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Falling Foreclosures Pushing Up Home Prices

As foreclosure backlogs have decreased, so have many of the big discounts on home prices. The slowdown in foreclosures is partially behind the recent rise in home prices, some economists say. “Deeply discounted existing homes have been subject to strong demand from cash buyers and investors looking to lock into housing’s attractive income returns,” says Paul Diggle, a housing economist at Capital Economics. “The supply of such homes, meanwhile, has been dwindling. Search bayside ny real estate

That has bid up existing house prices, particularly at the lower end of the price spectrum." The median price of existing homes nationwide was 9.5 higher in August compared to a year ago, and new home prices were up 17 percent in that same time period. Distressed properties typically sell for big discounts. For example, in 2007 during a nationwide foreclosure surge, foreclosures tended to sell for about a third of the median price of the home. Search bayside ny real estate

The housing markets with some of the largest price falls tended to have the highest number of distressed home sales. Lately, foreclosures have been posting big drops. Last month, new foreclosure filings reached a five-year low, according to RealtyTrac, a real estate research firm that tracks foreclosure housing data. “There is a shortage of inventory — as crazy as it sounds to say that,” says Daren Blomquist, a RealtyTrac spokesman. “In a lot of market there's less inventory of foreclosed properties than there is demand. You’re hearing about multiple bids for these properties.” Source: “Foreclosure Slowdown Pushing Home Prices Higher,” NBC News (Oct. 11, 2012)

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Foreclosure Scams on the Rise

The number of foreclosure-rescue scams are on the rise and will likely exceed 2011 numbers, according to the Treasury Department’s Financial Crimes Enforcement Network. These scams target struggling home owners and these so-called rescuers promise they will save the home owner from foreclosure by negotiating — for a fee — a loan modification on their behalf or selling their home to investors. In some cases, the home owner not only loses money as a result of these schemes but also the title to their home, FinCen reports. Searh Bayside NY Real Estate

FinCen announced that foreclosure-related scams will likely exceed the 2,782 reported in all of 2011. In just the first half of 2012, 2,360 foreclosure-related scams had already been reported.Bayside NY Real Estate

FinCen officials suspect that a growing public awareness of foreclosure scams is what’s behind the increase in reporting. Bayside NY Real Estate

The Department of Justice announced this week a crackdown on foreclosure-rescue scams with the arrest of more than 500 people accused of conducting such scams, allegedly leading to about $1 billion in losses. Bayside NY Real Estate

While the number of foreclosure scams is on the rise, overall mortgage fraud is falling, dropping 41 percent at the beginning of this year compared to 2011, FinCen reports. Bayside NY Real Estate

Source: “Foreclosure-Rescue Scams on the Rise: FinCen,” HousingWire (Oct. 9, 2012)

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Sales are quickening their pace as the time to sell a home decreases and falls more in line with a “balanced” housing market, according to new research by the National Association of REALTORS®.

The median time a home listed for sale was on the market in July was 69 days, down from 98 days one year earlier. Broken down further, one-third of homes purchased in July were on the market for less than a month, and one in five of homes purchased in July were on the market for at least six months.

“As inventory has tightened homes have been selling more quickly,” says Lawrence Yun, NAR’s chief economist. “A notable shortening of time-on-market began this spring, and this has created a general balance between home buyers and sellers in much of the country. This equilibrium is supporting sustained price growth, and homes that are correctly priced tend to sell quickly, while those that aren’t often languish on the market.”

By the end July, a 6.4-month supply of homes were on the market at the current sales pace. That is 31.2 percent below year-ago levels, when there was a 9.3-month supply.

With supplies of homes tighter, economists expect home prices to continue their trend upward.

“Our current forecast is for the median existing home price to rise 4.5 to 5 percent this year and about 5 percent in 2013, which is somewhat stronger than historic norms because of the inventory shortfall that is most pronounced in the low price ranges,” Yun says.

Source: National Association of REALTORS®

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With short sales, home owners work with a bank on a solution to get out of a house they may no longer be able to afford or have to sell urgently for some reason. That’s why some argue short sales shouldn’t damage a person’s credit score in the same way as foreclosures, which can be much more costly for banks.

So should the penalty for a foreclosure more severely damage a borrower’s credit score than a short sale? No, maintains a new FICO study.

