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Linda Higgins

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Sand Dollar Realty Group
Residential & Commercial Realtor®

10/31/2026

Zillow Home Loans just announced a new program that could remove one of the biggest barriers to buying a home.

Eligible FHA borrowers can now receive assistance covering their full 3.5% minimum down payment through a second loan with 0% interest and no monthly payments.

The assistance can even be forgiven after five years.

But there are eligibility requirements, repayment conditions, and several states where the program isn't available.

Here's what real estate agents need to know before recommending it to buyers.

Full breakdown in the comments. 👇

10/31/2026

Home prices kept climbing in Q3 2026, with 78% of U.S. metro areas posting annual gains. The national median single-family existing-home price rose 1.7% from a year ago to $432,900.
https://www.nar.realtor/newsroom/home-prices-rise-78-percent-metro-areas-q3-2026

04/26/2026

Real estate fuels local economies. Each home sale sparks about two jobs and over $130,000 in activity, and in some states the sector tops 20% of GDP. Where does your state stand?
https://www.nar.realtor/reports/state-by-state-economic-impact-of-real-estate-activity

04/26/2026

The process by which developers hand over control of homeowner associations to residents is failing more often than many people realize, creating what are known as "zombie HOAs." This issue is significant given that 43.6% of homes for sale in 2025 were subject to HOA fees, up from 34.3% in 2019. In these problematic situations, developers may retain control, sometimes blocking elections or ignoring transition deadlines, as seen in North Charleston, SC. This can lead to residents being denied financial records, experiencing increased dues, and ultimately seeing their property values "take a hit."

04/26/2026

U.S. housing inventory rose 24.8% year over year in July 2025, marking the 21st consecutive month of growth, but some states are seeing far more dramatic shifts. Nevada leads with a 52.9% increase in active listings, followed by Maryland at 48.2% and North Carolina.

04/19/2026

Payments are still rising in more markets than falling: up in 1,753 counties vs 1,349 down. Relief can matter—for example, Santa Clara is ~$350/month lower, while NYC is up $107.
See how your market compares: https://www.nar.realtor/research-and-statistics/housing-statistics/county-median-home-prices-and-monthly-mortgage-payment

04/19/2026

The Housing Affordability Index improved to 113.7 in March, but insurance tells more. Adjusting for rising premiums drops affordability to 109.0—about 4% weaker today, and ~10% lower than the late‑1990s baseline.
Read more: https://www.nar.realtor/blogs/economists-outlook/a-new-look-at-housing-affordability-the-insurance-adjusted-hai

01/29/2026

With supply still limited relative to demand in some housing markets, 16% of homes sold above list price. Gain more insights in the REALTORS® Confidence Index: https://bit.ly/2GFPb3O

01/29/2026

Lawmakers in Florida and Indiana are advancing bills to make it easier to build smaller, starter homes by limiting local land-use rules.

Florida’s SB 948 and Indiana’s HB 1001 would curb local government restrictions seen as barriers to new construction, a controversial move. Florida’s proposal targets rules that prevent building on smaller lots, as the state grapples with high home prices, a large share of million-dollar listings, and rising HOA costs.

01/18/2026

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Cocoa Beach, FL
32931

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