DOJ, AI, Class Actions to Reshape U.S. Real Estate; Rising Costs Due to Freddie Mac's AOL Shift

The U.S. real estate market is facing significant upheaval with over 20 class action lawsuits and antitrust interventions by the Department of Justice (DOJ), alongside the influence of artificial intelligence (AI) reshaping the ecosystem over the next five years. This turmoil is compounded by a mass exodus from states like California, where home ownership challenges are intensified by decisions such as Freddie Mac's shift to accept Assumption of Liability (AOL) instead of traditional title insurance, raising costs and adding uncertainty for homebuyers. The situation is further exacerbated by soaring insurance costs, which, along with high mortgage rates since 2022, are expected to stabilize previously skyrocketing home prices.