FICO conducted a study to determine the credit risk associated with “mortgage stress events,” such as foreclosures and short sales, by analyzing data from October 2009 to October 2011.

“While it is true that short sales represent slightly better risk than foreclosures, they do not perform well enough to merit a more positive treatment in the FICO Score,” according to a recent blog post on the FICO Web site.

The blog post goes on to explain that one out of every two borrowers who undergo a short sale go on to default on another account within two years. Also, according to researchers, an overwhelming majority of borrowers who went through a short sale also had some other mortgage delinquency in their credit history.

“From a weighting perspective, all these mortgage events – short sale, foreclosure, deed in lieu – fall into the same heavyweight class, because they correlate with exceptional riskiness,” the FICO blog post notes. “They aren’t alone in that class either. Based on the data, consumers with short sales perform no better than consumers who have a severe delinquency (90-plus days past due), a collection, or a derogatory public record (e.g., bankruptcy, tax lien, etc.) on file.”

Source: FICO Banking Analytics Blog

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Fixed-rate mortgages continued to hover near all-time lows, keeping home buyer affordability high.

Freddie Mac reports the following averages in this week’s mortgage market survey:

30-year fixed-rate mortgages: averaged 3.55 percent, with an average 0.7 point, dropping from last week’s 3.59 percent average. A year ago at this time, 30-year rates averaged 4.12 percent. 15-year fixed-rate mortgages: averaged 2.86 percent, with an average 0.6 point, holding steady from last week’s average. A year ago, 15-year rates averaged 3.33 percent. 5-year adjustable-rate mortgages: averaged 2.75 percent, with an average 0.7 point, dropping from last week’s 2.78 percent average. Last year at this time, 5-year ARMs averaged 2.96 percent. 1-year ARMs: averaged 2.61 percent, with an average 0.4 point, falling from last week’s 2.63 percent average. A year ago, 1-year ARMs averaged 2.84 percent.

Source: Freddie Mac

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Construction Spending Posts Big Drop in July | Real Estate In Todays Economy

Construction Spending Posts Big Drop in July | Real Estate In Todays Economy

More Housing Indexes Point to Pricing Rebound | Real Estate In Todays Economy

More Housing Indexes Point to Pricing Rebound | Real Estate In Todays Economy

Famous Quotations For The Day | Best Quotes and Affirmations

Famous Quotations For The Day | Best Quotes and Affirmations

Movers Hold Home Owners’ Items Hostage? | Real Estate In Todays Economy

Movers Hold Home Owners’ Items Hostage? | Real Estate In Todays Economy

Fannie, Freddie to Hike Loan Fees | Real Estate In Todays Economy

Fannie, Freddie to Hike Loan Fees | Real Estate In Todays Economy

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New Long Island and Queens Homes On The Market – August 9, 2012

A few great homes came on the market today. As I am sure everyone has heard whether it is real estate in Long Island NY or Real Estate in Queens NY there are still great deals.

Today in Bayside NY a two family home came on the market on 61-30 220 Street. It has five bedrooms and 3 bathrooms and it situated on a 3442 square foot lot. The asking price is $689,000. A Expanded Cape on 53-15 217 St Bayside NY came on the market which is asking $868,888. It has 4 bedrooms and 2.5 baths and is situated on a over 6000 square foot lot.

As far as Real Estate in Roslyn NY, a wonderful property came on the market on 6 Wren Dr Roslyn NY, it is a Colonial in Nob Hill asking $985,000 It is in a great Location and the interior square footage is 4000 square and has a Slate Courtyard Entry On a half Acre Property. This is a True Center Hall Colonial Features 6 bedrooms and 3 bathrooms. The rooms are Oversized Rms For Entertaining!

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CitiMortgage Said To Bring About Home Rental Program as Foreclosure Alternative

As I walked into the office this morning I saw Robert sitting at his desk. He was staring at his computer with his cup of coffee in his ever so desirable mug with a picture of his family on it. I approached Robert and asked how his morning is going, he said it was find and told me that there was news regarding told CitiMortgage. He said CitiMortgage told the public about the launch of their Home Rental Program, which is a system with the purpose to give an alternative to foreclosure and perhaps give eligible borrowers to stay in their houses.

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Lease payments will be determined by local market rates but are expected to be lower than the borrower’s mortgage obligation. Carrington will work with borrowers to establish a length for each lease.

