{"id":243,"date":"2020-09-03T06:00:00","date_gmt":"2020-09-03T06:00:00","guid":{"rendered":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/"},"modified":"2025-03-13T02:00:41","modified_gmt":"2025-03-13T02:00:41","slug":"fhfa-refinance-fee-delayed-industry-thoughts","status":"publish","type":"post","link":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/","title":{"rendered":"FHFA Refinance Fee Delayed: Industry Thoughts"},"content":{"rendered":"<p style=\"vertical-align: middle;\"><em><span style=\"font-size: 13.0pt; color: #414043;\">Industry experts speak out about new refinance fee.<\/span><\/em><\/p>\n<p><!--more--><\/p>\n<p style=\"vertical-align: middle;\"><span style=\"font-size: 10.0pt; color: black;\">On August 13, the Federal Housing Finance Agency announced it was implementing a 1.5% fee on the loan amount for the majority of Fannie Mae and Freddie Mac refinance loans. This did not sit well with the housing industry, for obvious reasons. Due to this pushback, the fee, which was set to begin Sept. 1, is now delayed to Dec. 31. Also, borrowers with loan balances below $125,000 will be spared the fee. We pulled some of the industry takes on this refinance fee: <\/span><\/p>\n<p style=\"vertical-align: middle;\"><span style=\"font-size: 10.0pt; color: #0060a3;\">Mortgage Banker Association<br \/><\/span><span style=\"font-size: 10.0pt; color: #0060a3;\">President and CEO<br \/>Bob Broeksmit, CMB<\/span><\/p>\n<p style=\"vertical-align: middle;\"><span style=\"font-size: 10.0pt; color: black;\">\u201c[The] announcement by the GSEs (government-sponsored enterprise) flies in the face of the administration\u2019s recent executive actions urging federal agencies to take all measures within their authorities to support struggling homeowners. Requiring Fannie Mae and Freddie Mac to charge a 0.5% fee on refinance mortgages they purchase will raise interest rates on families trying to make ends meet in these challenging times. This means the average consumer will be paying $1,400 more than they otherwise would have paid.&nbsp;<\/span><\/p>\n<p style=\"vertical-align: middle;\"><span style=\"font-size: 10.0pt; color: black;\">\u201cThe housing market has been able to withstand many of the most severe effects <\/span><span style=\"font-size: 10.0pt; color: black;\">of the COVID-19 pandemic. The recent refinance activity has not only helped homeowners lower their monthly payments, but it is also reducing risk to the GSEs and taxpayers. At a time when the Federal Reserve is purchasing $40 billion <\/span><span style=\"font-size: 10.0pt; color: black;\">in agency MBS (mortgage-backed securities) per month to help reduce financing costs for mortgage borrowers to support the broader economy, this action raises those costs and under-mines the Federal Reserve\u2019s policy.<\/span><\/p>\n<p style=\"vertical-align: middle;\"><span style=\"font-size: 10.0pt; color: black;\">\u201cThis announcement is bad for our nation\u2019s homeowners and the nascent economic recovery. We strongly urge FHFA, which had to approve this policy, to withdraw this ill-timed, misguided directive.\u201d<\/span><\/p>\n<p style=\"vertical-align: middle;\"><span style=\"font-size: 10.0pt; color: #0060a3;\">National Assoc. of Realtors<sup>\u00ae<br \/><\/sup><\/span><span style=\"font-size: 10.0pt; color: #0060a3;\">Vince Malta, President<\/span><\/p>\n<p style=\"vertical-align: middle;\"><span style=\"font-size: 10.0pt; color: black;\">The Federal Housing Finance Agency has <\/span><span style=\"font-size: 10.0pt; color: black;\">announced a new mortgage refinancing<\/span><span style=\"font-size: 10.0pt; color: black;\"> fee that could cost homeowners about $1,500 extra on a $300,000 loan. The fee is the absolute wrong policy at the wrong time. It directly contravenes the administration\u2019s own directives for federal agencies to do no harm to homeowners during the coronavirus crisis. It is especially troubling since the GSEs use their profits from refinances to support homebuyers in underserved markets\u2014meaning those communities already suffering the most will be harmed the most by this action. Home values and residential real estate are a rock for the American economy right now. We should do everything we can to lower costs for households during this crisis, not make homeownership more expensive.\u201d<\/span><span style=\"font-size: 10.0pt; color: black;\">&nbsp;<\/span><\/p>\n<p style=\"vertical-align: middle;\"><span style=\"font-size: 10.0pt; color: black;\">It would appear that the FHFA is trying to slow down the current mortgage refinance market. Time will tell. <\/span><\/p>\n<p><span style=\"font-size: 10.0pt; color: black;\">To read the original memo, go to <a href=\"https:\/\/guide.freddiemac.com\/app\/guide\/bulletin\/2020-32\">https:\/\/guide.freddiemac.com\/app\/guide\/bulletin\/2020-32<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Industry experts speak out about new refinance fee.