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5 Reasons to Sell This Fall

Here are five reasons listing your home for sale this fall makes sense. 1. Demand Is Strong The latest Buyer Traffic Report from the National Association of Realtors (NAR) shows that buyer demand remains very strong throughout the vast majority of the country. These buyers are ready, willing, and able to purchase… and are in the market right […]

Top 5 Reasons Why Millennials Choose to Buy [INFOGRAPHIC]

Some Highlights: “The majority of millennials said they consider owning a home more sensible than renting for both financial and lifestyle reasons — including control of living space, flexibility in future decisions, privacy and security, and living in a nice home.” The top reason millennials choose to buy is to have control over their living […]

Report: Homeownership Is a Precondition of the American Dream

Hearth just released their 2017 State of the American Dream report which showed that Americans still see homeownership as an integral piece of the American Dream. The report confirmed that “all generations–including millennials–agree homeownership is very important to achieving the American Dream.” Americans ranked “owning a home I love” higher than any other options (including […]

Happily Ever Homeowner

Married couples once again dominated the first-time homebuyer statistics last year at 66% of all buyers, according to the most recent Profile of Home Buyers & Sellers. It is no surprise that having two incomes to save for down payments and contribute to monthly housing costs makes buying a home more attainable. Many couples are […]

Looking for Your Dream Home? Know What You Want vs. What You Need

In this day and age of being able to shop for anything anywhere, it is really important to know what you’re looking for when you start your home search. If you’ve been thinking about buying a home of your own for some time now, you’ve probably come up with a list of things that you’d […]

4 Reasons to Buy a Home This Fall!

Here are four great reasons to consider buying a home today, instead of waiting. 1. Prices Will Continue to Rise CoreLogic’s latest Home Price Index reports that home prices have appreciated by 6.7% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 5.0% over the next year. The […]

How Supply and Demand Impacts Real Estate Home Values [INFOGRAPHIC]

Some Highlights: The concept of supply & demand is a simple one. The best time to sell something is when the supply of that item is low & the demand for that item is high! Anything under a 6-month supply is a seller’s market! Nationally, there has not been a 6-months inventory supply since August […]

America Needs Your House!!

The biggest challenge in today’s real estate market is a lack of housing inventory. How big of a challenge is the housing shortage? Here are what four industry economists are saying on the issue (emphases added): Mark Fleming, First American’s Chief Economist “The underlying fundamental issue is an overwhelming lack of supply… The supply of […]

Homeowners: Do You Know Your Home’s Value?

The latest edition of CoreLogic’s Home Price Index shows that nationally, home prices have appreciated 6.7% over the last year and 0.9% month-over-month. The release of the report included this headline,  “National Home Prices Now 50% Above March 2011 Bottom” The real estate market has come a long way since 2011, which is great news […]

How Your Home’s Value Grows Your Family’s Wealth

Over the next five years, home prices are expected to appreciate 3.64% per year on average and to grow by 18.4% cumulatively, according to Pulsenomics’ most recent Home Price Expectation Survey. So, what does this mean for homeowners and their equity position? As an example, let’s assume a young couple purchased and closed on a $250,000 home in January. […]

14,904 Homes Sold Yesterday… Did Yours?

There are some homeowners who are patiently waiting to get the price they hoped for when they originally listed their houses for sale. Something these homeowners might want to take into consideration is the fact that if their homes haven’t sold yet, maybe they’re not priced properly. After all, 14,904 houses sold yesterday, 14,904 will sell today, and […]

Top 5 A+ Reasons to Hire a Real Estate Pro [INFOGRAPHIC]

Some Highlights: Hiring a real estate professional to buy your dream home, or sell your current house, is one of the most ‘educated’ decisions you can make! A real estate professional has the experience needed to help you through the entire process. Make sure that you hire someone who knows current market conditions & can simply […]

Empty Nesters: Best to Remodel or Time to Sell?

