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A Look at Housing Supply and What It Means for Sellers

One of the hottest topics of conversation in today’s real estate market is the shortage of available homes. Simply put, there are many more potential buyers than there are homes for sale. As a seller, you’ve likely heard that low supply is good news for you. It means your house will get more attention, and […]

3 Hot Topics in the Housing Market Right Now

If you’re a prospective buyer or seller, it’s important to understand the current real estate market conditions and how they affect you. The Counselors of Real Estate (CRE) just released its Top Ten Issues Affecting Real Estate report. Here are three hot topics from the list and how they impact today’s housing market. Technology Acceleration and […]

Pop Quiz: Can You Define These Key Terms in Today’s Housing Market? [INFOGRAPHIC]

Some Highlights The language of buying and selling a home may sound scary at first, but knowing how key terms relate to today’s market can help you. For example, current low mortgage rates and higher wages positively impact affordability for buyers, while home price appreciation continues to grow home equity, which sellers can use to […]

Today’s Real Estate Market Explained Through 4 Key Trends

As we move into the second half of the year, one thing is clear: the current real estate market is one for the record books. The exact mix of conditions we have today creates opportunities for both buyers and sellers. Here’s a look at four key components that are shaping this unprecedented market. A Shortage […]

Remote Work Has Changed Our Home Needs. Is It Time for Your Home To Change, Too?

Over the past year, many homeowners realized what they need in a home is changing, especially with the rise in remote work. If you’re longing for a dedicated home office or a change in scenery, now may be the time to find the home that addresses your evolving needs. Working from Home Isn’t a Passing […]

3 Charts That Show This Isn’t a Housing Bubble

With home prices continuing to deliver double-digit increases, some are concerned we’re in a housing bubble like the one in 2006. However, a closer look at the market data indicates this is nothing like 2006 for three major reasons. 1. The housing market isn’t driven by risky mortgage loans. Back in 2006, nearly everyone could […]

What You Should Do Before Interest Rates Rise

In today’s real estate market, mortgage interest rates are near record lows. If you’ve been in your current home for several years and haven’t refinanced lately, there’s a good chance you have a mortgage with an interest rate higher than today’s average. Here are some options you should consider if you want to take advantage […]

Experts Agree: Options Are Improving for Buyers [INFOGRAPHIC]

Some Highlights Buyers hoping for more homes to choose from may be in luck as housing inventory begins to rise. Many experts agree – new sellers listing their homes is great news for buyers and the overall market. Although the supply increases are modest, more homes means more options for buyers. A rise in inventory […]

Diving Deep into Today’s Biggest Buyer Concerns

Last week, Fannie Mae released their Home Purchase Sentiment Index (HPSI). Though the survey showed 77% of respondents believe it’s a “good time to sell,” it also confirms what many are sensing: an increasing number of Americans believe it’s a “bad time to buy” a home. The percentage of those surveyed saying it’s a “bad […]

Housing Supply Is Rising. What Does That Mean for You?

An important factor in today’s market is the number of homes for sale. While inventory levels continue to sit near historic lows, there are indications we may have hit the lowest point we’ll see. Odeta Kushi, Deputy Chief Economist at First American, recently said of our supply challenges: “It looks like inventory may have hit […]

Why This Isn’t Your Typical Summer Housing Market

In real estate, it’s normal to see ebbs and flows in the market. Typically, the summer months are slower-paced than the traditionally busy spring. But this isn’t a typical summer. As the economy rebounds and life is returning to normal, the real estate market is expected to have an unusually strong summer season. Here’s how […]

4 Major Incentives To Sell This Summer

While the housing market forecast for the second half of the year remains positive, there may not be a better time to sell than right now. Here are four things to consider if you’re trying to decide if now’s the right time to make a move. 1. Your House Will Likely Sell Quickly According to […]

Your Home Equity Can Take You Places [INFOGRAPHIC]

Some Highlights The amount of wealth Americans have stored in their homes has increased astronomically. On average, homeowners gained $33,400 in equity over the last 12 months, and the average equity on mortgaged homes is now $216,000. When it’s time to sell, your home equity can help accomplish your goals. Let’s connect to discuss how […]

Selling Your House? Make Sure You Price It Right.

