Browsing Posts In: Financing

December 6, 2016 Posted by: Amanda Riggs

Since 1997, the Profile of Home Buyers and Sellers has collected data on the sources of buyers’ downpayment for when they purchase a home. This year, 88 percent of all buyers financed their home and 98 percent of buyers ages 18 through 44 financed the home. All buyers financed a median of 90 percent of […]

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July 27, 2015 Posted by: George Ratiu, Director, Quantitative and Commercial Research

This blog post was written by George Ratiu, Director of Quantitative & Commercial Research and Erin Fitzpatrick, Research Intern. Real estate is an integral part of economic activity, with transactions providing avenues for exchange, development, and growth opportunities. Within this framework, like-kind exchanges (LKE) provide an important vehicle to sell and acquire property. Like-kind exchanges are available to […]

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June 1, 2015 Posted by: George Ratiu, Director, Quantitative and Commercial Research

During 2014, commercial real estate capital availability continued growing, building on the tail winds from 2013. Major capital providers found new energy in revitalized commercial markets and competed for deals, leading to steep acceleration in prices for some property sectors, especially apartments and CBD office buildings. On the debt side, national banks accounted for the […]

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January 8, 2015 Posted by: Ken Fears, Director, Regional Economics and Housing Finance

The FHA announced important changes to the pricing of its mortgage insurance today. This change will help to shore up the long-term solvency of its mortgage insurance fund, improve affordability and sustainability for most borrowers, and price in a significant number of borrowers locked out of the market in recent years. It will also provide […]

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December 31, 2014 Posted by: Jessica Lautz, Director, Survey Research and Communications

Many people make New Year’s Resolutions as the calendar flips from December 31st to January 1st. Often times, at the top of the list (along with trimming the waist line) is saving money and paying down debt. Many people do so with a goal in mind – a nice vacation, a new car, or even […]

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October 30, 2014 Posted by: George Ratiu, Director, Quantitative and Commercial Research

During 2013, commercial real estate witnessed a noticeable reversal in capital availability.  Following exceedingly stringent capital standards and overly tight liquidity in the wake of the 2008 recession, funding sources broadened.  The trends accelerated during 2014, as most major capital providers returned to the markets and actively competed, leading some investors to express concern about […]

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October 9, 2014 Posted by: Ken Fears, Director, Regional Economics and Housing Finance

Mortgages rates on conventional loans could change in the coming months. The Federal agency that regulates the GSEs, the FHFA, is re-evaluating the fees that it allows Fannie Mae and Freddie Mac to charge consumers. With mortgage rates expected to rise in the coming years and looming changes at private mortgage insurers, the outcome of […]

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September 18, 2014 Posted by: Ken Fears, Director, Regional Economics and Housing Finance

Six months after the implementation of the QM/ATR rule, the market appears to be shifting modestly.  In the 3rd Survey of Mortgage Originators, which covers lending in the 2nd quarter of 2014, participants were asked about their willingness to delve into the non-QM market as well as other current issues including the FHA’s HAWK program, […]

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September 5, 2014 Posted by: Jed Smith, Managing Director, Quantitative Research

About 59 percent of REALTORS® reported that a sample of buyers in July had FICO credit scores of 740 and above. In the 2001-04 time frame approximately, 40 percent of residential loans acquired by the Fannie Mae and Freddie Mac went to applicants with credit scores above 740. REALTORS® continued to report that obtaining a […]

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July 25, 2014 Posted by: Ken Fears, Director, Regional Economics and Housing Finance

The mortgage market was buffeted by a number of changes in 2013 and 2014 among them higher fees at the FHA. NAR Research’ s second Survey of Mortgage Originators includes questions about the impact of changes to the FHA program on consumers. Since 2010, the FHA has increased the rates it charges for mortgage insurance. […]

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