Texas Homes are More Affordable – 44 out of 50 States Housing is less than in 1995-2003 Average

With both home prices and mortgage rates increasing this year, many are concerned about a family’s ability to purchase a major part of the American Dream – its own home. However, if we compare housing affordability today to the average affordability prior to the housing boom and bust, we are in much better shape than most believe.

In Black Knight’s latest monthly Mortgage Monitor, they revealed that in the vast majority of the country, it is actually more affordable to purchase a home today than it was between 1995 to 2003 when looking at mortgage payments (determined by price and interest rate) as compared to incomes. Home prices are up compared to 1995-2003, but mortgage rates are still much lower now than at that time. Today, they stand at about 4.5%. Here are the average mortgage rates for each of the years mentioned:

1995 – 7.93%
1996 – 7.81%
1997 – 7.6%
1998 – 6.94%
1999 – 7.44%
2000 – 8.05%
2001 – 6.97%
2002 – 6.54%
2003 – 5.83%

On the other hand, wages have risen over the last twenty years.

Black Knight’s research revealed that, when comparing “the share of median income required to buy the median-priced home” today, to the average between 1995 to 2003, it is currently more affordable to purchase a home in 44 of 50 states.

Here is a state map of the percentage change in the price-to-payment ratio. Positive numbers indicate that it is less affordable to buy while negative numbers indicate that it is more affordable.

Bottom Line

Whether you are moving up to the home of your dreams or purchasing your first house, it is a great time to buy when looking at historic affordability data.

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Bottom Line

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS. Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.” If you have already started in our Qualification Coaching Program, call us, so we can check your progress! Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Loan App Now!

J. Scott Harris NMLS # 375517 & Jani Mansour NMLS # 877007
www.MortgageXperts.com

J. Scott Harris

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NMLS# 375517 | Company NMLS # 3274

Equal Housing Lender

Mortgage Money More Available Than Ever!

Mortgage credit availability was up in September, according to data from the Mortgage Bankers Association (MBA).

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The trade group’s Mortgage Credit Availability Index (MCAI) rose by 0.7 percent to 181.4 in September. All four component indices were up: The Conforming MCAI and the Conventional MCAI both recorded 1.5 percent upswings, followed by the Jumbo MCAI with a 1.4 percent increase and the Government MCAI inching up by 0.2 percent. September marked the fourth consecutive month that mortgage credit availability was on the rise.

“Mortgage credit availability increased in September due to continuing updates to conforming loan programs as well as agency jumbo programs that have been phased in over the last few months,” said MBA Vice President of Research and Economics Lynn Fisher. “For the year to date, the supply of credit has increased only modestly in the non-jumbo space while it has expanded significantly among jumbo programs.” Link to Original Article

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.” If you have already started in our Qualification Coaching Program, call us, so we can check your progress!

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick FREE Credit Analysis & Pre-Qualify Now!

J. SCOTT HARRIS | BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com | www.goldfinancial.com | Pre-Qualify Now

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

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

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

The Importance of Home Equity in Retirement Planning – REFI to a 15 year loan NOW

by The KCM Crew on June 22, 2017 in For Buyers, For Sellers

We often discuss the difference in family wealth between homeowner households and renter households. Much of that difference is the result of the equity buildup that homeowners experience over the time that they own their home. In a report recently released by the nonpartisan Employee Benefit Research Institute (EBRI), they reveal how valuable equity can be in retirement planning.

Craig Copeland, Senior Research Associate at EBRI, recently authored a report, Importance of Individual Account Retirement Plans and Home Equity in Family Total Wealth, in which he reveals:

“Individual account retirement plan assets, plus home equity, represent almost all of what families have to use for retirement expenses outside of Social Security and traditional pensions. Those families without individual account assets typically have very low overall assets, so they have almost nothing to draw from for retirement expenses.”

The report echoed the findings of a working paper, Home Equity Patterns among Older American Households, authored by Barbara Butrica and Stipica Mudrazija of Urban Institute. Fannie Mae highlighted these findings for their blog The Home Story this past winter, quoting Butrica and Mudrazija:

“For most adults near traditional retirement age, a home is their most valuable asset — dwarfing retirement accounts, other financial assets, and other nonfinancial assets. Although relatively few retirees tap into their home equity, having it provides financial security… In fact, many retirement security experts argue that the conventional three-legged stool of retirement resources — Social Security, pensions, and savings — is incomplete because it ignores the home.”

USAToday interviewed two area experts to comment on the EBRI report. Randy Bruns, a private wealth adviser with HighPoint Planning Partners, agreed with the findings:

“Social Security and home equity are major pieces of the retirement puzzle.”

Wade Pfau, Professor of Retirement Income at The American College of Financial Services and author of “Reverse Mortgages: How to use Reverse Mortgages to Secure Your Retirement,” said having the equity without a plan to use it won’t help:

“Home equity is a very important asset for American retirees, and so it is important to think about how to make best use of home equity in retirement planning.”

