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How Technology and Easier Access to Financing Helped Increase Property Values

How Technology and Easier Access to Financing Helped Increase Property Values

Technology-based real estate websites like Redfin and Zillow have significantly transformed the real estate market by making property listings more accessible and visible to a broader audience. Before these platforms existed, buying and selling homes primarily relied on real estate agents and the Multiple Listing Service (MLS), which were not as easily accessible to the average person. Here’s how these technological changes, along with government programs and changes in rental property loans, have fueled real estate growth.

Increased Visibility and Accessibility

Websites like Redfin and Zillow allow anyone with internet access to view properties for sale across the country. This increase in visibility means that a single property can receive many more views or “impressions” than it would have through traditional means. The detailed information and high-quality photos that can be easily uploaded to these sites make it easier for potential buyers to find and fall in love with a property, even before seeing it in person.

Wider Distribution

These websites distribute property listings much wider than the traditional MLS. Previously, potential buyers would need to go through a real estate agent to get information about available properties. Now, platforms like Zillow and Redfin give everyone free access to a vast database of real estate listings, complete with details about the homes, neighborhood data, and historical pricing. This democratization of information has made the real estate market more transparent and competitive.

Impact of Freddie Mac and Fannie Mae

The government-sponsored enterprises Freddie Mac and Fannie Mae have also played a significant role in promoting real estate growth. They do this by purchasing mortgages from lenders and packaging them into mortgage-backed securities, which helps lower the risk for lenders and encourages them to offer more loans. This has made home loans more accessible to a broader range of people, increasing the number of potential homebuyers in the market.

When combined with the wide reach of sites like Zillow and Redfin, these programs ensure that more people can find and afford to buy homes, which drives demand and encourages growth in the real estate market.

Changes in Rental Property Loans

The evolution of rental property loans has further fueled the real estate market by allowing regular people to access funds from private money lenders, which was previously a resource mostly available to wealthy investors. Private and hard money loans are typically used for investment properties and can be much quicker to obtain than traditional bank loans, albeit usually at higher interest rates.

This accessibility means that more individuals can invest in real estate, not just the wealthy. People can use these loans to buy properties to rent out, benefiting from both rental income and property value appreciation. As more people enter the market as landlords, it increases the overall investment in real estate, driving growth. This is especially true in Florida, where real estate investors have been using rental loans to expand their portfolios during 2020.


Technology-based real estate websites have revolutionized how properties are marketed and sold by increasing their visibility and making detailed information accessible to the masses. Coupled with supportive programs from entities like Freddie Mac and Fannie Mae and the increased availability of private money lending, the real estate market has seen significant growth. This blend of technology, government support, and financial innovation has made it easier than ever for regular individuals to invest in and benefit from the real estate market.

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