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🧾 ICE Mortgage Monitor – 2025 Report: Foreclosure and Delinquency Insights

There’s $700 Billion in Listings Just Sitting on the Market—And Nearly Half of It Is Stale InventoryLet’s talk about what’s really happening in today’s housing market.According to new data from Redfin, there’s nearly $700 billion worth of homes sitting on the U.S. market right now—the highest total we’ve ever seen. That’s not just because of rising prices. A big part of it is homes simply not selling. In fact, over $330 billion worth of those listings have been sitting for 60 days or longer.Inventory is piling up. Listings are growing faster than buyers can absorb them. Homes are sitting longer. And even serious buyers are pulling back thanks to affordability issues, high monthly payments, and economic uncertainty.Here’s what the data tells us:Total inventory is up 20.3% year-over-year, the highest since 2012 44% of active listings haven’t sold in 60+ days Homes are taking longer to go under contract—an average of 40 days versus 35 a year ago There are nearly half a million more sellers than buyers in the market Buyers are negotiating harder—and walking away more often Why does this matter?Because this is what a transitional market looks like. We’re coming off the post-pandemic frenzy and entering a slower, more tactical environment. That means opportunity—if you know where to look and how to move.There’s a major mismatch between seller expectations and buyer behavior. Many of these overpriced, lingering listings are quietly turning into distressed situations. And behind those? Defaults, price drops, short sales, and eventually, foreclosures.This is where KW Default Solutions comes in. We’re built for this part of the cycle—helping agents, investors, and teams plug into proven systems for short sales, REOs, BPOs, and auctions.If you want to position your business for what’s coming, now is the time to:✅ Get educated on the default side of the business ✅ Tap into tools, scripts, and partners who know how to navigate it ✅ Learn how to identify and work with motivated sellers before the banks get involvedThe market is shifting. KW Default Solutions is built for this moment. Visit KWDefaultSolutions.com or call/text 888-870-0443 to get plugged in.

There’s $700 Billion in Listings Just Sitting on the Market—And Nearly Half of It Is Stale Inventory

Laguna Niguel suburban community with trees and field in Southern California

<h2>Understanding the Laguna Niguel Real Estate Market</h2>Buying a home in Laguna Niguel, CA, is an exciting endeavor, but it requires a good understanding of the local real estate market. This area is known for its scenic beauty and proximity to the coast, making it a desirable location for many homebuyers. It's essential to familiarize yourself with market trends, such as property values and average time on the market, to make an informed decision.<figure id="figure-25o5gkbtjbmb5g0n1v"><img id="25o5gkbtjbmb5g0n1v" src="https://cdn.durable.co/getty/31vnbcl2LH7hH8mSaFh2qkPWraeWoM59FWWGaacX1v7c4XyMD2AJ5i03toV9vMIJ.jpeg" alt="laguna niguel real estate" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/31vnbcl2LH7hH8mSaFh2qkPWraeWoM59FWWGaacX1v7c4XyMD2AJ5i03toV9vMIJ.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure><h3>Setting Your Budget</h3>Before diving into the home-buying process, establish a clear budget. Consider factors like your current financial situation, potential mortgage rates, and additional costs such as property taxes and maintenance fees. It's wise to consult with a financial advisor or mortgage broker to determine what you can comfortably afford.<h3>Choosing the Right Neighborhood</h3>Laguna Niguel offers a variety of neighborhoods, each with unique characteristics. Whether you prioritize top-rated schools, proximity to parks, or easy access to shopping and dining, there's a neighborhood to suit your needs. Research different areas, visit them at various times of the day, and talk to local residents to get a feel for the community.<figure id="figure-iexp8hr2whmb5g0pjd"><img id="iexp8hr2whmb5g0pjd" src="https://cdn.durable.co/getty/29FO5fh2hbJPHOL5QKm7BXz9yavddVuSBRrfOIopul0xCRKNUSQ3C5xXJymk6GQi.jpeg" alt="laguna niguel neighborhood" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/29FO5fh2hbJPHOL5QKm7BXz9yavddVuSBRrfOIopul0xCRKNUSQ3C5xXJymk6GQi.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure><h2>Working with a Local Real Estate Agent</h2>Partnering with a knowledgeable local real estate agent can be invaluable. An experienced agent will have insights into the Laguna Niguel market and can guide you through every step of the home-buying process. They'll help you find properties that match your criteria and assist in negotiations to ensure you get the best deal.<h3>Conducting Thorough Inspections</h3>Once you've found a potential home, conducting a thorough inspection is crucial. Hire a professional inspector to assess the property's condition and identify any potential issues. This step can save you from unexpected repairs and expenses down the line.<figure id="figure-cfbv7yzylmb5g0t42"><img id="cfbv7yzylmb5g0t42" src="https://cdn.durable.co/getty/397WNCnUAkwdboWOxirkzu7r5NGqLw6WO80NDBaaFTqLrawJSu5DCw7zbN6LRiPl.jpeg" alt="home inspection" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/397WNCnUAkwdboWOxirkzu7r5NGqLw6WO80NDBaaFTqLrawJSu5DCw7zbN6LRiPl.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure><h3>Making an Offer</h3>When you're ready to make an offer, your real estate agent will assist in determining a competitive bid based on comparable properties in the area. Be prepared for negotiations, as sellers may counter your offer. It's important to remain flexible while keeping your budget in mind.<h2>Finalizing the Purchase</h2>After your offer is accepted, you'll enter the closing process. This involves finalizing your mortgage, completing necessary paperwork, and conducting a final walkthrough of the property. Ensure all terms of the purchase agreement are met before closing day.By following these essential tips, you'll be well-prepared to navigate the home-buying process in Laguna Niguel, CA. With careful planning and professional guidance, you'll soon find yourself settling into your dream home in this beautiful coastal community.

