Home Sales Will Remain Hot This Summer

People always talk about the “spring buying season” when they talk real estate. However, this year it appears as though the summer real estate market will be just as hot. The most recent Foot Traffic Report released by the National Association of Realtors (NAR) revealed that there are more buyers out looking at homes right now than at any other time in the last two years including the past two springs (in orange below).

The Foot Traffic Report is compiled from data on the number of properties shown by Realtors. NAR further explains:

“Foot traffic has a strong correlation with future contracts and home sales, so it can be viewed as a peek ahead at sales trends two to three months into the future.”

We can see that the number of prospective purchasers out looking at homes has been greater each month this year compared to the same month in 2014. And, though foot traffic fell off last June as compared to May, this year it has increased nicely.

Bottom Line – It is a great time to buy a home!

The housing market will remain strong throughout the summer and into the fall, making for one of the best years in real estate over the last decade.

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.

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J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

1st Time Buyers Finally Crashing the Real Estate Party

There has been much conversation regarding the lack of first time home buyers in today’s real estate market. However, three recent reports seem to suggest that they are now entering the market in increasing numbers. The most recent Existing Home Sales Report from the National Association of Realtors (NAR) reported that:

“The percent share of first-time buyers rose to 32 percent in May, up from 30 percent in April and matching the highest share since September 2012. A year ago, first-time buyers represented 27 percent of all buyers.”

And, in a recent Washington Post article, Ken Harney revealed that:

“According to a June 19 Campbell/Inside Mortgage Finance tracking survey, which polls 2,000 real estate agents nationwide, first-time buyers accounted for nearly 39 percent of home purchases in May; that’s the highest level since August 2010.”

Also, according to American Enterprise Institute’s International Center on Housing Risk’s May First-Time Buyer Mortgage Risk Index (FBMRI), the share of first-time buyers stood at an estimated 52.2 percent. Lawrence Yun, the Chief Economist at NAR explained:

“The return of first-time buyers in May is an encouraging sign and is the result of multiple factors, including strong job gains among young adults, less expensive mortgage insurance and lenders offering low down payment programs.”

Bottom Line

It seems that the number of first time buyers is increasing for the first time in a long time. This further lends credence to the fact that the residential housing market is back.

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.

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J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

4 Reasons to Buy that New Home NOW!

Summer is here! The temperature isn’t the only thing heating up right now, so too is the housing market! Here are four great reasons to consider buying a home today instead of waiting.

1. Prices Will Continue to Rise

The Home Price Expectation Survey polls a distinguished panel of over 100 economists, investment strategists, and housing market analysts. Their most recent report projects appreciation in home values over the next five years to be between 11.8% (most pessimistic) and 26.7% (most optimistic). The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.

2. Mortgage Interest Rates Are Projected to Increase

Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have started to inch up, most experts predict that they will begin to rise even more over the next 12 months. The Mortgage Bankers Association, Fannie Mae, Freddie Mac & the National Association of Realtors are in unison projecting that rates will be up approximately 3/4’s of a percentage point over the next 12 months. An increase in rates will impact YOUR monthly mortgage payment. Your housing expense will be more a year from now if a mortgage is necessary to purchase your next home.

3. Either Way You are Paying a Mortgage

As a recent paper from the Joint Center for Housing Studies at Harvard University explains:

“Households must consume housing whether they own or rent. Not even accounting for more favorable tax treatment of owning, homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord plus a rate of return. That’s yet another reason owning often does—as Americans intuit—end up making more financial sense than renting.”

4. It’s Time to Move On with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise. But, what if they weren’t? Would you wait? Look at the actual reason you are buying and decide whether it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe it is time to buy.

Buy that New Home NOW!

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.

Here’s the Bottom Line:
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.

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J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

New Construction: Builders cannot get them up fast enough!

If you are planning on selling your home over the next two years, now may be the time to act. Demand is high, supply is low and many homeowners are benefiting from an almost auction atmosphere with several buyers fighting for their house in the current multi-bid environment.

Higher prices and less stringent contingencies are making it easier for the seller and their family. However, there may be more (and better) competition about to hit the market in the form of newly constructed homes. This may put an end to the buyers’ frenzy over the limited inventory of existing homes which has been below normal levels for over a year.

According to the latest report from the National Association of Realtors (NAR), the forecast for new housing starts and sales will increase significantly over the next two years:

NAR is forecasting 1.1 million new housing starts in 2015, jumping to 1.4 million in 2016.
New home sales are projected to increase from the 437,000 in 2014 to 570,000 this year and 720,000 in 2016.

Bottom Line

In DFW, building cranes are again stretched across the city skyline. In most suburbs, you can again hear the thumping of a carpenter’s hammer in the background. Those are the sights and sounds that inform us that it may be time to buy or move-up!