The system will be tested in 6 of the biggest-hit markets to determine its effectiveness. The areas are the following Arizona, California, Texas, Florida, Nevada, and Georgia. Carrington will seek contact to property owners who are eligible.

In order to qualifyfor the system, homeowners must: Live in the Home; owe more than their home is worth; be delinquent for one hundred twenty days; and not have the ability to get an affordable loan modification while still having the resources to give their rental payments. Also, home owners must have a loan in the pilot portfolio serviced by Carrington.

To implement the system, CitiMortgage has changed the ownership of debts in its portfolio through the sale of over one hundred fifty million dollars in loans to the Carrington/Oaktree partnership.Hopefully this will help the housing recover quicker.

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After over three months of dynamic mortgage rates which was popular among home buyers—started creeping back upwards recently. The median thirty year mortgage had dropped or matched record lows for over three months and this week, there was a lot of mixed speculation about economic news which prompted mortgage rates to inch higher.

It was said that mixed domestic economic indicators increased the upward pressure on Treasury yields as well as mortgage rates over the week.
Along with mortgage rate news, foreclosures were in the news. Home owner's are allowed another extension to the program which would allow home owners that were foreclosed on to ask for a review on their situation.

In the beginning, the Federal Reserve and the Office of the Comptroller of the Currency had put deadlines in place earlier this year, which have continued to move that date back to give more home owners time to take advantage and let friends and family know.

The purpose of the extension is to provide more time to increase awareness about the Program Independent Foreclosure Review and how the creditable borrowers may ask and encourage the broadest participation possible

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FHA Announces New Details for Distressed Loan Sale

During a conference call Wednesday, Acting Federal Housing Administration (FHA) Commissioner Carol Galante announced applications are now being accepted for the Distressed Asset Stabilization Program, which is scheduled to hold its next sale in September.

About 40 percent of the sale will be concentrated in four hard-hit metro areas: Chicago, Newark, Phoenix, and Tampa, where about 3,500 loans are to be sold.

Assuming this upcoming sale is successful, Galante said FHA intends to look at other geographies with significant inventory for future sales.

When the program expansion was first announced in June, an upwards of 5,000 loans were expected to be sold. Now, Galante said the national number appears to be closer to 9,000.

While the new number is an approximation for now, Galante explained much more interest has been generated for the program since the loan sales will be held on an ongoing quarterly basis.

FHA first introduced the program in 2010 as a pilot, which led to the purchase of 2,100 single-family loans. The program prevents FHA-insured loans from getting lost to foreclosure by allowing investors to purchase at-risk mortgages, then turn them into performing loans.

A servicer can place a loan into the loan pool for sale if the borrower is at least six months delinquent, all loss mitigation options have been exhausted, a foreclosure proceeding has been initiated, and if the borrower is not in bankruptcy.

The FHA-insured notes are sold to investors at a price that is generally below the outstanding principal balance.

FHA also announced new neighborhood stabilization requirements for the hard-hit metros selected. In those areas, no more than 50 percent of loans purchased within a pool can be sold as REO properties.

“These markets were chosen because of the high concentration of FHA loans in the pipeline for foreclosure and because each allows us to test this strategy under a variety of market conditions,” said Galante.

Other options must be sought such as leasing the property to the homeowner or a modification. A short sale to a private investor doesn’t qualify for neighborhood stabilization credit.

For the program, 1-4 units will also be eligible, not just single-family homes.

FHA stated in a release that eligible investors need to have experience in asset management and property management, as well as a proven track record in helping seriously delinquent borrowers find an alternative to foreclosure.

By: Esther Cho 07/18/2012

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Poll: Voters Overwhemingly Favor Financial Reform Laws

Lake Research Partners released the results of an opinion poll showing that financial reforms enacted in recent years remain popular with potential voters.

In light of events leading to 2008’s financial meltdown, potential voters seem to overwhelmingly favor financial reform laws designed to prevent abuse. Nearly three-quarters (73 percent) of respondents favor the Dodd-Frank financial reforms, while only 20 percent expressed disagreement. The support for Dodd-Frank crosses party lines-Republicans were found in favor by a 20-point margin, while Independents and Democrats supported the law by margins of 50 and 83 points, respectively.

When asked about states’ rights, two-thirds of voters said they support a state’s right to pass and enforce strong consumer protections and to prevent federal law from overriding any regulations.

