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3 days ago

Housing Affordability Dips Below Historical Norms Across the U.S. in Early 2026 A recent report reveals that 97% of U.S. counties face lower home affordability than past norms. Wage growth barely keeps pace with rising home prices.

Housing Affordability Dips Below Historical Norms Across the U.S. in Early 2026 #United_States #Irvine #Real_Estate #ATTOM #Home_Affordability

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1 week ago

Home Flipping Profits Drop to Lowest Levels Since the Great Recession Home flipping has reached a troubling low in 2025, with profits dipping significantly as investors struggle in a high-cost environment and fierce competition.

Home Flipping Profits Drop to Lowest Levels Since the Great Recession #USA #Irvine #Real_Estate #ATTOM #Home_Flipping

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2 weeks ago

Foreclosure Activity Continues to Rise Gradually in February 2026, Marking Important Trends The latest ATTOM report reveals a significant rise in foreclosure activity, marking the twelfth consecutive month of increases, with notable data from various states.

Foreclosure Activity Continues to Rise Gradually in February 2026, Marking Important Trends #USA #Irvine #Real_Estate #ATTOM #foreclosure

Thiard News@F4F

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3 weeks ago

Residential Rental Yield Declines Nationwide: Key Insights for 2026 A new report reveals that single-family rental returns are falling across many U.S. counties, with rental growth struggling against soaring home prices. Explore the implications.

Residential Rental Yield Declines Nationwide: Key Insights for 2026 #Real_Estate #ATTOM #Rental_Market

Thiard News@F4F

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1 month ago

Refinancing Leads to a Robust Fourth Quarter in Home Lending for 2025 The fourth quarter of 2025 witnessed a notable shift in home lending as refinancing took the lead over new purchases, driven by declining mortgage rates.

Refinancing Leads to a Robust Fourth Quarter in Home Lending for 2025 #USA #Irvine #ATTOM #refinancing #Home_Lending

Thiard News@F4F

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1 month ago

Foreclosure Activity in the U.S. Continues to Rise, Marking the Eleventh Straight Month of Increase Foreclosure activity has increased for the eleventh consecutive month, signaling ongoing challenges in the U.S. housing market. Recent data reveals alarming trends in foreclosure initiations and completions.

Foreclosure Activity in the U.S. Continues to Rise, Marking the Eleventh Straight Month of Increase #USA #Irvine #Real_Estate #ATTOM #Foreclosure_Data

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1 month ago

Opportunity Zones Experience Significant Home Price Growth Over Past Year A recent report reveals that nearly 31% of Opportunity Zones have seen home prices rise by double digits, signaling a growing trend in these areas.

Opportunity Zones Experience Significant Home Price Growth Over Past Year #United_States #Irvine #Home_Prices #ATTOM #Opportunity_Zones

Thiard News@F4F

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1 month ago

U.S. Homeowner Equity Slightly Declines Amidst Stable Underwater Rates as of Q4 2025 In Q4 2025, U.S. homeowner equity eased slightly while seriously underwater rates remained historically low, indicating a stabilized housing market.

U.S. Homeowner Equity Slightly Declines Amidst Stable Underwater Rates as of Q4 2025 #United_States #Irvine #Housing_Market #ATTOM #Homeowner_Equity

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1 month ago

Praxis Solutions and ATTOM's New Partnership Enhances AI in Property Data Management Praxis Solutions collaborates with ATTOM to leverage AI in enhancing property data offerings, providing innovative solutions for real estate analytics.

Praxis Solutions and ATTOM's New Partnership Enhances AI in Property Data Management #United_States #San_Diego #Praxis_Solutions #ATTOM #property_data

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2 months ago

ATTOM Enhances AI and Cloud Data Solutions with MCP Server and Databricks Integration ATTOM has launched the MCP Server to streamline AI access to property data and introduced Databricks delivery for improved cloud-based data solutions. This expansion enhances analytics workflows and property data accessibility.

ATTOM Enhances AI and Cloud Data Solutions with MCP Server and Databricks Integration #United_States #Irvine #Databricks #ATTOM #MCP_Server

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2 months ago

Record Highs in U.S. Home Prices Amidst Growing Affordability Issues The U.S. housing market reached a new pinnacle in 2025, with homes selling at an average price of $360,000, despite increasing affordability challenges for buyers.

Record Highs in U.S. Home Prices Amidst Growing Affordability Issues #United_States #Irvine #Real_Estate #ATTOM #Home_Sales

Thiard News@F4F

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2 months ago

Rising Home Prices Challenge Affordable Ownership in US Markets ATTOM's 2026 Rental Affordability Report reveals that while buying a home is often cheaper than renting in many counties, skyrocketing home prices complicate the process.