Your children have finally moved out and you and your spouse now live alone in a four-bedroom colonial (or a similar type of house). You have two choices to make: Remodel your house to fit your current lifestyle and needs Sell your house and purchase the perfect home Based on the record of dollars spent […]

Number of Buyers Putting Down Less Than 10% Hits 7-Year High

According to Black Knight Financial Service’s Mortgage Monitor Report, 1.5 million Americans have purchased a home with down payments under than 10% over the last 12 months. This is great news for buyers as this marks a 7-year high. Many mortgage programs offered by agencies like Freddie Mac and Fannie Mae allow buyers to put […]

Where Are the Home Prices Heading in The Next 5 Years?

Today, many real estate conversations center on housing prices and where they may be headed. That is why we like the Home Price Expectation Survey. Every quarter, Pulsenomics surveys a nationwide panel of over one hundred economists, real estate experts, and investment & market strategists about where they believe prices are headed over the next five years. They […]

Don’t Disqualify Yourself… 52% of Approved Loans Have A FICO® Score Under 750

The results of countless studies have shown that potential home buyers, and even current homeowners, have an inflated view of what is really required to qualify for a mortgage in today’s market. One such study by the Wharton School of Business at the University of Pennsylvania revealed that many millennials have not yet considered purchasing homes simply because […]

Home Prices Up 6.64% Across the Country! [INFOGRAPHIC]

Some Highlights: The Federal Housing Finance Agency (FHFA) recently released their latest Quarterly Home Price Index report. In the report, home prices are compared both regionally and by state. Based on the latest numbers, if you plan on relocating to another state, waiting to move may end up costing you more! Alaska & West Virginia were the only states […]

Study: FSBOs Don’t Save Real Estate Commission

One of the main reasons why For Sale By Owners (FSBOs) don’t use a real estate agent is because they believe they will save the commission an agent charges for getting their house on the market and selling it. A new study by Collateral Analytics, however, reveals that FSBOs don’t actually save anything, and in […]

Want to Keep Up with the Joneses? Now’s the Time

Does your current house fit your needs? Does it seem like everyone else is moving up and moving on to more luxurious surroundings? Are you wondering what it would take to start living your dream life? Market conditions around the country have presented an opportunity like no other for those who are looking to make […]

More Boomerang Buyers Are about to Enter the Market

We previously informed you about a study conducted by TransUnion titled, “The Bubble, the Burst and Now – What Happened to the Consumer?” The study revealed that 1.5 million homeowners who were negatively impacted by the housing crisis could re-enter the housing market between 2016-2019. Recently, HousingWire analyzed data from the US Bankruptcy Courts and revealed that […]

Why Is It Important to Use a Professional to Sell Your Home?

When a homeowner decides to sell their house, they obviously want the best possible price for it with the least amount of hassles along the way. However, for the vast majority of sellers, the most important result is actually getting their homes sold. In order to accomplish all three goals, a seller should realize the […]

To Stage…or Not to Stage? That Is the Question! [INFOGRAPHIC]

Some Highlights: The National Association of Realtors surveyed their members & released the findings of their Annual Profile of Home Staging. 50% of staged homes saw a 1-10% increase in dollar value offers from buyers. 77% of buyer’s agents said staging made it easier for buyers to visualize the home as their own. The top […]

58% of Homeowners See a Drop in Home Values Coming

According to the recently released Modern Homebuyer Survey from ValueInsured, 58 percent of homeowners think there will be a “housing bubble and price correction” within the next 2 years. After what transpired just ten years ago, we can understand the concern Americans have about the current increase in home prices. However, this market has very […]

Sellers: Your Home is an Oasis in an Inventory Desert

First-time homebuyers are flocking to the real estate market by the thousands to find their dream homes in order to make their dreams of homeownership a reality. Unfortunately for many, the inventory of starter and trade-up homes in the US has struggled to keep up with demand! According to the National Association of Realtors (NAR), […]

