Miami Homes
Real Estate, Property Market, Housing trends in Miami
Federal judge orders Trump administration to seek money for CFPB
A federal judge on Tuesday ruled against the Trump administration as it seeks to shut down the CFPB by refusing to fund it.
Experts agree a rosier market is coming in 2026. But specifics vary
More sales, stubborn rates, home price growth. Here's where five major groups landed on the housing market in 2026.
In Defense of the Sidewalk Shed
Yes, they’re annoying and a little ugly. I love them anyway.
Swipe and Let Go
It had a good run, but the MetroCard is ready for retirement.
Title insurance leaders bet on technology, efficiency for 2026 growth
Leading underwriters are focusing on technology, operational efficiency and agent support while preparing for market recovery.
The top 10 moments that rocked the portal world in 2025
Mergers and acquisitions, antitrust lawsuits, listing bans and the potential entry of a new portal competitor ruled 2025. Here's a look back at the top moments.
Logan Mohtashami’s 2026 housing forecast
Inventory is back to normal and mortgage rates are forecast between 5.75% and 6.75%, shaping a steadier housing market in 2026.
More AI? A big recovery? Real estate heavyweights predict 2026
Leaders including eXp's Leo Pareja, REMAX's Erik Carlson and top-selling agent Ben Caballero envision more tech, more change and perhaps a mixed recovery next year.
He’s been at the MBA and Fannie Mae. Here’s who he thinks has the better 2026 mortgage forecast
Economist Doug Duncan weighs in on the challenges facing economic forecasters today, cutbacks in economic reports produced by Fannie and Freddie, Fed independence, and more.
26 New Year’s resolutions to repair your real estate business in 2026
2025 nearly broke the industry. Contributor Rachael Hite has 26 recommendations to clear your slate and repair what's broken. (Some agents will absolutely hate No. 15.)
Stop treating your goals like January window dressing
Blend vision boards with business plans to develop the accountability system you really need as you move into the new year, Lori Muller writes.
Lighten up: How this agent leans into the joy of real estate
Learn how Barbato's previous professional experience as an architect informs the scope of his real estate career and how he learned to lead with joy.
REMAX accelerates real estate innovation with AI and technology
REMAX is accelerating the integration of AI and cutting-edge technology to transform how agents engage with clients, generate leads, and deliver results. Initiatives like Max AI, MaxRefer, MaxEngage, and HomeView leverage real-time data, personalized marketing, and AI-driven tools to streamline the homeownership experience and empower its agents. Leading this innovation is Travis Saxton, EVP of Strategy at REMAX, who has spearheaded the rollout of these technologies, including AI-powered trai...
Out-of-state investors keep sizable stake in single-family homes
Analysts say the persistence of nonlocal buyers points to a lasting shift in housing market dynamics rather than a temporary surge tied to COVID-era disruptions.
Why AI alone can’t maximize renovation ROI for home sellers
AI supports home renovation planning, but expert guidance is key for budgeting, ROI, and navigating emotional decisions.
Judge blocks key Hometap defenses in Massachusetts HEI lawsuit
The state alleges that Hometap’s flagship home equity investment (HEI) product is an “illegal, deceptive, oppressive and unconscionable mortgage that violates the criminal usury statute.”
