Mindblown: a blog about philosophy.

  • Will the Housing Market Rebound? Predictions for 2025 and 2026

    Will the Housing Market Rebound? Predictions for 2025 and 2026

    The U.S. housing market is expected to see gradual growth through late 2025 and into 2026, with no major price drops on the horizon. Existing-home sales rose 2% in July 2025, inventory is up 15.7% year-over-year, and the median price is holding steady at $422,400. Mortgage rates, a key driver of affordability, are projected to…

  • Which Roof Trends Dominate America in 2025?

    Which Roof Trends Dominate America in 2025?

    Weather-resilient roofs like Class 4 shingles protect against hail, high winds, and severe storms. Solar-ready and cool roofing materials reduce heat absorption, cutting energy costs and future-proofing homes. Eco-friendly roofing options include recycled shingles, recyclable metals, and living green roofs for sustainability. Bold roof colours and modern designs give homes contemporary curb appeal beyond traditional…

  • PROS & CONS: Tapping into your home equity

    Home equity loans and lines of credit allow borrowing against your home's value but carry risks, including losing your home if payments aren't made. Use equity strategically for high-interest debt or home improvements that increase value. Avoid using it for non-essential expenses. Only consider borrowing in significant emergencies and ensure you can repay to prevent…

  • Do New Roofs Save Money and Energy?

    Do New Roofs Save Money and Energy?

    Impact-resistant shingles and metal roofs extend roof life while safeguarding against costly storm damage. Solar-compatible roofs allow easier renewable energy adoption, even for homeowners not installing panels yet. Cool roofing systems lower household cooling bills while improving long-term energy efficiency. Sustainable roofing choices reduce environmental impact and support eco-conscious Real Estate investments. Integrated roofing technology…

  • Homeowner Equity Grows Even as Home Prices Dip

    Homeowner Equity Grows Even as Home Prices Dip

    After 3 quarters of slipping, equity-rich homes finally ticked up in Q2 2025. ~50% of U.S. homes with mortgages are now equity-rich. Equity-rich = owing less than 50% of your home’s value. In just one quarter, equity-rich homes jumped from 46.2% to 47.4% nationwide. Even if home prices stall, equity can still grow—and that’s good…

  • 7 Energy Conserving Upgrades That Can Increase Home Value

    Home improvements that enhance energy efficiency can save money and increase home value. Key upgrades include replacing old windows, which can yield a 60-80% ROI, and updating insulation for 100% cost recovery. Smart thermostats can lower utility bills by 8%, while new appliances may boost home value by 6-8%. Xeriscaping reduces water usage and offers…

  • Are We Ever Getting Lower Mortgage Rates in 2025?

    Are We Ever Getting Lower Mortgage Rates in 2025?

    Inflation just ticked up to 2.7% — so yeah, mortgage rates might follow suit. Hopes for a Fed rate cut this month? Pretty much gone after June's CPI data. Tariffs are back on the table Aug 1 — and could quietly push rates even higher. New tax law = mixed bag: bigger deductions help homeowners,…

  • How High Will Home Prices Go by 2028?

    How High Will Home Prices Go by 2028?

    Experts project US home prices ↑ 15.2% cumulatively by the end of 2028. Optimistic forecasts expect ↑ 24.3% cumulative growth by 2028, driven by strong demand and limited inventory. Pessimistic estimates show only ↑ 5.6% growth, citing high rates and affordability as key barriers. The wide forecast range signals ongoing uncertainty in mortgage rates, supply,…

  • Is the 2025 Q3 Housing Market Losing Heat?

    Is the 2025 Q3 Housing Market Losing Heat?

    Q3 typically sees 1.48M home sales, but high rates and low affordability are cooling activity. Experts expect mortgage rates to stay between 6.5% and 7% through Q3.

  • State program gives homeowners $10,000 to fortify their roofs. Do you qualify?

    Oklahoma's Insurance Department offers the Strengthen Oklahoma Homes program, providing up to $10,000 to homeowners for roof fortification against wind and hail. Eligible primary residences must be insured, generally in good repair, and located in one of 63 selected zip codes. Priority is given to households earning $62,138 or less. The program aims to reduce…

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