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The summer is usually a peak time for the housing market, but rising prices and still-high mortgage rates have kept demand relatively low. See more mortgage rates on Zillow Real Estate on ZillowMortgage Refinance Rates TodayMortgage type Average rate today This information has been provided by Zillow. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's interest rates will affect your monthly payments. 30-Year Fixed Mortgage RatesLast week's average 30-year fixed mortgage rate was 6.78%, according to Freddie Mac. Mortgage rates increased dramatically over the last two years, but they're expected to go down at some point this year.

Persons: Freddie Mac, Sam Khater, Freddie Mac's, you'll, it's Organizations: Federal Reserve, National Association of Realtors, Zillow Locations: Chevron

☆ Samsung hints at new products as it bets on AI to drive upgrades to its latest foldable phones
▼ + stars: | 2024-07-26 | by ( Arjun Kharpal | ) www.cnbc.com time to read: +6 min

Samsung unveiled a slew of new products including foldable smartphones, new smartwatches and the Galaxy Ring. "I believe strongly that these Galaxy AI, mobile AI are strong motivation and driver for purchase of new products," he added. Still, many analysts don't expect these early AI apps alone to drive new phones sales. So we're going to provide and enhance Samsung software and apps for consumers," Roh said. He said that the hardware components required for foldable smartphones are improving, as is the relevant software.

Persons: Roh, Arjun Kharpal, Bixby, we'll Organizations: Galaxy, Samsung, CNBC, Samsung Electronics, Galaxy AI, Apple Intelligence, Apple, Google, Korean Locations: Paris, France, U.S, China

☆ Honeywell drops on cuts to guidance. Here's why it may provide an opportunity
▼ + stars: | 2024-07-25 | by ( Zev Fima | ) www.cnbc.com time to read: +17 min

It also came in above the high end of management's guidance. But here's the root of Thursday's selling: Honeywell downwardly revised its full-year guidance for segment margin, earnings per share, and cash flow guidance. The changes are tied to the inclusion of previously closed and announced acquisitions, as well as a slower-than expected-rebound for short-cycle businesses. Unfortunately, despite some "pockets of short-cycle strength," other short-cycle businesses "are not accelerating as much as we had hoped," CFO Greg Lewis said on the call. But here's the root of Thursday's selling: Honeywell downwardly revised its full-year guidance for segment margin, earnings per share, and cash flow guidance.

Persons: Honeywell downwardly, Greg Lewis, Vimal, Lewis, abate, Jim Cramer's, Jim Cramer, Jim, Daniel Barry Organizations: Honeywell, Revenue, LSEG, Emerson, Aerospace Technologies, Management, Aerospace, Automation, Carrier's, Solutions, CAES Systems Holdings, Air Products, Industrial Automation, Energy, Sustainability Solutions, CNBC, Bloomberg, Getty Locations: UOP, Morristown , New Jersey

☆ Britain will soon lay out new plans to regulate 'buy now, pay later' firms like Klarna after delays
▼ + stars: | 2024-07-25 | by ( Ryan Browne | ) www.cnbc.com time to read: +2 min

Buy now, pay later firms like Klarna and Block's Afterpay could be about to face tougher rules in the U.K.Britain's new Labour government will soon set out updated plans to regulate the "buy now, pay later" industry, a government spokesperson told CNBC. "Regulating Buy Now Pay Later products is crucial to protect people and deliver certainty for the sector," the Treasury spokesperson told CNBC via email Thursday. The government first set out plans to regulate the sector in 2021. BNPL plans are flexible credit arrangements that enable a consumer to purchase an item and then pay off their debt at a later date. Most plans charge customers a third of the purchase value up front, then take the remaining payments the following two months.

Persons: Block's, Tulip Siddiq, Siddiq, Keir Starmer's, Christopher Woolard, BNPL, — Organizations: Labour, CNBC, Treasury, . Treasury, Keir Starmer's Labour Party, Financial Locations: Britain

Average 30-year mortgage rates continue to hover in the mid-6% range after dropping earlier this month, according to Zillow data. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. 30-Year Fixed Mortgage RatesThe average 30-year fixed mortgage rate was 6.77% last week, according to Freddie Mac. 15-Year Fixed Mortgage RatesLast week, average 15-year mortgage rates were 6.05%, a 12-basis-point decrease from the previous week, according to Freddie Mac data. Once the Fed cuts rates, mortgage rates should fall even further.

