Case-Shiller home prices continue to lag inflation in August
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HousingWire reports that home prices tracked by the Case-Shiller index rose 2.1% year-over-year in August, a pace that continues to trail the 3.4% CPI inflation rate. The gap means real home values are effectively shrinking in purchasing-power terms, and the breadth of weakness was notable: only two of the tracked metros managed any monthly price gain at all. For owners and prospective buyers alike, the data point to a market where nominal appreciation alone is not keeping wealth intact.
This environment reshapes what borrowers need from financing. Investors watching real returns turn negative may look harder at cash-flowing acquisitions rather than appreciation plays, and self-employed borrowers navigating tighter margins need underwriting that reflects actual business income. loantrust.ai structures financing around these realities: DSCR loans that qualify on property cash flow rather than personal income, bank-statement programs for self-employed borrowers, and bridge, fix-and-flip, and new-construction products for investors repositioning in a flat-price market. One licensed MLO packages each file directly, without the handoffs of a call-center operation.
The disconnect between headline home prices and actual purchasing power is not an abstract concern for anyone weighing a purchase, a refinance, or a portfolio adjustment in the months ahead. A brokerage that originates across both consumer and investor channels, and that handles each file through a single point of contact, is positioned to match structure to circumstance rather than force circumstance into a standard product. That distinction matters when the market itself is offering little margin for error.
Source: HousingWire, “Case-Shiller home prices continue to lag inflation in August”. Read the original →
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Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.