The majority (60 percent) of voters actually expressed favor for more government oversight, while 73 percent support tougher rules and enforcement.

“This poll shows that American voters broadly and strongly support ball Wall Street reform and the CFPB,” said David Mermin, pollster and partner at Lake Research. “And they strongly favor specific components of the CFPB. After hearing arguments in support and in opposition, voters across party lines solidly favor the reform law.”

Among other findings: More than nine in 10 (93 percent) of respondents expressed favor for the policy that established more mortgage and foreclosure protections for service members; almost the same percentage (92 percent) favor a policy that requires banks, mortgage lenders, credit card companies, and student loan and auto lenders to provide clearer explanations of rates, terms, and fees.

In addition, two-thirds of voters agreed that the Consumer Financial Protection Bureau (CFPB) is a necessary entity. When asked whether or not companies under review by CFPB should be allowed to operate without the bureau’s oversight, 63 percent of respondents said CFPB should remain in charge.

The opinion poll was commissioned by AARP, the Center for Responsible Lending (CRL), Americans for Financial Reform (AFR), and the National Council of La Raza (NCLR). CRL director of federal policy Gary Kalman said the results didn’t shock him in the least.

“Bipartisan support among voters should be no surprise: Who hasn’t been hurt by the economic downturn? People get that common sense oversight could have prevented it,” he said.

By: Tory Barringer 07/18/2012

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June Existing-Home Prices Rise Again

Existing-home prices continued to show gains but sales fell in June with tight supplies of affordable homes limiting first-time buyers, according to the National Association of REALTORS®.

Total existing-home sales, which are completed transactions that include single-family homes, townhomes, condominiums, and co-ops, declined 5.4 percent to a seasonally adjusted annual rate of 4.37 million in June from an upwardly revised 4.62 million in May, but are 4.5 percent higher than the 4.18 million-unit level in June 2011.

Lawrence Yun, NAR chief economist, said the bigger story is lower inventory and the recovery in home prices. “Despite the frictions related to obtaining mortgages, buyer interest remains solid. But inventory continues to shrink and that is limiting buying opportunities. This, in turn, is pushing up home prices in many markets,” he said. “The price improvement also results from fewer distressed homes in the sales mix.”

According to Freddie Mac, the national average commitment rate for a 30-year, conventional, fixed-rate mortgage fell to a record low 3.68 percent in June from 3.80 percent in May. The rate was 4.51 percent in June 2011; recordkeeping began in 1971.

The national median existing-home price for all housing types was $189,400 in June, up 7.9 percent from a year ago. This marks four back-to-back monthly price increases from a year earlier, which last occurred in February to May of 2006. June’s gain was the strongest since February 2006 when the median price rose 8.7 percent from a year prior.

Distressed homes — foreclosures and short sales sold at deep discounts — accounted for 25 percent of June sales (13 percent were foreclosures and 12 percent were short sales), unchanged from May but down from 30 percent in June 2011. Foreclosures sold for an average discount of 18 percent below market value in June, while short sales were discounted 15 percent. “The distressed portion of the market will further diminish because the number of seriously delinquent mortgages has been falling,” said Yun.

NAR President Moe Veissi said there’s been a steady growth in buyer interest. “Buyer traffic has virtually doubled from last fall, while seller traffic has risen only modestly,” he said. “The very favorable market conditions are helping to unleash a pent-up demand, which is why housing supplies have tightened and are supporting growth in home prices. Nonetheless, incorrectly priced homes will not attract buyers.”

Total housing inventory at the end June fell another 3.2 percent to 2.39 million existing homes available for sale, which represents a 6.6-month supply at the current sales pace, up from a 6.4-month supply in May. Listed inventory is 24.4 percent below a year ago when there was a 9.1-month supply.

First-time buyers accounted for 32 percent of purchasers in June, compared with 34 percent in May and 31 percent in June 2011. “A healthy market share of first-time buyers would be about 40 percent, so these figures show that tight inventory in the lower price ranges, along with unnecessarily tight credit standards, are holding back entry level activity,” Yun said.

All-cash sales edged up to 29 percent of transactions in June from 28 percent in May; they were 29 percent in June 2011. Investors, who account for the bulk of cash sales, purchased 19 percent of homes in June, up from 17 percent in May; they were 19 percent in June 2011.

