Hard Money Blog

US Home-builder index crashes 14; Recession next?

US Home-builder index crashes 14; Recession next?

As Thanksgiving week begins, there was a surprising economic report just released.  The National Association of Home Builders/Wells Fargo Housing Market Index dropped eight points in November to 60, according to a report Monday. That compared with the median estimate...

read more
Dead guy wins election; impact on real estate and banking

Dead guy wins election; impact on real estate and banking

Regardless of which party you wanted to win, it could always be worse if you got beaten in an election by a dead guy… in NV a Brothel owner who was deceased still won against his competitor for a state seat!(ABC news)  What does the midterm election mean for real...

read more
Stocks plummet, stock rise, one step you should take today

Stocks plummet, stock rise, one step you should take today

For anyone watching the markets, it has been quite the ride.  I’m feeling a bit seasick from all the motion taking place in the markets! Stocks plummet then come roaring back all within the same day.  What is going on?  As stocks are swooning so are 10-year treasuries...

read more
Bubble? Are commercial properties overvalued 16%?

Bubble? Are commercial properties overvalued 16%?

Analysts at Goldman Sachs Group Inc. recently announced that commercial properties are overvalued by 16%.  Shortly after Wells Fargo Chief Executive Officer Tim Sloan went on television, saying some deals looked “frothy” and that his bank was pulling back....

read more
How will Hurricane/Fire season impact your real estate

How will Hurricane/Fire season impact your real estate

  This year has been crazy with Hurricanes, Floods, and Fires.  Are you at risk? How will this impact your real estate values / costs?  Even though many of the recent catastrophic events have been centered in certain regions, impacts will be felt throughout the...

read more
Home sales decline to 4 year low, Nat Realtor Assoc predicts prices up.  Confused?

39% drop in real estate refinancing; Denver drops 44%

Mortgage rates for a 30-year mortgage bottomed our around 3.4% in July of July of 2016.  Rates recently broke through the 5% mark and the 10-year treasury just hit a 7-year high.  At the same time Well’s Fargo announced it was laying off over 600 mortgage workers and...

read more
Who will get hurt in the next mortgage market cycle?

Who will get hurt in the next mortgage market cycle?

It has been 10 years since Lehman Brothers collapsed and the mortgage market tanked with Fannie and Freddie taken over by the US government.  Have we learned any lessons from the last collapse?  Is the mortgage market substantially safer than before?  Who will take it...

read more
Is cryptocurrency the future of real estate?

Is cryptocurrency the future of real estate?

  "Blockchain and cryptocurrency really has the ability to change every aspect of real estate, from titles, to lending, to the brokerage itself," said Jim Merrion, a Boulder real estate agent with Coldwell Banker. (Daily Camera).  Is this true?  Is cryptocurrency...

read more
Is Zillow the Amazon of real estate? You should be worried

Is Zillow the Amazon of real estate? You should be worried

Zillow has made two big announcements recently: 1) Zillow is expanding its “cash offers” programs to 4 cities 2) Zillow acquired mortgage lenders of America.  On the surface, most people shrugged off the announcements as neither appear monumental. Why are these two...

read more
Trump criticizes the fed; your rates will increase

Trump criticizes the fed; your rates will increase

President Donald Trump said he expected Jerome Powell to be a cheap-money Fed chairman and lamented to wealthy Republican donors at a Hamptons fundraiser on Friday that his nominee instead had raised interest rates, according to people present.  This is his most...

read more
Less people move impact on your real estate

Less people move impact on your real estate

  Less relocation impacts real estate investments. About 3.5 million workers relocated for a new job last year, a 10% drop from 3.8 million in 2015. The current relocation rate of 10 percent is 72 percent lower than in the mid-to-late 1980s. The average annual...

read more
How to solve the affordable housing crisis

How to solve the affordable housing crisis

  In just about every destination or gateway town, not only are short-term rentals squeezing the last drops out of the affordable housing supply, but more pro­foundly, they are threatening the very character that drew in locals—and tourists. For example, in...

read more
Is your BPO BS?  4 tips to spot a bogus BPO

Is your BPO BS? 4 tips to spot a bogus BPO

I recently received a Broker Price Opinion that took the cake.  A class C office was compared to a class A retail location in another city.  The BPO felt the value of the property was worth over a million … this was off by over 50%.  Is your BPO BS?  Four tips to spot...

read more
Who is right you or the fed?

Who is right you or the fed?

Is the bond market or federal reserve correct on the future of interest rates?  Beyond 2019 there is huge disagreement.  The Federal reserve has relayed that future tightening will continue, but the markets aren’t buying it.  The bond market is predicting that a rate...

read more
US Home-builder index crashes 14; Recession next?