Bottom Line

Whether you use the equity in your home through a reverse mortgage or by selling and downsizing to a less expensive home, it should be a crucial piece of your retirement planning.

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YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

The KEYS to your new home are within reach!
Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

J. SCOTT HARRIS | BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com | www.goldfinancial.com | Pre-Qualify Now

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

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

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

Spring 2017 Dallas Fort Worth Real Estate Update

If you are looking to buy or sell a home, then three recent developments make this spring a unique moment to do so quickly and at a top price.

First, mortgage rates have stabilized.

From a low of 3.41% last July, the 30-year fixed mortgage rate spiked up after the election and reached a high of 4.31% in December.

However, rates have stabilized over the past few months, and despite the increase, they are still near historical lows.

Second, jobs are up.

The U.S. Bureau of Labor Statistics reports 235,000 new jobs in February and 2.3 million over the past year. This reflects continuing growth in consumer and business confidence over recent months.

Third, housing inventory is at a record low.

February saw a 17.9% year-over-year drop in the number of homes on the market. This is the 100th consecutive month of year-over-year declines, going back to October 2008.

So what do these three developments mean for you?

Demand for homes is strong and will continue to get even stronger due to the growth in jobs and the low and stable mortgage rates.

The statistics bear this out: homes sold within an average 68 days this February compared to 75 days in February 2016.

Get Pre-Approved to buy your new home in order to strengthen your offer and beat out the competition.

The KEYS to your new home are within reach!
Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!
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J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com | www.goldfinancial.com | Pre-Qualify Now

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

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

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

Have You Saved Enough for Closing Costs?

There are many potential homebuyers, and even sellers, who believe that they need at least a 20% down payment in order to buy a home or move on to their next home. Time after time, we have dispelled this myth by showing that many loan programs allow you to put down as little as 3% (or 0% with a VA loan). If you have saved up your down payment and are ready to start your home search, one other piece of the puzzle is to make sure that you have saved enough for your closing costs. Freddie Mac defines closing costs as:

“Closing costs, also called settlement fees, will need to be paid when you obtain a mortgage. These are fees charged by people representing your purchase, including your lender, real estate agent, and other third parties involved in the transaction. Closing costs are typically between 2 and 5% of your purchase price.”

We’ve recently heard from many first-time homebuyers that they wished that someone had let them know that closing costs could be so high. If you think about it, with a low down payment program, your closing costs could equal the amount that you saved for your down payment. Here is a list of just some of the fees/costs that may be included in your closing costs, depending on where the home you wish to purchase is located:

Government recording costs
Appraisal fees
Credit report fees
Lender origination fees
Title services (insurance, search fees)
Tax service fees
Survey fees
Attorney fees
Underwriting fees

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Is there any way to avoid paying closing costs?

Work with your lender and real estate agent to see if there are any ways to decrease or defer your closing costs. There are no-closing mortgages available, but they end up costing you more in the end with a higher interest rate, or by wrapping the closing costs into the total cost of the mortgage (meaning you’ll end up paying interest on your closing costs). Home buyers can also negotiate with the seller over who pays these fees. Sometimes the seller will agree to assume the buyer’s closing fees to get the deal finalized, which is known in the industry as ‘seller’s concession.’

(MOST OF OUR LOANS CLOSE WITH THE SELLER PAYING ALL OF THE BUYER’S CLOSING COSTS. – JSH)

Bottom Line

Speak with your lender and agent early and often to determine how much you’ll be responsible for at closing. Finding out you’ll need to come up with thousands of dollars right before closing is not a surprise anyone is ever looking forward to.

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

The KEYS to your new home are within reach! Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Loan App Now!

J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com | www.goldfinancial.com | Pre-Qualify Now

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

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

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

Very True 70+ years later…

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

Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”

If you have already started in our Qualification Coaching Program, call us, so we can check your progress!
The KEYS to your new home are within reach!

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Loan App Now!

J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
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(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com | www.goldfinancial.com | Pre-Qualify Now
LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles
www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in
Texas, Oklahoma & Louisiana
Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

First-Time Buyers Facing Higher-Priced Housing Market

Friday, April 22, 2016 – by Phil Hall

People trying to buy their first home are facing an increasingly expensive housing market, with home values on entry-level homes rising the fastest in more than half of the major metro areas.

According to new data from Zillow, more than one-third of the homes up for sale are in the most expensive segment. Overall, there are 5.9 percent fewer homes for sale than a year ago, and the inventory for entry-level homes is 10.4 percent below last year’s level.

Increasingly, entry-level homes are becoming more expensive in the hotter housing markets. Zillow noted that the median value of entry-level homes in Denver rose 20 percent year-over-year—in comparison, the pricey San Francisco market saw an 11 percent year-over-year increase in median values on this housing type, while the tumult-driven Detroit market experienced a 3.2 percent decrease in entry-level home values.