<\/p>\n","protected":false},"author":15802,"featured_media":4822,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3255],"tags":[],"coauthors":[],"class_list":["post-243","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>FHFA Refinance Fee Delayed: Industry Thoughts<\/title>\n<meta name=\"description\" content=\"FHFA Refinance Fee Delayed: Industry Thoughts\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FHFA Refinance Fee Delayed: Industry Thoughts\" \/>\n<meta property=\"og:description\" content=\"FHFA Refinance Fee Delayed: Industry Thoughts\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/\" \/>\n<meta property=\"og:site_name\" content=\"RealTrends - Blog\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tracey Velt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@traceyveltFL\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tracey Velt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/\"},\"author\":{\"name\":\"Tracey Velt\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/db05dddc94c61082eaa18f2f5e66c788\"},\"headline\":\"FHFA Refinance Fee Delayed: Industry Thoughts\",\"datePublished\":\"2020-09-03T06:00:00+00:00\",\"dateModified\":\"2025-03-13T02:00:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/\"},\"wordCount\":455,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\",\"articleSection\":[\"Archive\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#respond\"]}],\"isAccessibleForFree\":\"False\",\"hasPart\":{\"@type\":\"WebPageElement\",\"isAccessibleForFree\":\"False\",\"cssSelector\":\".wp-block-housingwire-piano-member\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/\",\"url\":\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/\",\"name\":\"FHFA Refinance Fee Delayed: Industry Thoughts\",\"isPartOf\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\",\"datePublished\":\"2020-09-03T06:00:00+00:00\",\"dateModified\":\"2025-03-13T02:00:41+00:00\",\"description\":\"FHFA Refinance Fee Delayed: Industry Thoughts\",\"breadcrumb\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#primaryimage\",\"url\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\",\"contentUrl\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\",\"width\":1200,\"height\":675,\"caption\":\"9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.realtrends.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FHFA Refinance Fee Delayed: Industry Thoughts\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#website\",\"url\":\"https:\/\/www.realtrends.com\/blog\/\",\"name\":\"RealTrends - Blog\",\"description\":\"Empowering Real Estate Decisions with Trusted Insights.\",\"publisher\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.realtrends.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#organization\",\"name\":\"RealTrends - Blog\",\"url\":\"https:\/\/www.realtrends.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/cropped-RTV_Horizontal_logo_Blue.png\",\"contentUrl\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/cropped-RTV_Horizontal_logo_Blue.png\",\"width\":2321,\"height\":227,\"caption\":\"RealTrends - Blog\"},\"image\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/db05dddc94c61082eaa18f2f5e66c788\",\"name\":\"Tracey Velt\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/image\/9b3cf1be6b1fb876ab0bd60ce0a485d0\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g\",\"caption\":\"Tracey Velt\"},\"description\":\"Tracey Velt is the Senior Director of Data &amp; Content. She is the host of the popular RealTrending podcast, manages content for the real estate team and The Gathering and leads editorial and sponsored research across the HW Media brands. Tracey has more than 25 years of experience writing and editing for the real estate industry and is the former editor in chief of Florida Realtor magazine. She resides in Florida.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/traceyvelt\/\",\"https:\/\/x.com\/traceyveltFL\"],\"url\":\"https:\/\/www.realtrends.com\/blog\/author\/tracey-velt\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"FHFA Refinance Fee Delayed: Industry Thoughts","description":"FHFA Refinance Fee Delayed: Industry Thoughts","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/","og_locale":"en_US","og_type":"article","og_title":"FHFA Refinance Fee Delayed: Industry Thoughts","og_description":"FHFA Refinance Fee Delayed: Industry Thoughts","og_url":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/","og_site_name":"RealTrends - Blog","og_image":[{"width":1200,"height":675,"url":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","type":"image\/png"}],"author":"Tracey Velt","twitter_card":"summary_large_image","twitter_creator":"@traceyveltFL","twitter_misc":{"Written by":"Tracey Velt","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#article","isPartOf":{"@id":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/"},"author":{"name":"Tracey Velt","@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/db05dddc94c61082eaa18f2f5e66c788"},"headline":"FHFA Refinance Fee Delayed: Industry Thoughts","datePublished":"2020-09-03T06:00:00+00:00","dateModified":"2025-03-13T02:00:41+00:00","mainEntityOfPage":{"@id":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/"},"wordCount":455,"commentCount":0,"publisher":{"@id":"https:\/\/www.realtrends.