Single-family home sales declined 5.1 percent to a seasonally adjusted annual rate of 3.90 million in June from 4.11 million in May, but are 4.8 percent above the 3.72 million-unit pace in June 2011. The median existing single-family home price was $190,100 in June, up 8.0 percent from a year ago.

Existing condominium and co-op sales fell 7.8 percent to a seasonally adjusted annual rate of 470,000 in June from 510,000 in May, but are 2.2 percent higher than the 460,000-unit level a year ago. The median existing condo price was $183,200 inJune, which is 6.9 percent above June 2011.

Regionally, existing-home sales in the Northeast dropped 11.5 percent to an annual pace of 540,000 in June but are 1.9 percent above June 2011. The median price in the Northeast was $253,700, down 1.8 percent from a year ago.

Existing-home sales in the Midwest slipped 1.9 percent in June to a level of 1.02 million but are 14.6 percent higher than a year ago. The median price in the Midwest was $157,600, up 8.4 percent from June 2011.

In the South, existing-home sales declined 4.4 percent to an annual pace of 1.73 million in June but are 5.5 percent above June 2011. The median price in the South was $165,000, up 6.6 percent from a year ago.

Existing-home sales in the West fell 6.9 percent to an annual level of 1.08 million in June and are 3.6 percent below a year ago. The median price in the West was $233,300, up 13.3 percent from May 2011. Given tight supply in in both the low and middle price ranges in this region, sales in the West are stronger in the higher price ranges.

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HUD Program Sells Investors Pools of Troubled Loans

The U.S. Department of Housing and Urban Development is accepting applications from investors who want to buy pools of loans headed for foreclosure, which were formerly insured by the Federal Housing Administration. HUD’s Distressed Asset Stabilization Program sets out to help more home owners avoid foreclosure.

Here’s how the program works: The loans are usually sold to an investor for below the principal balance. Once the loan is purchased, foreclosure is delayed for at least six months. This allows the servicer time to find a workout with the home owner to stay in their home. If no solution can be found, the investor — or purchaser of the loan — may be able to help the home owner sell the property as a short sale.

About 3,500 loans in the HUD program will be sold in four metros hit hard by the foreclosure crisis: Chicago; Newark, N.J.; Phoenix; and Tampa, Fla.

“The housing market has momentum not seen since before the crisis,” says HUD Secretary Shaun Donovan. “But some metro areas are still under pressure and some FHA borrowers remain seriously behind on their loans and stand to lose their homes in a matter of months. ... Providing the opportunity for borrowers to potentially stay in their home under a new sustainable mortgage or other meaningful help not only benefits that home owner but reduces the costs to FHA and ultimately benefits the entire community.”

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Luxury Homes Linger Longer Than Lower-Priced Houses

While the market for lower-priced and entry-level homes is showing signs of momentum, the luxury-home market seems to be stagnant.

The average days on the market for luxury homes — houses selling for more than half a million dollars — is 186 days, according to the Institute for Luxury Home Marketing’s weekly report. On the other hand, the national median for all homes dropped to 84 days in June, according to REALTOR.com MLS data.

Inventories of for-sale homes in the luxury market as well as median asking prices have mostly stayed stable since November, according to the ILHM.

Meanwhile, lower-priced homes are seeing falling inventories and list prices increase.

The dropping inventories in lower-priced homes may be helping to drive most of the momentum. For example, Sam Khater, a CoreLogic economist, estimates that lower-priced homes are appreciating three times faster than more expensive homes due to the lower inventories and higher buyer demand.

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Home Owner Insurance Deductibles on the Rise

Home owners beware: “Your home owner’s insurance now probably covers less while costing more,” The Wall Street Journal reports.

Home owner deductibles have been rising the last few years, as home owners who may have once seen $250 to $500 a claim soar to $1,000 to $2,500 a claim in recent years.

There’s been a move by the industry to go to percentage-based deductibles, which have caused prices to rise. For example, home owners may have once had a $500 to $1,000 deductible but now have a form of a deductible of 2 percent of the insured value of a home for items like wind and hail damage. That could mean that insurance may only cover half the cost of a roof replacement.

What’s more, more insurance companies are issuing more limits on what all they will pay for in replacing a home.

Texas home owners pay the highest insurance premiums in the country, but a consumer group in the state found that newer policies are covering less, like limiting coverage on plumbing leaks or damage to foundations.

