{"id":9678,"date":"2026-06-11T13:00:00","date_gmt":"2026-06-11T20:00:00","guid":{"rendered":"https:\/\/lisamillerpllc.com\/?p=9678"},"modified":"2026-06-11T13:00:00","modified_gmt":"2026-06-11T20:00:00","slug":"new-home-buyers-lean-on-government-loans","status":"publish","type":"post","link":"https:\/\/lisamillerpllc.com\/staging\/new-home-buyers-lean-on-government-loans\/","title":{"rendered":"New-Home Buyers Lean on Government Loans"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/lisa-miller-2\/new-homebuyers-gov-loans\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Applications for new-home purchases \u2193~2% yearly and \u219310% MoM in Early-Q2, showing affordability still shaped buyer timing.<br \/>\nEstimated new single-family sales ran at a 655K annual pace in Early-Q2, \u2193~9% from Late-Q1\u2019s revised 717K pace for builders tracking demand.<br \/>\nGovernment-backed options made up &gt;50% of new-home applications, with federal insured loans at ~36% and veteran loans at ~14%, supporting affordability choices.<br \/>\nAvg. new-home loan size moved from ~$382K in Late-Q1 to ~$378K in Early-Q2, hinting buyers favored moderated price points and affordability-focused options.<br \/>\nBuilders are using rate buydowns, closing-cost help, concessions, and smaller floor plans; an economist still expects activity to improve ahead as price pressures ease.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Applications for new-home purchases \u2193~2% yearly and \u219310% MoM in Early-Q2, showing affordability still shaped buyer timing. Estimated new single-family sales ran at a 655K annual pace in Early-Q2, \u2193~9% from Late-Q1\u2019s revised 717K pace for builders tracking demand. Government-backed options made up &gt;50% of new-home applications, with federal insured loans at ~36% and veteran [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9679,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[3],"tags":[],"class_list":["post-9678","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/paOTA9-2w6","jetpack-related-posts":[{"id":9555,"url":"https:\/\/lisamillerpllc.com\/staging\/us-builder-sentiment-sank-again\/","url_meta":{"origin":9678,"position":0},"title":"US Builder Sentiment Sank Again","author":"admin","date":"May 20, 2026","format":false,"excerpt":"US builder sentiment fell to 34 in Early-Q2, missing the 37 expectation and dropping from 38 previously, signaling worsening conditions in residential construction. Key components also weakened: single-family sales fell to 37, buyer traffic slipped to 22, and 6-mo sales expectations dropped to 42. The index stayed below 50 through\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/us-housing-index_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9817,"url":"https:\/\/lisamillerpllc.com\/staging\/us-buyers-see-more-builder-incentives\/","url_meta":{"origin":9678,"position":1},"title":"US Buyers See More Builder Incentives","author":"admin","date":"July 29, 2026","format":false,"excerpt":"US builder confidence registered 35 in Late-Q2, staying below 40 for a 14th straight mo amid affordability pressure, costs, and mortgage-rate headwinds. Builder offers matter: low-60% used sales incentives in Late-Q2, while ~35% cut prices, averaging ~6% reductions for new-home buyers across the US. Industry leaders point to a US\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/07\/affordability-builder-sentiment-remotion-videos_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9829,"url":"https:\/\/lisamillerpllc.com\/staging\/us-builder-confidence-posts-mid-q2-gain\/","url_meta":{"origin":9678,"position":2},"title":"US Builder Confidence Posts Mid-Q2 Gain","author":"admin","date":"August 3, 2026","format":false,"excerpt":"Builder confidence \u21913 points from Early-Q2 to 37 in Mid-Q2, topping forecast 34, while still below the 50 favorable threshold for new homes. Current sales \u21913 points to 40; expected sales over next 6 mo \u21913 to 45; prospective buyer traffic \u21913 to 25 nationally. Regional Builder Confidence Northeast: \u21915\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/08\/nahb-housing-market-index-affordability-challenges-persist_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9835,"url":"https:\/\/lisamillerpllc.com\/staging\/buyers-see-new-downpayment-leverage\/","url_meta":{"origin":9678,"position":3},"title":"Buyers See New Downpayment Leverage","author":"admin","date":"August 6, 2026","format":false,"excerpt":"Balanced or buyer-friendly conditions now appear across much of the country, giving shoppers more room to negotiate instead of overextending upfront cash. Increased inventory and moderating home prices are easing pressure on buyers, helping some offers compete without oversized downpayment commitments in today's Real Estate market. Some reentering buyers are\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/08\/buyers-leverage-downpayments_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9998,"url":"https:\/\/lisamillerpllc.com\/staging\/u-s-school-zone-homes-cost-150k-more\/","url_meta":{"origin":9678,"position":4},"title":"U.S. School-Zone Homes Cost $150K More","author":"admin","date":"September 23, 2026","format":false,"excerpt":"School zones and home values: the connection is powerful, and the latest numbers really highlight just how much. From early Q1 to late Q2 2026, the typical US home in a highly rated school zone came in at $580K\u2014a 35% premium over the $430K average nationwide. For families, that translated\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/09\/homes-school-premium-remotion-videos-bd21_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9946,"url":"https:\/\/lisamillerpllc.com\/staging\/existing-home-sales-slip\/","url_meta":{"origin":9678,"position":5},"title":"Existing Home Sales Slip","author":"admin","date":"September 3, 2026","format":false,"excerpt":"US existing-home sales slipped 1.7% in Early-Q3 to a 4.06M annual pace, slightly above economists' expectations and still \u21910.7% on a yearly basis. Median existing-home prices reached a record for Early-Q3 at $434.1K, while the benchmark 30-yr fixed mortgage rate climbed near 7%, highest in >1 yr. Inventory stayed tight\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/09\/us-existing-home-sales-fall-17-amid-record-prices-remotion-videos-7491_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/06\/mortgage-demand-slips_share.jpg?fit=496%2C279&ssl=1","_links":{"self":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9678","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/comments?post=9678"}],"version-history":[{"count":1,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9678\/revisions"}],"predecessor-version":[{"id":9680,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9678\/revisions\/9680"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media\/9679"}],"wp:attachment":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media?parent=9678"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/categories?post=9678"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/tags?post=9678"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}