Persons: homebuyers, myFICO, you'll, Freddie Mac, it's Organizations: Federal Reserve, Zillow Locations: Chevron

Best Grocery Credit Cards of 2024Introduction to Grocery Credit CardsIf you spend a lot of money on groceries, using a rewards credit card that offers bonus rewards at the supermarket makes sense to maximize this necessary expense. Note that credit card lenders may use many different variations of credit score models when considering your application. The ones reviewed here are the best grocery credit cards in 2024, according to Business Insider's team of credit card experts. Best for Cash Back on Groceries With No Annual Fee: Capital One SavorOne Cash Rewards Credit CardBest for cash back on groceries with no annual fee Capital One SavorOne Cash Rewards Credit Card Apply now lock icon An icon in the shape of lock. Best Credit Card for Groceries Frequently Asked QuestionsAre grocery credit cards worth it?

Persons: Rose Gold, Uber Cash, Uber, you'll, Chase, —, airfare, Read, Cash, Cardholders, cardholders Organizations: Business Insider, Citi, Premier, Card, Express, American, Chase Travel, Chase, Sapphire, Hotel, FDIC, CitiTravel.com, EV, Citi Strata Premier, Disney, Uber, Capital One Entertainment, Capital, Walmart, Target, Foods, Amazon, Amazon.com, Visa, Business, Supermarkets, U.S, American Express, Pharmacy, Costco Locations: U.S, AmexTravel.com

☆ Retailers are losing $100 billion a year from 'friendly fraud,' report finds — and sometimes it's an accident
▼ + stars: | 2024-07-25 | by ( Genna Contino | ) www.cnbc.com time to read: +3 min

Man sits on a sofa in his living room and uses a credit card to pay online. Stefanikolic | E+ | Getty ImagesFriendly fraud is a broad termCredit card experts say identifying friendly fraud can be difficult. "We look at the number of accounts, number of disputes, number of overturned disputes, number of closed accounts. Looking at Socure's research, $89 billion of the $100 billion attributed to this type of fraud is lost by merchants. The remainder comes from credit card fraud loss ($18 billion) and the dispute resolution from the top 15 U.S. banks.

Persons: Robert Painter, Chi Chi Wu, That's, Wu, Johnny Ayers, Ayers, Domenic Cirone Organizations: Getty, National Consumer Law, Merchant Risk Council Locations: U.S

☆ An opportunity may be emerging in this beaten-down potato stock. Using options to capitalize
▼ + stars: | 2024-07-25 | by ( Michael Khouw | ) www.cnbc.com time to read: +5 min

Lamb Weston was the worst-performing stock in the S & P 500 on Wednesday on the back of disappointing quarterly results. The Idaho-based supplier of frozen potato, sweet potato, appetizer and vegetable products to restaurants said fully diluted earnings per share fell more than 70% from the year-earlier period. Consequently, the stock price fell over 28% on Wednesday. At ~ 1.2x price to sales, Lamb Weston is the cheapest it has been in the past ten years. Some of that increase is justifiable; the company demonstrated considerably higher operating volatility than they or investors expected, and the debt-to-equity increase as a function of the stock price decline is also a contributor.

Persons: Lamb Weston, they're, Berkshire Hathaway, Charlie Munger Organizations: Berkshire, CNBC, NBC UNIVERSAL Locations: Idaho

☆ China to use ultra-long bonds for consumer, trade-in policy support as worries about retail sales slump grow
▼ + stars: | 2024-07-25 | by ( Evelyn Cheng | ) www.cnbc.com time to read: +3 min

CNBC | Evelyn ChengSHANGHAI — China on Thursday announced its most targeted measures yet for boosting consumption, which has remained lackluster since the Covid-19 pandemic. Authorities announced they would allocate 300 billion Chinese yuan ($41.5 billion) in ultra-long special government bonds to expand an existing trade-in and equipment upgrade policy. He noted how the new policy links Beijing's ultra-long bond program — announced in March — with consumption. The National Development and Reform Commission on Thursday then announced the expanded policy to support consumption. He noted that the 300 billion yuan designation also reflects "a new way of thinking" which can have impact at scale.