With insurance policies squeezing more home owners’ budgets, housing experts say home owners need to take an active role in reviewing their policy to find out what all is covered. Also, they say that home owners need to think twice before making several claims.

“One large claim will affect you less than multiple small ones,” The Wall Street Journal article notes. “Of course, you buy insurance to be covered, so you are always free to file a claim. But you should know that insurers keep close track of claims and will penalize you for making too many, even if you just happen to hit a string of bad luck.”

Source: “Insurance Deductibles Soar,” The Wall Street Journal (July 13, 2012)

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New Gov't Agency to Regulate Credit Score Companies

Americans' credit scores are an important piece of information that banks use to determine if you can get a mortgage or not. As such, the Consumer Financial Protection Bureau says the companies that provide such details about Americans' credit histories require more scrutiny.

The consumer watchdog group announced Monday it will provide greater oversight of the industry, including the big three credit agency firms: Experian, Equifax and TransUnion.

Consumers often complain about inaccurate information on their credit reports, but many are unsuccessful in getting the credit reporting agencies to correct the information. The credit scores from the credit agencies are an important piece that lenders use to decide if a borrower should be issued a mortgage or other type of loan or credit cards. The three major credit reporting agency have files of the credit history and financial information of more than 200 million Americans.

The CFPB may soon clarify what the Fair Credit Reporting Act requires of credit bureaus, including investigations when a borrower calls into question information on their credit report, Jon Ulzheimer, president of consumer education at SmartCredit.com, told The Associated Press. For example, when a consumer challenges their credit score, what constitutes a reasonable investigation as dictated by the Fair Credit Reporting Act?

Typically, Ulzheimer says that credit bureaus double-check their number, but “there’s really no quote-unquote ‘investigation.’”

CFPB will officially begin regulating the industry on Sept. 30.

Source: “Consumer Bureau to Police Credit Reporting Bureaus,” The Associated Press (July 16, 2012)

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Inventory of For-Sale Homes Continues to Plummet

Inventory of for-sale single-family homes, condos, townhouses, and co-ops dropped more than 19 percent in June compared to a year ago, REALTOR.com reports in its analysis of 146 markets nationwide.

Of the 146 markets across the U.S. that REALTOR.com analyzed, only three markets did not see inventory levels fall year-over-year, including Denver, Philadelphia, and Shreveport-Bossier City, La.

Meanwhile, the median national list price rose 2.68 percent in June compared to June 2011, REALTOR.com reports.

“Low inventories, combined with steadily rising list prices are positive signs that the overall market is gaining traction and is entering a recovery mode,” REALTOR.com noted in a statement on the housing data.

California cities are seeing the largest drops in inventory levels, and the tightened supply of homes for-sale is sparking higher demand among home buyers. The following markets posted the largest inventory drops in June compared to June 2011, according to the REALTOR.com housing data:

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3 Top Home Buyer Deal Killers

Recent surveys have shown that more Americans have a thirst for buying real estate, with home affordability at record highs and mortgage rates at record lows. In fact, real estate buyer agents report a 59 percent increase in buyer inquiries this year compared to last year, according to a recent survey conducted by the Real Estate Buyer’s Agent Council.

So what’s preventing some buyers from making it all the way to the closing table?

REBAC surveyed its buyer agent members to determine the top issues preventing home buyers in their local markets from completing a home purchase. The top three obstacles identified in its 2012 survey are:

1.Economic insecurity 2.Difficulties in obtaining financing 3.Problems selling current home The number of home buyers citing difficulties obtaining financing has fallen markedly in the last few years. In 2011, 65 percent of home buyers cited this as a big hurdle to purchasing, and 61 percent cited it in 2010. This year that number has dropped to 49 percent, as economic insecurity overtakes it in having the biggest effect on stalling home sales, according to the survey.

In 2011, the top three issues cited by buyers were difficulties obtaining financing, problems selling a current home, and holding out for lower prices, according to the survey.

Source: “Trend-Spotting for Real Estate Agents: Where Do We Stand Today?” RISMedia (July 7, 2012)

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Top-Ranking State for Housing Affordability

Texas ranks top as the most affordable housing market in the country, and record low interest rates on loans in recent weeks has pushed affordability even higher in the Lone Star State.