Essential Tips for Buying a Home in Laguna Niguel, CA

🧟‍♂️ Zombie Foreclosures Are Rising: What's Driving It, and Where It's Hitting Hardest Published May 29, 2025 Sources: ATTOM, Realtor.com, KW Default SolutionsThe number of zombie foreclosures—residential properties abandoned by their owners before foreclosure is completed—is once again on the rise. According to new data from real estate analytics firm ATTOM, 7,329 pre-foreclosure homes in Q2 2025 are now classified as “zombies,” representing 3.3% of all homes in foreclosure.This marks a modest increase from 2.9% during the same period last year, suggesting a trend that default professionals, investors, and local governments alike should not ignore.&nbsp; 📍 Where Are Zombie Foreclosures Concentrated? Zombie properties are most commonly found in the South and Midwest, particularly in pandemic-era boom states and rural counties. Here’s a look at the states with the biggest year-over-year increases among areas with at least 50 zombie homes:North Carolina: ▲ 52.5% (from 59 to 90) Iowa: ▲ 52.1% (from 71 to 108) Texas: ▲ 51.9% (from 162 to 246) South Carolina: ▲ 43.8% (from 64 to 92) Kansas: ▲ 29% (from 69 to 89) These areas often feature low property values, which can influence both borrower behavior and lender decision-making. In such cases, homeowners may walk away from homes with little equity, while lenders may abandon foreclosures if the resale value doesn’t justify the cost of repossession and maintenance.“In low-value areas, the cost of foreclosing, maintaining, and reselling a home may exceed its market value,” explains Jiayi Xu, economist at Realtor.com®. “Lenders may abandon the process midstream, leaving homes to deteriorate.” &nbsp; 🔍 Highest Vacancy &amp; Zombie Rates by Region Vacancy rates are highest in parts of the South:Oklahoma: 2.4% Kansas: 2.3% Alabama &amp; Missouri: 2.2% West Virginia: 2.1% And when it comes to zombie hotspots, the Midwest dominates:Wichita, KS: 12.1% of pre-foreclosures are zombies Peoria, IL: 11.8% Toledo, OH: 10.2% Cedar Rapids, IA: 10.2% Cleveland, OH: 10% At the ZIP code level, Peoria’s 61605 leads the nation with 51.9% of its pre-foreclosures categorized as zombie properties. Other hard-hit areas include Cleveland’s 44108, Deltona’s 32118, and Tampa’s 33708.&nbsp; ⚠️ Why Zombie Foreclosures Matter Zombie homes aren't just empty—they represent physical and financial decay that can drag down neighborhood property values, invite crime, and reduce local tax revenue.However, it’s not all doom and gloom. According to ATTOM CEO Rob Barber, many of these properties are not sitting vacant for long:“Buyers seem to be scooping up these repossessed homes relatively quickly, so they aren’t sitting empty. Nobody wants to see a return to the days of the 2008 housing crisis.” &nbsp; 🏚️ Opportunity or Trap? Buyer Beware. While zombie foreclosures may present deep discount opportunities, they’re also often sold as-is, without inspections, disclosures, or even access before purchase—particularly in auction settings.Many listings are misleadingly priced low to start bidding (e.g., $1). Long-vacant homes may come with structural damage, pests, or squatters. Always work with professionals who understand foreclosure sales. “Foreclosed properties usually need work to bring them back to life,” says Jeremy Beres of Realty Executives Tri-States. “Make sure to run the numbers before jumping in.” &nbsp; 🔚 Bottom Line The rise in zombie foreclosures is a signal of strain in parts of the housing market—particularly in lower-value, rural, or tax-burdened regions. But it also creates space for strategic investors, housing authorities, and real estate professionals to lean in and lead.&nbsp; 🔗 Powered by KW Default Solutions At KW Default Solutions, we help agents, investors, and institutions navigate REOs, foreclosures, short sales, and distressed property opportunities nationwide. Whether you're looking to expand your default division, connect with institutional sellers, or just get your first BPO assignment—we’ve got the tools, scripts, and training to get you there.📲 Learn more at www.KWDefaultSolutions.com 📅 Book an appointment | 📞 888-980-9820 🧠 Join our next mastermind: View Upcoming Events&nbsp; Sources:ATTOM Q2 2025 Zombie Foreclosure Report Realtor.com Interview commentary via Realtor.com