There’s no denying we’re in a sellers’ market. With low inventory and high buyer demand, homes today are selling above the asking price at a record rate. According to the latest Realtors Confidence Index Survey from the National Association of Realtors (NAR): Homes typically sell within 17 days (compared to 26 days one year ago). […]

The Truths Young Homebuyers Need To Hear

For many young or first-time homebuyers, purchasing a home can feel intimidating. A recent survey shows some homebuyers ages 25 to 40 may be unsure about the homebuying process and what they can afford. It found: “1 in 4 underestimated their buying potential by $150k or more” “1 in 4 underestimated the increase in value […]

A Look at Home Price Appreciation Through 2025

Home prices have increased significantly over the last year, which in turn has grown the net worth of homeowners. Appreciation and home equity are directly linked – as the value of a home increases, so does a homeowner’s equity. And with these recent gains, homeowners are witnessing their financial stability and well-being grow to record […]

Home Builders Ramp Up Construction Based on Demand

If you’re thinking of buying a home, there really is no time like the present. With today’s low mortgage rates, you have a great opportunity to get more home for your money. The challenge is inventory. Like you, many buyers want to capitalize on these market conditions, and it’s leading to more buyer competition and […]

Are We in a Housing Bubble? Experts Say No.

The question of whether the real estate market is a bubble ready to pop seems to be dominating a lot of conversations – and everyone has an opinion. Yet, when it comes down to it, the opinions that carry the most weight are the ones based on experience and expertise. Here are four expert opinions […]

What Do Experts See on the Horizon for the Second Half of the Year?

As we move into the latter half of the year, questions about what’s to come are top of mind for buyers and sellers. Near record-low mortgage rates coupled with rising home price appreciation kicked off a robust housing market in the first half of 2021, but what does the forecast tell us about what’s on […]

What To Expect as Appraisal Gaps Grow

In today’s real estate market, low inventory and high demand are driving up home prices. As many as 54% of homes are getting offers over the listing price, based on the latest Realtors Confidence Index from the National Association of Realtors (NAR). Shawn Telford, Chief Appraiser at CoreLogic, elaborates: “The frequency of buyers being willing […]

Save Time and Effort by Selling with an Agent

Selling a house is a time-consuming process – especially if you decide to do it on your own, known as a For Sale By Owner (FSBO). From conducting market research to reviewing legal documents, handling negotiations, and more, it’s an involved and highly detailed process that requires a lot of expertise to navigate effectively. That’s […]

Homebuyers: Hang in There [INFOGRAPHIC]

Some Highlights Today’s sellers’ market provides unique challenges—and benefits—for buyers. Current low interest rates won’t last forever, and home prices are forecast to rise. If you’re a homebuyer, hang in there. Homeownership improves your quality of life, and the long-term benefits outweigh the short-term challenges. Homebuyers: Hang in There [INFOGRAPHIC] Homebuyers: Hang in There [INFOGRAPHIC]

Demand for Vacation Homes Is Still Strong

The pandemic created a tremendous interest in vacation homes across the country. Throughout the last year, many people purchased second homes as a safe getaway from the challenges of the health crisis. With many professionals working from home and many students taking classes remotely, it made sense to see a migration away from cities and […]

Homeowner Wealth Increases Through Growing Equity This Year

Building financial wealth and stability remains one of the top reasons Americans choose to own a home, and as a homeowner, your wealth often grows without you even realizing it. In a recent paper published by the Urban Institute, Home Ownership is Affordable Housing, author Mike Loftin illustrates how homeowners increase their equity and their […]

Pre-Approval Makes All the Difference When Buying a Home

You may have been told that it’s important to get pre-approved at the beginning of the homebuying process, but what does that really mean, and why is it so important? Especially in today’s market, with rising home prices and high buyer competition, it’s crucial to have a clear understanding of your budget so you stand […]

5 Things Homebuyers Need To Know When Making an Offer

When it comes to buying a house, you’re looking for the perfect place to call home. The problem is, in today’s market there just aren’t that many homes available to purchase. With inventory hovering near record lows and sky-high buyer demand, a multi-offer scenario is the new normal. Here are five things to keep in […]

Owning a Home Has Distinct Financial Benefits Over Renting [INFOGRAPHIC]

Some Highlights When you rent, you build your landlord’s wealth, your monthly payment depends on ever-rising rents, and you don’t benefit from home price appreciation. On the other hand, when you own your home, you build your own wealth, your monthly payment is locked in, and you benefit directly from home price appreciation. If you’re […]

Housing Wealth: The Missing Piece of the Affordability Equation

The real estate market is soaring today. Residential home values are rising, and that’s a big win for homeowners. In 2020, there was a double-digit increase in home values – a trend that’s expected to head toward similar levels this year. However, skyrocketing prices are causing some to start questioning affordability in the current housing […]

Don’t Wait To Sell Your House

We’re in the ultimate sellers’ market right now. If you’re a homeowner thinking about selling, you have a huge advantage in today’s housing market. High buyer demand paired with very few houses for sale makes this the optimal time to sell for those who are ready to do so. Whatever the move you want to […]

Hope Is on the Horizon for Today’s Housing Shortage

The major challenge in today’s housing market is that there are more buyers looking to purchase than there are homes available to buy. Simply put, supply can’t keep up with demand. A normal market has a 6-month supply of homes for sale. Anything over that indicates it’s a buyers’ market, but an inventory level below […]

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More Home Price Records; Ownership Declines; What'll The Fed Do To Rates?

