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# U.S. Pending Home Sales Sink Near 12-Year Low
- URL: https://blockyard.ghost.io/u-s-pending-home-sales-sink-near-12-year-low/
- Published: 2026-10-12T13:00:37.000Z
- Updated: 2026-10-12T13:00:37.000Z
- Description: U.S.
- Author: Hans Michel
- Tags: loantrust.ai, news, daily

###### Educational

Pending home sales across the United States have dropped to levels not seen since 2014, with the sole exception being the pandemic freeze of 2020, according to Redfin News. Mortgage rates pushing past 7% have pushed many prospective buyers to the sidelines, and the decline in pending sales has affected every major metropolitan area on a year-over-year basis, with Seattle and Southern California experiencing the sharpest contractions. Home price growth has slowed dramatically as well, with the national figure rising just 1.3% year over year in September.

This environment creates a distinct set of challenges depending on where a borrower sits. Investors watching prices flatten and inventory accumulate may see opportunity in rental property or renovation plays, but conventional financing built around personal income documentation often fails to capture the full picture of a real estate investment. [loantrust.ai](https://loantrust.ai/?ref=blockyard.ghost.io) originates financing structured around property cash flow rather than personal income, including DSCR programs for rental properties, fix and flip funding, bridge capital, new construction loans, and multifamily financing, as well as bank statement programs for self-employed borrowers. One licensed mortgage loan originator personally packages each file, operating as an Atlanta-based mortgage brokerage under an NMLS-licensed sponsor company rather than routing applications through a call center.

For readers navigating a market where traditional buyers are retreating, the structure of financing becomes as important as the price of the asset. A brokerage that originates both consumer and investor mortgages, from conventional and government-backed products to investor-specific programs, operates directly in the space where this slowdown creates openings. The combination of investor-focused products and direct personal handling of each file positions loantrust.ai as a dedicated partner rather than a transactional call center for borrowers reassessing their approach in a higher-rate environment.

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**Source:** [Redfin News](https://www.redfin.com/news/pending-home-sales-sink-rates/?ref=blockyard.ghost.io), “U.S. Pending Home Sales Sink Near 12-Year Low”. [Read the original →](https://www.redfin.com/news/pending-home-sales-sink-rates/?ref=blockyard.ghost.io)

**About loantrust.ai** — Whether you're buying your first home, refinancing, or funding your next investment deal, you deserve a straight answer from a real loan officer — not a call center. loantrust.ai is the Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan: conventional, FHA, VA, refinance, DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs. Get a written quote you can compare against any lender — in about two minutes: [**get a written quote here**](https://loantrust.ai/?ref=blockyard.ghost.io)

*Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia ·* [*NMLSConsumerAccess.org*](https://www.nmlsconsumeraccess.org/?ref=blockyard.ghost.io) *· 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.*