Home price growth slows, affordability pressures persist
googletag.cmd.push(function() { googletag.display("mid_article_responsive"); }); U.S. home price growth remained muted in October as high mortgage rates and affordability constraints continued to weigh on the housing market, according to data released Tuesday by S&P Dow Jones Indices . The S&P Cotality Case-Shiller U.S. National Home Price Index rose 1.4% from a year earlier — up slightly from a 1.3% annual increase in September. Despite the modest uptick, price growth remains near its weakest pace since mid-2023 and continues to trail consumer inflation . Annual gains were less than one-third of the 5.1% average home price increase recorded in 2024 and lagged estimated October consumer inflation of roughly 3.1%. Mortgage rates, affordability and 2026 outlook Lower mortgage rates in October may have contributed to the slight increase in annual price growth, according to Bright MLS Chief Economist Lisa Sturtevant. She also cautioned that affordability challenges remain significant. Looking ahead, she said affordability conditions are likely to improve gradually rather than dramatically. “Affordability should continue to improve in 2026 through a combination of lower mortgage rates and slower price growth and even price drops in some metro areas. But we should not expect significant gains in affordability in the year ahead,” Sturtevant said. She added that falling rates could also have unintended effects on prices. “Today’s Case-Shiller Home Price Index suggests that lower rates could even lead to upward pressure on prices in some markets,” she said. Regional divergence The October data highlighted growing regional differences across the housing market. Chicago recorded the strongest annual price increase among the 20 cities tracked — rising 5.8%, followed by New York at 5.0% and Cleveland at 4.1%. Tampa , Fla., posted the steepest decline, with prices falling 4.2% from a year earlier. “Regional performance underscores a striking geographic rotation,” said Nicholas Godec, head of fixed income tradables and commodities at S&P Dow Jones Indices. “It’s a stark reversal from the pandemic boom, as the markets that were once ‘pandemic darlings’ are now seeing the sharpest corrections while more traditional metros continue to post modest gains.” Sturtevant pointed to similar geographic patterns. “(Prices) were also down in Phoenix, Dallas and Denver, where inventory has been increasing and demand has pulled back since the pandemic.” Momentum stalls with borrowing costs On a month-over-month basis, housing momentum weakened further. Before seasonal adjustment, the national index and both composite indexes declined in October. Sixteen of the 20 cities saw prices fall from September — with Cleveland , Boston, Seattle and Denver posting declines of roughly 0.8% to 1.0%. “Short-term momentum has essentially stalled,” Godec said. “Would-be buyers are facing the highest borrowing costs in decades, and that affordability squeeze has curbed demand enough to erode price momentum across most of the country.” After seasonal adjustment, the national index rose 0.4%, while the 10-city and 20-city composite indexes each increased 0.3%. The October release did not include updated data for Detroit due to transaction recording delays in Wayne County, Mich. S&P Dow Jones Indices said there was sufficient information to calculate a valid September update and that missing months will be revised as additional transactions are recorded. Uneven buyer conditions Despite ongoing challenges, Sturtevant said opportunities for buyers may improve unevenly across regions next year. “While opportunities for first-time buyers could be better in 2026 than they have been in years, conditions will vary significantly across regions, with buyers having more leverage in markets in parts of the South, West and Pacific Northwest, while inventory will remain tight and markets will remain competitive in the Midwest and Northeast,” she said. The S&P Cotality Case-Shiller indices track repeat sales of single-family homes across major U.S. metropolitan areas — with more than 27 years of historical data available. Related More: Affordability Bright MLS Cotality Existing home sales First-Time Homebuyers
Loan officer mental health: How to recognize & prevent burnout
Over the past few years, the mortgage industry has seen a significant decline in the number of loan originators. Loan officer burnout is a constant reality of the job, and what starts as long hours or a stressful month can gradually evolve into exhaustion, irritability, detachment and a loss of passion for work that once felt meaningful. Rather than appearing overnight, burnout builds quietly as work-life balance erodes, financial uncertainty lingers and the emotional toll of client rejection or deals falling apart adds up. We’ll explore what burnout really looks like and how it can be prevented through intentional lifestyle shifts that regulate stress, smarter business practices that reduce pressure and support systems that help sustain long-term performance. Mortgage burnout: What it looks like and how to prevent it Mortgage loan originators operate in one of the most emotionally demanding roles in financial services, making them especially vulnerable