NAR Lawsuit & Legal Changes: What Real‑Estate Brokers Should Expect by 2026
Introduction
The mid‑2020s have brought major legal upheavals in U.S. real estate. A string of antitrust lawsuits alleging that real‑estate brokers conspired to keep commissions artificially high culminated in a Burnett v. National Association of REALTORS® settlement in March 2024. At the same time, federal Fair Housing regulations and state‑level laws on broker fees, tenant rights and rent disclosure are shifting. Brokers operating in 2026 will therefore need to adapt their business practices to comply with a much more transparent and consumer‑focused legal landscape. This article summarizes the key changes and explores their implications for brokers in 2026 and beyond.
NAR Settlement and Commission Rules
On March 15 2024, the National Association of REALTORS® (NAR) reached a proposed settlement with plaintiffs in a series of commission lawsuitsnar.realtor. The court‑approved settlement ends litigation regarding alleged collusion on broker commissions but introduces significant practice changes effective 17 August 2024. Key provisions include:
Mandatory written buyer‑broker agreements – Realtors who use Multiple Listing Services (MLSs) must enter into written agreements with buyers before touring a homenar.realtor. The agreement must conspicuously disclose the amount or rate of compensation and make clear that fees are negotiable.
Objective, capped compensation – compensation must be objective (flat fee, specific percentage or hourly rate) and cannot be open‑endednar.realtor. Agents are prohibited from receiving payments above the agreed amountnar.realtor.
Commission offers removed from the MLS – offers of compensation to buyer agents can no longer be posted in the MLSnar.realtor. Sellers may still offer concessions or pay buyer‑broker fees off the MLS.
Emphasis on negotiability – the agreement must state clearly that broker fees are fully negotiable and not set by lawnar.realtor.
These changes mean that by 2026 brokers must adapt to a free‑market approach to commission. Transparent written agreements will likely increase consumer awareness of what services are being provided and how much they cost, pressuring brokers to articulate their value proposition. Brokerages may experiment with fee‑for‑service models, flat‑fee packages and hourly consulting to remain competitive. MLS platforms will focus more on property information than on fee structures, and buyer‑broker compensation discussions will increasingly happen directly between agents and clients.
The settlement has broader implications beyond commissions. Plaintiffs’ attorneys continue to monitor compliance and may challenge MLSs or brokerages that deviate from the rules mehiganlaw.com. Brokers should therefore maintain meticulous documentation of agreements and compensation to avoid future litigation. Additionally, the settlement may embolden state legislatures to enact their own broker‑fee laws—Massachusetts has already done so—and other jurisdictions may follow.
Fair Housing Compliance: The 2025 AFFH Rule Change
Compliance with the federal Fair Housing Act remains a core obligation for brokers. In March 2025, the U.S. Department of Housing and Urban Development (HUD) published an interim final rule revising the regulations governing the “Affirmatively Furthering Fair Housing” (AFFH) mandate. The Federal Register explains that the new rule returns to the pre‑1994 understanding of AFFH certification: a general commitment by funding recipients to take active steps to promote fair housingfederalregister.gov. Under the rule, a grantee’s certification is deemed sufficient if it took any action during the relevant period that is rationally related to fair housingfederalregister.gov. The rule does not require jurisdictions to conduct Analyses of Impediments or other extensive planningfederalregister.gov.
Advocacy groups note that the interim final rule eliminates the structured planning and data‑driven tools that helped communities identify discrimination and align public investments with fair‑housing goals. PolicyLink observes that the rule weakens the tools available to jurisdictions by removing key planning mechanisms and allowing self‑certification with minimal accountabilitypolicylink.org. Although jurisdictions must still certify that they are affirmatively furthering fair housing, they are no longer required to provide detailed reports or justificationspolicylink.org. This shift places greater emphasis on local control: states and cities may choose to implement their own robust planning processes to address segregation and inequalitypolicylink.org.
For brokers, the practical takeaway is two‑fold. First, the nondiscrimination mandates of the Fair Housing Act remain in place. Brokers must continue to provide equal service regardless of race, ethnicity, disability, familial status or other protected characteristics. Second, in a deregulated environment with fewer federal planning requirements, brokers and local associations can play a larger role in promoting fair housing through education, voluntary compliance programs, fair‑housing audits and community partnerships. Brokers should stay attuned to any local initiatives that go beyond federal minimums.rental property deals.
What Brokers Should Do Heading Into 2026
By 2026, brokers will operate under a patchwork of national and state‑specific laws that prioritize transparency, consumer protection and fairness. To succeed:
Adopt transparent buyer‑broker agreements. Use detailed written agreements that specify services and compensation, and ensure clients understand that commissions are negotiable.
Review compensation models. Explore flat‑fee, hourly or à‑la‑carte service packages. Evaluate the profitability of buyer representation in a world where seller‑paid commissions are no longer standard.