Call us 1st to avoid mortgage problems, Call us 2nd to SOLVE them.

J. Scott Harris
Vice President – Mortgage Miracle Working
NMLS #375517
Gold Financial Services, Inc.
Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

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Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

Another Happy New Home Owner! – Great Work Jani & Brian

Thank You All,

I can’t begin to tell you how happy we are to finally have our own home.
I’m so glad I found you guys, and would be more than happy to refer you to the world.
I would like to thank all of your team for what you have done, you really made this
whole process go very smoothly.
Keep up the great work and all the best to you and yours.

D & C H

We are very grateful for our clients who continue to refer us to their friends and family.
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J. Scott Harris
Vice President – MORTGAGE MIRACLE WORKING
NMLS #375517
Gold Financial Services, Inc.

885 E. Collins Blvd., Road, Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

Apply Online – www.MortgageXperts.com

Gold Financial Services, Inc.
is a division of Amcap Mortgage, Ltd. NMLS# 129122

Rapidly Increasing Home Values Pose Appraisal Problems

Lower Appraisal = Higher Downpayment

Every house on the market has to be sold twice; once to a prospective buyer and then to the bank (through the bank’s appraisal).

In a housing market where supply is very low and demand is very high, home values increase rapidly. One major challenge in such a market is that bank appraisal. If prices are jumping, it is difficult for appraisers to find adequate comparable sales (similar houses in the neighborhood that closed recently) to defend the price when doing the appraisal for the bank. With escalating prices, the second sale might be even more difficult than the first. And now, there may be a second issue further complicating the appraisal issue. The Mortgage News Daily (MND) recently published an article titled Conservative Appraisals Increasingly Mentioned in 2015; Did Something Change? The article revealed that there was a “flurry” of comments on their website from members expressing concern about…

“…a sudden increase in appraisals reflecting market values well below what had been expected. In some cases the low appraisals had merely required the restructuring of the loan, in others they killed the deal.”

The National Association of Realtors revealed this month that 8% of the contracts that fell through over the last three months were terminated because of appraisal issues. MND decided to survey their members and ask why this sudden increase in “short” appraisals could be taking place. Here is one result of that survey:

“Almost everyone we spoke to mentioned Fannie Mae’s new Collateral Underwriter (CU).”

Collateral Underwriter provides a risk score on individual appraisals which will lead to a ranking of appraisals by risk profile, allowing lenders to identify appraisals with heightened risk of quality issues, overvaluation, and compliance violations. It went on-line on January 26. Marianne Sullivan, senior vice president of single-family business capability with Fannie Mae believes that CU is not a problem for appraisers. She claimed:

“From an appraiser perspective, one of the lender’s responsibilities has always been to review the quality of an appraiser, and they have been using various methods to do that forever. I don’t think appraisers will find this tool to be disruptive.”

However, some think that CU has caused appraisers to become too cautious with their appraised values. One mortgage professional in the MND article explained it this way:

Sildalis is a combination of tadacip cheapest viagra price with sildenafil citrate. The interesting paradox to osteoarthritis though is that inactivity can be just viagra uk click here to find out more as harmful to the joints as is overuse and joint wear. Wide range of online impotency solutions are available that is easier to grab without revealing the discount viagra identity. This is the most common concern, for which we tend to suffer from varied kinds of diseases due to infections in any part of this system, therefore, a better understanding of different issues related to menstruation and reproductive health in women. tadalafil cialis india “My personal opinion is that appraisers are being overly conservative in choosing comps because of CU. If CU questions the comps, adjustments, etc., the appraiser would have to do a lot of extra work to justify them. I had anticipated that CU would cause delays because of this extra work, but it seems that appraisers are one step ahead and are being ultra conservative, thus avoiding the extra work in the first place. I haven’t spoken to an appraiser about it; this is just my interpretation of what I am seeing.”

Ryan Lundquist, a Certified Residential Appraiser in the Sacramento area, agreed:

“One of the unintended consequences of CU may be more conservative appraisals.”

Bottom Line

We must realize that, in today’s housing market, every house must be sold twice and the second sale (to the bank’s appraiser) could be the more difficult one.

J. Scott Harris
Vice President
NMLS #375517
Gold Financial Services, Inc.

5055 Keller Springs Road, Suite 500
Addison, TX 75001
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122Apply Online – www.MortgageXperts.com

Home Sales Skyrocketing!!

Yesterday, the National Association of Realtors (NAR) released their Existing Home Sales Report. The numbers shocked many analysts as they revealed a 10.4% increase over the same month last year.

This is the highest number of sales since September 2013. Sales have increased year-over-year for six consecutive months and the 10.4% increase is the highest annual increase since August 2013. March’s sales increase was the largest monthly increase since December 2010.