Persons: Evelyn Cheng, Zong Liang, —, Zong, Bruce Pang Organizations: CNBC, Thursday, Authorities, National Development, Reform, Ministry of Finance, Bank of, People's Bank of Locations: Evelyn Cheng SHANGHAI, China, People's Bank of China, JLL

☆ Boomers who want to transfer wealth to their adult kids should make sure their finances can pass a stress test
▼ + stars: | 2024-07-25 | by ( Kelsey Vlamis | ) www.businessinsider.com time to read: +5 min

So, how do you know if you're in a position to be able to start passing down your wealth? But even average baby boomers, who have a net worth of around $1 million, are getting in on early wealth transfers. Griffith said the first thing someone should do before transferring wealth is to look at their retirement resources and do something she calls a "stress test." That includes considering what the portfolio might look like when the markets are most volatile and declining. Griffith said a wealth advisor can help complete a stress test using specific software that looks at various simulations of what could happen to a person's finances.

Persons: boomers, Michelle Griffith, Griffith, it's Organizations: Service, Business, Financial, Citi, Wealth Management

☆ Many early-adopting EV owners around the world want to gas up again
▼ + stars: | 2024-07-25 | by ( Kaya Ginsky | ) www.cnbc.com time to read: +6 min

Many U.S. EV owners, in particular, are having second thoughts. EV adoption has slowed in the U.S., even as the recent earnings and delivery reports from both GM and Ford showed sizable increases in EV sales. Ford said EV sales were up 60%, to nearly 24,000 units, but CEO Jim Farley described a "more realistic and sharpened" EV plan during its earnings call. Drury said that some distinctions are becoming clear between all EV owners and those who are most satisfied. As battery range and density increase, and EV charging infrastructure improves, and prices continue down, Brauer said the picture should brighten for EV sales.

Persons: Scott Olson, Ford, Jim Farley, Tesla, Mary Barra, Edmunds, EVs, Ivan Drury, it's, I'm, Drury, Karl Brauer, they're, Brauer, Barra Organizations: Getty, McKinsey, U.S, EV, GM, Ford, Gallup, CNBC, ICE Locations: Chicago , Illinois, ICEs, Australia, Brazil, China, Germany, Norway, France, Italy, South Korea, U.S, , California

☆ Credit Card Rewards Are Making Us Jerks, Causing Fights Among Friends
▼ + stars: | 2024-07-25 | by ( Emily Stewart | ) www.businessinsider.com time to read: +15 min

He's not doing all this out of the kindness of his heart; he's doing it because he wants the credit-card rewards. In a recent poll from Ipsos, 71% of Americans surveyed said they had some sort of rewards, points, or cash-back card, and 80% of those with such a card said they valued their rewards. But maybe we love our credit-card rewards too much, to the point that it's making us act in less-than-ideal ways toward those we hold near and dear. But credit-card rewards are, indeed, making things uncomfortable. I recently booked a fight with a friend who remarked she'd gotten some $300 in travel credit from her rewards card.

Persons: Pam, she's, It's, He's, Jane, Joe, there's, Mary fuming, Matt Schulz, Taylor Swift, I'm, Jen, who's, She'd, nonpoints, Emily Thompson, Guy, they'd, Ted Rossman, —, Danielle Bayard Jackson, she'd, Thompson, I'd, Matt, " Schulz, LendingTree, they've, Emily Stewart Organizations: brunch, LendingTree, American, Business Locations: San Francisco, Ipsos, Singapore, Chicago, Alaska, Florida

☆ I'm a public school teacher trying to save money for grad school. I'm on my parents' phone plan and they pay for my tickets to see them.
▼ + stars: | 2024-07-24 | by ( Jacqueline Lekachman | ) www.businessinsider.com time to read: +4 min

Swiping through photos of the renovated Manhattan apartment her parents had just purchased for her, I felt a twinge of longing. AdvertisementBeing a public school teacher can make New York City really expensiveI pay for my own rent, utilities, healthcare, food, clothes, entertainment, and other expenses — which add up in New York. As a result, I budget and invest my money seriously because, let's face it, I'm not rolling in cash as a 23-year-old public school teacher. My parents' approach means I'm thoughtful when spending moneyDespite challenges, though, I appreciate that my parents encourage my financial independence. But ultimately I know my parents' expectations are fair and well-intentioned.