Invest in fair‑housing training. Even with simplified federal requirements, brokers must prevent discrimination in advertising, showings, tenant screening and digital marketing. Consider voluntary audits and partnerships with fair‑housing organizations.
Stay informed on state laws. Monitor legislation like Massachusetts’ broker‑fee law, Texas’ agency changes and California’s tenant‑protection laws. Update forms, disclosures and policies accordingly.
Prepare for funding volatility. Section 8 and ERA programs could shrink. Brokers managing rentals should diversify tenant screening, plan for potential payment gaps and maintain accurate documentation for any compensation claims.
The real‑estate industry is notoriously cyclical, but the current wave of legal reforms represents a structural shift toward consumer empowerment. Brokers who embrace transparency, invest in compliance and adapt their business models will be well positioned to thrive in 2026 and beyond.
Frequently Asked Questions: NAR Lawsuit & 2026 Real Estate Changes
What is the NAR lawsuit and why does it matter?
The National Association of REALTORS® (NAR) lawsuit centers on how real estate commissions have traditionally been structured and communicated, particularly regarding buyer-broker compensation. The outcome is driving nationwide changes in how commissions are disclosed, negotiated, and documented, impacting brokerages, agents, and consumers alike.
When will the real estate rule changes take effect?
Most changes tied to the NAR settlement are expected to roll out in phases, with full industry adoption anticipated by 2025–2026. Timelines may vary by state, MLS, and brokerage policies, but the shift toward clearer compensation agreements is already underway.
Will commissions be eliminated because of the NAR lawsuit?
No. The lawsuit does not eliminate real estate commissions. Instead, it changes how commissions are discussed, disclosed, and agreed upon. Buyers and sellers will still compensate agents for professional services, but with increased transparency and written agreements.
How will this affect home buyers?
Buyers should expect:
Clear, written buyer-broker agreements
Upfront discussions about compensation
Greater understanding of what services they are receiving
An experienced brokerage helps buyers navigate these changes so there are no surprises during the transaction.
How will this affect home sellers?
Sellers may see:
More transparent explanations of listing compensation
Clear separation between seller and buyer representation
Greater flexibility in how commissions are structured
The goal is informed decision-making, not increased complexity.
Are buyer-broker agreements now required?
In many markets, written buyer-broker agreements are becoming standard practice, especially when showing homes. These agreements outline services provided, compensation expectations, and fiduciary duties, creating clarity for both parties.
Does this change how CENTURY 21 Jordan-Link & Company operates?
CENTURY 21 Jordan-Link & Company has long emphasized clear communication, professionalism, and compliance. These changes reinforce best practices we already follow, ensuring clients understand their options and receive expert guidance at every stage.
Will these changes differ by state or region?
Yes. While the settlement is national, implementation varies by state, MLS, and local regulations. That’s why working with a brokerage deeply familiar with Central California markets is critical.
How should agents and brokers prepare for 2026?
Preparation includes:
Updated training and compliance procedures
Clear client communication strategies
Strong documentation practices
Education on local MLS rule changes
Brokerages that adapt early are best positioned to serve clients confidently.
Where can I get guidance specific to Central California?
Because market practices vary locally, it’s important to work with a brokerage that understands Central California regulations, MLS rules, and market dynamics. CENTURY 21 Jordan-Link & Company provides region-specific guidance tailored to Fresno, Tulare, Kings, Kern, and San Luis Obispo Counties.
America’s housing landscape is changing dramatically. U.S. Census Bureau data shows 40.3 % of owner‑occupied homes are mortgage‑free, up from 32.8 % in 2010nowbam.com. Over half of these owners are 65 or older, highlighting how decades of equity building and rising home values have empowered Baby Boomers and Gen Xersnowbam.com. In today’s market, many of these homeowners are selling their larger properties and using the proceeds—often alongside savings—to purchase smaller homes outright. This “downsizing without debt” strategy eliminates monthly loan payments, reduces utility costs and property taxes, and offers peace of mind in retirement or semi‑retirement.
Buyers who pay cash enjoy more negotiating power, faster closings and the ability to sidestep unpredictable mortgage rates. Reasons driving the trend include high home equity, a desire for simpler living, retirement readiness and the edge that cash provides in competitive markets. If you’re curious about whether this strategy could work for you, start by having your home’s value assessed, then explore smaller or more efficient properties that fit your lifestyle goals. Downsizing isn’t about downgrading; it’s about unlocking freedom and financial flexibility. Connect with a CENTURY 21® agent to learn how your equity can fund your next dream home debt‑free.
