Midwest Area Real Estate BlogRecently posted or modified blog postshttps://www.housesinomaha.com/blog/Copyright HousesInOmaha.com2023-08-24T14:27:28-07:00tag:housesinomaha.com,2012-09-20:29938Why Now Is a Perfect Opportunity to Invest in Omaha Real Estate, Even Amidst High Interest Rates**Why Now Is a Perfect Opportunity to Invest in Omaha Real Estate, Even Amidst High Interest Rates**
The Omaha housing market can sometimes feel like it’s dancing to its own tune, especially when faced with high interest rates and a lean inventory. However, for those considering diving into the realm of Omaha real estate, this might still be an opportune moment.
Here's why:
1. Omaha Home Ownership Value: No matter the market dynamics, there's a unique charm in owning a home in Omaha. It provides a sense of community, security, and a touch of Midwest magic. The non-tangible benefits often outweigh economic considerations.
2. Omaha Property Appreciation: The Omaha real estate market has consistently shown resilience. By securing your property now, you might reap the benefits of future appreciation.
3. Omaha Rental Trends: With a sparse home inventory, rental rates are surging. Crunch the numbers, and you may find that buying is a more economical long-term strategy than renting in Omaha.
4. Secure Your Rate: In the unpredictable ebb and flow of the real estate market, today's high interest rates might climb even higher tomorrow. By purchasing now, you freeze your rate, ensuring predictable monthly expenses.
5. Equity in Omaha Homes: Every mortgage payment made is a step towards boosting your home equity. Rather than pouring money into rent, you're enriching your investment portfolio.
6. Innovative Financing in Omaha: Modern lenders, especially those well-acquainted with the Omaha housing market, offer a plethora of financing avenues. They can mold the options to cater to varied buyer needs, even in high-interest periods.
7: The journey becomes significantly more navigable with proficient guides. The Houses In Omaha Team at Berkshire Hathaway Home Services, a cornerstone in Omaha real estate, will illuminate your path. Their unmatched expertise can unearth the right properties, negotiate favorable terms, and guarantee a seamless process.
In Conclusion!
Diving into the Omaha real estate market might seem daunting given the current conditions. Yet, with a strategic mindset, it’s a promising venture. Buying a home in Omaha is more than just a purchase; it’s a long-term investment.
For those ready to embark on this journey, remember that The Houses In Omaha Team at Berkshire Hathaway Home Services stands ready to assist. Your dream home in Omaha awaits, and they're the experts to help you find it. <img src="/res/tiny_mce/plugins/emotions/img/smiley-smile.gif" alt="Smile" title="Smile" border="0" />
<br /><br />2023-08-24T13:45:53-07:002023-08-24T14:27:28-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:23978Mortgage Market Guide Monday-01-09-23
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5090468/top-image-010623.jpg" width="260" height="173" align="right" loadstarttime="1673628574966" />The first few trading days of 2023 saw an improvement in rates but the party was derailed by some good news. Let's look at what happened this past week and brace for what is coming in the week ahead.
"You see I, I raise a toast to all of us who are breakin' our backs every day" <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3D6Qtf9nsUKBNkmJMbziu4UQ~~%26pe%3D6ikYj52J_OnSWvWybzw6ilWBk1sO-S4D6sqz4ZYaoO3w1W5H7fpEWrnHtLi_RfhH2Ya7dmsdl_Fvqy6BeW1pcg~~%26t%3DQ0XwwWwU-AK7xnl9lJEJdQ~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C706cb90b8ef543f87c5d08daf26bb6ba%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C638088843487509543%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C2000%7C%7C%7C&sdata=XC50z90ifdzy9uPBptBp8OraFkSnN8bP8G0lGLknCZs%3D&reserved=0" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=6Qtf9nsUKBNkmJMbziu4UQ~~&pe=6ikYj52J_OnSWvWybzw6ilWBk1sO-S4D6sqz4ZYaoO3w1W5H7fpEWrnHtLi_RfhH2Ya7dmsdl_Fvqy6BeW1pcg~~&t=Q0XwwWwU-AK7xnl9lJEJdQ~~" shash="iURvKh7FHC6dNMC8pVmWgWmyquPVp4QqxeXygxrdop+IpFMdIs4lY6iNlF3BMxdcFQvK96HD3aPYP6ICfd4hx+Ga3boOw3egbQTurVABe6CB6369IGEWHbeBZ9Zte9WpwuFVMYPFNWJ2dJAcKSM67kSO1cLe7UuwgdMRrN3VLmo=" data-loopstyle="link">- Nothing But a Good Time by Poison</a>.