According to the Real Estate Center at Texas A&M University, a home buyer making $37,351 a year could likely qualify to buy a $150,000 home with a 30-year, 80 percent loan with a 4 percent interest rate. The monthly payments would be $572.90. In 1991, however, a home owner would have needed an annual income of $49,023 to qualify for the same loan, which would have carried an average interest rate of 9.64 percent.

“The home purchasing power of a dollar in income increases dramatically as interest rates fall,” says James Gaines, research economist with the Texas A&M Real Estate Center. “With an 80 percent loan at 10 percent interest, $1 of income buys about $3 of housing. At 7 percent, it buys $4 of housing. At 4 percent, it buys nearly $5.50.”

But while Texas ranks as the most affordable market now, housing experts say other states are gradually narrowing that gap. The national median home price dropped 25 percent from 2006 and 2011, according to Gaines. Meanwhile, Texas’ median home prices increased 4 percent in that period. Gaines says that Texas may see a decrease in its affordability as home prices begin to rise faster than incomes in some areas.

Source: Real Estate Center at Texas A&M University

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The Next Big Threat to Home Owners Looms

While the housing market is showing signs of picking up across the country, housing experts warn of a new concern for home owners: resetting home equity lines of credit.

Home equity lines of credit often require low payments in the initial years as home owners only pay the interest on these loans at the onset. But later on, these loans reset with higher payments when home owners have to start paying down the principal.

About 44 percent of home owners with home equity lines of credit through Wells Fargo have paid only the minimum amount due on these loans, reports The New York Times.

Many borrowers may soon see their home equity lines of credit reset with higher payments and those higher payments may be too much for some borrowers.

The Office of the Comptroller of the Currency recently warned of the danger these resetting payments could pose for many home owners across the country. The OCC warned that nearly 60 percent of all home equity line balances would require payments of both principal and interest between 2014 and 2017.

The report highlights three main threats home equity borrowers face: Rising payments as they begin to pay back the principal and not just the interest on these loans; the risk of rising interest rates (many of these loans have adjustable rates); and refinancing challenges “because collateral values have declined significantly since these loans originated.”

Many of the home owners have seen their property values decrease since they first took out the home equity loans.

“These are among the riskiest loans in any bank’s portfolio,” The New York Times reports. “As borrowers are pressed to pay principal and interest, write-offs are almost certain to rise.”

Source: “Here Comes the Catch in Home Equity Loans,” The New York Times (July 14, 2012)

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Wells Fargo Posts Profits on Housing Gains

Wells Fargo is seeing its profits rise, attributing the increase to its growing mortgage business. In the second quarter, the nation’s largest mortgage lender saw its profits rise 17 percent from a year earlier.

"Residential mortgages, new home equity, commercial real estate—it's great, bring it on," Chief Financial Officer Timothy Sloan told The Wall Street Journal.

Wells Fargo Chief Executive John Stumpf says the bank has seen an “increased strength in the overall housing market.” Wells Fargo’s revenue from its mortgage banking has increased nearly 80 percent from a year earlier and mortgage originations have increased 1.6 percent.

The bank says its profits have risen recently from an increase in demand from consumer car loans and commercial loans as well.

Source: “Wells Fargo Profit Up 17% on Strong Mortgage Income,” The Wall Street Journal (July 13, 2012)

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More Americans Expect to See Home Prices Rise

Seventy-two percent of Americans say they expect property values to improve in the next two years, according to the Prudential Real Estate Outlook Survey of home buyers and sellers.

As such, nearly 70 percent believe real estate makes a good investment, despite the market volatility over the last few years, according to the survey.

“Americans are feeling better about home ownership and the ongoing recovery taking place in residential real estate,” says Earl Lee, president of Prudential Real Estate. “Many are increasingly optimistic about their personal circumstances and, with housing affordability near all-time highs, they want to act on the opportunity.”

Many of the Americans surveyed are placing a higher priority on the emotional draws to home ownership over financial reasons. For example, Americans reported wanting a home so they can have more “control over living space,” “more space for family,” a “safer neighborhood,” and a “good place to raise a family.”

“Normalcy is returning to the U.S. real estate market and more people are buying homes for traditional reasons — to raise a family, feel secure and build a future,” Lee says. “Every last emotion is rolled up into owning a home — it’s where life happens — so it’s no surprise that the emotional side outweighs financial reasons for owning a home among respondents.”