Mortgage‑Free Downsizing: Leveraging Equity to Buy Your Next Home with Cash
Why More Americans Are Saying Goodbye to Mortgage Debt
Recent data from the U.S. Census Bureau shows a striking shift in homeowner finances: 40.3 % of U.S. owner‑occupied homes are now mortgage‑free, up from 32.8 % in 2010nowbam.com. That share represents more than 35 million households, and 54 % of them are aged 65 or oldernowbam.com. Demographics are a major driver. After decades of paying down loans, many Baby Boomers and Gen Xers now own their homes outright and hold significant equity. Rising home values over the last decade have further boosted that equity, giving homeowners a powerful tool for their next move.
Turning Home Equity into Buying Power
The concept of downsizing without debt is simple: sell your existing (often larger) home, pocket the proceeds and use that equity to purchase a smaller or less expensive house in cash. By forgoing a new mortgage, downsizers eliminate monthly loan payments and avoid the volatility of today’s interest‑rate environment. This strategy appeals to retirees looking to simplify their finances as well as homeowners who want less maintenance and lower utility bills. According to reports cited by Keeping Current Matters, the percentage of all‑cash purchases has been climbing across the country as equity‑rich sellers use their built‑up wealth to buy their next home outright.
What’s Fueling the Shift?
High home equity: After years of mortgage payments and double‑digit home‑price appreciation in many regions, long‑time owners have amassed enough equity to pay cash for their next property. In fact, 64 % of Americans aged 65+ own their homes free and clearnowbam.com, making downsizing and cash buying a realistic option.
Desire for simplicity: Moving from a large family home to a smaller residence often means lower utility bills, reduced maintenance, lower property taxes and more manageable living. Eliminating a mortgage payment frees up cash flow for travel, hobbies or helping family.
Retirement readiness: For those on fixed incomes, having no mortgage can make budgeting easier and reduce financial stress during retirement.
Competitive advantage: In a tight housing market, cash offers stand out. Sellers frequently prefer buyers who don’t need financing contingencies, which can lead to faster closings and stronger negotiating positions.
Steps to Downsizing Without Debt
Assess your equity. Consult a real estate professional to determine your home’s current value and your net proceeds after paying off any existing loan.
Determine your needs. Decide what features matter most—location, size, single‑level living, proximity to family or health care—and set a realistic budget.
Prepare your home for sale. Declutter, make minor repairs and consider staging to maximize the sale price. In markets where inventory is low, the right presentation can lead to competitive offers.
Plan your move. Work with your agent to coordinate the sale and purchase timelines. Some buyers may need to negotiate rent‑back periods or temporary housing while their new home closes.
Is Downsizing Right for You?
If you’re approaching retirement, tired of high property taxes or simply ready for a lifestyle change, downsizing with cash may offer unmatched freedom. With record levels of mortgage‑free homeownership and strong buyer demand for move‑in‑ready propertiesnowbam.com, your current house could hold the key to your next chapter. Speak with a trusted CENTURY 21® agent to explore how much equity you have and what it could unlock. Downsizing isn’t about compromising—it’s about upgrading your life while staying debt‑free.
Market Pulse: Housing and Investment Trends
Build‑to‑Rent development approved. On September 4 the Fresno Planning Commission approved a 44‑unit build‑to‑rent (BTR) gated community at Peach Avenue between Tulare and Huntington avenues near Sunnyside High Schoolnorthmarq.com. BTR homes are built to rent rather than sell. Each of the proposed homes will be ~1,350 sq ft with three bedrooms, two baths and a two‑car garagenorthmarq.com. Rents are expected to be around $2,250 and the developer plans to build a block wall to address neighbors’ privacy concernsnorthmarq.com. The project now heads to the Fresno City Council for final approvalnorthmarq.com.
Fresno’s Prohousing comeback. Fresnoland reports that city leaders unanimously voted on August 29 to apply to regain California’s Prohousing designation after it was revoked for non‑compliancefresnoland.org. The designation would restore access to millions of dollars in state housing grants and reinforces the city’s commitment to building more homesfresnoland.org. Fresno plans to submit its application by mid‑September with approval expected by mid‑Octoberfresnoland.org. The council also approved purchasing and demolishing the historic Peacock Hotel for the Villa Baccara project—about 100 affordable and market‑rate apartments with ground‑floor commercial spacefresnoland.org. In addition, $6 million was allocated to the Parkview Apartments along Parkway Drive, which will add up to 170 units of affordable housingfresnoland.org.
Affordable homeownership in southwest Fresno. ABC 30 reports that a vacant lot off Florence Avenue has been transformed into a neighborhood of new affordable single‑family homes. Resident Edgar Navarro said his family can now enjoy a stable environment and avoid the repair issues of older rentalsabc30.com. Fresno City Council member Miguel Arias noted that community members wanted to own quality homes like those found on the north side of townabc30.com. Each home is valued at about $325,000, but thanks to city and local‑agency investments, mortgages will be closer to $200,000abc30.com. Seventeen families will move in once construction is completedabc30.com.
