Housing Wire

MARCH 31, 2022

The online reaction was immediate — housing must be about to crash. That’s not to say that the data points the Fed used are incorrect — in fact, we are in a savagely unhealthy housing market , but it’s not a bubble. First, because there is no speculative debt demand going on today, there can’t be a housing bubble.

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Housing Wire

SEPTEMBER 22, 2022

Mortgage rates in the 6% range have frozen the housing market, forcing loan officers to find business outside their wheelhouses. With mortgage rates nearly doubling from the start of 2022, the LO, who has more than 20 years of experience in the industry, says it’s painful to see deals simply disappear. “I

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Housing Wire

MAY 4, 2022

This article is part of our housing market economic update series. At the end of this series, you can join us on May 10 for a Housing Market Update webinar. Yet, today’s housing market is nothing like the housing bubble of the mid-2000s. The combination of these factors has some feeling 2008 déjà vu.

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Housing Wire

OCTOBER 31, 2022

One of the unsung heroes of the most prolonged economic and job expansion ever recorded in history was the passing of the 2005 Bankruptcy Reform Act and the 2010 qualified mortgage rule under Dodd-Frank. Both these laws paved the way for more responsible lending and a more responsible consumer. Today, we are at 1.25

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Housing Wire

JANUARY 24, 2022

billion hit the market in the first two weeks of 2022, HousingWire reported last week , but that’s already old news. Since then, another nine private-label residential mortgage-backed securities (RMBS) offerings valued at $4.6 And it’s likely that even more deals will come to market prior to month’s end. billion have unfolded.

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Housing Wire

JUNE 14, 2023

The Federal Reserve (Fed) maintained the federal funds rate in the 5% to 5.25% range on Wednesday, following 10 consecutive hikes that brought rates to a level never seen since 2007. Today’s Fed decision will have an impact on the housing market. However, at Mortgage News Daily , mortgage rates were higher, at 6.98%.

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Housing Wire

DECEMBER 3, 2021

This week’s HW+ member spotlight features Reina Ramos, senior vice president, mortgage market leader at City National Bank of Florida. She joined CNBF after more than a decade with Seacoast Bank , where she served as senior vice president, residential lending production manager.

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Housing Wire

DECEMBER 29, 2022

As we close out 2022, it’s time to reflect on a historic year for the housing market, which was even crazier than the COVID-19 year of 2020. Housing permits and starts are falling now, even with the backlog of homes in the system. With less transaction volume , general incomes in the housing sector are falling.

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Housing Wire

OCTOBER 7, 2022

Even so, Credit Suisse is pursuing a restructuring effort that is expected to result in asset sales that will affect global markets to a degree, including the private-label mortgage securities market in the United States — where the European lender also operates. “Oh residential mortgage-backed securities (RMBS) operations.

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Housing Wire

AUGUST 30, 2022

While the growth rate is cooling monthly, we are still in a savagely unhhealthy housing market trying to get national inventory levels back to pre-COVID-19 levels. Nor can we ever have a credit sales boom again with lending standards back to normal. Case in point, purchase application data is already below 2008 levels today.

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Housing Wire

NOVEMBER 10, 2020

His corner of the Atlanta mortgage market – high-value home loans that wouldn’t be bought by the GSEs – was booming. So when that happens, you don’t originate, you don’t lend at par for something at 88. Self-employed borrowers take advantage of the tax laws,” said Dodson, who runs Mortgage Capital Advisors.

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Housing Wire

APRIL 8, 2022

One of the reasons that I moved into the “team higher mortgage rate” camp is that what I saw in January, February, and March of this year was so unhealthy that I labeled the housing market savagely unhealthy. However, a cool-down in prices is not the same thing as a housing crash.

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Boston Appraisal

JULY 22, 2019

The housing market across the country, and especially in Boston and New England, is experiencing a growth trend that’s accelerated over the last few years. With this apprehension in mind, we’ll discuss some of the things to expect from the housing market in the second half of 2019, going into 2020.

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Boston Appraisal

JULY 22, 2019

The housing market across the country, and especially in Boston and New England, is experiencing a growth trend that’s accelerated over the last few years. With this apprehension in mind, we’ll discuss some of the things to expect from the housing market in the second half of 2019, going into 2020.