US Home-builder index crashes 14; Recession next?

As Thanksgiving week begins, there was a surprising economic report just released.  The National Association of Home Builders/Wells Fargo Housing Market Index dropped eight points in November to 60, according to a report Monday. That compared with the median estimate...

read more
Dead guy wins election; impact on real estate and banking

Dead guy wins election; impact on real estate and banking

Regardless of which party you wanted to win, it could always be worse if you got beaten in an election by a dead guy… in NV a Brothel owner who was deceased still won against his competitor for a state seat!(ABC news)  What does the midterm election mean for real...

read more
Stocks plummet, stock rise, one step you should take today

Stocks plummet, stock rise, one step you should take today

For anyone watching the markets, it has been quite the ride.  I’m feeling a bit seasick from all the motion taking place in the markets! Stocks plummet then come roaring back all within the same day.  What is going on?  As stocks are swooning so are 10-year treasuries...

read more
Bubble? Are commercial properties overvalued 16%?

Bubble? Are commercial properties overvalued 16%?

Analysts at Goldman Sachs Group Inc. recently announced that commercial properties are overvalued by 16%.  Shortly after Wells Fargo Chief Executive Officer Tim Sloan went on television, saying some deals looked “frothy” and that his bank was pulling back....

read more
How will Hurricane/Fire season impact your real estate

How will Hurricane/Fire season impact your real estate

  This year has been crazy with Hurricanes, Floods, and Fires.  Are you at risk? How will this impact your real estate values / costs?  Even though many of the recent catastrophic events have been centered in certain regions, impacts will be felt throughout the...

read more
Home sales decline to 4 year low, Nat Realtor Assoc predicts prices up.  Confused?

39% drop in real estate refinancing; Denver drops 44%

Mortgage rates for a 30-year mortgage bottomed our around 3.4% in July of July of 2016.  Rates recently broke through the 5% mark and the 10-year treasury just hit a 7-year high.  At the same time Well’s Fargo announced it was laying off over 600 mortgage workers and...

read more
Who will get hurt in the next mortgage market cycle?

Who will get hurt in the next mortgage market cycle?

It has been 10 years since Lehman Brothers collapsed and the mortgage market tanked with Fannie and Freddie taken over by the US government.  Have we learned any lessons from the last collapse?  Is the mortgage market substantially safer than before?  Who will take it...

read more
Is cryptocurrency the future of real estate?

Is cryptocurrency the future of real estate?

  "Blockchain and cryptocurrency really has the ability to change every aspect of real estate, from titles, to lending, to the brokerage itself," said Jim Merrion, a Boulder real estate agent with Coldwell Banker. (Daily Camera).  Is this true?  Is cryptocurrency...

read more
Is Zillow the Amazon of real estate? You should be worried

Is Zillow the Amazon of real estate? You should be worried

Zillow has made two big announcements recently: 1) Zillow is expanding its “cash offers” programs to 4 cities 2) Zillow acquired mortgage lenders of America.  On the surface, most people shrugged off the announcements as neither appear monumental. Why are these two...

read more
Trump criticizes the fed; your rates will increase

Trump criticizes the fed; your rates will increase

President Donald Trump said he expected Jerome Powell to be a cheap-money Fed chairman and lamented to wealthy Republican donors at a Hamptons fundraiser on Friday that his nominee instead had raised interest rates, according to people present.  This is his most...

read more
Less people move impact on your real estate

Less people move impact on your real estate

  Less relocation impacts real estate investments. About 3.5 million workers relocated for a new job last year, a 10% drop from 3.8 million in 2015. The current relocation rate of 10 percent is 72 percent lower than in the mid-to-late 1980s. The average annual...

read more
How to solve the affordable housing crisis

How to solve the affordable housing crisis

  In just about every destination or gateway town, not only are short-term rentals squeezing the last drops out of the affordable housing supply, but more pro­foundly, they are threatening the very character that drew in locals—and tourists. For example, in...

read more
Is your BPO BS?  4 tips to spot a bogus BPO

Is your BPO BS? 4 tips to spot a bogus BPO

I recently received a Broker Price Opinion that took the cake.  A class C office was compared to a class A retail location in another city.  The BPO felt the value of the property was worth over a million … this was off by over 50%.  Is your BPO BS?  Four tips to spot...

read more
Who is right you or the fed?

Who is right you or the fed?

Is the bond market or federal reserve correct on the future of interest rates?  Beyond 2019 there is huge disagreement.  The Federal reserve has relayed that future tightening will continue, but the markets aren’t buying it.  The bond market is predicting that a rate...

read more

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