Homes Are Selling Quickly Nationwide

The National Association of Realtors (NAR) recently released their latest Existing Home Sales Report, which revealed that homes were on the market for an average of 28 days in June. This is a slight increase from the 27 days reported in May, but down from 34 days reported a year ago. 54% of homes across the country were […]

Homeowner’s Net Worth Is Still Greater Than a Renter’s

Every three years, the Federal Reserve conducts their Survey of Consumer Finances in which they collect data across all economic and social groups. The latest survey, which includes data from 2010-2013, reports that a homeowner’s net worth is 36 times greater than that of a renter ($194,500 vs. $5,400).  The latest survey data, covering 2014-2016 will […]

What State Gives You the Most ‘Bang for Your Buck’? [INFOGRAPHIC]

Some Highlights: Thinking of moving across the country? How far will your money take you? The majority of states in the Midwest and South offer a lower cost of living compared to Northeast and Western states. The ‘Biggest Bang for your Buck’ comes in Mississippi where, compared to the national average, you can actually purchase […]

Hey, Millennial Homeowners!! It May Be Time to Sell

Contrary to what many believe, Millennials are not the ‘renter’ generation. Millennials purchased a larger percentage (34%) of homes in the U.S. than any other age group in 2017 and the most recent Census Bureau report shows that the homeownership rate among Millennials is finally on the rise. Many Millennials took advantage of post housing […]

Housing Inventory Hits 30-Year Low

Spring is traditionally the busiest season for real estate. Buyers, experiencing cabin fever all winter, emerge like flowers through the snow in search of their dream home. Homeowners, in preparation for the increased demand, are enticed to list their house for sale and move on to the home that will better fit their needs. New […]

93.9% Of Homes in The US Have Positive Equity

CoreLogic’s latest Equity Report revealed that ninety-one thousand residential properties regained equity in Q1 2017. The outlook for 2017 remains positive as well, as an additional 600 thousand properties will regain equity if home prices rise another 5% this year.  The study also revealed that: Roughly 63% of all homeowners have seen their equity increase since Q1 2016 […]

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MLO Resources; Credit Product; Intro to the Prime Jumbo Securitization Market

Posted To: Pipeline Press Good loan officers pay attention to demographics. For example, according to a new report from the United Nations, the population of the planet could rise from its current 7.7 billion to 10.9 billion by the year 2100. This is a downward adjustment from the last U.N. prediction due to a decrease […]

Mortgage Apps Give a Little Back From Last Week's Rally

Posted To: MND NewsWire Despite appearances, the low-rate spurred rally in mortgage applications reported last week didn’t really go “poof” this week. Activity was still strong even as the Mortgage Bankers Association’s (MBA’s) Market Composite Index gave back some of its previous outsized gains. The Index, a measure of mortgage loan application volume, decreased 3.4 […]

Kamen: Powell has got the message the Fed needs to strike a more dovish tone

(Please visit the site to view this media) Ken Kamen of Mercadien Asset Management discusses what to expect from today's Fed decision, and whether the Fed should be cutting rates. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Kamen: Powell has […]

Construction Numbers Better Than They Look; Nice, European Surprise for Rates Ahead of Fed Day

Residential construction figures had been expected to, at a minimum, hold the fort in May after a mixed report in April. While revisions to the April report somewhat skewed the numbers changes to both permits and starts were only fractional. The Census Bureau and the Department of Housing and Urban Development said permits for privately […]

MBS RECAP: Not The Central Bank We Were Looking For (But We'll Take It!)

