Don’t Let Rising Rents Trap You!

There are many benefits to homeownership. One of the top ones is being able to protect yourself from rising rents and lock in your housing cost for the life of your mortgage.

Don’t Become Trapped

Jonathan Smoke, Chief Economist at realtor.com recently reported on what he calls a “Rental Affordability Crisis”. He warns that,

“Low rental vacancies and a lack of new rental construction are pushing up rents, and we expect that they’ll outpace home price appreciation in the year ahead.”

The Joint Center for Housing Studies at Harvard University recently released their 2015 Report on Rental Housing, in which they reported that 49% of rental households are cost-burdened, meaning they spend more than 30% of their income on housing. These households struggle to save for a rainy day and pay other bills, such as food and healthcare.

It’s Cheaper to Buy Than Rent

In Smoke’s article, he went on to say,

“Housing is central to the health and well-being of our country and our local communities. In addition, this (rental affordability) crisis threatens the future value of owned housing, as the burdensome level of rents will trap more aspiring owners into a vicious financial cycle in which they cannot save and build a solid credit record to eventually buy a home.” “While more than 85% of markets have burdensome rents today, it’s perplexing that in more than 75% of the counties across the country, it is actually cheaper to buy than rent a home. So why aren’t those unhappy renters choosing to buy?”

Know Your Options

Perhaps, you have already saved enough to buy your first home. HousingWire reported that analysts at Nomura believe:

“It’s not that Millennials and other potential homebuyers aren’t qualified in terms of their credit scores or in how much they have saved for their down payment. It’s that they think they’re not qualified or they think that they don’t have a big enough down payment.” (emphasis added)

Many first-time homebuyers who believe that they need a large down payment may be holding themselves back from their dream home. As we reported last week, in many areas of the country, a first-time home buyer can save for a 3% down payment in less than two years. You may have already saved enough!

Bottom Line

Don’t get caught in the trap so many renters are currently in. If you are ready and willing to buy a home, find out if you are able. Have a professional help you determine if you are eligible to get a mortgage.
Buying a home is now easier than it has been in years.

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American Dream of Homeownership Still Very Much Alive

In a recent post, Trulia examined whether homeownership was again being seen by adults in the US as a “part of their personal American Dream.” Over the last five years:

The percentage of U.S. adults who believe homeownership is part of their American Dream increased from 70% to 75%
The percentage of 18-34 Year-olds who believe homeownership is part of their American Dream increased from 65% to 80%

Here is a graph of the survey over the last five years:

Bottom Line

As the housing industry recovers from the crisis of 2008-2010, Americans belief in homeownership as part of their own personal American Dream has also made a strong comeback.

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

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HomeReady Makes Buying A Home Easier! As FHA tightens, Fannie eases.

Fannie Mae launched a new First Time Home Buyers program called HomeReady designed to encourage home ownership. This great new loan program is designed to compete with FHA. For those clients looking for larger properties or that have higher credit scores, HomeReady is an excellent choice. As a home buyer, our team will provide you with all the tools and a customized analysis to ensure you are getting the best loan program at competitive rates to suit your needs.

There are many benefits for a borrower using HomeReady mortgages. Besides that it is accessible and the financing is practical here are a few more borrower benefits:

There is a low down payment. This is a huge perk because a down payment is a huge draw back for some people that want to purchase a home. The down payment is only 3% for loans up to $417,000 in Dallas Texas and all of Texas.
The down payment can come for the borrowers own funds or as a gift from a relative or fiancé.
HomeReady has an online home ownership education that really help buyers prepare and get ready for what is required as a homeowner. Completion of the home ownership course is mandatory. You can start the Framework Home ownership course here.
HomeReady is a conventional home financing program with a monthly mortgage insurance that can be easily be cancelled as compared to FHA which currently has mortgage insurance for the life of the loan when making the minimum down payment.

There are a lot of questions concerning HomeReady loans. While it is pretty easy to get a HomeReady loan it is also important to understand all the requirements and responsibilities that come with buying a home. Here are some common concerns and questions for HomeReady Mortgages:

· “How does a HomeReady mortgage make it easier to qualify?”