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#primaryimage"},"thumbnailUrl":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","articleSection":["Archive"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#respond"]}],"isAccessibleForFree":"False","hasPart":{"@type":"WebPageElement","isAccessibleForFree":"False","cssSelector":".wp-block-housingwire-piano-member"}},{"@type":"WebPage","@id":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/","url":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/","name":"FHFA Refinance Fee Delayed: Industry Thoughts","isPartOf":{"@id":"https:\/\/www.realtrends.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#primaryimage"},"image":{"@id":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#primaryimage"},"thumbnailUrl":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","datePublished":"2020-09-03T06:00:00+00:00","dateModified":"2025-03-13T02:00:41+00:00","description":"FHFA Refinance Fee Delayed: Industry Thoughts","breadcrumb":{"@id":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#primaryimage","url":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","contentUrl":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","width":1200,"height":675,"caption":"9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d"},{"@type":"BreadcrumbList","@id":"https:\/\/www.realtrends.com\/blog\/2020\/09\/03\/fhfa-refinance-fee-delayed-industry-thoughts\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.realtrends.com\/blog\/"},{"@type":"ListItem","position":2,"name":"FHFA Refinance Fee Delayed: Industry Thoughts"}]},{"@type":"WebSite","@id":"https:\/\/www.realtrends.com\/blog\/#website","url":"https:\/\/www.realtrends.com\/blog\/","name":"RealTrends - Blog","description":"Empowering Real Estate Decisions with Trusted Insights.","publisher":{"@id":"https:\/\/www.realtrends.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.realtrends.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.realtrends.com\/blog\/#organization","name":"RealTrends - Blog","url":"https:\/\/www.realtrends.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/cropped-RTV_Horizontal_logo_Blue.png","contentUrl":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/cropped-RTV_Horizontal_logo_Blue.png","width":2321,"height":227,"caption":"RealTrends - Blog"},"image":{"@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/db05dddc94c61082eaa18f2f5e66c788","name":"Tracey Velt","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/image\/9b3cf1be6b1fb876ab0bd60ce0a485d0","url":"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g","caption":"Tracey Velt"},"description":"Tracey Velt is the Senior Director of Data &amp; Content. She is the host of the popular RealTrending podcast, manages content for the real estate team and The Gathering and leads editorial and sponsored research across the HW Media brands. Tracey has more than 25 years of experience writing and editing for the real estate industry and is the former editor in chief of Florida Realtor magazine. She resides in Florida.","sameAs":["https:\/\/www.linkedin.com\/in\/traceyvelt\/","https:\/\/x.com\/traceyveltFL"],"url":"https:\/\/www.realtrends.com\/blog\/author\/tracey-velt\/"}]}},"jetpack_featured_media_url":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/posts\/243","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/users\/15802"}],"replies":[{"embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/comments?post=243"}],"version-history":[{"count":1,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/posts\/243\/revisions"}],"predecessor-version":[{"id":5031,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/posts\/243\/revisions\/5031"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/media\/4822"}],"wp:attachment":[{"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/media?parent=243"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/categories?post=243"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/tags?post=243"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/coauthors?post=243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}