Lawrence Yun, NAR’s chief economist, explained:

“After a quiet start to the year, sales activity picked up greatly throughout the country in March. The combination of low interest rates and the ongoing stability in the job market is improving buyer confidence and finally releasing some of the sizable pent-up demand that accumulated in recent years.”

Here is a graph showing home sales so far this year:
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An increase in sales occurred in every region of the country even the Northeast that experienced one of their roughest winters in years:

Bottom Line

Houses are flying off the shelves. This may be the perfect time to sell yours.

Client’s Credit Score Jumps after 14 days in our Credit Coaching program – 628 to 656 – Now we just need the perfect house!

Most people do not realize their credit scores go up and down each month with the balances of their credit cards. If they are maxed out, the score goes lower.

If the balance is over the credit limit, they go MUCH lower.

This happy client was already approved with Gold Financial at 628 credit score.

But, we recommend 2 small tasks that would quickly raise her score and give her a lower interest rate. (Sorry competitors, no secrets revealed here)

FHA loans under 640 get more expensive. Many Banks and Mortgage Bankers will not even do them.

The credit score improvement for this buyer either lowers the rate by .25% over the life of the loan or saves 1.00% in fees at closing.

On a $200,000 loan, that is $2000 in today’s dollars.

We always work to get our buyers the best deal!

Call us 1st to avoid mortgage problems, Call us 2nd to SOLVE them.J. Scott Harris
Vice President – Mortgage Miracle Working
NMLS #375517
Gold Financial Services, Inc.
Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

5055 Keller Springs Road, Suite 500
Addison, TX 75001
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

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Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

APPROVED – 2 months in our Credit Coaching program – 545 to 600 – Now only 30 day to closing!

So many people fall into what I call the “credit drop out” category.

Bad things happen to good people. But, many people do not get up and dust them selves off. They just stay down, believing they are stuck as a renter and just pay cash for everything.

This particular buyer followed 2 simple recommendations and spent less that $500. She still has plenty saved for her down payment.

Rarely do we recommend credit repair. I recommend keeping the past problems in the past. We do not require collections or charge-offs to be paid.

Paying an old bad debt can ACTUALLY HURT THEIR CREDIT SCORE.

If someone is not rebuilding new credit, they lose out on 30% of their credit score points.

REALTORS & BUILDERS – Give us your motivated buyers even if scores in the low 500’s. Usually, we will give them back to you pre-approved and ready to buy before their next lease is up.

Call us 1st to avoid mortgage problems, Call us 2nd to SOLVE them.

J. Scott Harris
Vice President – Mortgage Miracle Working
NMLS #375517
Gold Financial Services, Inc.
Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

5055 Keller Springs Road, Suite 500
Addison, TX 75001
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

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Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

Is the Credit Grinch keeping you from buying a New Home for Christmas?

Many people get discouraged and become resigned to a life of renting.

But, the New York Times says Home Ownership is the #1 Wealth Creator.

The average net worth of a homeowner ($194,500) is 36X greater than that of a renter ($5,400).

Let us help you. We will never tell you NO. We might have to say, Not today.

In a surprising number of cases, we can help clients improve their scores to 580 and be ready to buy in 6 months or less.

We will design a step by step plan to improve your credit and make sure your income, cash to close and qualifying ratios are ready to go when your next lease is up.

This is NOT credit repair! We call it Credit Coaching.

We will work with you monthly to review your credit and qualifications until we can approve your new home loan.

Free Credit Report and our Credit Coaching commitment.

Click Here to get moving into your new home!

Call us 1st to avoid mortgage problems, Call us 2nd to SOLVE them.

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Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

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

Tag Archives: 1st Time Buyer

Home Sales Will Remain Hot This Summer

Bottom Line – It is a great time to buy a home!

1st Time Buyers Finally Crashing the Real Estate Party

Bottom Line

4 Reasons to Buy that New Home NOW!

1. Prices Will Continue to Rise

2. Mortgage Interest Rates Are Projected to Increase

3. Either Way You are Paying a Mortgage

4. It’s Time to Move On with Your Life

Buy that New Home NOW!

New Construction: Builders cannot get them up fast enough!

Bottom Line

Another Happy New Home Owner! – Great Work Jani & Brian

Rapidly Increasing Home Values Pose Appraisal Problems

Bottom Line

Home Sales Skyrocketing!!

Bottom Line

Client’s Credit Score Jumps after 14 days in our Credit Coaching program – 628 to 656 – Now we just need the perfect house!

APPROVED – 2 months in our Credit Coaching program – 545 to 600 – Now only 30 day to closing!

Is the Credit Grinch keeping you from buying a New Home for Christmas?