#housing-confidence

#housing-confidence

Many people successfully purchase homes while still carrying student debt. What matters most isn't whether you have debt, it's how well you manage it.

Ginsburg stated that treating builder business as a core pillar rather than a side channel reflects a broader industry shift. He believes a healthy balance of builders should be around 15% to 20% of the overall retail book of business.

Realtor Todd Luong of REMAX DFW Associates in Frisco said his recent experience reflects meaningful improvement for buyers, even if affordability remains strained. Here in the Dallas real estate market that I serve, affordability remains a challenge, he says. However, there is a significant amount of data showing that buyer conditions have improved over the past year and that buyers are gaining affordability ground. This should eventually increase housing demand to some degree as we head into the busy spring buying season.

The relatively flat trajectory for rates reflects the market's belief that the federal funds rate won't change anytime soon. Federal Reserve policymakers didn't offer any surprises last week when they ended their rate-cutting cycle by holding the policy rate at a range of 3.5% to 3.75%. And the CME Group's Fed Watch tool showed that the next rate cut isn't likely to materialize until June or July.