Home Sales Accelerate During The “Dog Days of Summer”

Some Highlights:

Existing home sales have accelerated to the highest pace since February 2007 at an annual pace of 5.57 million.
Inventory of homes for sale remains below the historically normal 6-month mark at a 4.6-month supply, down 5.8% year-over-year.
Median home sales prices rose to $247,700, 4.8% higher than a year ago and replaced the previous peak in May of $238,900.

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First-time buyers boost existing home sales

First-time buyers boost existing home sales
Existing home sales gained 1.1 per cent in June and the proportion of first-time buyers also increased from the previous month.

Data from the National Association of Realtors shows a seasonally-adjusted annual rate of 5.57 million home sales, up from a downwardly-revised 5.51 million in May. Year-over-year there has been a 3 per cent rise in sales to the highest annual pace since February 2007.

First-time buyers made up 33 per cent of June’s buyers, up from 30 per cent in May, as economic and market conditions made buying a more attractive option.

“The modest bump in June sales to first-time buyers can be attributed to mortgage rates near all-time lows and perhaps a hopeful indication that more affordable, lower-priced homes are beginning to make their way onto the market,” said NAR chief economist Lawrence Yun. “The odds of closing on a home are definitely higher right now for first-time buyers living in metro areas with tamer price growth and greater entry-level supply — particularly areas in the Midwest and parts of the South.”

The median price for existing homes was up 4.8 per cent year-over-year to $247,700 while inventory slipped 0.9 per cent to 2.12 million, 5.8 per cent lower than a year earlier.

“Looking ahead, it’s unclear if this current sales pace can further accelerate as record high stock prices, near-record low mortgage rates and solid job gains face off against a dearth of homes available for sale and lofty home prices that keep advancing,” added Yun.

Millennials are concerned about debt levels says FICO
Debt is still a major barrier to homeownership for young Americans with two fifths of US millennials concerned about their debt levels according to a survey by FICO.

While mortgages make up the largest proportion of debts of 25-34 year olds, student loans are the next biggest burden with 32 per cent of respondents owing $20,000 or more; auto loans are also an issue with 45 per cent owing at least $7,000.

“Our research shows that delinquency risk is highest among 25-34 year-olds, who are still developing their financial literacy skills and learning to manage their loans and lifestyle costs. The silver lining for lenders is that millennials aged 24-35 are keenly aware they may need some help. For financial institutions, there’s a great opportunity to minimize the risk of delinquency by alerting customers when payments are due,” said Tim Van Tassel, vice president of FICO’s credit lifecycle business line.

Near-4 per cent rise for home sales in this state
Home sales in Iowa gained 3.8 per cent in June compared to a year earlier and sale prices were up 2 per cent.

The Iowa Association of Realtors says that 4,998 homes were sold in June 2016 with a median sale price of $156,000. Sales were also up 4.6 per cent year-to-date compared to the same period of 2015.

“Home sales and prices across Iowa continue to be consistent with seasonal real estate trends. Regions across the country experience high highs and low lows, but Iowa continues to increase in value and popularity,” stated IAR President Ken Clark.

Buying a home is now easier than it has been in years.

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U.S. home prices up 5.6% in May

U.S. home prices rose 5.6 percent in May from a year earlier as buyers competed for a scarcity of listings.

Prices climbed 0.2 percent on a seasonally adjusted basis from April, the Federal Housing Finance Agency said in a report Thursday from Washington. The average estimate of 18 economists was for a 0.4 percent gain, according to data compiled by Bloomberg.

The improving job market and low mortgage rates are fueling competition for housing and driving up values. The inventory of previously owned homes on the market at the end of May fell 5.7 percent from a year earlier, according to the National Association of Realtors.

“Without relief from new construction, housing inventory will likely remain tight, boosting home prices and constraining affordability,” Fannie Mae Chief Economist Doug Duncan said in a July 19 statement on the outlook for U.S. economic growth.

The FHFA index measures transactions for single-family properties financed with mortgages owned or securitized by Fannie Mae and Freddie Mac. It doesn’t provide specific prices. The national median price of an existing single-family home was $241,000 in May, up 4.6 percent from a year earlier, according to the Realtors group.

Original Article

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Gold Financial Services, Inc. is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

Rents Skyrocket at Highest Rate in almost a Decade

The Consumer Price Index (CPI) was released by the Labor Department last week. An analysis by Market Watch revealed the cost of rent was 3.8% higher than a year ago for the second straight month in June. That’s the strongest yearly price gain since 2007. This coincides with a report released earlier this month in which AxioMetrics announced that rents are continuing to increase in 2016. The report revealed:

There was a 3.7% increase in effective rents in the second quarter of 2016 as compared to the same period last year.
That the effective rent growth this quarter compared to last quarter was 2.3%.
Annual effective rent growth was positive in 49 of the top 50 markets, based on number of units. Only Houston was negative, at -1.4%, as the fallout from energy-industry job losses and excess construction continues.

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Here is a graph to illustrate the rate of increase over the last several years:

Bottom Line

With rents continuing to rise and mortgage interest rates still at historic lows, meet with a local real estate professional who can help determine if you could turn your monthly rental cost into a home of your own.

Buying a home is now easier than it has been in years.

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Saving to Buy a Home? Buy NOW because the real cost just keeps rising.