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Housing Wire

NOVEMBER 10, 2022

From 1998 to 2006, according to Freddie Mac , the median annual mortgage rate was 6.45%. Therefore, there were more housing sales in 1996 than there will be this year. Mortgage rates today are not much higher than they were then. This is something that housing industry leaders should be thinking about — carefully.

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Housing Wire

MAY 31, 2022

Mortgage lenders and real estate investment firms this month entered tight housing markets in the Midwest and the Northwest to better reach prospective homebuyers, despite a challenging mortgage market. Chicago’s housing market started out hot in 2022. Department of Agriculture (USDA).

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Will Springer Realtor

OCTOBER 11, 2022

At what point will mortgage interest rates peak? Seriously though, there must be a ceiling to rising rates that have all but extinguished a robust housing market. While investors of mortgaged securities help dictate their interest rates, the Federal Reserve is behind the scenes influencing the overall lending environment.

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Housing Wire

APRIL 20, 2022

In the first article of this series, I discussed the argument for turning Fannie Mae and Freddie Mac into public utilities, which would result in more Americans having fair access to mortgage services. Without a national market, local supply and demand for mortgages could become unbalanced. housing market.

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Empire Appraisal Group

JULY 6, 2022

markets, but Fla.’s Six of the nation’s top 25 most overvalued housing markets are in the Sunshine State, which can expect to see a “prolonged period of unaffordability” even as prices in other regions of the country cool. We are poised to have a very hot market through 2022 and a very robust spring homebuying season.”.

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McKissock

SEPTEMBER 7, 2021

Additional indicators can be some of the factors that led up to the last market bust; there are plenty of articles online with which to familiarize yourself. Some early warning signs of housing market correction are: A) Listing inventory in MLS starts to climb steadily. F) Rapid changes in residential mortgage interest rates.

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Will Springer Realtor

OCTOBER 10, 2023

We are starting to see all of those signs following the release of September housing data from the Northwest Multiple Listing Service (MLS). Unfortunately for buyers, a combination of the typical seasonal trend and higher borrowing costs has slowed housing market activity to an excruciatingly slow pace – and there are concerning signs ahead.

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Appraisal Today

MAY 26, 2023

NOTE: Please scroll down to read the other topics in this long blog post on appraisal “modernization”, bias hearing, bad appraiser, USPAP, unusual homes, mortgage origination stats, etc. == Appraiser pleads guilty in $1.3B Varies widely around the country. == Mortgage applications decreased 4.6 billion tax fraud scheme.

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Appraisal Today

AUGUST 5, 2022

My comments : The big push to cut down on appraisal turn times because of the appraisal shortage is Very Old News since mortgage volume has plummeted. NOTE: Please scroll down to read the other topics in this long blog post on non-lender appraisals, real estate market, unusual homes, mortgage origination stats, etc.

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Housing Wire

JULY 18, 2022

The residential mortgage-backed securities (RMBS) market is reeling from an unfavorable interest-rate environment, which is expected to suppress private-label securities offerings for at least the rest of the year, a recent market outlook report concludes. The report focuses on so-called “RMBS 2.0

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Will Springer Realtor

MAY 9, 2022

The housing market has become bubbly,” said economist Enrique Martinez-Garcia of the Federal Reserve Bank of Dallas. He was one of the authors of a recent report that found signs of a housing bubble in the real estate market. This looks a lot like the housing boom that we saw prior to the 2007–09 financial crisis.”

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Housing Wire

APRIL 5, 2021

In its most recent annual report to Congress, November 2020, the Federal Housing Administration ( FHA ) published its “capital ratio,” a measure of capital reserves to insurance-in-force held within the Mutual Mortgage Insurance Fund (MMI Fund). The same report revealed FHA had amassed capital reserves in the amount of $78.9

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Will Springer Realtor

SEPTEMBER 8, 2021

That’s the most since 2007. One of the hottest search phrases on Google today is, “When is the housing market going to crash?”. Not “ Will the housing market crash?” We shared in a previous newsletter the many factors driving our buoyant housing market – and there is no end in sight to home appreciation.

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Housing Wire

MAY 17, 2022

During her visits, one thing stood out to Golding, who served as the Department of Housing and Urban Development ’s principal deputy assistant secretary from 2015 to 2017. With her nearly two decades of experience in the housing industry, Gordon secured Biden’s nomination to lead the federal agency. President Joe Biden clearly agreed.

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