Why US home prices aren't falling despite a sluggish market
Wealthy buyers are defying high mortgage rates, keeping national home price growth surprisingly resilient in July
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BREAKING — Mortgage Professional America reports that wealthy buyers are continuing to purchase homes regardless of elevated mortgage rates, which has kept national home price growth surprisingly resilient through July even as broader housing market activity has slowed. This dynamic has created a split market where entry-level and move-up buyers face affordability pressures while cash-heavy and high-net-worth participants keep prices from correcting. The result is a sluggish overall environment that nonetheless refuses to deliver the price relief many prospective buyers have been waiting for.
That split market leaves many investors and self-employed borrowers in a difficult position: prices remain elevated, traditional qualification paths have tightened, and the conventional mortgage process often treats non-standard income as an obstacle rather than a reality. loantrust.ai operates directly in this space, structuring financing around property cash flow through DSCR programs, accommodating self-employed borrowers with bank-statement qualification, and funding acquisition and renovation timelines with fix-and-flip and bridge products. Every file is packaged by one licensed MLO rather than routed through a call center, which means the financing strategy is built around the specific deal and the borrower's actual situation.
For investors watching this resilient price environment, the question is not whether prices will fall eventually but how to finance effectively within conditions that favor prepared capital. A brokerage that originates both consumer and investor products, including conventional and government options alongside specialized investor programs, offers positioning flexibility that matters when the market itself is sending mixed signals. That dedicated structure, rather than a transactional call center model, aligns with the complexity of operating in a market where headline sluggishness masks underlying price strength.
Source: Mortgage Professional America, “Why US home prices aren't falling despite a sluggish market”. Read the original →
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: loantrust.ai
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.