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    <title>The Listing</title>
    <link>https://claycreekltd.com/</link>
    <description>The American housing market read plainly: prices, mortgage rates, rents and supply, and what each actually means for a house or a small portfolio.</description>
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      <title>The Number That Actually Moves Your Mortgage Rate</title>
      <link>https://claycreekltd.com/posts/the-number-that-actually-moves-your-mortgage-rate-09-20/</link>
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      <description>Mortgage rates hinge less on the Fed than on a spread over Treasury yields — and a war in the Middle East.</description>
      <pubDate>Sun, 20 Sep 2026 00:00:00 GMT</pubDate>
      <category>mortgages</category>
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      <title>The 8% vs 6% Question Is Really About the Spread</title>
      <link>https://claycreekltd.com/posts/the-8-vs-6-question-is-really-about-the-spread-09-19/</link>
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      <description>Mortgage rates could go either way this year — but the number that actually decides it isn&apos;t the Fed rate, it&apos;s the spread.</description>
      <pubDate>Sat, 19 Sep 2026 00:00:00 GMT</pubDate>
      <category>mortgages</category>
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      <title>Months of supply tells you more than price ever will</title>
      <link>https://claycreekltd.com/posts/months-of-supply/</link>
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      <description>Price is the lagging indicator everyone quotes. Inventory divided by sales pace moves first and moves honestly.</description>
      <pubDate>Thu, 17 Sep 2026 00:00:00 GMT</pubDate>
      <category>prices</category>
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      <title>What actually kills deals, ranked</title>
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      <description>Financing gets the blame. Appraisal gaps and inspection renegotiations end more contracts than declined loans.</description>
      <pubDate>Sun, 06 Sep 2026 00:00:00 GMT</pubDate>
      <category>prices</category>
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      <title>Your neighbourhood&apos;s median rent is probably wrong</title>
      <link>https://claycreekltd.com/posts/rent-medians-mislead/</link>
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      <description>Listing medians measure what is available, not what people pay. In a tight market those diverge badly.</description>
      <pubDate>Thu, 27 Aug 2026 00:00:00 GMT</pubDate>
      <category>rentals</category>
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      <title>The rate lock-in effect is the supply story</title>
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      <description>Millions of owners hold mortgages well below market. Moving means repricing the debt, so they do not move.</description>
      <pubDate>Tue, 18 Aug 2026 00:00:00 GMT</pubDate>
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