Top Quality and Affordable Homes
National |
Average Rate* |
| 30-Year FHA Rate | 5.26% |
| 30-Year Fixed Rate | 5.58% |
| 20-Year Fixed Rate | 6.75% |
| 15-Year Fixed Rate | 4.93% |
| * Conforming FNMA Loan Amount. Rates may include points. | |
Information updated: 4/19/2026
The Silver Tsunami Isn’t Landing Where It’s Needed Most
The “silver tsunami” refers to the wave of housing inventory expected as older homeowners downsize or transition out of their homes. According to the latest American Community Survey, there are an estimated 61.2 million people in the U.S. aged 65 years or older, representing about 18% of the population. This cohort, which includes the Boomer […]State-Level Employment Situation: February 2026
February’s labor market data point to a notable pullback in employment, with job losses concentrated across a majority of states and only modest gains elsewhere. While January showed solid momentum, February’s decline reflects emerging softness in hiring conditions, alongside uneven performance across the country. In February, nonfarm payroll employment increased in 14 states compared to […]Population Growth and Housing Supply Dynamics at the County Level in 2025
U.S. population growth slowed notably in the latest Vintage 2025 population estimates from the U.S. Census Bureau, with the nation expanding by just 0.5% in 20251, roughly half the pace of the prior year. The deceleration was primarily driven by a sharp decline in net international migration (NIM), which dropped from 2.7 million to 1.3 […]Construction Workforce Shifts: Fewer Tradesmen, More White-Collar Jobs
The long-running shift in the construction labor force away from construction trades and toward management, business, and technical roles is ongoing and gaining momentum, according to NAHB’s analysis of the latest 2024 data from the American Community Survey (ACS). Although total industry employment now slightly exceeds the levels reached during the 2005–2006 housing boom, the […]Count of Second Homes Declines in 2024
In 2024, the number of second homes in the U.S. was 6.2 million, accounting for 4.3% of the nation’s housing stock, according to NAHB estimates. This reflects a modest decline from 2022, when the number reached 6.5 million. This decline suggests some cooling following the pandemic-era surge in second home demand. Despite the recent decline, […]Orange County, Riverside County, San Bernardino County, Los Angeles County, San Diego Real Estate!
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