“It’s going to be a tough home-buying market this spring, especially for first-time buyers or even people looking to move up into a slightly more expensive home,” said Zillow Chief Economist Svenja Gudell. “In order to stand out in a competitive market, buyers should get pre-approved for a loan, find an agent who has experience with bidding wars, and consider coming in at the asking price, so the seller knows they’re serious.”

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

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”

Call us 1st to AVOID mortgage problems,
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Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana
Gold Financial Services, Inc. is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

US HOME PRICES RISE; DALLAS IS ONE OF 4 CITIES MATCHING ALL-TIME HIGH

Original AP Article 1/25/2016

WASHINGTON (AP) — U.S. home prices increased at a faster clip in November, the gains fueled by solid hiring growth, historically low mortgage rates and a shortage of houses on the market.

The Standard & Poor’s/Case-Shiller 20-city home price index rose 5.8 percent from a year ago, up from a 5.5 percent pace in October, according to a Tuesday report.

Home values nationwide have nearly recovered from their July 2006 peak, as the real estate market has slowly recovered from the housing bust that triggered the Great Recession. But several metro areas have fully rebounded from the downturn. Four metro areas – Dallas, Denver, San Francisco and Portland Oregon – have either matched or eclipsed their all-time highs. And Charlotte, North Carolina is less than 1 percent below its previous high.

Buyers crowded back into the housing market last year. Sales of existing homes rose 6.5 percent over the past year to 5.26 million, according to the National Association of Realtors. More Americans have been able to purchase homes as employers have added 2.7 million jobs and borrowing costs remain low. But the number of available listings has fallen 3.8 percent from a year ago, causing tight inventories that have fueled escalating prices.

The rising home values and limited selection could ultimately deter sales growth in 2016.

“The dearth of inventory has really taken its toll on the market,” said Nela Richardson, chief economist at the brokerage Redfin. “Homebuyers this year are motivated but not desperate, and they refuse to overpay. Without more listings what we’ll see are higher prices and lower sales volumes, a lousy way to start a new year for homebuyers.”

The rising prices have created some affordability pressures – such that down payments have fallen as a share of the purchase price even as they have increased in absolute terms.

For a conventional 30-year mortgage, the average down payment was 17.46 percent of the purchase price in the October-December quarter. That is down from 17.63 percent in the prior quarter, according to a Monday report by LendingTree, the online loan marketplace.

But buyers had to devote $51,721 for their average down payment at the end of 2015, a 5.72 percent increase from the third quarter.

The challenges caused by rising home values have been offset by falling mortgage rates in recent weeks.

Mortgage buyer Freddie Mac says the average rate on a 30-year fixed-rate mortgage declined to 3.81 percent last week from 3.92 percent a week earlier. Rates have historically averaged 6 percent, meaning that interest expenses are relatively low for homebuyers.

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: The Texas economy is solid and should be for years to come. Now is a good time to buy a home. Stop paying the Landlords mortgage for him. It is time to pay your OWN.

Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.
Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”

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.

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

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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!

Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.

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.

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

Follow @Harrisjscott
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Qualifying for a Mortgage is easier than you think!

A recent survey by Ipsos found that the American public is still somewhat confused about what is actually necessary to qualify for a home mortgage loan in today’s housing market. The study pointed out two major misconceptions that we want to address today.

1. Down Payment

The survey revealed that consumers overestimate the down payment funds needed to qualify for a home loan. According to the report, 36% think a 20% down payment is always required. In actuality, there are many loans written with a down payment of 3% or less.Here are the results from a Digital Risk survey done on Millennials:

We approve loans with 3.50% Down or less and credit scores at 580+ everyday.

2. FICO Scores

The Ipsos survey also 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 actuality, the average FICO scores of approved conventional and FHA mortgages are much lower.Here are the numbers from a recent Ellie Mae report:

We approve loans with 3.50% Down or less and credit scores at 580+ everyday.

Bottom Line

Here’s the Bottom Line:

If you are a prospective purchaser who is ‘ready’ and ‘willing’ to buy but not sure if you are also ‘able’, sit down with someone who can help you understand your true options..

We approve loans with 3.50% Down or less and credit scores at 580+ everyday.

Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

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We close loans every day that Banks would not, or could not approve.

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

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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

Tag Archives: Texas

Texas Homes are More Affordable – 44 out of 50 States Housing is less than in 1995-2003 Average

Bottom Line

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Mortgage Money More Available Than Ever!

The Importance of Home Equity in Retirement Planning – REFI to a 15 year loan NOW

Bottom Line

Spring 2017 Dallas Fort Worth Real Estate Update

Have You Saved Enough for Closing Costs?

Is there any way to avoid paying closing costs?

Bottom Line

Very True 70+ years later…

First-Time Buyers Facing Higher-Priced Housing Market

US HOME PRICES RISE; DALLAS IS ONE OF 4 CITIES MATCHING ALL-TIME HIGH

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

Qualifying for a Mortgage is easier than you think!

1. Down Payment

2. FICO Scores

Bottom Line