Rising Home Prices Challenge Affordable Ownership in US Markets #United_States #Irvine #Home_Prices #ATTOM #Rental_Affordability

Thiard News@F4F

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2 months ago

ATTOM's Strategic Acquisition of ResiShares Enhances Data Analytics Platform ATTOM has acquired ResiShares' assets, boosting its analytics platform significantly. This merger strengthens ATTOM's capabilities in AI-driven data for real estate.

ATTOM's Strategic Acquisition of ResiShares Enhances Data Analytics Platform #USA #Irvine #Real_Estate #ATTOM #ResiShares

Thiard News@F4F

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2 months ago

U.S. Foreclosure Trends: Activity Surges in 2025 Amid Market Evolution ATTOM's Year-End Report reveals a 14% rise in U.S. foreclosure activity in 2025, indicating a shift toward normalization post-pandemic.

U.S. Foreclosure Trends: Activity Surges in 2025 Amid Market Evolution #United_States #Irvine #Real_Estate #ATTOM #foreclosure

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2 months ago

Home Affordability Struggles: A Closer Look at the Fourth Quarter 2025 Trends The latest report reveals that home affordability remains a critical issue in the U.S., despite modest improvements in the fourth quarter of 2025.

Home Affordability Struggles: A Closer Look at the Fourth Quarter 2025 Trends #United_States #Irvine #Real_Estate #ATTOM #Home_Affordability

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3 months ago

Home Flipping Profitability Faces Significant Decline in 2025 as ROI Drops Below 25% The latest report indicates a worrying trend for home flipping as ROI dips below 25% for the first time since 2008. Profits fall as the market shifts.

Home Flipping Profitability Faces Significant Decline in 2025 as ROI Drops Below 25% #United_States #Irvine #ATTOM #ROI #Home_Flipping

Thiard News@F4F

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4 months ago

U.S. Mortgage Origination Trends in Q3 2025 Reveal Mixed Results The U.S. mortgage origination report for Q3 2025 shows a slight decline in purchase loans, while refinance activities showed modest growth. Explore the implications.

U.S. Mortgage Origination Trends in Q3 2025 Reveal Mixed Results #United_States #Irvine #ATTOM #refinancing #mortgage_data

Thiard News@F4F

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4 months ago

U.S. Foreclosure Activity Continues to Rise for Eighth Month in a Row Foreclosure filings in the U.S. have increased for the eighth consecutive month, signaling a concerning trend in housing markets across several states.

U.S. Foreclosure Activity Continues to Rise for Eighth Month in a Row #United_States #Irvine #ATTOM #U.S._Housing #Foreclosure_Trends

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4 months ago

Discover the Optimal Days for Home Purchases with ATTOM's Latest Analysis ATTOM's new analysis reveals the best days, including December 24th, to buy a home, showcasing significant savings and market insights.

Discover the Optimal Days for Home Purchases with ATTOM's Latest Analysis #United_States #Irvine #Real_Estate #home_buying #ATTOM

Thiard News@F4F

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4 months ago

Opportunity Zone Home Prices Rise Steadily in Q3 2025, Matching National Trends In the third quarter of 2025, home prices in Opportunity Zones experienced growth comparable to the national average, signaling a positive shift in these areas.

Opportunity Zone Home Prices Rise Steadily in Q3 2025, Matching National Trends #USA #Irvine #Home_Prices #ATTOM #Opportunity_Zones

Thiard News@F4F

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5 months ago

Decline in Home Equity Rates Signals Housing Market Stabilization in Q3 2025 In the third quarter of 2025, home equity rates showed a downward trend, with fewer equity-rich homes reported, despite rising median prices.

Decline in Home Equity Rates Signals Housing Market Stabilization in Q3 2025 #USA #Irvine #Real_Estate #Home_Equity #ATTOM

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5 months ago

U.S. Home Sale Profits Surge to Nearly 50 Percent in Q3 2025 The U.S. home sales report highlights a near 50% profit margin for sellers in Q3 2025, showcasing resilient market dynamics as prices rise and profits stabilize.

U.S. Home Sale Profits Surge to Nearly 50 Percent in Q3 2025 #United_States #Irvine #Real_Estate #ATTOM #Home_Sales

Thiard News@F4F

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5 months ago

ATTOM's Transparent Owner: A Revolutionary Tool for Understanding Property Ownership ATTOM introduces Transparent Owner, a groundbreaking data product that reveals the actual owners of properties, simplifying the complexities of current ownership structures.

ATTOM's Transparent Owner: A Revolutionary Tool for Understanding Property Ownership #United_States #Irvine #ATTOM #property_data #Transparent_Owner

Thiard News@F4F

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6 months ago

Record High Home Prices Create Unaffordability Crisis Across U.S. Counties ATTOM's latest report reveals that home affordability is at a record low in 99% of U.S. counties, as prices soar to historic highs despite falling mortgage rates.