Lower Than Last Year
Long term interest rates started the year moving lower, with both mortgage-backed securities (where home loans are priced) and the 10-year Note yield posting nice gains.
This is a bit different than what happened last year as when 2022 rang in, interest rates moved higher and never looked back.
Remember, the Federal Reserve controls the Fed Funds Rate which is an overnight rate. That interest rate, along with short-term rates like the 3-month bill and 2-year Note are all higher than the 10-year Note and 30-yr Bond rates. Historically, when short-term rates remain higher than long-term rates, it means a recession is on the horizon.
Good News is Bad News
Interest rates gave up some of their nice gains to start the year in response to a much better than expected ADP Report (labor market reading).
The good news on more jobs being created was bad news for rates as markets worry the Fed will continue with higher for longer rates and eventually tip the economy into recession.
The market response to the ADP report also elevated the chance of a .50% Fed rate hike to 50/50, up from a .75% chance of a .25% hike just a day earlier.
Ultimately, the strong labor market is great for housing and the overall economy as it would ensure that any economic recession would be shallow and short-lived in nature.
December Fed Minutes Released
This week, we also got to hear what the Fed was thinking and talking about at the December Fed Meeting, where they raised rates by a smaller .50%, breaking a string of four consecutive .75% hikes.
"Participants welcomed inflation drops in October, November but concurred it would take "substantially more evidence" of progress to be confident of a sustained downward path" - December FOMC Minutes.
This line from the Minutes is encouraging that inflation has indeed peaked but is a bit worrisome the Fed will be trying to keep rates higher for longer when inflation is already coming down. Remember, it was just back in November 2021 when the Fed admittedly got it wrong regarding high inflation. Could they get it wrong this time around?
Bottom line: Long-term rates appear to have peaked, but any further improvement will be based on the incoming data. We are seeing the threat of higher inflation being offset by the elevated threat of a recession.
Looking Ahead
Next week will bring a fresh round of Fed speeches which can move interest rates. But the main event will be the Consumer Price Index (CPI) for December, where it is expected to decline to 6.7% annually from 7.1% in November. Seeing that CPI was above 9% last summer, shows inflation is indeed declining, which is good.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 5.5% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
The right side of the chart shows prices moving in a multi-month sideways range near the best levels since September.
Chart: Fannie Mae 30-Year 5.5% Coupon (Friday, January 6, 2023)
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5090468/middle-image-010623.jpg" border="0" width="620" height="339" loadstarttime="1673628574967" id="imageSelected0" />
Economic Calendar for the Week of January 9 - 13
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5090468/cal-image-010623.jpg" border="0" width="620" height="340" id="x__x0000_i1041" loadstarttime="1673628574967" />
The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.<br /><br /><br />
2023-01-09T09:47:00-07:002023-01-13T09:50:09-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:23844Mortgage Market Guide Monday- 12/26/2022
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5090376/top-image-122322.jpg" width="260" height="174" align="right" loadstarttime="1672929693069" />Home loan rates held steady near 3-month lows despite a negative surprise from the Bank of Japan. Let's discuss what happened and look into next week.