Multifamily market analysis. According to Northmarq’s Q2 2025 report, the Central Valley delivered more than 1,000 multifamily units in Q2—one of the highest quarterly totals on recordnorthmarq.com. Vacancy ticked up to 4.5 % (about 130 basis points above the five‑year average), but renter demand remains strong and rents are still risingnorthmarq.com. Sales activity is shifting toward smaller deals; the average unit count for traded properties dropped 45 % compared with 2024, and most transactions involve older Class C assets in the $5–$10 million rangenorthmarq.com. Northmarq expects completions to reach a decade high this year and predicts continued rent growth—although at a moderate pace—supported by strong logistics‑driven job growth in counties like Fresno and Stanislausnorthmarq.com.
Housing market numbers. FresYes’ June 2025 update for Fresno and Clovis reported a median sold price of $445,000 (up 1.14 % year‑over‑year) and an average price per square foot of $293 (up 2.07 %). Fewer homes were sold, leading to tight inventory and 5 extra days on market, giving buyers more negotiation power.
Clovis vs. Fresno lifestyle snapshot. Cygnus Estates’ 2025 comparison highlighted Clovis’ small‑town charm, top‑ranked Clovis Unified School District, and higher resale valueshomesbycygnus.com. Fresno offers a larger urban environment with diverse entertainment, varied property types and relative affordability, though some neighborhoods require careful research due to crime rateshomesbycygnus.com.
Upcoming Realtor & Community Events – September 2025
Stay connected through the Fresno Association of REALTORS® September 2025 events calendar:
MLS Tours & Trends Meeting (Sept 2, 9, 16, 23 & 30) – weekly tours and networking at 6720 N West Ave, Fresnofresnorealtors.com.
Know Your Forms (English & Spanish, Sept 2) – back‑to‑back classes that demystify real estate contract formsfresnorealtors.com.
YPN Committee Meeting (Sept 2) – Young Professionals Network gatheringfresnorealtors.com.
Byte Sized Brilliance (Sept 4, 11, 18 & 25) – fifteen‑minute MLS training sessions via Zoom for quick skill buildingfresnorealtors.comfresnorealtors.com.
WCR California Fall State Meeting (Sept 13–14) – statewide training and inspirationfresnorealtors.com.
Headshots Day (Sept 17) – free professional headshots for REALTORS®fresnorealtors.com.
VAREP – A Locked & Loaded Lunch (Sept 18) – safety and self‑defense training for agentsfresnorealtors.com.
Alliance Fresno – A Fresh Start (Sept 24) – dinner event launching the LGBTQ+ Real Estate Alliance’s local chapterfresnorealtors.com.
Seasonal Décor & Interior Design Trends for Fall 2025
Rich & Moody Color Palettes
Fall 2025 design leans into deep, saturated hues. Rusty oranges, olive green, charcoal, browns, plum and ochre replace the pale neutrals of recent yearsmycreativedays.com. Jewel tones like mustard yellow and wine red are also trendingvogue.com. Use throw pillows, blankets or artwork to bring these colors into living rooms and bedrooms.
Layered, Cozy Textures
Chunky knit throws, velvet and bouclé fabrics, pleated drapery and warm woods create a sense of comfortmycreativedays.com. Vogue notes that velvet is replacing boucle as the favorite upholstery, and pleated/printed drapery is being used as an art formvogue.comvogue.com. Brown “antique” furniture is back; mix it with verdigris (copper patina) accents for charactervogue.com.
Vintage & Thrifted Accents
Sustainability and nostalgia are huge drivers. Fall decorating guides recommend incorporating vintage books, brass candlesticks, old picture frames or cratesmycreativedays.com. These elements pair beautifully with the return of Art Deco patterns and jewel‑toned accessoriesvogue.comvogue.com.
Natural Elements & Handmade Touches
Bring the outdoors inside with preserved leaves, dried flowers, wood, stone and claymycreativedays.com. Simplify front‑porch décor with layered neutral rugs, plaid welcome mats and a few lanterns or plantersmycreativedays.com. Handmade wreaths, painted pumpkins and DIY artwork add personal meaningmycreativedays.com. For budget‑conscious homeowners, thrifting and repainting old décor in trending colors is a cost‑effective strategymycreativedays.com.
Biophilic & Wellness‑Focused Spaces
Outdoor rooms remain popular. Estate Landscaping notes that sustainable landscapes using native plants, efficient irrigation, rain gardens and pollinator gardens reduce water useestatelandscaping.com. Low‑maintenance landscapes with drought‑tolerant plants, artificial turf and mulch save timeestatelandscaping.com. 2025 trends include edible landscapes (herbs, fruit trees), vertical gardens and meditation/yoga areasamericangardensllc.com. Natural hardscapes using stone and wood create a relaxed, “wild” aestheticamericangardensllc.com.