Record High Home Prices Create Unaffordability Crisis Across U.S. Counties #United_States #Irvine #Real_Estate #ATTOM #Home_Affordability

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6 months ago

Home Flipping Profit Margins Plummet to Lowest in 17 Years During Q2 2025 ATTOM's latest report reveals home flipping profit margins hit a staggering 17-year low in the second quarter of 2025, raising concerns among investors.

Home Flipping Profit Margins Plummet to Lowest in 17 Years During Q2 2025 #USA #Irvine #Real_Estate #ATTOM #Home_Flipping

Thiard News@F4F

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6 months ago

Southern States Dominate the List of Riskiest U.S. Housing Markets in Q2 2025 The latest ATTOM report reveals that Southern states lead the riskiest housing markets in the US, driven by high home prices and foreclosures.

Southern States Dominate the List of Riskiest U.S. Housing Markets in Q2 2025 #United_States #Irvine #Housing_Market #ATTOM #Foreclosures

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7 months ago

U.S. Residential Mortgage Activity Sees Significant Growth in Q2 2025 The latest data reveals a notable 19.4% rise in U.S. residential mortgage origination for Q2 2025, indicating seasonal momentum amid economic uncertainty.

U.S. Residential Mortgage Activity Sees Significant Growth in Q2 2025 #United_States #Irvine #ATTOM #Q2_2025 #Mortgage_Origination

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7 months ago

Zombie Foreclosures Rise Slightly Amidsteadily Low U.S. Vacancy Rates In the third quarter of 2025, zombie foreclosures increase slightly even as the national home vacancy rate remains stable at 1.3%.

Zombie Foreclosures Rise Slightly Amidsteadily Low U.S. Vacancy Rates #United_States #Irvine #Real_Estate #ATTOM #foreclosure

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7 months ago

U.S. Sees Significant 13% Yearly Increase in Foreclosure Activity in July 2025 In July 2025, the U.S. experienced a 13% rise in foreclosure activity year-over-year, marking a continuing trend of increasing housing pressure.

U.S. Sees Significant 13% Yearly Increase in Foreclosure Activity in July 2025 #United_States #Irvine #Real_Estate #ATTOM #Foreclosure_Activity