🧟‍♂️ Zombie Foreclosures Are Rising: What's Driving It, and Where It's Hitting Hardest

📉 The Market Has Shifted: What 490,000 More Sellers Than Buyers Means for Real Estate in 2025The U.S. housing market is undergoing a major transformation.According to a new Redfin report shared by ResiClub’s Lance Lambert, there are now nearly 490,000 more home sellers than buyers—the largest gap in over a decade. Just three years ago, in the midst of the pandemic housing boom, the situation was completely reversed: buyers outnumbered sellers by over 430,000.Fast forward to April 2025, and we’re looking at a market where balance has not just tipped—it’s flipped.🏠 Why the Shift? A few key factors are driving this dramatic change:High mortgage rates continue to challenge affordability for many would-be buyers. Inflated home prices—a hangover from the 2021 surge—are deterring offers, especially when sellers are slow to adjust. Evolving buyer behavior: Today’s buyers are more cautious, strategic, and patient. This shift is being felt most in states like Texas, Florida, Arizona, and Colorado, where inventory is rising, but demand isn’t keeping pace. Homes are sitting on the market longer, and price reductions are becoming the norm rather than the exception.&nbsp; 💼 What This Means for You Whether you're a homeowner, investor, or real estate professional, adapting to this new landscape is essential. At KW Default Solutions, we’re actively working with clients to navigate the realities of today’s housing market:Assisting agents with pricing strategies that reflect current buyer expectations. Helping investors uncover distressed property opportunities. Supporting homeowners through default situations or exploring REO pathways. &nbsp; 📲 Ready to Talk Strategy? When the market shifts, we move with it—not against it. If you’re looking for guidance, strategy, or partnership in navigating this transition, we’re here for you.👉 Visit us at KWDefaultSolutions.com 📞 Call or Text: 888-870-0443Let’s connect on strategy, REOs, or default solutions—and position ourselves to thrive in this new real estate cycle.&nbsp; #HousingMarket #RealEstateTrends #MarketShift #ForeclosureOpportunities #RedfinData #KWDefaultSolutions #RealEstateNews <figure id="figure-maqnsjg4zhmbawhhqv"><img id="maqnsjg4zhmbawhhqv" src="https://media.gettyimages.com/id/2181290246/photo/real-estate-wooden-for-sale-sign-is-displayed-in-front-of-a-house-3d-rendering.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=F56G0B8vfrUUu41CQbuQSl7AvyqHK4Zs0X9-F37XFGk=" alt="Real Estate Wooden For Sale Sign is Displayed in Front of a House. 3d Rendering" title="Real Estate Wooden For Sale Sign is Displayed in Front of a House. 3d Rendering" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/2181290246/photo/real-estate-wooden-for-sale-sign-is-displayed-in-front-of-a-house-3d-rendering.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=F56G0B8vfrUUu41CQbuQSl7AvyqHK4Zs0X9-F37XFGk=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>

