Fidelity Home Group | Affordability Is at a 4-Year High Home affordability is the best it’s been in 4 years. And that’s making a difference for buyers. Have you re-run the math yet to see how this changes your numbers? NMLS ID 1834853 #fidelityhomegroup #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips https://mortgagetech.ice.com/publicdocs/mortgage/imt-february-2026-mortgage-monitor-report-hA19743GeA.pdf
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For the past few years, affordability has been what’s stopped a lot of buyers in their tracks. Maybe it stopped you, too.
At some point you probably did the math, looked at the monthly payment, and decided to pause your search and wait for things to get better. But here’s something you may have missed while you’ve been sitting on the sidelines.
Over the last year, housing affordability has improved in all 50 states. Yes, you read that right. It’s gotten better in every single state.
That’s based on new research coming out of First American. And while housing is still fairly expensive compared to historical standards, the pressure buyers felt over the last few years is finally starting to ease.
The first thing you need to know is that this isn’t just happening in one region or in a small handful of cities. The trend is happening almost everywhere.
Sure, individual states, cities, and even neighborhoods are going to vary – sometimes by a lot. But overall, more buyers are able to buy again. And in 48 of the top 50 metros, affordability has improved over the past year.
That same research breaks down which cities are seeing the biggest gains:
Just in case you’re wondering: why these areas? It’s simple. In many cases, it comes down to the number of homes for sale.
When buyers have more choices, it creates a healthier balance in the market and that can help bring affordability back within reach. With homes up for grabs, it opens the door a bit wider for buyers to negotiate with sellers for credits, price cuts, and more. And it gives you more chances to find a house that works for your needs and budget.
It may make more of a difference than you think.
None of this means affordability challenges have completely disappeared. Buying a home is still a big financial decision. But the trend is moving in a direction many buyers have been waiting for.
As Chen Zhao, Head of Economic Research at Redfin, puts it:
“The housing affordability crisis is showing signs of easing . . . opening the door for more Americans to make the jump to homeownership.”
If you were holding off on buying, this could be exactly the signal you’ve been waiting so long for. To find out how much affordability’s improved in your area, connect with a local real estate agent.
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Buying your first home is exciting, but it can also be a little nerve-wrecking because it’s something you’ve never done before. And trying to think of everything you need to do can feel like a lot. But here’s the key.
You don’t have to figure everything out on your own. And you don’t have to do it all at once. Just tackle it one thing at a time.
Here’s a simple list of 3 main things you should focus on to help you get started.
Buying a home is a team sport. And having the right professionals by your side can make a world of difference. Here’s who you need to find:
This is what determines what you can afford, how competitive you’ll be, and how confident you’ll feel when it’s time to make an offer. Here’s how to get ready:
When you’re officially ready to kick off the buying process, lenders are going to need to verify your income, assets, and financial history. Having these documents ready-to-go upfront can speed up the process and reduce back-and-forth. Here’s what Bankrate says you need to prep:
Note: the exact time frames and list of documents may vary lender to lender. This is just a general rule of thumb to help you get the ball rolling.
Buying your first home doesn’t mean you have to have everything figured out. It just requires a plan.
If you start with your finances, organize your documents, and surround yourself with the right people, you’ll be in great shape when the time comes to make a move.
And if you want more information on anything in this list or just need help getting started, reach out to an agent.
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#fidelityhomegroup, #floridamortgage, #floridamortgagerates, floridamortgagecalculator
#fidelityhomegroup, #floridamortgage, #floridamortgagerates, floridamortgagecalculator
#fidelityhomegroup, #floridamortgage, #floridamortgagerates, floridamortgagecalculator