Curb‑Appeal & Landscaping Updates
Warm, Earthy Exteriors: Better Homes & Gardens notes a shift from cool gray modern minimalism toward biophilic curb appeal with pale tan, forest green, navy blue and charcoal; natural accents like stone and wood help homes feel more welcomingbhg.com.
Bold Front Doors & Statement Steps: Vibrant doors in navy, teal or terra‑cotta offer a pop of personalitybhg.com. Oversized front doors and wider steps create a grand entrancebhg.com.
Dark Exterior Trim: Painting trims, windows or an accent wall in black or dark hues gives modern contrast without overwhelming the façadebhg.com.
Artistic Hardscaping: Expect unique patterns in driveways, permeable pavers and living wallsbobvila.combobvila.com.
Lived‑In Landscaping: Rewilding with native plants, clover and decorative rock beds supports biodiversity and reduces maintenancebobvila.combhg.com. Xeriscaping and drought‑tolerant landscaping are especially relevant in the Central Valley’s dry climatebhg.com.
Smart Outdoor Lighting: Adjustable LEDs connected to apps or voice assistants enhance ambience and safetybhg.com.
Decking & Fencing: Rich brown stains like Burnt Hickory complement the move toward earthy palettesbhg.com.
Interior Design “In & Out” List
IN: Drapery as art installations, Art Deco patterns, brown antique furniture, verdigris accents, velvet upholstery, jewel tones (mustard yellow and wine red), flame‑stitch patterns, “shambolic” layered decor, wallpaper on ceilings and upholstered walls, and mixing woods and metalsvogue.comvogue.comvogue.comvogue.comvogue.comvogue.com.
OUT: All‑white interiors, black kitchens, over‑curated spaces, fluted tile and space‑age light fixturesvogue.com.
Actionable Tips for Sellers & Buyers
Enhance curb appeal before listing: Add a bold front door, update porch lighting and incorporate drought‑tolerant landscaping. Fresh mulch and native plants can deliver up to a 200 % return on investment according to BHGbhg.com.
Highlight eco‑friendly features: Buyers are increasingly seeking energy‑efficient homes and xeriscaping. Point out any smart irrigation systems, solar panels or water‑wise gardensbhg.com.
Stage with warmth: Use fall color palettes, layered textures and vintage pieces to create inviting spaces. Avoid stark white rooms and instead mix browns, jewel tones and verdigris accessoriesvogue.comvogue.com.
Leverage market conditions: With inventory still tight and prices edging up, serious buyers should be pre‑approved and ready to negotiate. Investors should explore smaller multifamily deals or build‑to‑rent projects as demand for rentals remains strongnorthmarq.comnorthmarq.com.
Attend local events: REALTORS® and consumers can network at MLS tours, WCR events, Alliance Fresno dinners or training sessions. These events offer insights into market trends and foster community tiesfresnorealtors.comfresnorealtors.com.
Why Work With a CENTURY 21® Agent?
CENTURY 21 agents specialize in the Central Valley and stay on top of market changes, zoning policies and local events. Whether you’re buying a first home, selling an investment property or exploring build‑to‑rent opportunities, our expertise and global brand recognition can help you achieve your real estate goals. Contact us today to schedule a free consultation and learn how we can turn your real estate dreams into reality.
Buying a home is an exciting journey. Before you fall in love with a house, one step can make everything go smoother: getting pre-approved for a mortgage. At Jordan-Link & Company, we believe pre-approval is more than just paperwork—it’s the foundation for confident homebuying in the Fresno, Clovis, Madera and Central Valley area.
Here’s a clear look at what pre-approval involves, why it’s so important, and how to use it to your advantage.
What Is Mortgage Pre-Approval?
Mortgage pre-approval is a lender’s conditional commitment to loan you a certain amount—based on your financial profile. It typically involves a review of your income, credit score, debt, and assets. Once pre-approved, you’ll know how much home you can realistically afford, giving you power when you shop, make offers, and plan.
Why Pre-Approval Matters
Know Your Budget Up Front Without pre-approval, you may waste time looking at homes outside your financial comfort zone. Pre-approval sets a clear price range so you don’t fall for listings that stretch your budget.
Stronger Offers Sellers tend to take offers more seriously when buyers present pre-approval letters. It tells them you’re financially capable and ready to move.
Faster Closing Process A lot of the financial vetting is done up front. That means less delay later—loan processing, appraisals, and underwriting move more smoothly when much of the paperwork is ready from pre-approval.
More Confidence During the Search Knowing what you can afford helps you focus on what matters: neighborhood, size, amenities—rather than constantly recalculating what might stretch you too thin.
What You’ll Need for Pre-Approval
To get pre-approved, lenders usually request documentation like:
Recent pay stubs and W-2s / tax returns
Evidence of stable income (for self-employed, that often means profit & loss statements)
Bank statements showing assets / reserves
Credit history and credit score
Identification (driver’s license, etc.)