· “Why Should I Own Rather Than Rent?”

· “Home Much Can I Borrow”

· “How Much Will I Save In Taxes?”

· “Can I own any other homes with HomeReady?

· “How Much Financial History and/or Documentation Do I Need?”

“How does HomeReady mortgage make it easier to qualify?”

The most notable difference is that HomeReady uses flexible rules to determine applicants’ debt-to income ration. With the HomeReady program you can be a little more flexible in who’s income you include in your mortgage application, which is especially helpful if you have more than one generation living in the same house.

Other adults living with you, like an adult child, who also contributes to the house.
Family and friends who might be helping you pay the mortgage, but don’t live with you.
Are you renting out your basement apartment to help pay the mortgage? You can count that as part of your income under the HomeReady program.

“Why Should I Own Rather Than Rent?”

Homeownership has many benefits. Some of them include having a home where you can do whatever you want with it, paint, decorate you name it. Besides making it your home there are greater tax deductions and you can build up your own equity, not your landlords.

“Home Much Can I Borrow”

Most lenders try to have your total debt to be less than 45% of your gross monthly income. That percentage includes the new mortgage payments, any car loans, student loans, credit card, and any other debt you have occurred. It does not included things like cable bills, utilities, gym memberships and such. However, HomeReady does have flexible debt to income guidelines. If you have a history of paying your bills on time, then you may qualify for higher debt to income ratios up to 50% of your income.

You also need to think personally how much debt you can live with. Take time to determine how much debt you prefer to manage and if it is an amount you can one day pay off.

“How Much Will I Save In Taxes?”

Talk with a professional CPA or tax preparer to understand your deductions but for the most part, you can deduct from your income the amount of property taxes, interest, and for 2015 the mortgage insurance (this is income determined). This can help reduce your federal income tax burden thus allowing you to pay less in taxes. This reduction in your federal and state (if applicable) taxes often times makes buying more affordable than renting.

“Can I own more than one home with HomeReady?

No, because the occupant borrowers may not have an ownership interest in any other residential property at the time of loan closing.

Below are some of the highlights of the major changes from previous programs like Home Possible in My Community loans

The following list highlights some of the major policy changes that have been incorporated in the HomeReady mortgage:

· Borrower eligibility – Income limit of 80% of area median income. Eligibility is also provided for properties located in low-income census tracts with no borrower income limits, and up to 100% of AMI for properties located in high minority census tracts or designated disaster areas.

· Underwriting enhancements – Non-borrower household income from a family member is permitted as a compensating factor to support a higher debt-to-income (DTI) ratio in DU. The lender must obtain a written statement from the non-borrower that he or she intends to reside with the borrower in the subject property or can use the HomeReady Non-Borrower Household Income Worksheet and Certification (Form 1019) that has been developed to assist lenders in capturing the non-borrower household income requirements.
o Non-occupant borrowers are permitted for qualifying purposes.
o Boarder income guidelines have been updated to provide documentation flexibility.
o Rental income from an accessory unit may be considered in qualifying the borrower.

· Homeownership education – This is required for at least one borrower

· Mortgage insurance – Standard mortgage insurance is required on loans with LTV ratios at or below 90%, and 25% coverage is required for loans with LTV ratios above 90% to 97%.

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

Click Here to start your quick loan app Now!

Here’s the Bottom Line: Owning is cheaper than renting! Even is another Lender has said NO, we can help you.

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A $100 million home in Dallas: Is real estate at its peak?

Ever wanted to buy a home with 11 fireplaces, 12 bathrooms and two “staff wings”? The price tag, which started out at $135 million, is now $100 million. This property is on 25 acres in one of the most prestigious areas in Dallas, Preston Hollow. Preston Hollow is home to such billionaires as Kelcy Warren, Ross Perot, Mark Cuban and a handful of other notables.

The estate is on such a large piece of land that the entire subdivision is named after the owner, Thomas Hicks. Upon purchasing this home, you would become neighbors with Thomas Hicks’s longtime friend, George W. Bush. A sports tycoon, Hicks has been an owner of the soccer club Liverpool F.C., the Texas Rangers baseball team, the Dallas Stars hockey team and the Mesquite Championship Rodeo.

