How Will Solar Panel Installation Affect My Mortgage?

Residential solar installations are rising dramatically — up by 50 percent per year since 2012. One of the most popular ways to reduce your energy bills and your environmental footprint is through the installation of solar panels. Why not? Not only do homeowners reap the monthly energy savings, but they also may be eligible for […]

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Home Sales Data Continues to Show Housing Market Strength

The beat plays on for housing sales. Numbers for existing home sales – as reported by the National Association of Realtors every month – continued to show the strength of the American housing market in April 2016. I’m starting to sound a bit like a broken record. Despite the strong numbers, we would have seen […]

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What to Expect from Mortgage Rates in the Second Half of 2016

Mortgage rates are a fickle beast affected by many factors. They can change on the drop of hat and fluctuate constantly. Your ultimate mortgage rate is determined by your overall risk as a borrower through a mechanism called loan level pricing (LLPA) which adds adjustments to your rate based on risk. Combine “base” rates – […]

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The Reason You Are Getting Higher Mortgage Rate Than Your Friend

You checked out Freddie Mac’s average mortgage rate report. You looked at Bankrate too. You called your mortgage lender – or multiple lenders – but your mortgage rate quote is higher than the rates you see online. Why? If you are consistently being quoted a higher rate than what you see listed online you likely […]

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CA Home Prices Will Appreciate by >6% In Next 12 Months

CoreLogic predicted that California Home Prices will continue to appreciate at a rapid pace. It will remain one of the hottest markets in the country with an appreciation rate of >6% in the next 12 months. The news will be equally good across the nation where home prices are expected to increase by 5.3%. With […]

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Home Sales Price Increase For 49th Consecutive Month

The National Association of Realtors (NAR) released their monthly numbers on total existing-home sales for March recently. The result? Once again – for the 49th consecutive month – the data was strong and shows year-to-year gains from 2015. Existing home sales are defined as closed transactions that include single-family homes, townhomes and condos. They generally […]

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[Infographic] The Best Long Term Investment is…

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FHA Changes Can Help More Buyers With Student Loans To Qualify

Millennials have two things in common, other than their age, they have student loan debt and they make up the primary market of first-time homebuyers. Sometimes, they have a lot of student loan debt which affects their ability – or perceived ability – to remove their renter tag and add the homeownership badge. American students […]

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These Charts Will Convince You To List Your Home Today

In school we all learned the Theory of Supply and Demand. When the demand for an item is greater than the supply of that item, the price will surely rise. SUPPLY The National Association of Realtors (NAR) recently reported that the inventory of homes for sale stands at a 4.4-month supply. This is considerably lower than the 6-month inventory […]

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2016 Mortgage Rate Outlook

2015 was an easier year than most, for mortgage rate shoppers. Consistency was the standard,  with rates generally hovering  below 4% for most of the year. That consistency was a mortgage market anomaly though. In fact, it’s been nearly 20 years since we’ve had such a consistent mortgage rate environment. You have to go all […]

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