The U.S. Census Bureau says the nation’s Homeownership Rate was at 65.4 percent in the second quarter of 2021. This is down from both the previous quarter’s 65.6 percent , and a year earlier when it was reported at 67.9 percent. However, the Bureau cautions,” When interpreting these estimates and comparing with prior quarters and […]

MBS RECAP: Deceptively Interesting Trading Range Ahead of Fed

Posted To: MBS Commentary Deceptively Interesting Trading Range Ahead of Fed After a move up from 1.25 to nearly 1.30% on Monday, 10yr yields dropped back below 1.25% almost immediately on Tuesday. Those looking for reasons might find explanations ranging from Chinese stock market weakness to covid case counts to pre-Fed jitters. In general though, […]

Delta variant is big factor in forecasting the economy

(Please visit the site to view this media) Steve Liesman joins The Exchange to detail the results of a survey about the impact of the delta variant on markets and the broader society. Most respondents believe the delta variant will have a limited impact on markets. Compared to a similar June survey, more respondents now […]

Homeownership Rates Fall Across the Board

Posted To: MND NewsWire The U.S. Census Bureau says the nation’s Homeownership Rate was at 65.4 percent in the second quarter of 2021. This is down from both the previous quarter’s 65.6 percent , and a year earlier when it was reported at 67.9 percent. However, the Bureau cautions,” When interpreting these estimates and comparing […]

Home Price Gains "Running out of Superlatives," Highest Appreciation on Record

Posted To: MND NewsWire May set yet more records for price increases. Both the S&P CoreLogic Case-Shiller U.S. National Home Price Index and the Federal Housing Finance Agencies (FHFA) purchase only House Price Index (HPI) reported the highest annual rates of appreciation in their respective records. The Case-Shiller National Index, which covers all nine U.S. […]

MLO Jobs; Sec. Mktg., Retention, Workflow, Doctor, Automation Programs; Upcoming Events and Conferences

Posted To: Pipeline Press With Simone Biles injury at the Olympics, let’s shift our attention to lending & housing. Have you ever asked someone, especially a politician, for the definition of “affordable housing”? Maybe the better riddle is, “How is affordable housing like pornography? You’ll know it when you see it.” (See Supreme Court Justice […]

MBS Day Ahead: Overseas Markets Help Bonds Take Strong Stance

Posted To: MBS Commentary After having gained so much over the past 4 months (not to mention the removal of the adverse market fee), and with a Fed announcement due out tomorrow afternoon, it wouldn't have been a surprise to see bonds take a more defensive stance overnight and this morning. Instead, 10yr yields are […]

The 9am Bond Report – July 27, 2021

(Please visit the site to view this media) …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. The 9am Bond Report – July 27, 2021 The 9am Bond Report – July 27, 2021

Fed to stay course despite surging inflation forecast: Survey

(Please visit the site to view this media) CNBC's Steve Liesman reports on the results from the CNBC Fed Survey. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Fed to stay course despite surging inflation forecast: Survey Fed to stay course […]

MBS RECAP: Slow Monday, But Late Warning Shots (Re-Send w/ New Video)

Posted To: MBS Commentary Slow Monday, But Late Warning Shots It was a slow trading day for the most part until the last 90 minutes. Until then, MBS and Treasuries were generally flat. As the day wound down, yields bumped up to the highs–right in line with the 1.295% technical level–and MBS coughed up a […]

MBS RECAP: Slow Monday, But Late Warning Shots

Posted To: MBS Commentary Slow Monday, But Late Warning Shots It was a slow trading day for the most part until the last 90 minutes. Until then, MBS and Treasuries were generally flat. As the day wound down, yields bumped up to the highs–right in line with the 1.295% technical level–and MBS coughed up a […]

Realtors Report on Foreign Purchases of US Homes

Posted To: MND NewsWire The National Association of Realtors® (NAR) reports that there was a fourth consecutive year-over-year decline in the rate of investment in U.S. real estate by international buyers. In the 12 month period that ended on March 31 those buyers purchased 107,000 residential properties for a total of $54.4 billion. This was […]

The 2pm Bond Report – July 26, 2021

(Please visit the site to view this media) The 2pm Bond Report …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. The 2pm Bond Report – July 26, 2021 The 2pm Bond Report – July 26, 2021

Profit margins hit record highs

(Please visit the site to view this media) Despite rising business costs, businesses are seeing record profit margins, too. "We're passing through the wage inflation that we're having and we've actually expanded our margin some," one company said when reporting earnings. …(read more) Forward this article via email:  Send a copy of this story to someone […]