In Central California, lenders may also ask about local property insurance, termite inspections, or special assessments depending on the area. Having your financial paperwork organized ahead of time makes the process much easier.
How to Improve Your Chances of Strong Pre-Approval
Boost your credit where you can. Even a small credit score improvement can help you get better rates.
Reduce debt and avoid taking on new large debts. Lenders like to see a manageable debt-to-income ratio.
Save for a down payment and closing costs ahead of time. Being able to show reserves or savings makes your application stronger.
Avoid making big financial changes (like quitting a job or opening new credit cards) until after approval.
Jordan-Link’s Advice for Local Buyers
Work with a lender familiar with Central Valley markets—they’ll better understand local property values, insurance costs, and lending practices here.
Get your financial documents ready early (tax returns, bank statements, etc.)—many local buyers are delayed due to missing paperwork.
Consider financing options that match your lifestyle—a fixed-rate mortgage, variable interest, or special local programs may work differently depending on your goals.
The Role of Education & Professionalism
At Jordan-Link, we value working with knowledgeable professionals. Just like how agents complete regular real estate continuing education to stay updated on local market trends, regulations, and skills, savvy homebuyers can benefit from understanding the pre-approval process. When you work with an agent who’s knowledgeable—and who partners with expert lenders—you’re better equipped to make decisions confidently.
Final Thoughts
Mortgage pre-approval isn’t just a box to check—it’s a powerful tool that gives you clarity, strengthens your offers, and streamlines the home purchase journey. If you take the time to prepare wisely, pre-approval can set the stage for a smoother path to owning a home.
If you’re ready to explore your pre-approval options, or you want help understanding how much home you can afford in Fresno, Clovis, or Madera, reach out to your Jordan-Link & Company agent. They’ll guide you, your lender, and the process with transparency and care—so you can move forward with confidence.
You may have seen headlines claiming new home inventory is at its highest level since 2008—and if you remember the crash, that can feel alarming. But the reality is more nuanced. While new construction has increased, it’s only one part of the overall housing picture. When you combine new homes with existing home inventory, today’s total supply looks very different from the surplus that triggered the last housing crash.
After the 2008 downturn, builders drastically slowed construction. For more than 15 years, underbuilding created a housing shortage that persists today. Even with recent growth in new construction, experts at Realtor.com estimate it would take roughly 7.5 years of consistent building to fully close the gap. That means today’s inventory increases do not signal a repeat of 2008.
Of course, supply and demand vary by region. Some markets may have more homes available than others, and local conditions can shift faster than national averages. The key takeaway is that rising new home inventory alone does not indicate a crash—it simply reflects gradual recovery and efforts to meet long-term housing needs.
If you’re curious about your local market or what new construction means for your area, connect with a knowledgeable local real estate agent. Understanding supply trends in your neighborhood can help you make informed decisions whether you’re buying, selling, or planning for the future.
History Shows the Housing Market Always Recovers
If you’ve pulled your home off the market due to slow sales, you’re not alone. Recent data shows a 48% year-over-year increase in homes being delisted. But before you give up for good, remember: housing slowdowns are temporary.
History proves the market always bounces back:
1980s: Mortgage rates hit 18%, stalling sales—until rates dropped and demand surged.
2008: The financial crisis tanked the market, but recovery followed as the economy rebounded.
2020: COVID shut everything down—but the housing market came roaring back within months.
Today’s slowdown is driven by affordability. Higher mortgage rates and still-rising home prices have sidelined many buyers. But experts—including Fannie Mae, MBA, and NAR—forecast that sales will climb again by 2026, fueled by expected rate drops and renewed demand.
This moment is part of a cycle. The same way the market rebounded in the past, it will again.
Bottom line: If you’ve hit pause on selling, stay connected with your real estate agent. When the market shifts—and it will—you’ll want to be ready. Every past dip has been followed by a rise. Will you be prepared when the next wave of buyers comes?
From Market Frenzy to Breathing Room: Why Today’s Buyers Have the Advantage
Just a few years ago, the real estate market was pure chaos. Homes vanished from the market in hours, bidding wars broke out daily, and buyers were making split-second decisions—sometimes without ever stepping foot inside the home.
It was a stressful time, and many buyers chose to sit it out. But here’s the good news:
👉 That red-hot pace is cooling—and creating a rare window of opportunity for buyers in 2025.
📊 Homes Are Staying on the Market Longer—And That’s Great for You
According to the latest housing data, the average home now spends 58 days on the market. That’s a significant change from the ultra-competitive pandemic-era surge, where homes often sold in under a week.
✅ More time means more control.
You’re no longer forced to rush into an offer—or miss out entirely because you waited a day too long. Now, you have the time to:
Compare options
Review the details
Negotiate strategically
This return to a more balanced pace is one of the most buyer-friendly shifts we’ve seen in years.
