November 2025 | Mortgage Insights | Presented by ReadySetLoan™️ The Return of a Risky Loan Type As mortgage rates remain elevated, many buyers are turning again to adjustable-rate mortgages (ARMs) to reduce initial costs. These loan products were once at the center of the housing collapse, but are now making a comeback. ARMs offer lower starting rates, typically for a fixed period, before adjusting based on short-term interest rates. For borrowers looking to minimize monthly

October 2025 | Rate Forecasts & Affordability | Presented by ReadySetLoan™️ The Forecast Isn’t as Relaxed as Some Hoped Despite recent dips in mortgage rates, the outlook from housing finance forecasts remains cautious. The latest projections put the 30-year fixed mortgage rate at about 6.3% by year-end , slightly above recent averages and suggesting no quick drop below 6% in 2025. Although there is optimism for next year, with projections tracking closer to 5.9% by the end o

October 2025 | Market & Affordability Insights | Presented by ReadySetLoan™️ The Rising Cost of Innovation The rapid expansion of artificial-intelligence infrastructure is bringing unseen pressure to housing budgets. Data centers that power AI systems demand enormous power loads, which drive up electricity demand—and as supply struggles to keep pace, utility rates are rising across the many regions connected to the same grid. That means monthly utility bills are becoming less

October 2025 | Economic Perspective | Presented by ReadySetLoan™️ From Farmhands to Professionals Two and a half centuries ago, the average American worker was farming, forging, or crafting goods by hand. Today, they’re analyzing data, managing teams, and leading digital innovation. Across 250 years, the U.S. workforce has evolved from agricultural grit to professional precision — trading physical endurance for mental agility, and local production for global collaboration. Th

October 2025 | Market Migration | Presented by ReadySetLoan™️ A Tale of Two Markets The line between New York City and Connecticut real estate keeps blurring. As high-income professionals trade city skyline views for suburban breathing room, Fairfield County has become one of the most sought-after relocation zones in the Northeast. After years of remote and hybrid work reshaping buyer behavior, the trend has evolved from temporary movement to permanent migration. What started

October 2025 | Market Insights | Presented by ReadySetLoan™️ A New Level of Luxury Connecticut’s luxury market is rewriting the record books. For the first time, seven Connecticut ZIP codes  now rank among the most expensive in the nation  — and every single one of them lies within Fairfield County . These elite pockets represent some of the most desirable communities in the Northeast, defined by high-end amenities, coastal access, and a deep bench of cash buyers. Here’s wher

October 2025 | Market Trends | Presented by ReadySetLoan™️ What the Numbers Show A new wave of growth is reshaping the U.S. housing map — and while Connecticut isn’t on the list of the nation’s top 50 fastest-growing counties, the lessons are crystal clear. Population growth continues to accelerate across key regions, led by affordability, job opportunities, and lifestyle appeal. These migration patterns are transforming once-affordable markets into bustling housing hubs. And

October 2025 | First-Time Buyer Trends | Presented by ReadySetLoan™️ What’s Going On Despite some of the toughest affordability pressures in decades, next-up buyers born between 1997 and 2012 aren’t walking away from the dream of owning a home. According to recent data, they’re simply adapting. Key findings: Many Gen Zers list career advancement as their first milestone , ahead of buying a home, getting married, or having children. About 51%  say they’re “highly concerned” ab

October 2025 | Market Pulse | Presented by ReadySetLoan™️ What’s Changing — With a Local Twist After several months of improving housing...

September 6, 2025 | Housing Market Trends | Presented by ReadySetLoan™️ Home prices have defied gravity for years. But now, the market...