Persons: I'm, they're, Uber Organizations: Service, Netflix, NYC Locations: Manhattan, Pittsburgh, New York City, New York

☆ UniCredit tops profit forecast, buys cloud-based bank
▼ + stars: | 2024-07-24 | by ( ) www.cnbc.com time to read: +1 min

Italian bank UniCredit on Wednesday posted better-than-expected second quarter profit and said it was buying a Belgian digital bank with its own cloud-based IT platform for 370 million euros ($401 million). UniCredit said the purchase of Belgian bank Aion and its cloud-based core banking system Vodeno would add a team of 200 engineers, developers and data scientists. To address this, UniCredit's rival Intesa Sanpaolo for example is partnering with British cloud banking technology provider ThoughtMachine. "The transaction represents one of the first moves by a bank to acquire full ownership of a new technology (without any dependencies from third party core banking providers)," UniCredit said. Net profit in the second quarter rose 5% from the previous three months to 2.7 billion euros, surpassing a 2.4 billion euro average forecast from analysts polled by the bank as revenues held up better than anticipated.

Persons: Andrea Orcel, UniCredit, Banks, Intesa Sanpaolo Organizations: UniCredit, UBS, Banco, Belgian Locations: Belgian, Aion

☆ Tesla keeps touting future plans. But without specific details, investors aren't buying it.
▼ + stars: | 2024-07-24 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

In today's big story, we're looking at another Tesla earnings report that was light on details about big future plans . The approach worked well last quarter when Tesla's earnings report was even worse than expected . However, big-picture plans without concrete details fell flat for investors this time around. It's Tesla's silver lining amid the EV market slowdown. But as beneficial as competitors were to Tesla this quarter, others seem to be gearing up for battle.

Persons: Jordan Strauss, Chelsea Jia Feng, Elon, Katherine Tangalakis, Hannah Getahun, that's, —, Musk, Toby Melville, BI's Nora Naughton, It's, BI's Jordan Hart, Sundar Pichai, Waymo, Jenny Chang, Rodriguez, Wall, Keith Lerner, Ed Yardeni, Michael M, Tyler Le, Jensen Huang, Rebecca Zisser, Biden, Benjamin Netanyahu, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, Annie Smith, Amanda Yen Organizations: Business, Chelsea, AP, Tesla, Getty, BI Supply, Nvidia, Big Tech, Hollywood, AWS, Microsoft, Paramount, Digital, Google, IBM, Ford Motors, Samsung, Galaxy, The Locations: Waymo, San Francisco, Phoenix, New York, Paris, London

☆ ‘It’s a fundamental truth’ that the narcissist in your life won’t change, says psychologist who’s treated 50 of them
▼ + stars: | 2024-07-24 | by ( Aditi Shrikant | ) www.cnbc.com time to read: +4 min

The path to change for someone with narcissistic personality disorder is more narrow than previously perceived, according to a new report published in Psychological Bulletin. "For the longest time it always felt defeatist to take the stance that people with narcissistic personality disorder don't change," she says. "It doesn't feel fair, and it's hard, but it's a fundamental truth that they don't change." "The more maladaptive a personality the less likely they are to change," Durvasula says. Instead of expecting a narcissist to change, Durvasula advises those in relationships with them to seek professional help.

Persons: Ramani, It's, who’s, Durvasula, Durvasula hasn't, I've, that's Organizations: Psychological Bulletin, Hallmark, NPD, CNBC Locations: Los Angeles

Opening a U.S. Bank Checking AccountYou can open a U.S. Bank checking account online or at a branch. Chase Bank ReviewU.S. Bank Checking Accounts vs. Wells Fargo Checking AccountsThere are four Wells Fargo checking accounts, including a checkless bank account similar to the U.S. Bank Safe Debit account. Wells Fargo ReviewWhy You Should Trust Us: How We Reviewed U.S. Bank Checking AccountsWe used our checking account methodology to review the two U.S. Bank checking accounts. U.S. Bank Checking FAQsWhat makes U.S. Bank checking accounts attractive to customers? A U.S. Bank checking account may attract new customers who want a top checking account bonus.

