell Us About the Future of Foreclosures

Written by Marathon Florida Keys Mortgage on September 3, 2025. Posted in Economy, For Buyers, For Sellers, Foreclosures, Marathon FL Mortgage, Marathon Florida Keys Mortgage.

You may be seeing headlines about how foreclosures are rising. And if that makes you nervous that we’re headed for another crash, here’s what you should know. According to ATTOM, during the housing crash, over nine million people went through some sort of distressed sale (2007-2011). Last year, there were just over 300,000. So, even with the increase lately, we’re talking about numbers that are dramatically lower. But what does the future hold? Is a wave coming? The short answer is, no. Here’s why. Experts in the industry look at mortgage delinquencies (loans that are more than 30 days...

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History Shows the Housing Market Always Recovers

Written by Marathon Florida Keys Mortgage on August 27, 2025. Posted in Economy, For Sellers, Forecasts, Marathon FL Mortgage, Marathon Florida Keys Mortgage, Selling Tips.

Now that the market is slowing down, homeowners who haven’t sold at the price they were hoping for are increasingly pulling their homes off the market. According to the latest data from Realtor.com, the number of homeowners taking their homes off the market is up 38% since the start of this year and 48% since the same time last June. For every 100 new listings in June, about 21 homes were taken off the market. And if you’ve made that same choice, you’re probably frustrated things didn’t go the way you wanted. It’s hard when you feel like the market isn’t working with you. But while...

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Think It’s Better To Wait for a Recession Before You Move? Think Again.

Written by Marathon Florida Keys Mortgage on June 25, 2025. Posted in Economy, For Buyers, For Sellers, Marathon FL Mortgage, Marathon Florida Keys Mortgage.

Fear of a recession is back in the headlines. And if you’re thinking about buying or selling sometime soon, that may leave you wondering if you should reconsider the timing of your move. A recent survey by John Burns Research and Consulting (JBREC) and Keeping Current Matters (KCM) shows 68% of people are delaying plans to buy or sell due to economic uncertainty. But it may not be for the reason you think. Not everyone is holding off because they’re worried. Some buyers are waiting because they’re hopeful. According to Realtor.com: “In 2025Q1, 3 in 10 (29.8% of) surveyed homebuyers said a...

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Why Buying Real Estate Is Still the Best Long-Term Investment

Written by Marathon Florida Keys Mortgage on June 3, 2025. Posted in Economy, For Buyers, Marathon FL Mortgage, Marathon Florida Keys Mortgage.

Lately, it feels like every headline about the housing market comes with a side of doubt. Are prices going up or down? Are we headed for a crash? Will rates ever come down? And all the media noise may leave you wondering: does it really make sense to buy a home right now? But here’s one thing that doesn’t get enough airtime. Real estate has always been about the long game. And when you look at the big picture, not just the latest clickbait headlines, it’s easy to see why so many people say it’s still the best investment you can make – even now. According to the just-released annual report...

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Real Estate Is Voted the Best Long-Term Investment 12 Years in a Row

Written by Marathon Florida Keys Mortgage on May 23, 2025. Posted in Economy, Infographics, Marathon FL Mortgage, Marathon Florida Keys Mortgage.

Some Highlights In a recent poll from Gallup, real estate has once again been voted the best long-term investment. And it’s claimed that top spot for 12 straight years now. That’s because homeownership is one of the top ways to build your wealth, even with home price growth moderating and ongoing economic uncertainty. If you’ve been trying to decide if it makes sense to buy a home today, connect with an agent to talk about the programs that can help you become a homeowner.

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Stocks May Be Volatile, but Home Values Aren’t

Written by Marathon Florida Keys Mortgage on May 6, 2025. Posted in Economy, Home Prices, Marathon FL Mortgage, Marathon Florida Keys Mortgage.

With all the uncertainty in the economy, the stock market has been bouncing around more than usual. And if you’ve been watching your 401(k) or investments lately, chances are you’ve felt that pit in your stomach. One day it’s up. The next day, it’s not. And that may make you feel a little worried about your finances. But here’s the thing you need to remember if you’re a homeowner. According to Investopedia: “Traditionally, stocks have been far more volatile than real estate. That’s not to say that real estate prices aren’t ever volatile—the years around the 2007 to 2008...

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What an Economic Slowdown Could Mean for the Housing Market

Written by Marathon Florida Keys Mortgage on May 1, 2025. Posted in Economy, For Buyers, Home Prices, Marathon FL Mortgage, Marathon Florida Keys Mortgage, Mortgage Rates.

Talk about the economy is all over the news, and the odds of a recession are rising this year. That’s leaving a lot of people wondering what it means for the value of their home – and their buying power. Let’s take a look at some historical data to show what’s happened in the housing market during each recession, going all the way back to the 1980s. The facts may surprise you. A Recession Doesn’t Mean Home Prices Will Fall Many people think that if a recession hits, home prices will fall like they did in 2008. But that was an exception, not the rule. It was the only time the market saw...

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Why Today’s Foreclosure Numbers Aren’t a Warning Sign

Written by Marathon Florida Keys Mortgage on April 29, 2025. Posted in Economy, Foreclosures, Marathon FL Mortgage, Marathon Florida Keys Mortgage.

When it feels like the cost of just about everything is rising, it’s only natural to wonder what that means for the housing market. Some people are even questioning whether more homeowners will struggle to make their mortgage payments, ultimately leading to a wave of foreclosures. And recent data showing foreclosure filings have increased is only feeding into this fear. But don’t let that scare you. If you put the latest data into context, it’s clear there’s no reason to think this is a repeat of the last housing crash. This Isn’t Like 2008 While it’s true that foreclosure filings ticked...

