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What If I Need to Sell My Home Now? What Can I Do?

Every day that passes, people have a need to buy and sell homes. That doesn’t stop during the current pandemic. If you’ve had a major life change recently, whether with your job or your family situation, you may be in a position where you need to sell your home – and fast. While you probably […]

Recession? Yes. Housing Crash? No.

With over 90% of Americans now under a shelter-in-place order, many experts are warning that the American economy is heading toward a recession, if it’s not in one already. What does that mean to the residential real estate market? What is a recession? According to the National Bureau of Economic Research: “A recession is a […]

What You Can Do to Get Your House Ready to Sell [INFOGRAPHIC]

Some Highlights: Believe it or not, there are lots of things you can do to prep your house for a sale without even going to the store. Your real estate plans don’t have to be completely on hold even while we’ve hit the pause button on other parts of daily life. Tackling small projects from […]

Why Home Office Space Is More Desirable Than Ever

For years, we’ve all heard about the most desirable home features buyers are looking for, from upgraded kitchens to remodeled bathrooms, master suites, and more. The latest on the hotlist, however, might surprise you: home offices. In a recent article by George Ratiu, Senior Economist with realtor.com, he notes how listings with an office are […]

How Technology Is Enabling the Real Estate Process

Today’s everyday reality is pretty different than it looked just a few weeks ago. We’re learning how to do a lot of things in new ways, from how we work remotely to how we engage with our friends and neighbors. Almost everything right now is shifting to a virtual format. One of the big changes […]

How to Find the Perfect Real Estate Agent

There’s a ton of real estate information available in the news today and on the Internet. It can be extremely confusing, especially in times of uncertainty like we’re facing right now. If you’re thinking of buying or selling this year, you need an agent who can help you: Make sense of this rapidly evolving housing […]

Will Surging Unemployment Crush Home Sales?

Ten million Americans lost their jobs over the last two weeks. The next announced unemployment rate on May 8th is expected to be in the double digits. Because the health crisis brought the economy to a screeching halt, many are feeling a personal financial crisis. James Bullard, President of the Federal Reserve Bank of St. […]

The Housing Market Is Positioned to Help the Economy Recover [INFOGRAPHIC]

Some Highlights Expert insights are painting a bright future for housing when the economy bounces back – and it will. We may be facing challenging economic times today, but the housing market is poised to help the economy recover, not drag it down. Let’s connect to make sure you’re informed and ready when it’s time […]

Looking to the Future: What the Experts Are Saying

As our lives, our businesses, and the world we live in change day by day, we’re all left wondering how long this will last. How long will we feel the effects of the coronavirus? How deep will the impact go? The human toll may forever change families, but the economic impact will rebound with a […]

The #1 Thing You Can Do Now to Position Yourself to Buy a Home This Year

The last few weeks and months have caused a major health crisis throughout the world, leading to a pause in the U.S. economy as businesses and consumers work to slow the spread of the coronavirus. The rapid spread of the virus has been compared to prior pandemics and outbreaks not seen in many years. It […]

The Economic Impact of Buying a Home

We’re in a changing real estate market, and life, in general, is changing too – from how we grocery shop and meal prep to the ways we can interact with our friends and neighbors. Even practices for engaging with agents, lenders, and all of the players involved in a real estate transaction are changing to […]

The Best Advice Does Not Mean Perfect Advice

The angst caused by the coronavirus has most people on edge regarding both their health and financial situations. It’s at times like these when we want exact information about anything we’re doing – even the correct protocol for grocery shopping. That information brings knowledge, and this gives us a sense of relief and comfort. If […]

What You Can Do to Keep Your Dream of Homeownership Moving Forward [INFOGRAPHIC]

Some Highlights: Don’t put your homeownership plans on hold just because you’re stuck inside. There are several things you can do right now to keep your home search moving forward. Connect with an agent, learn about resource programs for things like down payments, and get pre-approved today. What You Can Do to Keep Your Dream […]

Don’t Let Frightening Headlines Scare You

There’s a lot of anxiety right now regarding the coronavirus pandemic. The health situation must be addressed quickly, and many are concerned about the impact on the economy as well. Amidst all this anxiety, anyone with a megaphone – from the main street media to a lone blogger – has realized that bad news sells. […]

Is Now a Good Time to Refinance My Home?

