Why the Housing Market Feels Unfair Right Now and What to Do About It

Luxury homes are flying off the market while regular listings sit untouched. Shelby Pennix breaks down the K-shaped housing market and the strategies that are actually working for everyday buyers and ... ...more

mortgage

March 16, 2026•5 min read

The Home Sale Tax Rule That Has Not Changed Since 1997 and Why Long-Term Homeowners Should Be Paying Attention

Lawmakers are debating updating the capital gains exclusion on home sales for the first time in nearly 30 years. Shelby Pennix explains what is being discussed and why long-term homeowners with signif... ...more

mortgage

March 16, 2026•6 min read

What a Buyer Leaning Market Really Means for Homebuyers (Leverage, Not Just Prices)

A buyer leaning market is about leverage: longer days on market, more price reductions, and more seller concessions. Here is how buyers can negotiate smarter. ...more

mortgage

February 19, 2026•2 min read

The Fed Did Not Raise Rates, So Why Did Mortgage Rates Jump?

Mortgage rates can rise even when the Fed holds steady. Learn how the bond market and 10-year Treasury yield influence mortgage pricing, and what buyers should watch. ...more

mortgage

February 19, 2026•2 min read

Will Home Affordability Improve in 2026? What Actually Matters for Buyers

If you have been asking, “Will home affordability finally improve in 2026?” you are not alone. It is one of the most common questions I am getting right now. The honest answer: some parts of affordab... ...more

mortgage

January 18, 2026•3 min read