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The housing market has shifted
Sacramento Appraisal Blog
MAY 11, 2022
The housing market has shifted over the past month. That’s what the stats are showing, and it’s what we’re hearing from the trenches.
2022
The VA’s little-known program for Native American veterans
Housing Wire
APRIL 20, 2022
A Department of Veterans Affairs lending program for Native American veterans has been severely underutilized, a government watchdog found.
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Is Your “Crazy” Neighbor Lowering Your Home’s Value?
Cleveland Appraisal Blog
APRIL 21, 2022
It’s tax appeal season and I’ve had several homeowners say that they feel their neighbors are negatively impacting the value of their home for different reasons. Is that the case? Can that be the case? Let’s talk about it. The homeowners of one property stated that their neighbors are a nuisance.
The Digital Transformation of Appraisal Data
Appraisal Buzz
FEBRUARY 28, 2022
“We tend to overestimate the effect of a technology in the short term and underestimate the effect in the long term.” This is the little-known Law of Amara that describes how we perceive the impact of new technology on our lives.
Bias: Blame the Messenger?
George Dell
APRIL 6, 2022
The messenger. Psychology research easily points out our tendency to dislike the bearer of bad news. It’s also intuitive. Bad news messengers do not smile when they bring the news. Sometimes they even look guilty. We humans can be really basic.
Don’t Be Alice!
The Appraiser Coach
JANUARY 18, 2022
In his classic novel Alice in Wonderland, author Lewis Carroll teaches an important principle through the character of the Cheshire Cat. Lost in the woods and faced with a crossroads, Read More.
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Some lenders won’t survive the purchase mortgage market of 2022
Housing Wire
APRIL 14, 2022
Consolidation in the mortgage industry is likely in 2022, analysts and lending executives said. Justin Woodward has experienced the best and the worst of the mortgage industry in only 18 months.
What Metaverse real estate means for mortgage professionals
Housing Wire
APRIL 5, 2022
The Metaverse is defined as the simulated digital world that mimics the real world through virtual reality and augmented reality in which users can interact. As the Metaverse expands, its offerings now include “virtual” real estate.
Why owning a home is the best hedge against inflation
Housing Wire
MARCH 10, 2022
On Thursday, the Bureau of Labor Statistics reported the same trend that all Americans have seen lately: the inflation rate of growth is rampant and doesn’t show any sign of easing up due to the Russian Invasion of Ukraine. The Consumer Price Index for all Urban Consumers “increased 0.8
FHA unveils 40-year loan modification option
Housing Wire
APRIL 4, 2022
The Federal Housing Administration (FHA) is moving to expand its COVID-19 loss mitigation “waterfall” by introducing a 40-year loan modification option and is asking the mortgage industry for input.
A shift in demand in the housing market
Sacramento Appraisal Blog
APRIL 25, 2022
Do you feel that? It’s change. The housing market is still elevated, but there’s no mistaking a different temperature – especially over the past week. STUFF ON MY MIND: This is designed to scroll quickly or digest slowly. The goal is to highlight stats and things I’m watching.
Is the Dallas Fed right to label this a housing bubble?
Housing Wire
MARCH 31, 2022
Are we headed to a housing bubble? The Dallas Fed on Thursday published an article titled: Real-Time Market Monitoring Finds Signs Of a Brewing U.S. Housing Bubble. The online reaction was immediate — housing must be about to crash. I disagree with this conclusion.
Copacabana? No Silly, It’s Cubicasa!
Cleveland Appraisal Blog
MAY 12, 2022
Have you been to the Copacabana? Perhaps you’ve been to the Copacabana nightclub in New York City, made popular by Barry Manilow’s song Copacabana in 1978. Of course, the original Copacabana is a vacation destination in Rio De Janeiro, South America.
New Home Construction Expectations for 2022
Appraisal Buzz
JANUARY 17, 2022
The housing market boomed in 2021 like few could have expected. What is on the horizon in 2022? Home prices are rising to record highs , and many policymakers and industry professionals have begun turning to building to ease shortages.
Freddie Mac rolls out direct deposit income verification
Housing Wire
FEBRUARY 17, 2022
Potential homebuyers seeking Freddie Mac -backed mortgages will no longer have to hunt for paper pay stubs to verify their income. Freddie Mac announced on Wednesday that it will roll out an automated process that allows mortgage lenders to assess a prospective homebuyer’s direct deposit income.
When Money Makes Itself
The Appraiser Coach
JANUARY 25, 2022
Idaho is a gorgeous state! I live in the backyard of the Teton Mountain Range and Yellowstone National Park, and I love going to the hills. Hiking through groves of. Read More.
FHA adds 40-year loan term to COVID-19 arsenal
Housing Wire
APRIL 19, 2022
The Federal Housing Administration told mortgage servicers that they can now offer a 40-year loan term as a COVID-19 recovery option. Servicers for FHA-insured mortgages can offer the modification immediately, according to the latest update to FHA’s mortgage lending policies.