A $100 million single-family home is certainly a sign that the real estate market in Texas is at its highest point ever. The most expensive home ever sold (on record) was listed for sale at $30 million in 2009. Texas has a disclosure law, so the sales price is unknown. As of now, there are five listings in the city over $27 million.
Another active listing, located in Highland Park, sits on 6.138 acres and just took a massive price reduction to $46 million from its original listing price of $59 million. It is a single-family home as well.

When breaking down the comps for the $100 million estate you can see that a neighbor of Hicks had a price tag of well over $5 million, and it was on 1.1 acres. Another neighbor listed a home closer to $6 million, and it was on 0.85 acres. There is house right down the street from Hicks’s that is listed at $27.5 million. It is on 6.4 acres. These homes are not being sold for lot value, but you can start to see where this $100 million number came from. A 25-acre lot has never been for sale in Preston Hollow publicly.

Dallas is a booming city, and real estate investments are paying off. The relatively low cost of living and expanding job market have people flocking from all over the world. Even during the recession, the market stayed strong. Home prices, on average, did not drop as drastically as in other major cities. While certain neighborhoods were hit worse than others, this graph shows the Dallas market compared with other major cities.

Typically the real estate market is on a seven-year cycle. We are nearing that seven-year end point since the recession, and the bubble is certainly going to have to either deflate or pop in the near future. Dallas is a resilient city, and the tax laws in Texas (no state-level corporate or individual income tax) keep the economy flourishing and promote company moves to Texas.

Half of the 16 U.S. metro areas whose local economies grew at a 6% pace or better last year were in Texas. Toyota, State Farm Insurance, Liberty Mutual Insurance, and others have office deals totaling just shy of 8 million square feet, bringing thousands of jobs to the Dallas area.

Here’s the Bottom Line: Property Values are stable in Texas. Now is a great time to buy!

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Millennials: Do You Know What FICO Score is Needed to Buy a Home?

In a recent article by the Wharton School of Business at the University of Pennsylvania, it was revealed that some Millennials are not looking to purchase a home simply because they don’t believe they can qualify for a mortgage. There is a significant population that does not think they will be approved for a mortgage and doesn’t even try. The article also quoted Fannie Mae CEO Tim Mayopoulos :

“I do think that there’s a sense out there in the marketplace among borrowers that credit may not be available, especially for people with lower credit scores.”

So what credit score is necessary?

A recent survey reported that two-thirds of the respondents believe they need a very good credit score to buy a home, with 45 percent thinking a “good credit score” is over 780. In actually, the FICO score on closed loans (as reported by Ellie Mae) is much lower and has been dropping over the last several months.

Millennials who are considering a home purchase should get advice from a local real estate or mortgage professional now. They may be surprised how much the requirements for a mortgage have eased.

Here’s the Bottom Line: We APPROVE loans starting at 580 FICO Scores.

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Waiting to buy a home until after the Holidays, Isn’t a Smart Decision

Every year at this time, many homeowners decide to wait until after the holidays to put their home on the market for the first time.

Others who already have their home on the market decide to take it off the market until after the holidays.

Here are six great reasons not to wait:

1. Relocation buyers are out there. Companies are not concerned with holiday time and if the buyers have kids, they want them to get into school after the holidays.

2. Purchasers that are looking for a home during the holidays are serious buyers and are ready to buy.

3. You can restrict the showings on your home to the times you want it shown. You will remain in control.

4. Homes show better when decorated for the holidays.

5. There is less competition for you as a seller right now.

Let’s take a look at listing inventory as compared to the same time last year:

6. The supply of listings increases substantially after the holidays. Also, in many parts of the country, new construction will make a comeback in 2016. This will lessen the demand for your house.