Posted To: MBS Commentary This week's big to-do had been and continues to be tomorrow's Fed announcement, press conference, and updated forecasts. The Fed's European counterpart threw a bit of a curve ball today as Mario Draghi unleashed a barrage of bond-friendly comments overnight with the gist being the essential guarantee of further easing from […]

Low rates could bring buyers back to housing: Zillow's research head

(Please visit the site to view this media) Skylar Olsen of Zillow joins CNBC's "The Exchange" to discuss the housing market. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Low rates could bring buyers back to housing: Zillow's research head Low […]

Mortgage Rates Enjoy Surprise Drop Ahead of Fed Day

Posted To: Mortgage Rate Watch Mortgage rates have generally been moving sideways for the past 2 weeks. This has accomplished a twofold goal of coming to terms with the strong gains seen in May as well as preparing for tomorrow’s hotly-anticipated announcement from the Fed. It has been and continues to be the case that […]

No case for Fed rate cut, says Morgan Stanley chief global strategist

(Please visit the site to view this media) Morgan Stanley chief global strategist and head of emerging markets Ruchir Sharma and CNBC's Steve Liesman join 'Squawk on the Street' to discuss what they're expecting from the Fed meeting this week. …(read more) Forward this article via email:  Send a copy of this story to someone you […]

President Trump tweets he'll meet with President Xi at the G-20

(Please visit the site to view this media) Stocks surged after President Trump announced on Twitter that he will be meeting with his Chinese counterpart, Xi Jinping, at the upcoming G-20 summit, boosting hope for a U.S.-China trade deal. …(read more) Forward this article via email:  Send a copy of this story to someone you know […]

Construction Numbers Better Than Percentages Indicate

Posted To: MND NewsWire Residential construction figures had been expected to, at a minimum, hold the fort in May after a mixed report in April. While revisions to the April report somewhat skewed the numbers changes to both permits and starts were only fractional. The Census Bureau and the Department of Housing and Urban Development […]

MBS Day Ahead: Unexpected Headlines Result in Bond Market "Lead-Off"

Posted To: MBS Commentary In the day just past, bonds did absolutely nothing new or interesting. Yields continued to trade in a narrow, sideways range–one that has persisted for more than 2 weeks. The ostensible catalyst for a breakout was (and still IS, in some ways) tomorrow's Fed announcement (and press conference and economic projections). […]

Here's how tariffs have played a role in Fed's monetary policy

(Please visit the site to view this media) Chris Campbell, former assistant secretary of the Treasury for Financial Institutions during the Trump administration, and Neil Irwin, New York Times senior economics correspondent, join "Squawk Box" to discuss what they expect from the Fed meeting this week. …(read more) Forward this article via email:  Send a copy […]

Digital, Marketing, Training Products; Upcoming Teaching Events

Posted To: Pipeline Press With the backdrop of a global bond market rally today, let’s look back at Randy Newman singing, “It’s money that matters, hear what I say. It’s money that matters, in the USA.” What does $5.6 million buy you these days? A road-gray Yankees jersey that was worn by Babe Ruth sold […]

CNBC Fed Survey: 78% expect a rate cut in 2019

(Please visit the site to view this media) CNBC's Steve Liesman gives a preview of what the CNBC Fed Survey expects from the Fed's two-day meeting. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. CNBC Fed Survey: 78% expect a rate […]

Gloomier Economy But Brighter Housing; Builder Confidence Stumbles; Rate Risks Increase This Week

Freddie Mac’s forecast for June sees more dark clouds than usual , but few of those are on the housing front. The company’s Economic and Housing Research Group notes that some of those gathering clouds, concerns about global growth and the lingering trade problems, have pushed long-term interest rates to their lowest level since the […]

Gloomier Economic Outlook Brightens Housing Outlook

Posted To: MND NewsWire Freddie Mac’s forecast for June sees more dark clouds than usual , but few of those are on the housing front. The company’s Economic and Housing Research Group notes that some of those gathering clouds, concerns about global growth and the lingering trade problems, have pushed long-term interest rates to their […]

Mortgage Rates Stay Flat, But Risks Will Increase From Here

Posted To: Mortgage Rate Watch Mortgage rates were only modestly higher today. Most lenders were still quoting the same rates compared to Friday with the only difference being slightly higher upfront costs. This means the rate at the top of the average mortgage quote is still within striking distance of the lowest levels since September […]

