Dually Licensed Lisa Jones
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In late 2022, the National Association of Realtors reported that the real estate market showed similar trends nationwide due to the pandemic. By 2026, these patterns are expected to diverge, with recent data highlighting a clear separation between trends in Rust Belt and Sun Belt cities.
Regional Divergence in Real Estate Trends
Recent studies highlight this divergence. Recent studies confirm this divergence. In the Rust Belt, cities like Cleveland and Chicago continue to see rising home prices, supported by affordability and steady demand. In contrast, Sun Belt cities in Florida, Texas, and Arizona face high demand but declining prices, due to limited housing supply. As a result, mortgage cost-to-income ratios in the Sun Belt now exceed 35%, up from less than 25% in 2019. On the West Coast, cities such as Seattle, Portland, and Denver are expected to follow similar trends due to reduced demand, while technology hubs like San Francisco and San Jose may see renewed interest.
Mortgage and interest rate conditions are changing, as seen in the ‘lock-in effect.’ After the pandemic, many homeowners secured historically low rates, making them reluctant to move and take on higher rates. Increased demand for newer homes has reinforced this effect, limiting market mobility. By late 2025 or early 2026, mortgage rates are projected to exceed 6%, up from below 3% before the pandemic. This increase may encourage homeowners to move, potentially boosting home sales and easing pressure on housing inventory.
By 2026, mortgage rates are expected to stabilize around 6%. While this is more than double the 2021 rate, it is an improvement from the 8% peak in late 2023. The National Association of REALTORS® (NAR) expects a modest decline in rates during 2026, which could allow millions of buyers to qualify for mortgages, including about 1.6 million renters who may become first-time homeowners.
Outlook for Inventory and Home Prices
Inventory has improved significantly. Active home listings have increased for 22 consecutive months by late 2025. In September 2025, listings reached their highest level, with 4.6 months of supply compared to just 0.6 months during the pandemic boom. Experts expect available homes to rise by another 5% to 10% in 2026.
Home price trends will continue to differ by region. Nationally, economists expect home price growth to slow to 2%-4% in 2026. Some, including J. P. Morgan Global Research, predict no appreciation. Reventure App also expects prices to remain flat overall, though regional differences will persist. As price growth slows, affordability should improve, potentially lowering monthly payments for the first time in the 2020s. Easing mortgage lock-in and sustained inventory growth are increasing market supply. While mortgage rates are unlikely to return to pre-pandemic lows, their stabilization and possible wage growth should further improve affordability. In 2026, the real estate market will likely show significant regional variation, with affordability and inventory levels shaping which areas thrive and which face ongoing challenges.
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I need to have my deck replaced. Can you give me an estimate if I send you pics?
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I love German Shepherd dogs, especially long hair German Shepherd dogs.
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Based on the search results, here are the statistics on infidelity for couples married 20 or more years.
### Overall Prevalence in Long-Term Marriages
– Approximately 25% of long-term marriages (defined as 20+ years) experience infidelity, where at least one spouse has cheated, according to a 2021 study by Emory University.^1^
– A more general statistic indicates that 20–25% of all marriages experience infidelity at some point.^8^
### Gender Differences in Long-Term Marriages
– Men in long-term marriages of 20+ years show an increased likelihood of extramarital affairs compared to those in newer relationships.^5^
– For married couples overall, approximately 20% of men and 13% of women report having had sex with someone other than their spouse while married.^1,2,4^
– While men are more likely to cheat overall, the gender gap has been narrowing, with women’s infidelity rates increasing by 40% in the last 20 years.^2^
### Age-Related Trends
– Infidelity rates tend to increase with age for married couples. Among those aged 65 or older, 25% of men and 10% of women have cheated on their partner.^7^
– Men’s cheating likelihood tends to increase as they grow older, peaking before age 80, while women’s peak years for infidelity are typically between ages 50-69.^4^
### Factors Contributing to Infidelity in Long-Term Marriages
– Relationship boredom and dissatisfaction often increase over time, with couples experiencing a decline in sexual frequency and quality after many years together.^1^
– Work environments with frequent travel and less supervision create more opportunities for infidelity among men.^5^
– For women, emotional dissatisfaction or feeling neglected are often primary motivations for seeking connections outside their marriages.^5^
### Outcomes of Infidelity in Marriage
– 88% of divorced couples identified infidelity as a major factor in the breakdown of their marriage.^4^
– Despite this, 60-75% of marriages survive infidelity when couples seek professional therapy.^2,3^
– For couples who remain together after an affair and commit to therapy, about 70% report greater marital satisfaction post-therapy than they had pre-affair.^3^
These statistics indicate that while infidelity remains a significant challenge in long-term marriages, it’s not an automatic marriage-ender, and many couples are able to rebuild their relationships with professional help and commitment.
1 Citations
Cheating In Marriage Statistics
https://zipdo.co/cheating-in-marriage-statistics/
zipdo.co
Cheating In Marriage: ZipDo Education Reports 2026
A recent blog post explores the complex demographics and causes of marital infidelity.