June New Home Sales Decline 6.6%

Posted To: MND NewsWire In May, the U.S. Census Bureau and Department of Housing and Urban Development reported that the seasonally adjusted annual sales of newly constructed homes had fallen below 800,000 units for the first time in a year, to 769,000 units. In June things only got worse. The report from the two agencies […]

White House Announces Expanded COVID Relief Options for Homeowners

Posted To: MND NewsWire With the federal moratorium on mortgage foreclosures nearing an end, the White House has announced a series of steps to help homeowners who have suffered COVID-19 related financial hardships stay in their homes. Some 1.75 million homeowners (private sources put the number closer to 1.9 million) remain in forbearance programs with […]

Forbearance Numbers Little Changed Over Past Two Weeks

Posted To: MND NewsWire In the wake of a near 200,000 drop in the number of loans in forbearance earlier in July, changes over the last two weeks have been modest. Black Knight says there was only a 1,000 loan reduction in the total number during the week ended July 13 and that was negated […]

MLO, Corresp. and Wholesale AE Jobs; Subservicing, Tech, Jumbo, Retention Tools; Disaster News

Posted To: Pipeline Press The headline this morning is seven people dying in a car crash caused by a Utah sandstorm. The damage caused by storms, including hurricanes in the East and fires in the West, often makes FEMA’s disaster list. The 2021 hurricane season began on June 1 and the National Oceanic and Atmospheric […]

The Bond Report – July 26, 2021

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New home sales drop 6.6%, vs. 3.4% increase expected

(Please visit the site to view this media) CNBC's Rick Santelli and Diana Olick report on the latest new home sales data, which shows a sharp decline in sales. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. New home sales drop […]

MBS Week Ahead: Bonds Weighing Fed Strategy Refinements And Delta Surge

Posted To: MBS Commentary Heading into the weekend, the delta variant continued driving a surge in U.S. covid case counts with Friday's 118k+ being the highest day-over-day increase since February 5th. Officials expect the surge to continue into mid-August. After that, everyone would like to know how the return to school will change things in […]

Rep. Gottheimer on the final push for an infrastructure deal

(Please visit the site to view this media) CNBC's "Squawk Box" team discusses SALT cap repeal and the final push to an infrastructure deal with Representative Josh Gottheimer (D-NJ). …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Rep. Gottheimer on the […]

Business conditions show more hiring, investment plans: NABE survey

(Please visit the site to view this media) CNBC's Steve Liesman reports on National Association for Business Economics' latest survey on business conditions. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Business conditions show more hiring, investment plans: NABE survey Business […]

The 2pm Bond Report – July 23, 2021

(Please visit the site to view this media) The 2pm Bond Report …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. The 2pm Bond Report – July 23, 2021 The 2pm Bond Report – July 23, 2021

MBS RECAP: Ending on an Equivocal Note Ahead of Fed Week

Posted To: MBS Commentary Ending on an Equivocal Note Ahead of Fed Week If we look through the small-scale volatility throughout the week, we see bond yields moving back up to last week's lows as of Wednesday and essentially remaining flat since then. In that sense, Monday was the big panic day for markets, Tuesday […]

Are investors crowding out homebuyers?

(Please visit the site to view this media) "About 20 to 21 percent of homes purchased today are by investors," but mostly smaller investors, Gary Beasley, CEO and co-founder of Roofstock tells Kelly Evans on 'The Exchange.' The narrative that there's too much Wall Street money flowing in into the housing market is not necessarily […]

HR, Post-Closing, Controller, MLO Jobs; NOO, HELOC, Processing Tools; Florida Fraud Case; LendingClub Fee Settlement

Posted To: Pipeline Press How do you know when someone has too much money? How about when they pony up $16k for Tarzan’s 1932 loin cloth ? (“Gosh, if that loin cloth could talk…”) LendingClub is going to have less money to the tune of $18 million due to charging customers hidden fees despite its […]

MBS Day Ahead: Will Friday Finish What Wednesday Started?

Posted To: MBS Commentary After a stellar Monday and a big reversal on Tuesday, Wednesday stands out as the week's big shift back toward last week's trading range. Today's session is in a position to finish the job. That would only require minimal weakness at this point. The alternative would be a sideways drift that […]

The 9am Bond Report – July 23, 2021

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Delinquencies Back to Normal; Lowest Rates Since Feb; Existing Sales Rise Slightly

The national delinquency rate dropped by 7.62 percent in June and is now 42.39 percent below its rate at the worst of the pandemic. Black Knight, in its monthly report, says the June rate, at 4.37 percent, was also back below its pre-Great Recession average. Still, there are 2.32 million homeowners who are 30 or […]