Torger Erickson AZ, CO & CA Mortgage Advisor - Rocket Mortgage

06/07/2026

With mortgage rates stuck above 6% and unlikely to fall soon, housing experts say buyers who can afford to act should do so now, while sellers are still willing to negotiate, before rate drops trigger more competition.

06/05/2026

06/03/2026

Some sellers who delisted their homes in the last year are relisting them: 2.5% of homes are relistings that were previously pulled off the market, the highest share since 2020.

05/05/2026

05/05/2026

Mortgage myths are keeping would-be buyers on the sidelines, according to a new Veterans United survey.

Nearly half think they need more than 5% down for a conventional loan, 34% believe they need a credit score of 700 or higher, and two-thirds think rates are at an all-time high. In reality, many loan programs accept scores as low as 620, and today's 6% to 7% rates pale next to the record high of 18.6% in October 1981.

05/02/2026

Home sellers currently owe taxes on profits above $250,000 for single filers and $500,000 for married couples, thresholds unchanged since 1997 even as home prices have climbed more than 260%. About 1 in 3 homeowners now have more equity than those exemptions protect. Sen. Ted Cruz is proposing to index capital gains to inflation, reducing the taxable portion of any gain, while others want to double the exemption caps entirely.

04/30/2026

Mortgage rates edged up to 6.30% for the week ending April 30, reversing three weeks of declines after new inflation signals prompted the Federal Reserve to hold rates steady, according to Freddie Mac. Rates remain well below last year's 6.76% average for the same period.

Despite the uptick, buyer demand is accelerating, with purchase applications up more than 20% from a year ago. "It is clear that purchase demand continues to hold up as prospective buyers react to both modestly lower rates and more inventory to choose from," said Freddie Mac chief economist Sam Khater.

Read more: https://rltor.cm/M71V4t

04/11/2026

The national housing market is sending mixed signals, with home sales stuck at historic lows for three years while prices remain near record highs. But beneath the surface, cities have never been more divided. Across the top 50 metros, 26% are seller's markets, 16% are buyer's markets, and 46% are balanced but loosening, reflecting a level of fragmentation not seen since at least 2018.