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Real Estate: Are There Limits To Housification?

Real Estate: Are There Limits To Housification?

| May 2, 2016 | 1 Comments

We tried, we really tried. Housification™ – the effort to continually raise homeownership levels – seems to have a natural limit within the US. The homeownership rate stood at 63.5 percent for the first quarter of 2016, the very same level we had 50 years ago. Increasing levels of homeownership has been a national goal […]

Real Estate: Is The Housing Boom Here?

Real Estate: Is The Housing Boom Here?

| April 25, 2016 | 0 Comments

The housing boom should be here, it really should. All the historic notions associated with a prosperous and solid real estate marketplace seem to be in place. If you think about real estate you know that to have a booming market we need low interest rates. Well, we have that. Rates have been below 4 […]

The Real Reason Mortgage Rates Keep Falling

The Real Reason Mortgage Rates Keep Falling

| April 18, 2016 | 0 Comments

By now mortgage rates were supposed to moving higher but that hasn’t been the case. Instead, lenders are elated to unload cash at rates which are beginning to approach the record lows seen in 2012. The loser in all of this is the Federal Reserve. It raised rates in December and the nation’s banks instantly […]

Trump, Sanders on Recession & Real Estate

Trump, Sanders on Recession & Real Estate

| April 4, 2016 | 1 Comments

  Donald Trump says America is on the verge of a “massive recession,” a view which is not just widely shared, it’s a reality for tens of millions of people. While it may seem strange to the economists who have largely lined up against the Trump perspective, the idea that the American economy is not […]

Are Old People Too Dumb To Get A Mortgage?

Are Old People Too Dumb To Get A Mortgage?

| March 28, 2016 | 4 Comments

The are some snippets of information which are hard to miss and this one surely caught my interest: According to the Mortgage Bankers Association, “cognitive decline impacts the housing behavior of older Americans.” Does this mean older people are increasingly too dumb to buy real estate or get a mortgage? Apparently in some cases the […]

Real State Borrowers Face New Mortgage Scams

Real State Borrowers Face New Mortgage Scams

| March 21, 2016 | 0 Comments

While borrowers worry about mortgage rates they sometimes forget that real estate financing takes place in the real world – a world filled with predators and mortgage scams. The Federal Trade Commission and the National Association of Realtors are now advising borrowers to be on the look-out for scammers who will empty your bank-account with […]

Low Mortgage Rates Power Rising Home Prices

Low Mortgage Rates Power Rising Home Prices

| March 14, 2016 | 0 Comments

Mortgage rates never move in a straight line. Whether moving up or down you can’t get excited about little blips here and there, a lesson we are seeing played out in 2016. According to Freddie Mac the rate for 30-year, prime mortgages stood at 3.97 percent as of January 7th. By March 10th the rate […]

Do You Know VA’s Qualified Mortgage Rules for Streamline Refinances

Do You Know VA’s Qualified Mortgage Rules for Streamline Refinances

| March 7, 2016 | 0 Comments

The VA loan program’s no-frills refinance option got a slight makeover last year in the wake of major mortgage industry changes. But most veteran homeowners won’t notice much difference in their pursuit of a VA Interest Rate Reduction Refinance Loan (IRRRL), better known as a VA Streamline. Nearly all VA loans are considered “safe harbor” […]

Real Estate: Was Moving To Pensacola A Mistake?

Real Estate: Was Moving To Pensacola A Mistake?

| February 29, 2016 | 3 Comments

Pensacola got hit with a tornado last week, an event which raises a question: Was moving eight months ago to a place with great beaches and no state income tax a mistake? Surely that’s a question which must have occurred to someone. After all, a tornado that squashed an apartment building, uprooted trees and damaged […]

FHA Mortgages Face New Loan Competition

FHA Mortgages Face New Loan Competition

| February 22, 2016 | 0 Comments

FHA mortgages have been under fire for a very long time, not because they’re a “bad” form of financing but because they’re an example of government directly competing with the private mortgage insurance companies. To resolve this “problem” there have been various back-door efforts to scuttle the FHA program, but now the lending industry is […]