⏱️ More Time = Less Pressure + More Power
Compared to just a year ago, buyers today have an extra week to make decisions. Compared to 2021’s peak? Nearly double the time.
That’s a massive mindset shift.
Instead of feeling reactive, buyers can now be intentional and confident. As Bankrate puts it:
“The market’s cooled off a bit now, and that gives buyers some breathing room. Homes are staying listed longer, so buyers can slow down, weigh their options and make more confident decisions.”
With more listings available and less urgency to pounce, the power dynamic is starting to favor buyers—especially in markets with rising inventory.
🧭 But Remember: Real Estate Is Local
While the national average is 58 days on market, local trends vary widely. Some cities are still moving quickly, while others are seeing homes linger much longer.
Pro Tip: Your neighborhood—not just your city or state—sets the pace.
That’s why working with a local real estate expert is essential. They’ll help you understand:
Which homes are moving fast
Where you can take your time
How to use local trends to negotiate better deals
As Realtor.com explains:
“Local trends can diverge sharply from national averages, especially when you factor in price range, property type, and post-pandemic market dynamics.”
💡 Bottom Line: This Is the Breathing Room Buyers Have Been Waiting For
If the frenzy of the past few years made you hesitate, now’s your chance to re-enter the market on your terms.
🕒 More time to think
📉 Less pressure to overpay
🤝 More room to negotiate
The current market offers something we haven’t seen in a while: balance.
Ready to explore your options?
Let’s connect and discuss what’s happening in your local market.
With the right strategy—and the right agent—you could be back on track to buying with confidence.
Why Condos Are a Smart Move for Today’s Homebuyers
Not every buyer is chasing a big backyard or a two-car garage. In today’s evolving real estate market, condominiums (condos) are standing out as a savvy, budget-friendly option—especially for first-time buyers and downsizers alike.
If you’re looking for something low-maintenance, affordable, and conveniently located, a condo could be exactly what you need.
📈 Condo Inventory Is Rising—And So Are Your Options
According to the National Association of Realtors (NAR), there are currently 194,000 condos available across the U.S.—the second-highest inventory in the past three years. This surge in listings means one thing: more choices for buyers.
✅ More inventory = Less competition.
That’s a refreshing change from the fast-paced bidding wars of recent years. With more available condos on the market, you can take your time, compare features, and choose a home that fits your lifestyle—whether you’re focused on location, layout, or luxury amenities.
Pro Tip: While national numbers are helpful, inventory and pricing trends vary by local market—consulting a real estate expert in your area is key.
💰 Condo Prices Are Softening—and Buyers Have the Upper Hand
Another major plus for buyers? Prices are cooling.
According to data from Intercontinental Exchange (ICE), condo prices dipped 1.3% in June compared to last year. Redfin reports that over half of the top 100 U.S. metros saw slight price declines.
“. . . condo buyers in many cities may be able to find sellers who are willing to give concessions and/or sell for less than their asking price.” — Redfin
In simpler terms: You now have more negotiating power. Whether it’s price adjustments, closing cost help, or seller concessions, there’s more room to strike a deal.
🏙️ Who Should Consider Buying a Condo?
First-Time Buyers: Lower price points and reduced maintenance make condos a great entry into homeownership.
Downsizers: Enjoy the convenience of less space without sacrificing comfort or location.
Urban Professionals: Many condos are located near downtown hubs, providing easy access to work, dining, and entertainment.
✅ Final Thoughts: Why Now Might Be the Best Time to Buy a Condo
In today’s shifting market, condos are more than just an alternative—they’re an opportunity.
With:
Increased inventory
More negotiating power
Softer prices
Flexible lifestyles
…condos present one of the most buyer-friendly paths to owning property in 2025.
Thinking about buying a condo? Let’s connect and explore what’s available in your area.
You might be surprised how many boxes a condo can check.
Buying a home in Central California—whether it’s a ranch in Tulare County, a family home in Fresno, or a luxury estate in Visalia—is one of the biggest investments many people will ever make. While location and property features play a huge role in the decision, one of the most important pieces of the puzzle is often overlooked: the mortgage process.
For buyers, the financing side can feel overwhelming. Loan approvals, interest rates, and lender requirements can easily become roadblocks that delay or even derail a transaction. That’s why working with a real estate team that understands the mortgage process is so valuable.
The Advantage of Local Market Knowledge
Central California is a diverse region with equally diverse lending needs. First-time buyers in Fresno may be looking at FHA or conventional loans, while agricultural buyers in Tulare or Kings County might need specialized financing. Luxury estates in Bakersfield or Clovis often require jumbo loans with stricter requirements.
Having an agent who knows these nuances, and who collaborates closely with trusted local lenders, can make the difference between a smooth path to closing and unexpected challenges. At Century 21 Jordan-Link & Company, agents combine local expertise with a strong network of financial professionals to help buyers feel confident at every step.