With interest rates hitting all-time lows over the past few weeks, many homeowners are opting to refinance. To decide if refinancing your home is the best option for you and your family, start by asking yourself these questions: Why do you want to refinance? There are many reasons to refinance, but here are three of […]

Why the Stock Market Correction Probably Won’t Impact Home Values

With the housing crash of 2006-2008 still visible in the rear-view mirror, many are concerned the current correction in the stock market is a sign that home values are also about to tumble. What’s taking place today, however, is nothing like what happened the last time. The S&P 500 did fall by over fifty percent […]

Economic Slowdown: What the Experts Are Saying

More and more economists are predicting a recession is imminent as the result of the pullback in the economy caused by COVID-19. According to the National Bureau of Economic Research: “A recession is a significant decline in economic activity spread across the economy, lasting more than a few months, normally visible in real GDP, real […]

A Recession Does Not Equal a Housing Crisis

Some Highlights The COVID-19 pandemic is causing an economic slowdown. The good news is, home values actually increased in 3 of the last 5 U.S. recessions and decreased by less than 2% in the 4th. All things considered, an economic slowdown does not equal a housing crisis, and this will not be a repeat of […]

Are We About to See a New Wave of Foreclosures?

With all of the havoc being caused by COVID-19, many are concerned we may see a new wave of foreclosures. Restaurants, airlines, hotels, and many other industries are furloughing workers or dramatically cutting their hours. Without a job, many homeowners are wondering how they’ll be able to afford their mortgage payments. In spite of this, […]

Three Reasons Why This Is Not a Housing Crisis

In times of uncertainty, one of the best things we can do to ease our fears is to educate ourselves with research, facts, and data. Digging into past experiences by reviewing historical trends and understanding the peaks and valleys of what’s come before us is one of the many ways we can confidently evaluate any […]

Two Big Myths in the Homebuying Process

The 2020 Millennial Home Buyer Report shows how this generation is not really any different from previous ones when it comes to homeownership goals: “The majority of millennials not only want to own a home, but 84% of millennials in 2019 considered it a major part of the American Dream.” Unfortunately, the myths surrounding the […]

5 Simple Graphs Proving This Is NOT Like the Last Time

With all of the volatility in the stock market and uncertainty about the Coronavirus (COVID-19), some are concerned we may be headed for another housing crash like the one we experienced from 2006-2008. The feeling is understandable. Ali Wolf, Director of Economic Research at the real estate consulting firm Meyers Research, addressed this point in […]

Buying a Home: Do You Know the Lingo? [INFOGRAPHIC]

Some Highlights: Buying a home can be intimidating if you’re not familiar with the terms used throughout the process. To point you in the right direction, here’s a list of some of the most common language you’ll hear along the way. The best way to ensure your homebuying process is a positive one is to […]

Yes, You Can Still Afford a Home

The residential real estate market has come roaring out of the gates in 2020. Compared to this time last year, the number of buyers looking for a home is up 20%, and the number of home sales is up almost 10%. The increase in purchasing activity has caused home price appreciation to begin reaccelerating. Many […]

Confidence Is the Key to Success for Young Homebuyers

Buying your first home can seem overwhelming. Thankfully, there’s a lot of great information out there to help you feel more confident as you learn about the process. For those in younger generations who aspire to buy, here are three things to consider sooner rather than later in your journey: 1. Understand What it Takes […]

Equity Gain Growing in Nearly Every State

Rising home prices have been in the news a lot lately, and much of the focus is on whether they’re accelerating too quickly and how sustainable the growth in prices really is. One of the often-overlooked benefits of rising prices, however, is the impact they have on a homeowner’s equity position. Home equity is defined […]

New Homes Coming to the Housing Market This Year

The number of building permits issued for single-family homes is the best indicator of how many newly built homes will begin to come to market over the next few months. According to the latest U.S. Census Bureau and U.S. Department of Housing & Urban Development Residential Construction Report, the number of building permits issued in January was 1,551,000. This is a […]

The Difference an Hour Makes [INFOGRAPHIC]

Some Highlights: Don’t forget to set your clocks forward this Sunday, March 8 at 2:00 AM EST in observance of Daylight Saving Time, unless you’re a resident of Arizona or Hawaii! Every hour in the United States, 568 homes are sold and median home values rise by $1.92. As we “spring forward” this year, let’s get […]

Impact of the Coronavirus on the U.S. Housing Market

The Coronavirus (COVID-19) has caused massive global uncertainty, including a U.S. stock market correction no one could have seen coming. While much of the news has been about the effect on various markets, let’s also acknowledge the true impact it continues to have on lives and families around the world. With all this uncertainty, how […]

Real Estate Is Soaring, But Not Like 2008

Unlike last year, the residential real estate market kicked off 2020 with a bang! In their latest Monthly Mortgage Monitor, Black Knight proclaimed: “The housing market is heating entering 2020 and recent rate declines could continue that trend, a sharp contrast to the strong cooling that was seen at this same time last year.” Zillow […]

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Forbearances Surge This Week; Mortgage Rates Are Headed Higher (Eventually)

The fates of the economy, the housing market, and interest rates remain closely intertwined with coronavirus. The pandemic is clearly responsible for the record-setting drop in economic activity (including the housing market). And it has clearly been the key source of motivation for both stocks and interest rates (which we can follow most objectively via […]

