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MortgagePoint ยป Your Trusted Source for Mortgage Banking and Servicing News 78 November 2025 J O U R N A L sponsored by their employer. However, many investors have lost sight of their 401(k) funds due to job changes, roll- overs, or lack of portability, resulting in $2.1 trillion sitting dormant in accounts with an average value of $66,691, accord- ing to a recent analysis by Capitalize and the Center for Retirement Research at Boston College. On the other hand, you might be able to make ends meet with the money that many citizens currently possess. In order to assist in removing finan- cial and technical obstacles and make retirement saving simpler for more em- ployees, Sachs also suggests innovative options, including state "auto-IRAs" and pooled company plans. Additionally, parents may also have options available to them at this time to help them get started. Early-savings accounts, sometimes known as "Trump Accounts," were established by a new tax law to assist employers or parents in setting aside money for a child's future. Compounding growth can be enormous if used to launch a portfolio early. A $500 annual contribution from age 1 to age 20 may increase to around $21,000 by age 21. This may grow to around $340,000 by age 65 if invested until retirement, which is about 14% higher than if someone starts saving at age 21. FHFA HOUSE PRICE INDEX REVEALS RECENT CHANGES IN MARKET TRENDS A ccording to the U.S. Federal Housing Finance Agency's (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI), home prices in the U.S. increased by 0.4% in August. The price of homes increased by 2.3% between August 2024 and August 2025. The July price drop of 0.1% that had been previously reported was changed to 0.0%. Seasonally adjusted monthly variations in housing prices for the nine census divisions varied from -0.8% in the Pacific division to +1.2% in the Middle Atlantic division. In the Pacific division, the 12-month changes were -0.6%, whereas in the Middle Atlantic division, they were +6.3%. Top 10 Metro Area Rankings per the FHFA HPI 1. Rochester, NY (YoY change: 10.3%) 2. Hartford-West Hartford-East Hart- ford, CT (9.4%) 3. New York-Jersey City-White Plains, NY-NJ (7.9%) 4. Lakewood-New Brunswick, NJ (7.7%) 5. Buffalo-Cheektowaga, NY (7.5%) 6. Elgin, IL (7.5%) 7. Albany-Schenectady-Troy, NY (7.3%) 8. Nassau County-Suffolk County, NY (7.1%) 9. Columbia, SC (6.8%) 10. Newark, NJ (6.5%) More About the FHFA House Price Indices The FHFA HPI is an extensive set of publicly accessible house price indices that track changes in the value of sin- gle-family homes using data from more than 400 American localities and all 50 states dating back to the mid-1970s. In addition to providing information on changes in home prices at the national, census division, state, county, metro area, ZIP code, and census tract levels, it takes into account tens of millions of home transactions. FHFA analyzes data on home price transactions using a completely transparent methodology built on a weighted, repeat-sales statistical technique. Note: FHFA releases HPI data and reports quarterly and monthly. The flag- ship FHFA HPI uses seasonally adjusted, purchase-only data from Fannie Mae and Freddie Mac.