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Do You Think the Housing Market’s About To Crash? Read This First

Written by Marathon Florida Keys Mortgage on April 16, 2025. Posted in Economy, Home Prices, Inventory, Marathon FL Mortgage, Marathon Florida Keys Mortgage.

Lately, it feels like a lot of people have been asking the same question: “Is the housing market about to crash?” If you’ve been scrolling through social media or watching the news, you might have seen some pretty scary headlines yourself. That’s why it’s no surprise that, according to data from Clever Real Estate, 70% of Americans are worried about a housing crash in 2025. But before you hit pause on your plans to buy or sell a home, take a deep breath. The truth is: the housing market isn’t about to crash – it’s just shifting. And that shift actually works in your favor. Today’s...

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A Recession Doesn’t Mean a Housing Crisis

Written by Marathon Florida Keys Mortgage on April 11, 2025. Posted in Economy, Infographics, Marathon FL Mortgage, Marathon Florida Keys Mortgage, Mortgage Rates.

Some Highlights There’s a lot of talk about a recession lately and how the odds of one are rising. If you’re wondering what that means for the housing market, here’s what the data tells us. While you may remember the price crash in 2008, that’s not the norm. Looking back all the way to 1980, home prices usually rise and mortgage rates tend to fall. If you have questions about buying or selling a home in today’s market, connect with a real estate agent.

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Does Your Current Home Fit Your Retirement Plans?

Written by Marathon Florida Keys Mortgage on April 9, 2025. Posted in Downsize, Economy, Marathon FL Mortgage, Marathon Florida Keys Mortgage.

Retirement isn’t just a milestone. It’s the beginning of something really special. After years of hard work, it’s finally time to slow down, explore new passions, and live life on your own terms. But with this exciting chapter comes some big choices. And one of the biggest is this: does your current home still make sense for the lifestyle (and budget) you want in this next phase of life? That’s an especially important question right now. Just in the past five years, the cost of living has jumped by 23% according to the Bureau of Labor Statistics (BLS). That’s based on the Consumer...

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Is It Time To Put Your House Back on the Market?

Written by Marathon Florida Keys Mortgage on March 18, 2025. Posted in Economy, For Sellers, Marathon FL Mortgage, Marathon Florida Keys Mortgage, Selling Tips.

If you took your house off the market in late 2024, you’re not the only one. Newsweek reports that data from CoreLogic and the Wall Street Journal (WSJ) says nearly 73,000 homes were pulled from the market in December alone – that’s more than any other December going all the way back to 2017 (see graph below): Whether it was because offers weren’t coming in, the timing around the holidays felt overwhelming, or they wanted to see if the market would improve in the new year – a lot of other homeowners decided to press pause, too. But now, with spring fast approaching, it’s time to...

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Investors Are Not Buying Up All the Homes

Written by Marathon Florida Keys Mortgage on November 29, 2024. Posted in Economy, For Buyers, Infographics, Marathon FL Mortgage, Marathon Florida Keys Mortgage.

Some Highlights There’s a misconception Wall Street is buying all the homes on the market. But data proves that isn’t true.? Experts agree the share of homes bought by investors is declining – and most are smaller investors, like your neighbor who owns a second home, not Wall Street. No matter what you’ve heard, the majority of homes are still being purchased by everyday homebuyers like you – not big investors. Connect with an agent if you have questions.?

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What’s Behind Today’s Mortgage Rate Volatility?

Written by Marathon Florida Keys Mortgage on November 20, 2024. Posted in Agent Value, Economy, Marathon FL Mortgage, Marathon Florida Keys Mortgage, Mortgage Rates.

If you’ve been keeping an eye on mortgage rates lately, you might feel like you’re on a roller coaster ride. One day rates are up; the next they dip down a bit. So, what’s driving this constant change? Let’s dive into just a few of the major reasons why we’re seeing so much volatility, and what it means for you. The Market’s Reaction to the Election A significant factor causing fluctuations in mortgage rates is the general reaction to the political landscape. Election seasons often bring uncertainty to financial markets, and this one is no different. Markets tend to respond not only to who...

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Is Wall Street Really Buying All the Homes?

Written by Marathon Florida Keys Mortgage on November 19, 2024. Posted in Economy, For Buyers, Marathon FL Mortgage, Marathon Florida Keys Mortgage.

Let’s be real – buying a home right now is tough. You’re scrolling through listings, rushing to open houses, and maybe even losing out to more competitive offers. Somewhere along the way, you might’ve heard the reason it’s so hard to find a home is because big Wall Street investors are swooping in and snatching up everything in sight. But here’s the thing: that’s mostly a myth. While investors are part of the market, according to Redfin, they’re a relatively small part: Here’s what that means. Five out of every six homes are being purchased by everyday homebuyers like you – not big...

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What To Look For From This Week’s Fed Meeting

Written by Marathon Florida Keys Mortgage on November 6, 2024. Posted in Economy, Marathon FL Mortgage, Marathon Florida Keys Mortgage, Mortgage Rates.

You may be hearing a lot of talk about the Federal Reserve (the Fed) and how their actions will impact the housing market right now. Here’s why. The Fed meets again this week to decide the next step with the Federal Funds Rate. That’s how much it costs banks to borrow from each other. Now, that’s not the same thing as setting mortgage rates, but mortgage rates can be influenced through this process. And if you’re thinking about buying or selling a home, you may be wondering about the downstream impact and when mortgage rates will come down. Here’s a quick rundown of what you need to...

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Category: Economy