Mortgage Rates Are Headed Higher (Eventually)

Posted To: Mortgage Rate Watch The fates of the economy, the housing market, and interest rates remain closely intertwined with coronavirus. The pandemic is clearly responsible for the record-setting drop in economic activity (including the housing market). And it has clearly been the key source of motivation for both stocks and interest rates (which we […]

MBS RECAP: The Trend is Officially Broken. Welcome Back To The Range

Posted To: MBS Commentary The Trend is Officially Broken. Welcome Back To The Range Bond yields moved lower today, thus breaking out of the prevailing trend. In so doing, they find themselves squarely back inside a longer-standing sideways range, which is a great place to be with rates at all-time lows. Econ Data / Events […]

Forbearance rise erases roughly half of improvement seen since peak: Expert

(Please visit the site to view this media) CNBC's Kelly Evans discusses the reversal in forbearance declines with Andy Walden of Black Knight. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Forbearance rise erases roughly half of improvement seen since peak: […]

Invitation Homes CEO on suburban housing boom, protection for renters

(Please visit the site to view this media) The flight to the suburbs is real and growing as coronavirus changes the way people live. Suburban housing is seeing an uptick and leaving the future of dense metropolitan areas in question. Dallas Tanner, CEO of Invitation Homes, joins "Squawk on the Street" to discuss the trend. […]

Consumer sentiment index a slight miss, 78.1 vs 79 expected

(Please visit the site to view this media) CNBC's Rick Santelli reports on the latest round of consumer sentiment data as coronavirus cases spike in the U.S. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Consumer sentiment index a slight miss, […]

DPA, Forbearance, Broker Products; FHA, USDA Tweaks; Treasury/MBS Spread Update

Posted To: Pipeline Press There are plenty of tricks in any trade. Just-opened cellulose sponges are already damp because many are premoistened with sterile water. (Without H20, the material shrivels and hardens and looks unattractive in the store.) Watch a car commercial on TV: many have the street watered down to make the asphalt dark […]

Surge in Forbearances This Week

Posted To: MND NewsWire After three weeks of declining totals, Black Knight says the number of active COVID-19 forbearance plans shot up over the past week. As of June 23, there were 4.68 million homeowners in forbearance, an increase of 79,000 from the prior week. This surge erased about half of the improvement the company […]

Personal spending up 8.2% in May

(Please visit the site to view this media) CNBC's Rick Santelli reports on the latest economic data, including May personal income and consumer spending. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Personal spending up 8.2% in May Personal spending up […]

MBS Day Ahead: Another Chance to Break The Range

Posted To: MBS Commentary Although markets are still sideways relative to the bigger volatility of the previous 3 weeks, bond yields have trickled lower this week. This brought 10yr yields just outside their prevailing range yesterday morning, but they moved back up by the afternoon. Now today, they have another chance to break the range. […]

How Forbearances Made Mortgages More Expensive Despite All-Time Low Rates

Mortgage rates moved modestly lower today, bringing the average lender very close to all-time lows . The caveat continues to be that day-to-day rate changes have been small ever since hitting the confirmed all-time lows on June 11th. Realistically, if you locked in a rate any time in the past 4 weeks, you did very […]

Mortgage Rates Reflecting Market Concerns

Posted To: Mortgage Rate Watch Mortgage rates moved modestly lower today, bringing the average lender very close to all-time lows . The caveat continues to be that day-to-day rate changes have been small ever since hitting the confirmed all-time lows on June 11th. Realistically, if you locked in a rate any time in the past […]

Next 18 months will dictate economy's next five years: Morgan Stanley economist

(Please visit the site to view this media) Ellen Zentner, chief U.S. economist at Morgan Stanley, joins CNBC's Kelly Evans to talk about her outlook for the economy amid the coronavirus pandemic. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Next […]

MBS RECAP: Lots of Indecision, But The Outcome Should Make Sense

Posted To: MBS Commentary Lots of Indecision, But The Outcome Should Make Sense Both stocks and bonds are trading sideways after taking a step back from their early June momentum. This indecision reflects uncertainty about economic reopening vs rising covid case counts. As soon as a clear winner emerges, markets (and rates) will move accordingly. […]

Forbearance is Major Cause of Lender Overlays

Posted To: MND NewsWire In his analysis of current mortgage credit tightening for the Joint Center on Housing Studies excerpted here earlier, Don Layton included a special section on lender overlays . The former Freddie Mac CEO focused specifically on how those overlays may be affected by the borrower forbearance mandated by the CAREs Act […]

Wells Fargo's Mike Mayo on Big Bank exposure during the Covid crisis

(Please visit the site to view this media) Mike Mayo, managing director at Wells Fargo Securities, joins "Squawk Box" to discuss the exposure Big Banks have to some of the problem areas in the economy amid the coronavirus pandemic. …(read more) Forward this article via email:  Send a copy of this story to someone you know […]

