Debt-to-income ratio, savings balances and credit scores shape borrowing power, loan terms and readiness to buy a home in today’s market.

Refinancing can lower monthly payments, change loan terms or tap home equity, but fees, credit scores and timing matter when replacing an existing mortgage.

The Fed left rates unchanged, citing solid growth and a steady job market. Officials want clearer progress on inflation before resuming cuts, likely later this year.

The Code of Ethics has adapted with the real estate industry for over 100 years. Updates to the Code of Ethics and Arbitration Manual go into effect at the beginning of each year.  Here’s what’s new in 2026.

A new compensation form replaces two prior agreements and updates how sellers and brokers offer payment in residential transactions.

Members often ask about the ethical boundaries regarding interference with another brokerage’s exclusive representation. The answer is found in Article 16’s Standards of Practice.

The Real Estate Settlement Procedures Act prohibits referral kickbacks for lenders and settlement services. Paying fair market value for real services is allowed.

If a neighbor’s cameras point into a private courtyard, talk to them, document it, check local law or HOA rules and consult a lawyer if needed.

Focusing on buyers by behavior and interests, rather than age, gender or family status, helps agents reach new consumers while avoiding legal risks.

A thoughtful remodel starts with how a home works day to day. Planning for layout, systems and future needs helps improve comfort, durability and long-term value.

Confidence declined as concerns about job availability and high prices grew. Views of the labor market were the weakest in nearly five years, signaling caution on spending.

Experts warn that reusing passwords, ignoring breach notices and relying on incognito mode can expose personal data. Small habit changes can lower identity theft risk.

With jobs steady and inflation still above target, the Fed is likely to hold rates this week, signaling fewer cuts ahead for mortgage, auto and business loans.

Tax credits reduce taxes dollar-for-dollar, but some expired for 2026. Some refundable and nonrefundable credits remain. Electric vehicle and home energy credits ended.

A new report shows younger generations will inherit trillions in property, driving family buying strategies, more estate sales and shifts in luxury market supply.

Modern windows boost comfort, cut energy waste, improve security and send buyers a clear signal that a home is well maintained and built for long-term value.

AI is transforming how buyers shop, so brands should reposition to reach buyers earlier, build trust sooner and influence choices faster.

Consumer sentiment climbed higher than first reported in early January, reflecting broad gains, though confidence remains well below last year amid inflation pressures.

Florida continues to attract retirees with tax savings and lifestyle benefits, even as affordability challenges shape retirement decisions.

The state’s growth is expected to moderate in coming years as in-migration slows, GDP growth cools and unemployment edges higher before stabilizing by 2034.