Persons: You'll, U.S . Bank Overdraft, It's, Wells, you'll Organizations: U.S, Bank, U.S . Bank, . Bank, Bank Smart, Start Banking U.S, Branch, Overdraft Protection U.S . Bank, overdrafts, Federal Insurance U.S, FDIC, U.S . Bank Mobile, Pinnacle, U.S . Bank Smart Rewards, Apple, Google, Banking, Consular, Bank Customer Service, Chase Bank Review U.S, Business, Bank Smart Rewards, Chevron, Samsung, PayPal, Garmin Locations: Midwest, West Coast, U.S, overdrafts, Wells Fargo, Chevron

☆ Major global chip equipment makers' China revenue share has doubled since U.S. imposed export controls
▼ + stars: | 2024-07-24 | by ( Evelyn Cheng | ) www.cnbc.com time to read: +1 min

BEIJING — Four of the world's largest semiconductor equipment manufacturers, including ASML , have seen the share of their China revenue more than double since late 2022, Bank of America analysts said in a report Monday. "China accelerated its purchase of semi manufacturing equipment since the U.S. imposed tighter export restrictions in October 2022, aiming to develop its own semi manufacturing capability," the report said. The research found the companies' China revenue more than doubled from 17% of their total revenue in the fourth quarter of 2022 to 41% in the first quarter of 2024. The U.S. in October 2022 started imposing sweeping export controls on U.S. sales of advanced semiconductors and related manufacturing equipment to China. Last week, Bloomberg reported, citing sources, that the Biden administration was considering broader restrictions on semiconductor equipment exports to China that could affect non-U.S. companies.

Persons: Biden Organizations: BEIJING, Bank of America, Lam Research, KLA Corp, Materials, Bloomberg, VanEck Semiconductor Locations: China, U.S, Beijing

Forgoing travel insurance can leave you dealing with an unexpected, costly emergency. The biggest of these fees is foreign transaction fees, which typically tack on around 3% on every purchase made outside the United States. On the flipside of that, buying travel medical insurance ahead of time can ensure you get the care you need without ruining your finances. Not investing in a broad travel insurance policyOther inclusions in a travel insurance plan can prove crucial. Get Travel Insurance Quotes Find affordable travel insurance policies with SquareMouth.

Persons: —, Stephanie Montague, Nia Adams, Krissy Yoder, Erica Wood, Christina Schlegel, you'll, Schlegel Organizations: Service, MMGY Travel Intelligence, Travel, Daybreak Travel, Bluetail Locations: United States

☆ Conn’s, a 134-year-old home goods retailer, is closing 70 stores
▼ + stars: | 2024-07-24 | by ( Jordan Valinsky | ) edition.cnn.com time to read: +1 min

New York CNN —Conn’s HomePlus, a 134-year-old furniture and electronics retailer with locations primarily in the southern United States, has filed for bankruptcy and is closing nearly half of its 170 stores. The 73 Conn’s HomePlus stores closing are listed on its website. Other states where stores are closing include Arizona, Colorado, North Carolina and Virginia. Badcock, another home goods retailer that operates in the southeast US under the “Badcock Home Furniture & more” name. That purchase increased the company’s total retail footprint to more than 500 stores among the two brands, however 35 Badcock stores are also closing.

Persons: Conn’s, Conn’s didn’t, Mitchell, Bob Williams Organizations: New, New York CNN, Nasdaq Locations: New York, United States, The Texas, Florida, Texas, Arizona , Colorado, North Carolina, Virginia

☆ Mortgage demand drops, as homebuyers wait for lower rates
▼ + stars: | 2024-07-24 | by ( Diana Olick | In Dianaolick | ) www.cnbc.com time to read: +2 min

Mortgage interest rates eased very slightly last week, but not enough to get today's potential homebuyers off the fence. Homebuyers are also likely waiting for interest rates to drop further. While mortgage rates don't follow the Fed exactly (they follow loosely the yield on the 10-year Treasury), rates will come down if investors believe inflation is easing. "We'd probably want to see mortgage rates come down 100 basis points, so I think if we had a five handle, even in the high fives, I think the market could see more momentum." Rates today are very slightly lower than they were last year at this time.

