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Affordability

Will New York’s manufactured housing law reshape home financing?

Affordability, Affordable housing, Manufactured Housing, Policy, The Builder's Daily /

New York Gov. Kathy Hochul signed a long-awaited state law designating manufactured housing as real estate in December. In the 11 months ahead, the question is whether the newly enacted measure can deliver on its promised mortgage-style financing or stalls amid legislative rulemaking. Regulators, lenders, and manufactured housing advocates will spend this year working out […]

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Offsite building faces scalability hurdles as Builders First Source expands

Affordability, Homebuilders, Residential Real Estate, Technology, The Builder's Daily /

Offsite construction is often hailed as the panacea for housing shortages and labor constraints. In practice, it faces the realities of a cyclical, regional business. Builders who buy these companies outright often end up tying capital to rigid factories that can’t flex with demand. Recent experiences at PulteGroup and Veev make this clear. Why is

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Retirement accounts become emergency funds as financial stress rises

Affordability, Baby Boomer, HWmember, Retirement, Reverse, Social Security /

Long-term retirement accounts are increasingly serving as sources of emergency funds as American workers confront rising costs and persistent financial anxiety, according to multiple recent studies. Surveys from Allianz Life Insurance, Payroll Integrations and F&G Annuities and Life show Americans cutting back on retirement contributions and tapping savings meant for later life to cover immediate

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WalletHub says these are the best states for retirees in 2026

Affordability, Florida, HWmember, Retirement, Reverse, Reverse Mortgage Daily, South Dakota, WalletHub, Wyoming /

A new WalletHub study compares all 50 states to identify where retirees may find the most favorable balance of affordability and quality of life — with Wyoming taking the top spot. The analysis highlights wide disparities between states, with some offering budgets that stretch much further than others. Following closely behind Wyoming were Florida, South

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Utah lawmakers target starter homes with lot size reform

Affordability, Affordable housing, Policy, Reform, The Builder's Daily /

Utah lawmakers opened their 2026 legislative agenda with a proposal to revive a once-bedrock fixture of the American Dream of homeownership: starter homes. By streamlining permit approvals and rezoning for smaller property lots, Beehive State legislators will try to pry open a path to first-time homeownership. The bill would reduce minimum lot sizes to encourage

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A blueprint for making housing more affordable 

Affordability, Affordable housing, Contributors, Housing Market, HWmember, Mortgage, Opinion /

As we kick off the New Year, affordability remains one of the biggest challenges facing the mortgage industry and the broader housing market. It continues to shape conversations among lenders, policymakers, and consumers alike. Affordability is not a rate problem Ask most people what’s wrong with housing affordability, and the answer comes quickly: rates are

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Policy clash: how two housing policies blend to price out millions

Affordability, Housing Policy, Manufactured Housing, Policy, The Builder's Daily /

It goes with the insanity of today’s U.S. housing affordability crisis that two rights can make a wrong. Two federal policies — each designed to lower the lifetime operating cost of owning a home — can instead combine to raise the barrier to entry so high that millions of households never get through the front

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Down payment assistance programs top 2,600 in Q4 2025

Affordability, Down Payment Assistance, First-Time Homebuyers, Housing Market, HWmember, Manufactured Housing, Mortgage /

Down Payment Resource (DPR) on Monday released its Q4 2025 Homeownership Program Index (HPI) report, identifying 2,619 down payment assistance (DPA) programs available nationwide. The count is five fewer compared to the third quarter but represents a 6% increase from Q4 2024, when 2,466 programs were available. The year-over-year growth reflects continued expansion and refinement

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Don’t count on the ‘silver tsunami’ for housing inventory surge

Affordability, Baby Boomer, Home Prices, Home Sales, Housing Inventory, HWmember, Retirement, Reverse /

Inherited homes accounted for a record share of U.S. property transfers in 2025, a shift in how housing supply reaches the market and challenging expectations that aging baby boomers who wish to downsize will unlock a surge of homes for sale. New data from Cotality shows that about 340,000 U.S. properties were transferred through inheritance

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