Can housing investment expand real supply without intensifying price pressure? Episode 1 of Money & Housing Wednesdays weighs construction, direct assistance and MMT’s inflation constraint.

A nonpartisan guide to the November 3, 2026 election: candidates, party affiliations, judicial contests, Florida amendments, county charter questions and the school levy renewal. District-specific contests vary.

The financial system should do more than recover from crises. A Tuesday opinion series on capital, stability, housing opportunity and AI.

Florida Realtors supplied the $18 million in September campaign contributions identified in October 5 reporting. My first Follow the Money: Florida commentary asks what that funding concentration means—and what it does not prove.

After spotting Miami-Dade police vehicles in Ave Maria, I looked at the county’s history of out-of-county take-home cars—and the unanswered questions about current taxpayer costs.

Insurance is a necessity for many Florida homeowners—but premiums are only part of the decision. I think consumers deserve clearer information about deductibles, exclusions, coverage tradeoffs and the incentives behind the products they are buying.

I support making homeownership more affordable. But before Florida permanently reduces local-government revenue, I think we need to ask what happens to the services that make our communities worth living in—and whether insurance reform and more targeted homeowner relief deserve more attention.

How a HELOC works, why its payment may change, the risks of using a home as collateral, and how it differs from other equity options.

Why mortgage rates and the 10-year Treasury often move in the same direction, why the relationship is not one-to-one, and what borrowers should watch instead.

A practical overview of dwelling, personal-property, liability, loss-of-use, deductible, exclusion, and replacement-cost issues borrowers should review with an insurance professional.

How the note rate affects interest and payment calculations, how APR reflects certain finance charges, and how to compare loan offers using consistent assumptions.

Nine financial changes that can create new documentation, affect qualification, or delay a mortgage file between preapproval and closing.

How flood zones affect lender requirements, why every zone still carries some risk, and what to review about policy limits, timing, elevation, and coverage.

Why the Federal Reserve does not directly set mortgage rates, how policy expectations affect bond markets, and why borrower-specific pricing can still differ.

How mortgage-backed securities, Treasury benchmarks, investor demand, prepayment risk, and lender execution help translate financial markets into consumer mortgage pricing.