"I found out long ago (Oh-oh-oh-oh-oh) It's a long way down the Holiday Road" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3Dc9Tu-ivnnDeF0bBdO7BSdQ~~%26pe%3D243l-L-RhpXG3N3O-cP_Bk3nIh6h9rrt2TOsLH2JFlde4PZwmLKe2m3eMMhXViy3INzXrGVdEJ2BhJIlw_Fabg~~%26t%3DygFFeai4aWFQPt7IgLyEdw~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C828985e07853482c458608dae8ec976f%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C638078400557380216%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C2000%7C%7C%7C&sdata=snAIVhwU94T%2B53n2yewAF%2FqXbweefLDMWY541%2Bmdg9s%3D&reserved=0" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=c9Tu-ivnnDeF0bBdO7BSdQ~~&pe=243l-L-RhpXG3N3O-cP_Bk3nIh6h9rrt2TOsLH2JFlde4PZwmLKe2m3eMMhXViy3INzXrGVdEJ2BhJIlw_Fabg~~&t=ygFFeai4aWFQPt7IgLyEdw~~" shash="dQeKrlg5OsHMRyqEAqodNtCU/9DC7ZG7auSnjriNRpbPrecVOePecq008C6uiJO+dbcm0GUaqIkpQMoCvDAkhF8wHfXWqaxfmgWY++k14c+5Ex9C8+Ha4NeMR5sU428MBppPdD3z1U36vePnKld2cQAu3lGjtKFG996wXxoYJSY=" data-loopstyle="link">Holiday Road by Lindsey Buckingham</a>.
BOJ Surprise
Earlier this week, the Bank of Japan (BOJ) unexpectedly allowed its 10-yr government bond rates to rise. This sounds like a big deal on the surface, but let's break it down.
First, for many years, the BOJ has had a collar around their 10-yr bond, restricting it from going no more than .25% above or below 0.0%. On Tuesday, they announced they would widen the band and allow their 10-yr rate to float up to .50% above or beneath 0.0%. Yes, you read this right, the BOJ essentially went from having a .25% to having a rate as high as .50% which is a meager interest rate when you consider our 10-yr Note is yielding 3.65%.
To signal to the markets that the BOJ was not tightening monetary policy, they also announced that they will purchase more bonds (QE) to prevent yields from rising.
It's worth a reminder that here in the US our Federal Reserve is doing the opposite. They are no longer buying bonds and are allowing them to run off the balance sheet, hence the dramatic increase in rates this year.
Consumer Confidence Mixed
Consumer confidence bounced back in December, reversing consecutive declines in October and November to reach its highest level since April 2022. Why? Inflation expectations retreated in December to their lowest level since September 2021, with recent declines in gas prices a major impetus which is good for rates and less Fed hikes.
3.65%
The 10-year Note, which ebbs and flows with mortgage rates remained steady at 3-month lows, well off the 4.20% highs seen last month. Future inflation and labor market readings will determine if long-term rates continue to edge lower at the beginning of 2023.
Bottom line: Home loan rates have improved nicely from their peak in 2022 and inventory has increased in many parts of the country. Furthermore, sellers have become more realistic in pricing, and many are eager to make deals. This poses a wonderful opportunity for a would-be home buyer.
Looking Ahead
Next week there are literally no high-impact economic readings and no major Fed speeches. The week is also short with markets closed on Monday for Christmas and the bond market shutting down early next Friday for the New Year holiday.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 5.5% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower, and vice versa.
You can see on the right side of the chart the Green Candles moving sideways to higher as we approach the close of 2022. This means sideways to lower rates over time and that is a good story to end the year.
Chart: Fannie Mae 30-Year 5.5% Coupon (Friday, December 23, 2022)
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5090376/middle-image-122322.jpg" border="0" width="620" height="364" id="x__x0000_i1042" loadstarttime="1672929693069" />
Economic Calendar for the Week of December 26 - 30
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5090376/cal-image-122322.jpg" border="0" width="620" height="323" id="x__x0000_i1041" loadstarttime="1672929693069" />
The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors. <br /><br />As your mortgage professional, I am sending you the MMG WEEKLY because I am committed to keeping you updated on the economic events that impact interest rates and how they may affect you.
2022-12-26T07:42:00-07:002023-01-05T07:44:24-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:23843Mortgage Market Guide Monday-12/05/2022
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5090212/top-image-120922.jpg" width="260" height="173" align="right" loadstarttime="1672929506087" />This week home loan rates improved modestly as we approach an important Fed Meeting and inflation reading next week. Let's discuss what happened and talk about the headline risk on the horizon.