US weekly jobless claims total 1.48 million, vs 1.35 million expected

(Please visit the site to view this media) Jobless claims totaled 1.48 million last week as unemployment related to the coronavirus pandemic remained stubbornly high. Economists surveyed by Dow Jones had been expecting 1.35 million claims. CNBC's Rick Santelli and Steve Liesman break down the results. …(read more) Forward this article via email:  Send a copy of […]

Fed adds Covid recovery scenarios to annual Big Bank stress test

(Please visit the site to view this media) The Fed will release the results of its annual bank stress test on Thursday. Given the pandemic and the sharp rise in unemployment, the banks are currently experiencing a real-life nightmare scenario. CNBC's Leslie Picker reports. …(read more) Forward this article via email:  Send a copy of this […]

MBS Day Ahead: The Case Against Mortgage Rates And a Note on Today's GDP

Posted To: MBS Commentary Let's get the housekeeping out of the way first. With so much talk in the news about the coronavirus effect on GDP, I figured I'd point out that today's -5.0% result is for Q1. Financial markets are much more interested in Q2's data, and even then, GDP isn't necessarily the first […]

Management, LO Jobs; Marketing, Processing, Default Products; High Balance Pricing

Posted To: Pipeline Press Some things are uncertain, like whether colleges, driven by ticket & TV income, bring back their football players when the rest of the student body “remains virtual” this autumn. (Harvard law school is online for the fall semester, for example, leading to a tuition lawsuit , of course.) Or if your […]

Home Price Gains Defied The Odds in April; Record Rates For Some, Frustration For Others

House prices continued to be unfazed by the current economic upheaval. The Federal Housing Finance Agency (FHFA) reports that its U.S. House Price Index for April, the first full month that reflects the impact of the pandemic, continued to rise almost unabated. The index increased by 0.2 percent from March compared to a 0.1 percent […]

MBS RECAP: Rising Rates Thwarted By Coronavirus Concerns

Posted To: MBS Commentary Rising Rates Thwarted By Coronavirus Concerns Stop us if you've heard this one before, but rates are low due to an unprecedented global emergency. Unless coronavirus situations deteriorates significantly, it's only fair for rates to gradually push back toward higher levels. But when case counts spike, bonds are still willing to […]

Record Low Rates For Some; Frustration and Confusion For Others

Posted To: Mortgage Rate Watch Mortgage rates moved modestly lower today, but face an uphill battle in general. They fell very quickly as coronavirus first hit financial markets. They hit multiple new all-time lows in since March 9th and continued setting new records as recently as last week for some lenders. In fact, there are […]

Housing market recovery remarkable: Ivy Zelman

(Please visit the site to view this media) CNBC's "Halftime Report" team is joined by Ivy Zelman, CEO of Zelman and Associates, to break down how she views the housing market amid the coronavirus pandemic. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to […]

Stocks fell as number of coronavirus cases continues to rise in U.S.—Here's what three experts say about reopening

(Please visit the site to view this media) Stocks fell as the number of coronavirus cases continued to rise in the U.S. Here's what three experts are saying about reopening the economy. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Stocks […]

How the pandemic has affected the commercial real estate business

(Please visit the site to view this media) Ivan Kaufman, Arbor Trust Realty CEO, joins "Squawk on the Street" to discuss how the coronavirus pandemic has changed the real estate business. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. How the […]

Mortgage demand pulls back slightly despite record-low interest rates

(Please visit the site to view this media) CNBC's Diana Olick reports the mortgage application data. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Mortgage demand pulls back slightly despite record-low interest rates Mortgage demand pulls back slightly despite record-low interest […]

Home Price Gains Defied The Odds in April

Posted To: MND NewsWire House prices continued to be unfazed by the current economic upheaval. The Federal Housing Finance Agency (FHFA) reports that its U.S. House Price Index for April, the first full month that reflects the impact of the pandemic, continued to rise almost unabated. The index increased by 0.2 percent from March compared […]

MBS Day Ahead: Have You Heard The One About The Uptrend?

Posted To: MBS Commentary Stop us if you've heard this one before, but rates are low due to an unprecedented global emergency. Unless coronavirus situations deteriorates significantly, it's only fair for rates to gradually push back toward higher levels. But if that's so obvious, why haven't rates already preemptively moved much higher? Why are mortgage […]

Marketing, Broker, Tax Products; VA, Construction Webinars; Tech Partnerships

Posted To: Pipeline Press Companies worldwide are grappling with continued travel bans, and how to bring back employees in waves, if at all. Others are re-designing office layouts, thinking about renting more space, and looking at the cost of footprint changes. Some employees can’t wait to return to office life, others are doing fine without […]