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Thank you for the information. How many dogs and cats are permitted in the Town of Brighton, Wisconsin, and the Town of Salem, Wisconsin. Zip Code is 53168 and I live on 7 acres, have a back yard that is fenced, and main house is 5,800 square feet. Thank you.
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How many dogs and cats are allowed in a household in Kenosha County, Wisconsin, Adams County, Wisconsin, Lake County, Illinois, and Cook County, Illinois. Thank you.
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You can contact National Faith Homebuyers directly and ask for their lender list through their main office numbers or contact page. Their contact page lists Detroit/Westland at (313) 255-9500 and Atlanta at (678) 553-3770, and their site also says you can fill out the contact form for more information.
Best way to ask
Say something like: “I’m looking for the approved lender list for National Faith’s down payment assistance program. Which lenders or loan officers can I use?” Their DPA page says the loan must allow secondary financing, so asking for the lender list is the right next step.
Contact details
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Detroit: (313) 255-9500.
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Westland: 313.255.9500.
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Atlanta: (678) 553-3770.
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Tampa: (656) 207-9550.
Website option
You can also use the “Contact Us” page or their program pages, where they direct people to call or submit a contact form.
If you want, I can draft a short call script or email you can send them to request the lender list.
nationalfaith.org
Down Payment Assistance Program | National Faith Homebuyers
Down Payment Loan | Forgivable After 5 Years | 0% Interest | Partnered with Michigan State Housing Development Authority | Contact for More Information
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This guide provides clear, professional information on home purchasing and mortgage options.
Home Purchase and Mortgage Options in New York
Purchasing a home in New York involves both opportunities and challenges. Prices, taxes, closing costs, and loan requirements differ across regions such as New York City, Long Island, Westchester, and upstate. Understanding the home-buying process and available mortgage options is essential before making an offer.
Start by reviewing your finances, including credit history, debts, income, and savings, to determine affordability. Get mortgage pre-approval before viewing properties to set a realistic budget and address financial issues early. With a defined budget, you are ready to make an offer. New York homebuyers have several mortgage options. Conventional loans suit those with strong credit and may allow down payments as low as 3 percent. Larger down payments can lower monthly costs and improve loan terms. FHA loans are popular with first-time buyers because of their flexible credit and down payment requirements. VA loans offer up to 100 percent financing with no down payment for eligible veterans and active-duty military. Jumbo loans are common for properties above standard loan limits and require higher credit scores and larger down payments. Assistance programs, such as those from the State of New York Mortgage Agency (SONYMA), provide down payment assistance and low-interest mortgages. The HomeFirst program in New York City offers down payment and closing cost assistance in all five boroughs. Additional support may be available through local grants or lenders, depending on income, property location, and property type.
After your offer is accepted, the mortgage process moves to final approval, appraisal, and underwriting. The lender reviews your income, assets, credit, and property details. Be prepared for closing costs, including lender, title, and recording fees, as well as prepaid expenses like insurance and property taxes. These costs are often high in New York, so early financial planning is important. Choose a mortgage product that fits your long-term financial goals. Fixed-rate mortgages offer stable monthly payments. Adjustable-rate mortgages may suit those planning to move or refinance soon, though they carry the risk of rising interest rates. Buyers of higher-priced homes will likely need Jumbo financing.
Prospective buyers in New York should compare loan products and choose lenders familiar with the local market. Selecting the right loan and using down payment assistance can improve affordability. A well-planned financing strategy increases the chances of a successful and efficient home purchase, whether it is your first home or a subsequent move.
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Homebuyers in Pennsylvania have many different housing options to choose from, each with its own special appeal.
Affordability: Home prices and property taxes are lower in Pennsylvania than in nearby states, so buyers can get more for their money and afford the home they want.
Geographic Variety:
Pennsylvania offers everything from busy city life in Philadelphia and Pittsburgh to quiet farmland, scenic mountain towns, and welcoming places like Lancaster and Gettysburg. There is something for every lifestyle.
Strong Job Market:
Pennsylvania offers jobs in healthcare, education, finance, and manufacturing. Philadelphia and Pittsburgh both have strong economies, and Pittsburgh is especially known for technology jobs. Top-Tier Education: The state is recognized for its excellent public schools and respected universities, which draw professionals and families.
Rich History and Culture:
Pennsylvania has top museums, a lively arts scene, and a long history as one of America’s first colonies.
Central Location: Pennsylvania’s location along the I-95 corridor makes it easy to reach New York City, Washington, D.C., and Baltimore for work or fun.
Distinct Seasons:
Residents enjoy all four seasons, from colorful fall leaves in the Pocono Mountains to warm summers and snowy winters perfect for skiing.
No Taxes on Retirement Income:
Pennsylvania is a popular choice for retirees because it does not tax Social Security, pensions, or withdrawals from retirement accounts. This helps people keep more of their savings.
With all these benefits, Pennsylvania is a welcoming place for first-time buyers, growing families, retirees, and anyone looking for a lively place to call home.