Will the golden handcuffs of low rates save real estate in this cycle?

Will the golden handcuffs of low rates save real estate in this cycle?

The prevailing theory is that this real estate cycle will be considerably better than others as so many people locked in rock bottom rates which will serve as “golden handcuffs” and prevent a meaningful increase in inventory.  How accurate is this theory?  What is the...
Back to office, ready to pick your seat? 3 traits that will identify the winners & losers

Back to office, ready to pick your seat? 3 traits that will identify the winners & losers

First, the pic above was the leading picture for a listing I looked at.  I guess they were stressing the work from home conveniences in the office Unfortunately this could lead to some “interesting” conversations with coworkers.   With the back to office trend in full...
Ready for a 30% drop in housing demand? Will tight supply really prop up the market?

Ready for a 30% drop in housing demand? Will tight supply really prop up the market?

The federal reserve did an analysis of what has led to the surge in housing prices and has a conclusive answer; the driver of high prices is not that we don’t have enough houses as the media has been claiming.   What is the real culprit behind soaring prices? Is there...
Inflation slows.  Will mortgage rates stabilize or head higher?  What does this mean for real estate prices?

Inflation slows.  Will mortgage rates stabilize or head higher?  What does this mean for real estate prices?

Where mortgage rates are heading seems to be the biggest question on everyone’s mind in real estate.  As of this writing rates were around 5.821% which is substantially higher than any economists had predicted even a few months ago.  What is causing the jump in...
Fannie/Freddie no longer fund 2nd mortgages; Big changes to mortgage fees on borrowers

Fannie/Freddie no longer fund 2nd mortgages; Big changes to mortgage fees on borrowers

  The federal housing finance agency (FHFA), the largest buyer of mortgages through Fannie Mae and Freddie Mac (Fannie/Freddie), announced huge changes to there fee structure.  In particular they are targeting high cost loans with big jumps for second...
Buy now pay later included on credit reports, impact on real estate financing

Buy now pay later included on credit reports, impact on real estate financing

Buy now pay later included on credit reports, impact on real estate financing Buy now Pay Later loans are a million-dollar industry and yet until now these loans were invisible to lenders.  This is all changing as Equifax is now adding buy now pay later payments to...