Rates are low, but prices continue to rise…

As a seller, you will be most concerned with the ‘short term price’ – where home values are headed over the next six months. As a buyer, you must be concerned not with price but instead with the ‘long term cost’ of the home. Many economists have pointed to Brexit (Britain’s exit from the European Union) as a reason that interest rates will remain low for the next few months. But Trulia’s Chief Economist Ralph McLaughlin warns that this will not always be the case in a recent post:

“While the departure of the UK from the European Union has driven down the 10-year bond, and thus mortgage rates, we expect them to rebound later in the year as uncertainty over the economic consequences of the departure lifts.”

The Mortgage Bankers Association (MBA), the National Association of Realtors (NAR) and Freddie Mac all project that mortgage interest rates will increase by close to a full percentage point over the next twelve months. According to CoreLogic’s most recent Home Price Index Report, home prices will appreciate by 5.3% over the next 12 months.

What Does This Mean as a Buyer?

Here is a simple demonstration of what impact an interest rate increase would have on the mortgage payment of a home selling for approximately $250,000 today if home prices appreciate by the 5.3% predicted by CoreLogic over the next twelve months:

Buying a home is now easier than it has been in years.

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Big Banks Have Nearly Abandoned the FHA Market

By Brian Collins June 27, 2016
National Mortgage News

Big banks have drastically reduced their share of the Federal Housing Administration market, a massive shift that has big implications, according to new analysis by the American Enterprise Institute.

Large banks — which had a 60% share of FHA refinancings in late 2013 — had a 6% share as of May 31, according to Stephen Oliner, a resident scholar at AEI. Nonbank lenders currently originate 90% of FHA-insured refinancings, according to new data released by the group.

Large banks also had a 65% share of the FHA purchase market in 2012, which is now down to 20%, according to AEI.

“The shift away from large banks to nonbanks has been truly massive,” Oliner said.

The recent drop in interest rates is expected to spur another surge in refinancings due to Britain’s unexpected decision to leave the European Union.

But the large banks have decided that refinancing FHA loans is “not a good business” due to the regulatory environment and litigation risk, Oliner said.

“They are getting out,” he said, noting that many FHA lenders have been sued under the False Claims Act and had to pay huge fines to the Justice Department.

Banks also don’t get Community Reinvestment Act credit for refinancings. “So this is pretty much a lose-lose business for them,” Oliner said.

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74% of Households in the US Now Have Significant Equity!

But many do not realize it!

CoreLogic’s latest Equity Report revealed that 92% of all mortgaged properties are now in a positive equity situation, while 74% now actually have significant equity (defined as more than 20%)! The report also revealed that 268,000 households regained equity in the first quarter of 2016 and are no longer under water.

Price Appreciation = Good News for Homeowners

A study by Fannie Mae suggests that many homeowners are not aware of how their equity position has changed as their home has increased in value. For example, their study showed that 23% of Americans still believe their home is in a negative equity position when, in actuality, CoreLogic’s report shows that only 8% of homes are in that position.

The study also revealed that only 37% of Americans believe that they have “significant equity” (greater than 20%), when in actuality, 74% do!

This means that 37% of Americans with a mortgage fail to realize the opportune situation they are in. With a sizable equity position, many homeowners could easily move into a housing situation that better meets their current needs (moving to a larger home or downsizing). Fannie Mae spoke out on this issue in their report:

“Homeowners who underestimate their homes’ values not only underestimate their home equity, they also likely underestimate: 1) how large a down payment they could make with their home equity, 2) their chances of qualifying for mortgages, and, therefore, 3) their opportunities for selling their current homes and for buying different homes.”

CoreLogic’s report also revealed that if homes were to appreciate by an additional 5%, over 800,000 US households would regain positive equity.

Bottom Line

If you are one of the many homeowners who is unsure of your current equity situation and would like to know your options, contact a local real estate professional who can help.

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Gold Financial Services, Inc. is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

————————————————-old One

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Richardson, TX 75081
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Home Ownership is the #1 Way to Build Family Wealth

As the economy continues to improve, more and more Americans are seeing their personal financial situations also improving. Instead of just getting by, many are now beginning to save and find other ways to build their net worth. One way to dramatically increase their family wealth is through the acquisition of real estate.

For example, let’s assume a young couple purchased and closed on a $250,000 home in January. What will that home be worth five years down the road? Pulsenomics surveys a nationwide panel of over one hundred economists, real estate experts and investment & market strategists every quarter. They ask them to project how residential prices will appreciate over the next five years. According to their latest survey, here is how much value that $250,000 house will gain in the coming years.

Over a five-year period, that homeowner can build their home equity to over $40,000. And, in many cases, home equity is large portion of a family’s overall net worth.

Bottom Line

If you are looking to better your family’s long-term financial situation, buying your dream home might be a great option.

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Home Sales Accelerate During The “Dog Days of Summer”

Some Highlights:

First-time buyers boost existing home sales

Slaying Home Buying Myths – Perfect Credit & 20% Down? You only need 580 & 3.50% Down

U.S. home prices up 5.6% in May

Rents Skyrocket at Highest Rate in almost a Decade

Here is a graph to illustrate the rate of increase over the last several years:

Bottom Line

Saving to Buy a Home? Buy NOW because the real cost just keeps rising.

What Does This Mean as a Buyer?

Big Banks Have Nearly Abandoned the FHA Market

74% of Households in the US Now Have Significant Equity!

Price Appreciation = Good News for Homeowners

Bottom Line

Home Ownership is the #1 Way to Build Family Wealth

Bottom Line

Memorial Day Special for All Our HEROES