After Fed meets, expect bigger move than markets have priced in: Pro

(Please visit the site to view this media) Mike Lewis of Barclays joins CNBC's "Closing Bell" to discuss the week ahead in the markets. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. After Fed meets, expect bigger move than markets have […]

Markets await Fed rate decision as expectation of a future cut grows

(Please visit the site to view this media) Eddie Perkin, Eaton Vance investment officer, and Jurrien Timmer, Fidelity director of global macro, join "Squawk on the Street" to discuss the likelihood of an interest rate cut in the near future. …(read more) Forward this article via email:  Send a copy of this story to someone you […]

May Uptick in Builder Confidence Proves Fleeting

Posted To: MND NewsWire The National Association of Home Builders’ (NAHB’s) measure of builder confidence broke out of its multi-month slump in May, rising 3 points. Much of that gain was reversed this month as the NAHB/Wells Fargo Housing Market Index (HMI) dropped by 2 points to 64, returning to the low- to-mid-60s range it […]

James Grant: The Fed will cut in June

(Please visit the site to view this media) James Grant, founder and editor of Grant's Interest Rate Observer, joins 'Squawk Box' to discuss what he expects from this week's FOMC meeting and how the markets may respond. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may […]

MBS Day Ahead: Housing Data and The Fed

Posted To: MBS Commentary In the week just past, the bond market began by threatening to bounce toward higher rates after an impressive, 5-week rally to the lowest levels since 2017. The first sign of support appeared without any provocation other than "relatively higher yields." This is a good thing because it indicated traders were […]

Commercial Products; Flood and Disaster Updates; Capital Markets

Posted To: Pipeline Press I find builder’s naming policies amusing. Let’s call a subdivision “Hidden Valley” or “Lonesome Pines” when it isn’t hidden or lonesome anymore with 500 homes in it. Let’s pave over peach orchards, an area where hawks hunt, or a field of sage brush and then name roads after them. Maybe they […]

Here are the probabilities for a Fed rate cut in the coming months

(Please visit the site to view this media) It's a big week for investors as the Fed will kick of its two day meeting on Tuesday. CNBC's Steve Liesman reports. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Here are the […]

Housing Leaders Talk Reform; Great Week for Rates; Could FHA's Permanent MI be Changed?

Attendees at the Ginnie Mae Summit commemorating the agencies 50 th anniversary on Thursday heard from both Dr. Ben Carson, Secretary of the Department of Housing and Urban Development (HUD) and Dr. Mark A. Calabria, newly confirmed director of the Federal Housing Finance Agency (FHFA). Each addressed their plans for updating their respective housing finance […]

MBS RECAP: Modest Reactions to Econ Data as Bonds Wait For Bigger News

Posted To: MBS Commentary Somehow, the bond market managed to end the week at 2.084% (10yr yield) which is exactly where it ended last week. In all my years of market-watching, I've never seen a sharp weekly (like the one we just had in late May) at the end of a sharp multi-month rally give […]

Mortgage Rates Just Had Another Awesome Week

Posted To: Mortgage Rate Watch While we can’t say that this week’s best mortgage rate offerings were quite as good as last week’s best, they were pretty darn close. In fact, quite a few lenders have simply been quoting the same rates for the entire 2-week period. That happens from time to time, but it […]

Here's how the rise of non-bank lending is impacting the housing market

(Please visit the site to view this media) housing warning with Chris Brummer, Georgetown Law professor, and Olick …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Here's how the rise of non-bank lending is impacting the housing market Here's how the […]

Two experts debate whether the Fed should cut rates next week

(Please visit the site to view this media) Lakshman Achuthan of the Economic Cycle Research Institute, and Anthony Chan, former Chase chief economist, debate next week's Fed meeting. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Two experts debate whether the […]

Santelli Exchange: Inflation expectations at record lows

(Please visit the site to view this media) Jim Bianco of Bianco Research joins CNBC's Rick Santelli to discuss what's affecting the markets. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Santelli Exchange: Inflation expectations at record lows Santelli Exchange: Inflation […]