CySecurity News

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7 months ago

Rising Underwater Mortgages Signal Strain in Florida and Texas Property Markets   A growing number of American homebuyers are turning to adjustable-rate mortgages (ARMs) and temporary buydowns as a way of easing the initial repayment burden when they are faced with persistently high interest rates. This is a new report from ICE Mortgage Technology that indicates more than 8% of borrowers will be using these financing structures by 2025, which indicates that there is a growing reliance on tools designed to lower payments during the first years of a loan.  Even though these products have been popular among consumers as a way of navigating affordability challenges in a high-cost borrowing environment, the report cautions that they pose inherent risks, particularly since interest rate adjustments and buydown periods could significantly increase future repayment obligations if these products are not properly handled. According to the latest U.S. Home Equity & Underwater Report from ATTOM released in Q1 2025, homeowner equity across the country is not the same.  In the first quarter, 46.2% of mortgaged residential properties were categorised as equity-rich, which indicates that the total loan balance secured by those homes did not exceed half of the market value of those homes. It is estimated that the share of the market has fallen steadily since it peaked at 49.2 per cent in the second quarter of last year—disappearing from 47.7 per cent in the final quarter of 2024—but still stands at about twice what it was in early 2020.  The CEO of ATOM, Rob Barber, said that seasonal trends suggest the early-year dip is not uncommon. Historically, the first quarter marks the lowest point in equity-rich proportions before they rebound back to normal in the spring. Additionally, according to the report, there has been a modest increase in financial strain.  The share of properties with seriously underwater mortgages—where debt exceeds the value of the property by at least 25 per cent—has increased from 2.5 per cent in late 2024 to 2.8 per cent in the first quarter of 2025. In the past year, new research has indicated that negative equity is becoming more prevalent, especially among those who purchased their home during the height of the pandemic-driven housing boom, indicating that negative equity is becoming more prevalent in the area.  In spite of the modest increase in these cases nationwide, certain Sunbelt markets are experiencing much steeper rises. According to Intercontinental Exchange figures, Cape Coral, Florida, has the highest number of underwater mortgages, with 7.8% of homes, followed by Lakeland at 4.4 per cent, San Antonio at 4.3per centt, Austin at 4.2, and North Port at 3.8.  Analysts report that these markets, which have seen some of the fastest price growth in recent years, are now experiencing the sharpest hofusing market corrections in their history. According to the ICE Home Price Index, home prices have been growing at a slower rate as of early June than they have in years past, with nearly one-third of the largest U.S. housing markets experiencing price declines of at least one percentage point from recent highs.  Even though this cooling might theoretically ease affordability pressures, ICE warns that it may hurt the equity positions of recent buyers, especially those who obtained low-down-payment financing through the FHA or VA system. Based on the firm's data, one out of every four seriously delinquent loans would become negatively impacted if sold at distressed prices. It is already evident that certain markets are experiencing the impact of a declining economy.  For example, 27 per cent of mortgages originated in Cape Coral, Florida, in 2023 and 2024 are underwater, while 18 per cent of mortgages originated in Austin, Texas, are underwater. Andy Walden, who heads ICE's mortgage and housing market research, believes that borrowers with a limited amount of equity-especially those who just purchased a house recently-are the most likely to be affected by the drop in home prices.  A second source of stress was the return of federal student loan payments and collections in May, according to ICE. A study from ICE McDash and TransUnion revealed that almost 20 per cent of mortgage holders also have student loan debt, a figure which rises to almost 30 per cent for FHA borrowers.  According to a study, students who have fallen behind on their student loans were four times more likely to fall behind on their mortgage payments, which emphasises the compounding effect student debt has on housing instability. The most vulnerable homeowners are those with mortgages with a low down payment, such as those with FHA and VA loans.  It has been estimated that nearly three-quarters of all underwater loans in recent years are backed by government-backed products, which were widely used during the housing boom by first-time and moderate-income buyers. This represents the entire increase in mortgage delinquencies over the past year, according to ICE.  While negative equity is still a significant limitation for homeowners today because the lending environment is much stricter than it was before the 2008 housing crash, thereby reducing the likelihood of a foreclosure wave, negative equity still carries significant limitations on the market today. There is a possibility that it will lock owners in place, preventing them from selling or refinancing their homes, and while many will continue to make payments without immediate hardship, further price decreases or a weakening job market can only lead to increased financial difficulties.  According to Redfin economist Chen Zhao, by the end of the year, the national home price will drop about 1 peper suggesting that there may be a continued increase in underwater cases. A study from ICE McDash and TransUnion revealed that almost 20 per cent of mortgage holders also have student loan debt, a figure which rises to almost 30 per cent for FHA borrowers.  According to a study, students who have fallen behind on their student loans were four times more likely to fall behind on their mortgage payments, which emphasises the compounding effect student debt has on housing instability. The most vulnerable homeowners are those with mortgages with a low down payment, such as those with FHA and VA loans. It has been estimated that nearly three-quarters of all underwater loans in recent years are backed by government-backed products, which were widely used during the housing boom by first-time and moderate-income buyers. This represents the entire increase in mortgage delinquencies over the past year, according to ICE.  While negative equity is still a significant limitation for homeowners today because the lending environment is much stricter than it was before the 2008 housing crash, thereby reducing the likelihood of a foreclosure wave, negative equity still carries significant limitations on the market today. There is a possibility that it will lock owners in place, preventing them from selling or refinancing their homes, and while many will continue to make payments without immediate hardship, further price decreases or a weakening job market can only lead to increased financial difficulties.  According to Redfin economist Chen Zhao, by the end of the year, the national home price will drop about 1 per cent, suggesting that there may be a continued increase in underwater cases. Although there are considerable equity cushions from pandemic gains and tighter lending standards, which might mitigate broader fallouts, the trend is still regarded as a warning rather than a full-blown crisis at this time. For buyers in vulnerable markets, equity and timing are critical factors to consider when buying. It has been reported that market analysts are pointing out that there is a transitional housing environment rather than a free fall as a result of the prevailing mix of cooled home prices, changing mortgage structures, and concentrated pockets of negative equity. Several trends have been observed in Florida, Texas, and other high-growth regions, demonstrating how localised market dynamics can differ sharply from national averages. This was particularly evident in areas that experienced rapid appreciation during the pandemic.  According to experts, even though stronger lending standards and high levels of homeowner equity still contain systemic risk, the concentration of vulnerability among recent buyers and borrowers who have made low down payments deserves careful observation. When economic conditions worsen, the combination of mortgage performance, affordability concerns, and external financial pressures, such as student loan obligations, may create stress points in certain markets.  Policymakers, lenders, and prospective buyers alike can take solace from the current data on housing's cyclical nature, which serves to highlight both the cyclical nature of the housing market as well as the need to anticipate how affordability tools, equity positions, and market corrections will connect to each other in the months to come.

Rising Underwater Mortgages Signal Strain in Florida and Texas Property Markets #ATTOM #CyberCrime #CyberThreat