Still, many survey respondents reported the housing crisis reminds them to take more caution when buying and selling a home.

Source: “Survey Shows Americans Are Increasingly Confident About Home Ownership,” RISMedia (July 11, 2012)

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Foreclosure Inventory Remains Near All-Time Highs

The U.S. foreclosure inventory — consisting of loans that have been referred to an attorney for foreclosure but have not yet completed the process through a sale — hit 4.1 percent of all active mortgages in May, holding near-record highs.

Lender Processing Services reported significantly higher numbers in judicial foreclosure states, at 6.5 percent of all loans, compared to non-judicial states, where the foreclosure inventory settled at 2.5 percent.

Also, according to LPS, more than half of loans in foreclosure in the judicial states have been delinquent for at least two years, compared to just over 30 percent in non-judicial states.

Source: “Foreclosure Inventory Remains Near All-Time Highs,” Inman News (07/09/12)

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Bayside NY Homes For Sale

Bayside NY Houses For Sale

NYC Mayor's Challenge to Architects: Build Smaller

New York City is already known for its small apartments, but Mayor Michael Bloomberg wants apartments to get even smaller.

He is challenging architects through his competition, “adAPT NYC,” to submit design plans for apartments that are 275 to 300 square feet. The competition is part of Bloomberg’s efforts to create more affordable, one- to two-person housing. His goal is 165,000 affordable, smaller homes by 2014.

New York City faces a shortage of housing for one- to two-person households, Bloomberg says. The city has about 1.8 million one to two-person households but has about a million studio and one-bedroom apartments available. Bloomberg says the city needs to address the shortage.

Eighty of the small apartments plans from the competition will be constructed in a building on a city-owned lot in Manhattan over the next two months. The apartments then will be sold or rented.

Source: “NYC Mayor Challenges Apartment Builders to Think Smaller,” Reuters (July 9, 2012)

Bayside NY Real Estate

Bayside NY Homes For Sale

Bayside NY Houses For Sale

American Renters Getting Squeezed

Rents continue to inch upwards and many renters say they know it would be cheaper to buy a home than rent, but they can’t qualify for a mortgage, Reuters News reports.

With rising demand for rentals, landlords are increasing their rents and some cities are even posting double-digit percentage rental increases annually. Apartment rents have risen at their highest rate since 2007, with costs soaring over the last three quarters, according to the research firm Reis Inc.

Landlords feel they can charge more since vacancies have reached at a 10-year low at the same time that demand has surged. Asking rents have jumped nationally to $1,091 during the second quarter, the largest increase since the third quarter of 2007, Reis reports. The average effective rent is $1,041 for the second quarter, increasing 1.3 percent over the previous quarter.

“The improvement in rents is pretty pervasive,” says Ryan Severino, a Reis senior economist. “Even in places like Providence and Knoxville, which you don’t think of as hotbeds for apartment activity, landlords felt the market was strong enough to raise rents on their tenants.”

New York remains the market with the lowest number of vacancies and also the priciest place to rent by far. The monthly rent there averages $2,935, which is more than $1,000 higher than the second-priciest place to rent in the U.S., San Francisco.

Many finance experts recommend budgeting no more than 30 percent of household income to pay for housing costs. Yet nearly 40 percent of Americans are now paying more than a third, according to a U.S. Census Bureau survey. In New York, one-third of households spend more than half their pay on rent.

“We have falling incomes, rising rents, and nothing but substantial upward pressure on those rents,” says Chris Herbert, director of Harvard University’s Joint Center for Housing Studies. “And nothing in the cards suggests it will turn around anytime soon.”

Meanwhile, for those who are able, purchasing a home has never been more affordable. It’s cheaper to purchase a home than rent in basically every major U.S. city, according to John Burns Real Estate Consulting.

But securing financing remains a renter’s biggest obstacle to buying a home. Banks are pickier in what they require to qualify for a mortgage. Loans for home purchases reached a 12-year low last year as lenders tightened their credit standards, according to Inside Mortgage Finance. Now, potential borrowers often need an average credit score of 762 to get a mortgage backed by mortgage giants Freddie Mac or Fannie Mae, according to Morgan Stanley research.

Source: “Americans Squeezed by Higher Rents, Tight Credit,” Reuters News (July 5, 2012) and “U.S. Apartment Rents Rise at Highest Rate Since ’07,” Reuters News (July 5, 2012)

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