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ARTICLE · 24 JANUARY 2024

Keys To Unlocking Value In US Housing

Mayer Brown
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As we begin 2024, the housing market is in uncharted waters, with plummeting housing starts, new listings at historic lows, mortgage interest rates up sharply over the past two years and a marked decrease in homes for sale.

United StatesFinance and Banking
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As we begin 2024, the housing market is in uncharted waters, with plummeting housing starts, new listings at historic lows, mortgage interest rates up sharply over the past two years and a marked decrease in homes for sale. These conditions have burdened nearly all industries whose success is highly correlated with an active housing market, such as mortgage lending and real estate services, as well as related verticals like storage and home improvement. Given this context, it's no surprise that some of the more esoteric corners of the housing market, such as home equity, mortgage servicing and residential transitional lending, are having their day.

Inevitably, this cycle, like every other one before it, will reverse when interest rates moderate and unleash years of pent-up demand for home sales and purchases, mortgage refinancing and new housing starts. According to the National Association of Realtors, the US is still short 5-6 million units of available housing.

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This Mayer Brown article provides information and comments on legal issues and developments of interest. The foregoing is not a comprehensive treatment of the subject matter covered and is not intended to provide legal advice. Readers should seek specific legal advice before taking any action with respect to the matters discussed herein.

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