Debt-to-income ratio, savings balances and credit scores shape borrowing power, loan terms and readiness to buy a home in today’s market.
Mortgage rates edged higher, with 30-year loans at 6.1% (up from 6.09%) and 15-year rates at 5.49%. Buyers and sellers are watching what comes next.
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 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.
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.
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.
The updated compensation form, released in January, replaces two prior agreements and updates how sellers and brokers offer payment in residential transactions.
Focusing on buyers by behavior and interests, rather than age, gender or family status, helps agents reach new consumers while avoiding legal risks.
The Real Estate Settlement Procedures Act prohibits referral kickbacks for lenders and settlement services. Paying fair market value for real services is allowed.
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.
