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The Great Housing Freeze is Starting to Thaw
The Great Housing Freeze Is Starting to Thaw: Rates Stabilize as Home Sales Tick Up After nearly two years of stagnation, there are early signs that the U.S. housing market may be inching toward recovery. Mortgage rates have leveled off after months of volatility, holding relatively flat this week in the mid-6% range. And for the first time in months, home sales ticked up slightly—a modest but…
Locked In and Priced Out: Why U.S. Home Sales Have Hit a 30-Year Low
The U.S. Housing Market Hits the Pause Button Home sales across the United States have slowed to near record lows, the result of a market caught between high prices and high interest rates. After years of price escalation during the pandemic, the cost of borrowing has surged, putting affordability out of reach for many potential buyers. Even as inflation cools, the 30-year fixed mortgage rate…
Mortgage rates back up to 7.00%?!?!
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Weekend Talking Points
Real Estate News in Brief The NAR’s Pending Sales Index for October fell 4.6% in a month and 37% compared to October 2021. Pending sales in the West region were down 46%. [Source: NAR] Keep in mind that 30-yr mortgage rates were >7% for the entire month of October. They’re now around 6.3%. The Case-Shiller Home Price Index for September fell 1% in a month. From their peak in June, national home…
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Adjustable Rate 101
What is an Adjustable Rate? An Adjustable Rate Mortgage provides a specific fixed rate term before becoming an adjustable mortgage. An example: A 10/1 ARM is fixed for the first 10 years and then becomes a 1 year adjustable rate for the remaining term of the mortgage, thus giving you 10 years of security at a fixed rate. Advantages: If you know that you are selling your home in a short period…
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Still Renting?
If You Can Afford to Rent…Then You Can Probably Afford to Own. The cost of renting in many areas is now greater than the cost to buy. Even with mortgage rates on the rise, it is still more affordable than renting. Some say mortgage loans are impossible to obtain without perfect credit and/or 20% down. Want the truth? Read on, and we’ll cite the three basic factors for qualifying for a home…
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Words Do Matter...
Words Do Matter…
“While higher interest rates, slower growth, and softer labor market conditions will bring down inflation, they will also bring some pain to households and businesses.” These words in addition to the 8 minute speech, tanked the stock market and caused mortgage rates to go up since Friday, August 26th. Federal Reserve Chairman Jerome Powell: Thank you for the opportunity to speak here…
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Ways to Build Credit
Ways to Build Credit
Find out how to build credit and maintain a healthy credit score with help from Flagstar Bank. Keeping a healthy credit score is integral to maintaining your financial wellness and moving toward your life goals. And if your credit score isn’t quite where you want it to be, the good news is that it’s not set for life; your credit score can always improve with the help of smart financial…
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What Rates are the FED's adjusting?
What Rates are the FED’s adjusting?
The Federal Reserve System (also known as the Federal Reserve or simply the Fed) is the central banking system of the United States of America. It was created on December 23, 1913, with the enactment of the Federal Reserve Act, after a series of financial panics (particularly the panic of 1907) led to the desire for central control of the monetary system in order to alleviate financial crises.…
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Worried about Rising Mortgage Rates?
Worried about Rising Mortgage Rates?
The overall costs of Lending has been on the rise for the last several months. With the latest Inflation Rate of 9.1%, this will cause the Federal Reserve to raise rates again and most likely more aggressively than previous rate hikes. We have come up with a SPECIAL program to relieve this stress! You can now LOCK in to Today’s Mortgage Rate while you are shopping for a home. This allows you to…
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5 Indicators of Where the Market's Headed
5 Indicators of Where the Market’s Headed
5 Leading Indicators to Gauge Where The Real Estate Market Is Heading
There are several key indicators that may predict what to expect in the weeks and months ahead.
Instead of relying solely on the more sluggish statistics of home sales and pending contracts, knowing the following info will give you a much clearer perspective on the market. In total, there are five leading economic…
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Can you still purchase and negotiate a home during this time?
Can you still purchase and negotiate a home during this time?
3 Key Things To Know When Purchasing Property In A Pandemic
While the ongoing pandemic has created a lot of uncertainty within industries and households alike, one thing is for sure:
Over the last couple months, the entire world has shown an astonishing ability to adapt and get things done. Technology (ex. virtual tours) has allowed agents and clients to continue working together.
If you…
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Proactive Buyers help escrow close on time!
Proactive Buyers help escrow close on time!
Maybeit’s not the most fascinating topic of the day. If you’re buying a home, however, and that “time is of the essence” phrase on the purchase agreement is really applied, how easily and quickly your escrow closes is indeed the kind of thing that can keep you up at night. No one likes a long, drawn-out closing process if it can be avoided. So let’s look at what YOU and all parties can do to make…
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How does refinancing save homeowners money?
How does refinancing save homeowners money?
Question: How does refinancing save homeowners money?
There are two categories of refinancing, “rate-and-term” and “cash-out.” Both can save you money.
The first type, rate-and-term, replaces your existing loan with one that has a better rate and/or terms. You might replace an ARM or balloon loan with a fixed-rate loan, for example. Or you may decide to lower your rate AND shorten your term.…
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Over-improving your Home: doing too much of a good thing
Over-improving your Home: doing too much of a good thing
Homeowners doing major renovations this summer may not want to hear it, but there’s actually such a thing as doing too much. Spending too much. Adding too much.
Bankrate‘s Dana Dratch says over-improving means you may be bringing a curse upon yourself: sinking so much into upgrades, renovations or additions that you’ve burned nearly all the equity of your home. If you plan to stay in your house…
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Does it make sense to waive a Home Inspection to strengthen an offer?
Does it make sense to waive a Home Inspection to strengthen an offer?
Okay. It may sound bureaucratic and boring. But there are a number of precautionary contractual conditions for any purchase agreement recommended by the Realtor community that protects homebuyers from liability as well as poor decision-making. And no matter how competitive the bidding for a home, they’ll advise you to include them. One of them is a home inspection.
Even though your Realtor will…
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Take the emotion out of buying a home using good business sense
Take the emotion out of buying a home using good business sense
There is a good deal of emotion wrapped up in buying a home. Determining where we will spend the most intimate as well as memorable moments of our lives is no small decision. And it is no doubt one of the biggest investments most of us will ever make.
Removing emotion is no easy task. But if we make an attempt to screw our heads on as investors and looked at buying home the way we might buy a…
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