to burnout. High production pressure, constant client demands and ongoing market uncertainty can quietly wear down even the most experienced professionals. Supporting loan officer mental health means recognizing the triggers and early warning signs that contribute to long-term emotional and physical exhaustion. Work-life imbalance: Heavy workloads and long, unpredictable hours often blur the line between professional and personal time. Many loan officers feel perpetually “on call,” responding to clients and crises during evenings, weekends, holidays or vacations, leading to chronic stress and fatigue. Loan pipeline pressure: An unstable pipeline adds a unique layer of strain. Underwriting surprises, rate swings, tight deadlines, last-minute fires and the financial impact of lost or delayed deals can create constant tension that accelerates burnout. Financial stress and market uncertainty: Reduced volume, high interest rates and elevated pressure from sales leadership have left many originators managing unpredictable income and navigating the emotional weight of a fluctuating market. Over time, this instability compounds stress and undermines mortgage professionals wellness. Early symptoms of job burnout often include: Persistent exhaustion Increased irritability Apathy or emotional detachment Decreased productivity Reduced job satisfaction Recognizing mental health concerns early — especially constant fatigue, frustration or emotional numbness — allows originators to adopt coping strategies before stress escalates. Resources like the Mayo Clinic’s Job Burnout overview can help identify key factors that influence workplace stress in high-pressure roles such as mortgage lending and sales. Providing early stress-relief support for loan officers helps prevent these symptoms from hardening into chronic burnout. 10 ways to manage stress Unmanaged workplace stress can compound into chronic stress, increasing the risk of anxiety, depression, gastrointestinal (GI) and cardiovascular issues. By using practical tools to care for their minds and bodies, loan originators can stay grounded in a demanding environment. 1. Fuel your body wisely Limiting caffeine, alcohol and high-sugar foods helps prevent the energy crashes that undermine focus and productivity. Because stress can aggravate GI issues—such as heartburn, indigestion and stomach discomfort—it’s especially important to be mindful of what you consume. While it may be tempting to rely on convenient foods during high-pressure periods, those choices often intensify symptoms and contribute to weight gain and other health concerns. Prioritizing whole, nutrient-dense foods instead provides your body with steady energy and supports sharper mental and physical performance. 2. Prioritize sleep quality Sleep is one of the most powerful and overlooked tools for peak performance. Consistent, high-quality sleep helps you improve focus, decision-making, emotional regulation and stress resilience, all of which are essential for loan officers operating in fast-paced, high-stakes environments. When sleep is sacrificed, even the most experienced professionals see declines in reaction time, accuracy, patience and judgment. Establishing strong sleep habits starts with small, intentional shifts: limiting alcohol and caffeine later in the day, incorporating regular movement and building mental wind-down rituals that signal your body it’s time to rest. Creating a sleep-friendly environment also makes a measurable difference. A bedroom designed for calm — with reduced screen exposure, blackout curtains, a sound machine or tools like the Calm app — supports deeper, more restorative sleep and helps sustain long-term performance. 3. Exercise regularly Regular exercise boosts energy, focus and emotional resilience. Strength training, cycling and daily walking increase blood flow to the brain, stabilize mood and regulate stress hormones. These benefits make exercise one of the most consistent forms of stress relief for loan officers. Aim for movement four to five days a week, with daily walking as a baseline. Sunlight and outdoor activity, especially in winter, help regulate your circadian rhythm, improve vitamin D levels and support overall performance. Over time, consistent activity builds long-term protection against burnout and strengthens both mental and physical well-being. 4. Build a life beyond loans A healthy life outside of work is essential for long-term success. Investing time in hobbies and personal passions helps you decompress and reconnect with yourself outside of your pipeline. Whether it is cooking, reading, sports, crafting or simply spending time with friends and family, activities that bring you joy help you maintain emotional balance and return to work refreshed. A full life outside of work strengthens emotional health for loan officers and provides a buffer against the jobs highs and lows. 5. Reset your mind Mindfulness and meditation offer powerful ways to pause and reset. Whether it’s during the day or just before bed, simple breathing exercises, guided meditations, yoga and apps like Calm or Headspace help shift the mind out of constant problem-solving mode. These practices regulate the stress response, reduce adrenaline and weaken the “threat mindset” common in sales. 