Hard Money Blog

Wall street will not bail out the housing market

Wall street will not bail out the housing market

Fed raises rates 2200% The floor on housing prices drops The real estate party cannot go on forever.  We are in a goldilocks scenario where prices are staying high even in the face of doubling mortgage rates.  Unfortunately, eventually the porridge cools off!    It is...

read more
Jury finds realtors conspired to keep commissions high

Jury finds realtors conspired to keep commissions high

A federal jury on Tuesday found the National Association of Realtors and large residential brokerages liable for about $1.8 billion in damages after determining they conspired to keep commissions for home sales artificially high.  Two major real estate companies have...

read more
Fed has lost control of interest rates

Fed has lost control of interest rates

Housing industry urges Fed to stop raising rates, does it even matter? Top real estate and banking officials are calling on the Federal Reserve to stop raising interest rates as the industry suffers through surging housing costs and a “historic shortage” of available...

read more
Job gains shatter expectation; impact on real estate

Job gains shatter expectation; impact on real estate

The economists forecasting the jobs data missed big time, with the recent jobs report almost double their predictions.  Why is job growth still surging while interest rates hit 20 year highs.  What does this mean for future interest rate increases?  Does this change...

read more
How will student loan restart impact real estate

How will student loan restart impact real estate

As part of a debt-ceiling agreement forged by President Joe Biden and House Speaker Kevin McCarthy, monthly student loan bills will resume September first.  What does the restarting of student loans mean for real estate, interest rates, and the overall economy?  How...

read more
Another commercial property type falls as hard as offices

Another commercial property type falls as hard as offices

I continue to hear discussions about the huge plunge in office values while little attention has been given to other commercial property sectors like apartments.  Apartment buildings, long considered a real-estate haven, are emerging as the next major trouble spot in...

read more
Banks tighten lending; 46% rejection rate on mortgage loans

Banks tighten lending; 46% rejection rate on mortgage loans

It was already difficult for businesses and households to borrow money earlier this year — but after the collapse of three US regional banks and a cascade of rate hikes by the Federal Reserve, getting money has become considerably harder.   What does the decline in...

read more
New government rule radically changes appraisals

New government rule radically changes appraisals

Big changes are ahead for automated appraisals.  The government feels that automated models show bias in valuation so they have proposed a new rule that will radically alter appraisals.  Unfortunately, the new rules will have some large unintended consequences for...

read more
Wall street will not bail out the housing market

Wall street will not bail out the housing market

Fed raises rates 2200% The floor on housing prices drops The real estate party cannot go on forever.  We are in a goldilocks scenario where prices are staying high even in the face of doubling mortgage rates.  Unfortunately, eventually the porridge cools off!    It is...

read more
Jury finds realtors conspired to keep commissions high

Jury finds realtors conspired to keep commissions high

A federal jury on Tuesday found the National Association of Realtors and large residential brokerages liable for about $1.8 billion in damages after determining they conspired to keep commissions for home sales artificially high.  Two major real estate companies have...

read more
Fed has lost control of interest rates

Fed has lost control of interest rates

Housing industry urges Fed to stop raising rates, does it even matter? Top real estate and banking officials are calling on the Federal Reserve to stop raising interest rates as the industry suffers through surging housing costs and a “historic shortage” of available...

read more
Job gains shatter expectation; impact on real estate

Job gains shatter expectation; impact on real estate

The economists forecasting the jobs data missed big time, with the recent jobs report almost double their predictions.  Why is job growth still surging while interest rates hit 20 year highs.  What does this mean for future interest rate increases?  Does this change...

read more
How will student loan restart impact real estate

How will student loan restart impact real estate

As part of a debt-ceiling agreement forged by President Joe Biden and House Speaker Kevin McCarthy, monthly student loan bills will resume September first.  What does the restarting of student loans mean for real estate, interest rates, and the overall economy?  How...

read more
Another commercial property type falls as hard as offices

Another commercial property type falls as hard as offices

I continue to hear discussions about the huge plunge in office values while little attention has been given to other commercial property sectors like apartments.  Apartment buildings, long considered a real-estate haven, are emerging as the next major trouble spot in...

read more
Banks tighten lending; 46% rejection rate on mortgage loans

Banks tighten lending; 46% rejection rate on mortgage loans

It was already difficult for businesses and households to borrow money earlier this year — but after the collapse of three US regional banks and a cascade of rate hikes by the Federal Reserve, getting money has become considerably harder.   What does the decline in...

read more
New government rule radically changes appraisals

New government rule radically changes appraisals

Big changes are ahead for automated appraisals.  The government feels that automated models show bias in valuation so they have proposed a new rule that will radically alter appraisals.  Unfortunately, the new rules will have some large unintended consequences for...

read more

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