Persons: Joel Kan, Ivy Zelman, Kan Organizations: Mortgage, Association, Federal Reserve Locations: Hawthorn Woods , Illinois

Mortgage rates haven't moved much in recent days, with average 30-year mortgage rates sticking around 6.51% so far this week, according to Zillow data. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. 15-Year Fixed Mortgage RatesAverage 15-year mortgage rates were 6.05% this week, according to Freddie Mac data, which is a 12-basis-point decrease from the previous week. As inflation comes down and the Federal Reserve is able to start cutting the federal funds rate, mortgage rates should fall further as well. Now that the Fed has paused hiking rates, mortgage rates have come down a bit.

Persons: Lawrence Yun, Freddie Mac Organizations: National Association of Realtors, Zillow, Federal Reserve, Fed Locations: Chevron

☆ I spent 6 ½ hours in first class on a train in Morocco. It wasn't luxurious, but I'd do it again in a heartbeat.
▼ + stars: | 2024-07-24 | by ( Alice Levitt | ) www.businessinsider.com time to read: +5 min

But I was resolute in my desire to make the nearly seven-hour journey from Marrakech to Fes by ONCF train. The Marrakech train station alone is worth visitingThe Marrakech Railway Station station was a fine place to kill time. Alice LevittMy husband insisted we arrive an hour and a half early for our 7:50 a.m. train. AdvertisementThere wasn't much legroom on the train, but I managed to rest and make friends on boardOur ONCF train arrived at the station on time. Alice LevittThough there are cheap hourlong flights on Ryanair from Marrakech to Fes, I'm glad that I took the train.

Persons: —, I've, King Hassan II, Alice Levitt, Tyson Bateman, Zaha Organizations: Service, Disney, Epcot, Business, Marrakech Railway, Ryanair Locations: Morocco, Casablanca, Marrakech, Fes, ONCF, Segafredo, Mumbai, Moroccan, Rabat, Morocco's, It's

☆ US Army worker who stole nearly $109 million to buy mansions and luxury cars is sentenced
▼ + stars: | 2024-07-24 | by ( Associated Press | ) edition.cnn.com time to read: +3 min

Mello was a financial manager who handled funding for a youth program at the military base and determined whether grant money was available. Prosecutors said Mello used the fake organization she created to apply for grants through the military program. Mello used the money to buy millions of dollars of real estate, clothing, high-end jewelry and 82 vehicles that included a Maserati, a Mercedes, a 1954 Corvette and a Ferrari Fratelli motorcycle. “Janet Mello is a good, kind, caring and loving person that would do no harm to anyone,” Faison wrote. Please allow her to repay her debt to society by returning what she has taken but not be behind prison bars.”

Persons: Janet Yamanaka Mello, Xavier Rodriguez, Mello, Fort Sam Houston, “ Janet Mello, ”, Jaime Esparza, “, selfishly, ” Esparza, Albert Flores, ” Flores, Flores, Prosecutors, Justin Simmons, Mercedes, Simmons, Lucy Tan, Mello’s, Denise Faison, ” Faison, “ Janet Organizations: US District, Prosecutors, Fort, Child Health, Lifelong Development, Western, Western District of, Defense Locations: Texas, Fort Sam, San Antonio, Western District, Western District of Texas, Houston

☆ How down payment assistance programs can help clear the path to homeownership
▼ + stars: | 2024-07-23 | by ( Genna Contino | ) www.cnbc.com time to read: +3 min

Two renters pose in front of their new home that they're renting from Roots, a program that helps renters invest in real estate. Then Hunnicutt found a $1,050-per-month two-bedroom apartment tied to Roots, a real estate investment trust based in the Atlanta area that aims to help renters of the properties in its portfolio build wealth toward homeownership. Will Hunnicutt with his dog Bailey in his Atlanta home that he rented through Roots, a company that helps renters build wealth by investing in real estate. As buyers continue to struggle with home affordability, experts say programs that help with down payments may be worth another look. One barrier toward homeownership is having enough savings for a down payment.

Persons: Katie Curran, Will Hunnicutt, Hunnicutt, Bailey, It's, They're, homebuyer Organizations: CNBC, SurveyMonkey, National Association of Realtors, PMI, Mortgage Locations: Atlanta, U.S

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