Bottom Line

Waiting until after the holidays to sell your home probably doesn’t make sense

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Existing U.S. Home Sales Rise to Second-Highest Since 2007

By Victoria Stilwell – Mortgage Professional America Magazine – 22 Oct 2015
Original Article

Closings on existing homes, which usually occur a month or two after a contract is signed, climbed 4.7 percent to a 5.55 million annualized rate, the National Association of Realtors said Thursday. The increase was entirely due to a jump in purchases of single-family dwellings.

Higher property values and improved job security are helping persuade more Americans to trade up and relocate, providing a source of support for the economy amid a global slowdown. Faster new-home construction that brings additional housing supply to the market is needed to lure first-time buyers and provide a further boost to the industry.

“The trend of steady improvement continues,” said Richard Moody, chief economist at Regions Financial Corp. in Birmingham, Alabama, who was among the closest forecasters of the housing data in a Bloomberg survey. “Consumers are feeling better and they’re becoming more willing to make that commitment, but it’s still more skewed to the upper-end of the market than we’d probably like it to be.”

The median forecast of a Bloomberg survey of economists called for 5.39 million. Estimates in the Bloomberg survey of 75 economists ranged from 5.25 million to 5.55 million. August’s rate was revised to 5.3 million from a previously reported 5.31 million.

Compared with a year earlier, purchases increased 8 percent in September on an unadjusted basis.

The median price of an existing home increased 6.1 percent to $221,900 from $209,100 in September 2014.

Here’s the Bottom Line: The Market is HOT HOT HOT !
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Applying For A Mortgage: Why So Much Paperwork?

We are often asked why there is so much paperwork mandated by the bank for a mortgage loan application when buying a home today. It seems that the bank needs to know everything about us and requires three separate sources to validate each and every entry on the application form. Many buyers are being told by friends and family that the process was a hundred times easier when they bought their home ten to twenty years ago. There are two very good reasons that the loan process is much more onerous on today’s buyer than perhaps any time in history.

The government has set new guidelines that now demand that the bank prove beyond any doubt that you are indeed capable of affording the mortgage. During the run-up in the housing market, many people ‘qualified’ for mortgages that they could never pay back. This led to millions of families losing their home. The government wants to make sure this can’t happen again
The banks don’t want to be in the real estate business. Over the last seven years, banks were forced to take on the responsibility of liquidating millions of foreclosures and also negotiating another million plus short sales. Just like the government, they don’t want more foreclosures. For that reason, they need to double (maybe even triple) check everything on the application.

However, there is some good news in the situation. The housing crash that mandated that banks be extremely strict on paperwork requirements also allowed you to get a mortgage interest rate probably at or below 4%. The friends and family who bought homes ten or twenty ago experienced a simpler mortgage application process but also paid a higher interest rate (the average 30 year fixed rate mortgage was 8.12% in the 1990’s and 6.29% in the 2000’s). If you went to the bank and offered to pay 7% instead of <4%, they would probably bend over backwards to make the process much easier.

Here’s the Bottom Line:

Instead of concentrating on the additional paperwork required, let’s be thankful that we are able to buy a home at historically low rates.

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J. Scott Harris – MortgageXperts.com

Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them! We close loans every day that Banks would not, or could not approve. NMLS # 375517 – Mobile 214-435-8825

Don’t Let Rising Rents Trap You!

Don’t Become Trapped

It’s Cheaper to Buy Than Rent

Know Your Options

Bottom Line

American Dream of Homeownership Still Very Much Alive

Here is a graph of the survey over the last five years:

Bottom Line

We will NEVER give up on your dream to buy a new home!

HomeReady Makes Buying A Home Easier! As FHA tightens, Fannie eases.

A $100 million home in Dallas: Is real estate at its peak?

Realtors & Builders – If I could help you Close 1 MORE deal a month, Would you be interested?

Millennials: Do You Know What FICO Score is Needed to Buy a Home?

So what credit score is necessary?

Millennials who are considering a home purchase should get advice from a local real estate or mortgage professional now. They may be surprised how much the requirements for a mortgage have eased.

Waiting to buy a home until after the Holidays, Isn’t a Smart Decision

Bottom Line

Existing U.S. Home Sales Rise to Second-Highest Since 2007

Applying For A Mortgage: Why So Much Paperwork?