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Arizona faces a severe housing shortage with a 2025 deficit of nearly 56,000 units and a long-term gap exceeding 110,000 homes. Residential permits dropped 14% in 2025, the slowest since 2019, making it take over 119 years to close the gap at current rates. Home...

Mortgage rates above historical norms continue discouraging many potential buyers from entering the housing market. Existing homeowners remain reluctant to sell because replacing their low-rate mortgages would significantly increase monthly payments. Home sales...

Home equity loans deliver fixed-rate lump sums, while HELOCs work as variable-rate credit lines homeowners can draw from as needed over time. A home equity loan may let homeowners borrow up to ~85% of value, then repay in monthly installments tied to property...

Phoenix offers strong potential for building homeownership value. Buyers may reach key financial milestones within a reasonable timeframe. Property ownership can support long-term wealth creation. The local market remains attractive for committed homeowners....

Homebuyers making a 20% down payment can gain about $427,000 more than renters over 30 years, with break-even points varying by city. Some Midwest and Southern cities have break-even times under five years, while West Coast cities like Portland and San Diego take 16...

Price reductions on home listings are declining nationally, now at 16.7%, down from 17.9% a year ago, indicating prices are stabilizing. However, some markets like Phoenix (29%), Tampa (25%), San Antonio (25%), Denver (24%), and Portland (24%) still see frequent cuts....