Are you thinking about purchasing a home or refinancing your current loan? If so, I want to make sure you’re aware why now may be a great time to move forward. Interest rates are historically low, thanks in part to the Fed’s buying of Mortgage Backed Securities. But recently, the Fed has been coming under […]
Is Housing Slowing?
Are you thinking about purchasing a home, but media headlines have you wondering if we’re headed for the next housing bubble? The media often looks at the reports to create the most eye-catching headlines, even if they don’t tell the real story. For example, the Mortgage Bankers Association released their mortgage application data showing that […]
Help with Higher Bids and Beating Cash Offers
Over 60% of homes are being sold in a bidding war and over 25% of homes are being bought with cash. The only way to beat a higher bid, or beat the certainty of cash, is to offer more. But you may not be able to come up with additional cash or take a higher […]
Inflation and Home Loan Rates
As inflation rises, it typically causes mortgage rates to move higher as well. That’s because inflation is the arch enemy of interest rates, since it erodes the buying power of the fixed return that a mortgage holder receives. While inflation may look tame to everyone at this time, it’s my job to dig deeper for […]
Recent Move in Rates
Home loan rates have been moving higher of late, but they’re still at very attractive levels that are close to historic lows. The massive stimulus plans are causing fears of inflationary pressure – and remember inflation is the arch enemy of interest rates. This is because inflation erodes the buying power of the fixed return […]
Existing Home Sales Show Housing Will Remain Hot
The latest report on Existing Home Sales showed that the real estate market continues to be red-hot, and all signs are pointing toward it to remain that way. Inventory levels are at an all-time low, with less than a 2-month supply of homes on the market. And while prices have been moving up, purchasing a […]
Recent Move In Rates
Rates have risen a little recently, due to the market’s concern that there will be increased spending, debt, and inflation. The 10-Year Treasury yield is now at its highest level in a year. How can this happen when the Fed Funds Rate remains at zero? Let’s remember that the Fed Funds Rate and Mortgage […]
The Real Scoop on Affordability
Home prices are appreciating, and they will continue to do so. So, does that mean they’re less affordable? The media mistakenly looks at the significant move higher in the median home price, which is currently up 15% versus last year. But the median home price does not measure appreciation. Instead, it marks the middle price […]
A Gift for You, if You Open it Now
Imagine receiving a gift and having it taken away before you even had the chance to unwrap it. This could be happening in the very near future to everyone who is about to miss this amazing refinance opportunity. Rates are incredibly attractive and provide you with an opportunity to save a very meaningful amount of […]
The Fed’s Confusing Message
You may have recently heard that the Fed announced that they think the Fed Funds Rate will remain at zero through at least 2023. First and foremost, the Fed Funds Rate and Mortgage Rates are two totally different instruments. The Fed Funds Rate can change from one day to another, but a Mortgage Rate may […]
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