6. Lean on technology for efficiency Loan officers juggle both client demands and ongoing marketing efforts, making intentional planning also prevent burnout. Start each day by identifying three to five high-impact tasks and structure your schedule around them. Use structured to-do lists, consistent time blocks and scheduled breaks to create a steady workflow instead of reacting to every interruption. Jungo interface Leverage a CRM, like Jungo, to reduce manual work and stay proactive with your database. Jungo captures and segments leads automatically, syncs with your loan origination system, and enables automated email and SMS campaigns to nurture prospects without extra effort. With features like referral partner management, co-marketing tools and post-close automation, Jungo can help you build a more efficient marketing funnel, work smarter and maintain consistent client engagement. Visit Jungo 7. Set healthy boundaries Time away is just as essential. Whether it’s an afternoon off or a week-long vacation, planning ahead, coordinating backup for active files and giving yourself permission to disconnect allows you to return more focused, energized and effective. Loan officers perform best with focus and clear boundaries. Setting professional limits with referral partners and clients protects your mental health and supports long-term performance. While true emergencies happen, frequent late-night calls and routine weekend demands can quietly deteriorate your well-being and strain your family life. Clearly communicating when you are available — and when you are not — protects both your time and your ability to perform at your best. Here is a time-away template you can use for text and email communications: SMS: Thanks for your message! I’m currently out of the office and will respond within [X hours/tomorrow morning]. If something is urgent, please let me know. copy to clipboard Email: Subject line: Out of Office Hello, Thank you for reaching out. I’m currently out of the office and away from my phone, but I will respond to your message as soon as I return. If your matter is time-sensitive, please feel free to reply and note “urgent” in the subject line so I can prioritize it when I’m back. If you have back up: If you need immediate assistance, please contact [Name] at [email/phone]. Otherwise, I look forward to connecting with you soon. Best regards, copy to clipboard Pro Tip Remember: you are a trusted financial professional, not a 24/7 hotline. Boundaries elevate your role, strengthen relationships and create space for balance at home and focus at work. 8. Strengthen your support system A strong support network keeps you grounded in a high-pressure field. Surround yourself with mentors, industry peers and family who understand the job’s demands. You can also join online support groups on Facebook or LinkedIn . Build a high-functioning team by establishing and maintaining clear, healthy communication with your operations team, and, if possible, add support, such as a loan officer assistant (LOA), so you’re not carrying everything on your own. For additional support, a business or performance coach like CORE Training’s Mortgage Coaching can provide expert guidance and accountability through a structured development program. CORE Training helps loan officers strengthen their marketing, improve operations and follow a step-by-step playbook to build strategic systems that support long-term income and professional growth. Visit CORE Training 9. Evaluate your environment Personal stress-management strategies only go so far if your work environment is the root problem. Routinely assess whether your company, team structure or workflow supports your success.
Will stable mortgage rates and home prices set the table for a strong 2026?
The impact of stable mortgage rates was evident in November’s pending home sales data from the National Association of Realtors. At the national level, sales rose 3.3% on a monthly basis and 2.6% year over year.
Redfin CEO: These 10 shifts defined real estate in 2025
2025 was another landmark year in real estate. Redfin CEO Glenn Kelman breaks down the 10 trends that mattered most. Inman Connect Invest in yourself, grow your business—real estate’s biggest moment is in San Diego! As we approach 2026, I reflect on a watershed year in the history of American real estate. Here’s my list of the 10 most important 2025 trends. 10 trends that shaped real estate in 2025 1. The market shifted toward buyers Since recovering from the Great Recession of 2008, the U.S. housing market has favored sellers. But 2025 has been the year buyers finally stepped back from rising home prices . Comparing sales of the homes listed in the first quarter of 2024 to sales of those listed in the first quarter of 2025, the median number of days that a listing was on the market increased from 47 to 54, a modest but still-significant shift. Prices are now likely growing slower than inflation, which is good not only for first-time homebuyers but also for the industry. The correction in sales volume won’t end until there is a meaningful correction in home prices. 