Reflecting the most recent U.S. Census Bureau and HUD release (August 2026) | Published September 2026 August 2026 new home sales came in at a seasonally adjusted annual rate of 684,000 — the strongest reading since November 2025 and a 6.4% gain from a revised July. The year-over-year gap narrowed to 2.0% below August 2025’s […]
Reflecting the most recent U.S. Census Bureau and HUD release (June 2026) | Published July 2026 June 2026 new home sales came in at a seasonally adjusted annual rate of 628,000 — up 1.6% from a significantly revised May and 5.6% below the June 2025 pace of 665,000. The gain was real, but it came […]
Reflecting the most recent U.S. Census Bureau and HUD release (May 2026) | Published June 2026 The spring selling season failed to deliver. May 2026 new home sales came in at a seasonally adjusted annual rate of 580,000 — down 7.3% from April’s revised 626,000 and 6.8% below the May 2025 pace of 622,000. That […]
The Real Structure Behind F&I Profit Walkaway, Profit Share, Reinsurance, and DOWCs Most dealers know F&I products generate profit, but far fewer understand how F&I participation structures determine where that profit actually ends up. Some models pay upfront. Others pay over time. Some allow participation in underwriting. Others don’t. If you don’t understand the structure, […]
Reflecting the most recent U.S. Census Bureau and HUD release (March 2026) | Published May 2026 March 2026 new home sales rebounded from January’s subdued pace and posted the strongest month-over-month improvement of the early 2026 cycle. Sales of new single-family homes reached a seasonally adjusted annual rate of 682,000, up 7.4% from February’s revised […]
The automotive warranty industry runs on a layered system of risk transfer. When a customer purchases a Vehicle Service Contract (VSC), a GAP waiver, or another ancillary F&I product, the transaction creates a chain of financial relationships that determines who holds risk, who controls reserves, who earns underwriting profit, and who ultimately pays claims if […]
Dark Sky Data | Market Intelligence | April 2026 A military conflict involving Iran doesn’t stay in the Middle East. It travels through oil markets, into consumer prices, and eventually into the cost of a car repair, a mortgage payment, and a household’s appetite for protection products. For performance marketers in the home warranty, VSC, […]
Reflecting the most recent U.S. Census Bureau and NAR releases (January 2026) | Published March 2026 January 2026 home sales did not extend year-end momentum. They clarified how the housing market is likely to behave in early 2026. New residential transactions declined on an actual monthly basis. Existing-home turnover declined from December levels but remained […]
The U.S. home warranty market is large, growing, and structurally underserved — a combination that creates real opportunity for marketers who understand the data. The direct-to-consumer (DTC) home warranty channel reached $2.7 billion in sales in 2025, growing at a 5.2% CAGR since 2020. Yet that figure represents just a fraction of the addressable opportunity: […]
An overview of the structure, mechanics, and financial dynamics behind dealer participation programs for Finance & Insurance products. Contents Introduction The Auto F&I Product Landscape The Reinsurance Framework Program Structures Financial Mechanics Earnings Curves Reserves & Collateral Reading a Ceding Statement Trust Account Distributions Controlled Groups & Tax Considerations Glossary of Key Terms Introduction Auto […]