Why Mortgage-Savvy Agents Make a Difference
A great property is only part of the equation. Without the right financing in place, even the perfect home can slip away. Mortgage-savvy agents help clients by:
Identifying Potential Roadblocks Early – Spotting red flags that might affect loan approval.
Connecting Buyers with the Right Lenders – From first-time buyer programs to jumbo loan experts.
Explaining Financing Terms in Plain Language – Ensuring clients fully understand what they’re signing.
Keeping Transactions on Track – By coordinating with lenders, appraisers, and title companies to avoid last-minute surprises.
In a competitive housing market, these skills can give buyers a critical edge.
The Role of Education in Mortgage Expertise
Mortgage products, guidelines, and regulations change frequently. That’s why it’s so important for both lenders and agents to stay current. Working with a Realtor who values continuous learning means clients benefit from up-to-date guidance.
Career Classroom, a leading provider of mortgage continuing education, stresses the importance of professionals refreshing their knowledge regularly. When agents and their lending partners invest in education, clients gain peace of mind knowing they’re receiving the most accurate, reliable advice.
Why Century 21 Jordan-Link & Company Stands Out
As one of Central California’s largest and most trusted real estate brokerages, Century 21 Jordan-Link & Company has a long-standing reputation for excellence. Their agents don’t just guide buyers through the home search; they also help clients navigate the financing journey with confidence.
With deep roots in the Central Valley and a network that spans Fresno, Tulare, Kings, and Kern Counties, their team has firsthand insight into the types of loans and lenders best suited for the area. Whether helping a family purchase their first home in Clovis or assisting with a large-scale agricultural property in Kings County, they provide the expertise and connections that ensure transactions go smoothly.
Final Thoughts
In Central California’s dynamic real estate market, finding the right property is only half the journey. Ensuring the financing aligns with your goals and circumstances is equally important. That’s why working with a team that understands the mortgage process—like Century 21 Jordan-Link & Company—is so critical.
By combining local expertise, trusted lender relationships, and a commitment to ongoing education, they help buyers achieve their dreams with confidence and clarity.
Selling Your Home? Here’s How To Prevent a Deal From Falling Through
1. Central Valley Real‑Estate Snapshot & Rising Cancellations
Recent Redfin data shows that 14.9% of pending home sales fell through in June 2025, the highest June level on record—up from 13.9% in June 2024 (Redfin). This spike reflects a tougher environment for sellers, driven by heightened buyer scrutiny during inspection periods.
Meanwhile, the Central Valley continues to experience mild pullbacks in both home sales and prices:
July 2025 home sales in the Central Valley dropped around 1.5% year-over-year, while prices held steady at $500,000 (Redfin, PR Newswire).
In May 2025, the Central Valley saw slight improvements—sales up 0.6%, median prices rising 0.6% to $510,000 (California Association of Realtors).
With market conditions tightening and buyers exercising more leverage, sellers need strategic tools to protect their deals.
2. Why Deals Fall Apart: Inspections Are the Main Trigger
The primary culprit for canceled contracts? Issues discovered during the buyer’s inspection contingency period. With limited budgets and more listings to choose from, buyers are quick to walk away if significant repairs emerge (Redfin, thomashenthorne.com).
The solution: pre‑listing home inspections—a proactive step that helps sellers anticipate and address potential deal-breakers before going to market.
3. Pre‑Listing Home Inspections: Central Valley Advantages & Drawbacks
Benefits for Central Valley Sellers
Provides pricing accuracy and helps avoid renegotiation or cancellations later (allcityhomes.com).
Builds buyer confidence, especially for first-time buyers common in the region (YouTube).
Reveals issues unique to the area—like well systems, septic tanks, or older structures—early in the process (allcityhomes.com).
Possible Concerns
Upfront inspection cost, typically a few hundred dollars (allcityhomes.com).
Must disclose any identified issues, which may deter some sellers (allcityhomes.com).
Buyers may still conduct their own inspections, meaning you may not eliminate inspection contingencies entirely (allcityhomes.com).
4. How to Make It Work for You
Consult Your Agent:
Get expert guidance on whether your property—especially if older, rural, or with unique systems—would benefit from inspection.
Plan Your Strategy:
Decide which repairs are worth addressing and which issues may be better handled with credits or disclosures.
Stay Transparent:
Provide inspection findings upfront to build trust and comply with California disclosure laws.
5. Final Takeaway for Central Valley Sellers
A pre‑listing home inspection can give you critical control and confidence—helping you protect your sale from cancelations and renegotiations.
Would you rather uncover issues on your terms—or face contract surprises when the pressure is on?
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Advocacy groups note that the interim final rule eliminates the structured planning and data‑driven tools that helped communities identify discrimination and align public investments with fair‑housing goals. PolicyLink observes that the rule weakens the tools available to jurisdictions by 