“It’s crazy”: Homebuilders big and small struggle to finish projects
Housing Wire
FEBRUARY 22, 2022
homebuilder, housing starts, lumber, builders, builder confidence, construction. Nate Noel’s problem isn’t a lack of work. It’s everything else. “I
What 5% mortgage rates mean for the housing market?
Housing Wire
APRIL 15, 2022
We’ve all been wondering what 5% plus mortgage rates would do to the hot housing market, and now we’ve got that and a bag of chips.
Mortgage rates reach highest level since 2018
Housing Wire
MARCH 31, 2022
Mortgage rates keep climbing amid rising inflation , war in Ukraine, and disruptions to the supply chain, and there’s no sign that they’ll fall anytime soon.
5 predictions for the 2022 housing market
Housing Wire
JANUARY 10, 2022
This article is part of our HousingWire 2022 forecast series. After the series wraps, join us on February 8 for the HW+ Virtual 2022 Forecast Event.
Dude, stop obsessing over home prices
Sacramento Appraisal Blog
MAY 2, 2022
What are prices doing? That’s always the question, and I get it. But there are bigger fish to fry to understand what the housing market is doing. A shift: Over the past few weeks there has been a shift in demand, which is why this conversation is so important.
Mortgage applications continue fall amid 5% rate
Housing Wire
APRIL 13, 2022
Mortgage application volume dropped 1.3% for the week ending on April 8, from the previous week, as mortgage rates eclipsed the 5% mark. Refinance applications fell 5% from the prior week and 62% from the same week a year ago, according to the Mortgage Bankers Association ‘s weekly survey.
Why housing inventory is so low right now
Housing Wire
APRIL 11, 2022
Given the current housing inventory crisis, it might surprise people to realize this: we built too many homes during the housing bubble years. Wait, what? But we have a housing shortage, right?
Will the Infrastructure Bill Affect the Real Estate Market?
Appraisal Buzz
MAY 2, 2022
The housing market has experienced a turbulent few years, so what can industry experts expect in the future? You can pay attention to many indicators, but the recent infrastructure bill will reveal the most crucial information. These are a few ways it will affect real estate in the coming months.
The housing market is still savagely unhealthy
Housing Wire
APRIL 20, 2022
The National Association of Realtors reported that existing home sales for March came in as a miss of estimate at 5.77 million.
Housing inventory crisis continues in 2022
Housing Wire
JANUARY 12, 2022
Early in 2021, when I was talking about how people should worry about home prices overheating, I had a glimmer of hope that maybe toward the end of 2021 we would be spared another seasonal collapse of inventory.
Home affordability plummeted in fourth quarter
Housing Wire
JANUARY 3, 2022
Homeownership continues to swerve into unaffordable territory, with median-priced single-family homes becoming less affordable in three-quarters of the nation’s market, a report published by ATTOM Data Solutions last week said.
Mortgage delinquency rate reaches prepandemic levels
Housing Wire
JANUARY 11, 2022
Mortgage delinquency rates hit pre-pandemic levels in October due to labor market improvements and home equity increases, according to the most recent CoreLogic Loan Performance Report. The expectation is that rates will continue to decline during 2022. In October, 3.8%
Think US home prices are high? At least we aren’t Canada
Housing Wire
MAY 9, 2022
Home prices in the U.S. have been skyrocketing since 2020, however, I often like to remind people that no matter how crazy home-price growth is in America, at least we aren’t Canada.
FHFA hikes fees for high-balance and second-home loans
Housing Wire
JANUARY 5, 2022
The Federal Housing Finance Agency introduced new upfront fees on Wednesday for some high-balance and second-home loans sold to Fannie Mae and Freddie Mac. Upfront fees for high balance loans will increase between 0.25% and 0.75%, tiered by loan-to-value ratio.
Mortgage applications rise despite higher rates
Housing Wire
MAY 11, 2022
Prospective homebuyers aren’t deterred by the skyrocketing mortgage rates amid a slow start to the spring home-buying season this year.
Square footage, recessions, and gas prices
Sacramento Appraisal Blog
MARCH 21, 2022
I have a few things on my mind today. Let’s talk about square footage rules changing, crazy gas prices, and recession buzz. 1) NEW SQUARE FOOTAGE STANDARDS FOR APPRAISERS: If you didn’t know, Fannie Mae is adopting some changes with the way appraisers measure square footage (pdf).
Home inventory uptick expected within 6 months
Housing Wire
APRIL 6, 2022
Nearly 65% of homeowners planning to sell this year expect to list by the end of summer, which should provide a much-needed influx of inventory that should slow the explosive home price growth seen during the pandemic, according to a Realtor.com survey of prospective sellers.
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