2. Affordability became a national political issue 2025 has also been the year that affordability became a preeminent national issue, leading to sweeping political change from Seattle to New York , and a broad new mandate within the Trump Administration. Of the many goods that Americans struggled to afford, housing was No. 1 . For the first time, the median age of the first-time homebuyer crossed a crucial psychological threshold , 40, meaning Americans will spend more than half their lives chasing the American dream. The good news is that there is now a broad consensus that that has got to change. 3. The industry shrugged off rule changes In March 2024, the National Association of Realtors paid $418 million to settle a Missouri class-action lawsuit on behalf of homesellers who don’t want to be obliged to pay a commission to the buyer’s agent. The media predicted the “elimination [of] a bedrock of the industry, the standard 6 percent sales commission.” Since then, commissions have modestly increased . In restricting agents’ ability to cooperate on commissions, the lawsuit also made it easier for agents to withhold listings from public marketplaces. This gave buyers’ agents the standing to charge more, not less. 4. Goodbye, mom-and-pop. Hello, bigger shops 2025 has been a year of consolidation. Rocket bought Redfin and Mr. Cooper . Compass later entered into an agreement to buy the largest U.S. brokerage, Anywhere . One factor has been a more business-friendly administration, and a second has been a prolonged housing downturn, which has put pressure on companies with smaller balance sheets, especially now that the real estate portals are spending more than half a billion dollars each year in advertising. The rise of AI also favors larger companies with more data. A traditional industry of mortgage lenders and real estate brokers running out of strip malls and home offices now favors larger, more innovative companies. 5. AI-augmented real estate brokers After decades of only incremental innovations in how people search for a home, 2025 was the year that artificial intelligence broke through. AI suggested new neighborhoods for homebuyers to explore or how much to offer on a home and created search experiences that feel like a conversation . AI gave portals the power to improve not just the initial home search, but also the actual service delivered by the real estate brokers affiliated with those sites. A site like Redfin or Zillow now prompts brokers to follow up with a client who gave up on her search and came back again or who has started looking at the same listing repeatedly. Portals that have accounted for nearly 100 percent of online searches but whose brokers have handled less than 10 percent of all U.S. home sales are finally extending their reach into the transaction itself. 6. The 1099 economy came under pressure Pandemic-era stimulus checks gave many Americans the reserves to strike out on their own as real estate agents, to the point that, starting in 2021, the number of U.S. Realtors exceeded the number of homes for sale. But as 2025 came to a close, it became clear that the government’s health-insurance subsidies for gig workers were coming to an end. Many real estate agents get insurance through their spouse, but others are now contemplating alternative careers. 7. Peak Texas A decade ago, this blog predicted a mass migration into Texas . From 2018 to 2022, home prices in a boomtown like Austin increased more than 50 percent. Since then, prices have fallen by nearly 20 percent. In 2025, people looking for low home prices and low taxes moved to the Midwest, not Texas or Florida. 8. The Fed fought for independence 2025 will be remembered as the year that the Federal Reserve fought for and maintained its independence, keeping mortgage rates above 6 percent longer than many expected. The short-term impact was fewer home sales. The long-term impact of a more credible Fed is lower inflation and less housing-market volatility. 9. YIMBYism became a broader political movement The yes-in-my-backyard movement that began to support more home construction became a broader political idea in 2025. The leader of the effort to reform America’s left wing from within, Ezra Klein, published his book Abundance in March of this year, arguing that American progressives need to set aside regulations to build infrastructure well beyond homes, such as mass transit and next-generation power plants. 10. Lawfare: The Hundred Years’ War The rise of real estate superpowers has led to a new competitive front in an industry that has long prided itself on handling its own disputes through negotiation and collaboration. Lawsuits between CoStar, Zillow and others are the new norm, in battles that are likely to last years, not months. Industry titans that once deferred to the National Association of Realtors’ lobbying efforts now employ their own government-affairs teams. Once an industry starts fighting this way, it rarely stops. Glenn Kelman is the CEO of Redfin , a technology-powered real estate broker. Topics: buyers agent | commissions | first-time homebuyers | Glenn Kelman | portal wars | realtors | Redfin Show Comments Hide Comments Sign up for Inman’s Morning Headlines What you need to know to start your day with all the latest industry developments Sign me up By submitting your email address, you agree to receive marketing emails from Inman. Success! 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