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4 Things Affecting Home Buyers Monthly Payment – And the Interest Rate is Not One of Them

Most people only look at the home price, which then determines the loan amount. And the interest rate, which then determines the monthly payment. But there are other factors that can take a huge chunk out of your monthly mortgage expense. Here are some tips to keep yours as low as possible and avoid any […]

Fair Market Value of Your Home

The fair market value of your home is used by mortgage lenders to determine how much they are willing to lend on your property. You can also use it to determine a price if you are thinking of selling. Fair market value of your home is the price another person would pay today to buy […]

Property Value Estimator

Property value is something you as a homeowner take very personally. In a down market, which is what we’ve experienced recently, the reality of your property value can be quite painful. And it is even more confusing when you don’t understand how an appraiser arrived at a value. You estimated a value and he/she comes […]

The 2014 Housing Market Outlook

Mortgage rates are up, applications are down, and lenders are laying people off left and right. Doesn’t sound like anything to get too excited about for 2014. But maybe it’s not something we should get “excited” about. We don’t have to do cartwheels or high five strangers because the real estate market has catapulted itself […]

Top 10 Winners and Losers in Home Value Forecast for November

Pro Teck Valuation Services released its Home Value Forecast for November and in it they talk about judicial and non-judicial foreclosures and how that is impacting home values. It was bad for California a couple of years ago. Massive amount of foreclosures flooded the market but because it is a non judicial state, the banks […]

Buying Bank Owned Property Tips

Buying bank owned property is a little different than buying property from a homeowner. Bank owned means they took the house back after the homeowner couldn’t make the payments. Another word for bank owned is REO which stands for real estate owned. Obviously, the banks have quite a few of these on their books right […]

Home Prices: More Fodder For The Pessimists

The new S&P/Case-Shiller home price report came out today and in it one can see, at least with a cursory glance, that there really is nothing in it but a bad news for housing prices. David Blitzer, Chairman of the Index Committee at S&P, says, “The double-dip is almost here, as six cities set new […]

Pending Home Sales Rise Without Incentives

Pending home sales, a measurement of existing homes under contract that have yet to close, have increased for the second month in a row, according to the National Association of Realtors®. The 4.5% increase in pending home sales in August over the July number is particularly important in my opinion given the forecast the mainstream […]

Shadow Inventory Impacts Home Prices Unpredictably

Shadow inventory is making news since the S&P published it’s new report in which it seems the director Diane Westerback was quoted saying, “While our estimates for the time it will take to clear the supply of distressed homes on the market have declined after reaching a peak in mid-2008, the number has been on […]