📉 The Market Has Shifted: What 490,000 More Sellers Than Buyers Means for Real Estate in 2025

Is It a Buyer’s Market or a Seller’s Market? Here’s What You Need to Know If you’re thinking about buying, selling, or investing, it’s critical to know what kind of market we’re in. Are we in a seller’s market or a buyer’s market? That difference can impact everything—how long a home sits on the market, how much negotiating power you have, and what kind of return you can expect.At KW Default Solutions, our job is to break this down in plain English so you can make smart, confident decisions. Let’s take a look.&nbsp; What Is a Seller’s Market? A seller’s market happens when there aren’t enough homes for sale to meet demand. That means less than six months of inventory on the market. When this happens, buyers compete for fewer properties—and that drives prices up.What this means for you:Homes sell fast Bidding wars are common Sellers can be more selective Prices appreciate What causes a seller’s market?Low inventory (fewer homes available) Strong job growth and economic conditions Lower mortgage rates Easier lending standards Limited new construction If you’re selling in this type of market, it’s a great time to get top dollar. If you’re buying, you’ll need to be aggressive, strategic, and prepared to act fast.&nbsp; What Is a Buyer’s Market? On the flip side, a buyer’s market happens when we have more than seven months of inventory. That means more homes for sale than there are buyers looking. This puts downward pressure on prices and gives buyers the advantage.What this means for you:Homes take longer to sell Prices soften or decline Buyers have more negotiating power Sellers may need to offer incentives What causes a buyer’s market?High inventory levels Slower economy or job loss Higher interest rates Tighter lending standards Oversupply of new homes Buyers in this market can afford to take their time and negotiate better deals. Sellers may need to get creative and price competitively to attract serious offers.&nbsp; Why It Matters Whether you're trying to avoid foreclosure, get out from under a property, or invest in distressed assets—understanding the market dynamic is the first step. At KW Default Solutions, we specialize in helping clients navigate these shifts, especially in the REO, short sale, and foreclosure space.We track inventory levels, price trends, and local data so you don’t have to guess. The goal? Help you buy right, sell smart, and stay ahead of the curve—no matter what kind of market we’re in.&nbsp; Got questions about the current market in your area? Want to know how this affects your options as a homeowner, investor, or agent? Let’s talk. At KW Default Solutions, we’ve helped thousands of families and investors make the right move—and we’re here to help you too. Visit KWdefaultsolutions.com&nbsp;<figure id="figure-xphm1lw7cvmb6wwg6k"><img id="xphm1lw7cvmb6wwg6k" src="https://media.gettyimages.com/id/481457829/photo/dices-cubes-to-trader.jpg?b=1&s=2048x2048&w=0&k=20&c=eU0nVadGY4amNGZC4OH8196W41dwQrIb8olTRt6gXsQ=" alt="Dices cubes to trader." title="Dices cubes to trader." class="object-cover bg-gray-100 " style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionX="undefined" data-positionY="undefined" data-fullWidth="false"/></figure>&nbsp;

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🧾 ICE Mortgage Monitor – 2025 Report: Foreclosure and De...

There’s $700 Billion in Listings Just Sitting on the Mark...

Essential Tips for Buying a Home in Laguna Niguel, CA

🧟‍♂️ Zombie Foreclosures Are Rising: What's Driving It, ...

📉 The Market Has Shifted: What 490,000 More Sellers Than...

Is It a Buyer’s Market or a Seller’s Market? Here’s What ...