"I'm just waiting on a Friend" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3DNnMcLrlqtNkJBoG8v1VrgQ~~%26pe%3D59fALn3tcZVbp-kRgHHmOAs-SSshS_YawjTba0SbSNZd733dLeeX7pwMz8H5AvqFn5Zd5G7L-GjrSAICn--F4Q~~%26t%3D8kDyjoYByYkdox-eZOCe0g~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C85ab2bf9739d4a19370508dadc57ba8a%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C638064566635642460%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=tt7JFVfLo4sEy%2FEwt%2B9HcDZiRDPXSrJI1PAzSpUIEoo%3D&reserved=0" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=NnMcLrlqtNkJBoG8v1VrgQ~~&pe=59fALn3tcZVbp-kRgHHmOAs-SSshS_YawjTba0SbSNZd733dLeeX7pwMz8H5AvqFn5Zd5G7L-GjrSAICn--F4Q~~&t=8kDyjoYByYkdox-eZOCe0g~~" shash="qJNW18GvqSs7izeMzS3T0VsWKypUU9YnpSQrrslrCq8koNjxk1q/D0zAobBNq8AnsPPJsQ+YHsUhquRqft1F+/69K8Z84r3gEmyW1KXDZjw2WrnIbkxBihVdi7jxiZ48uvjVwG0AjESvXpNix89olwORnNF01HauzCK6aj14/pw=" data-loopstyle="link">Waiting on a Friend by The Rolling Stones.</a>
More Signs Of Inflation Falling
On Tuesday, 3rd Quarter Productivity showed that Unit Labor Costs (how much a business pays its workers to produce one unit of output), came in lower than expectations. If it costs less to produce something, there is no pressure to charge more, thereby lowering inflation expectations.
The Productivity and Unit Labor Costs reading do not typically move the market that much, but in a world looking for signs that inflation is abating, this soft reading pushed bond yields sharply lower.
3.40%
Back on Nov 8th, the 10-yr Note yield peaked at 4.20%. One month later, yields fell all the way down to 3.40%, matching the lowest level since mid-September.
Mortgage-backed securities (MBS), which is where home loan rates are derived, moved more sideways and didn't experience the large rate improvements seen in Treasuries. That is OK as mortgage rates also remain at the lowest levels since September.
2/10 Yield Curve Inversion
The yield on the 10-yr Note dropped over .80% beneath the 2-yr Note for the first time in over 40 years. Why is this important to us? Nearly every time the 2-yr yield moves above the 10-yr yield, a recession soon follows. Seeing the inversion steepen to levels last seen when Reagan was President suggests the threat of a recession is elevated. So, it seems, the financial markets have moved on from the threat of inflation to the threat of a recession.
Policy Error
Here's a term that is starting to catch the airwaves. Essentially it means the Fed will raise rates too high or try to keep them high for too long and push the economy into a recession. Remember, long-term rates only move higher with the Fed Funds Rate (the rate the Fed hikes) IF the economy can absorb those hikes. The bond market is clearly challenging the idea of a "higher for longer" Fed Funds Rate with the 10-yr Note falling as fast as it has over the past month.
Bottom line: Rates have improved and sellers are eager to make deals. This may pose great opportunities for a nimble buyer. This is not an environment to wait until everyone hears about the improvement in rates.
Looking Ahead
Next week is filled with headline risk. On Tuesday, the Consumer Price Index, will be reported and this reading on consumer inflation could be a big market mover. But the main event is the Fed's Monetary Policy Decision. It is widely expected they raise the Fed Funds Rate by .50%. What will have the market's attention is any words about a smaller hike going forward in response to "policy lags", where we wait for existing rate hikes to impact the economy.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 5.5% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
You can see on the right side of the chart the Green Candles moving above $101 for the first time since September. Next week's big events may determine if prices break above $102 and move a leg lower still.
Chart: Fannie Mae 30-Year 5.5% Coupon (Friday, December 9, 2022)
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5090212/middle-image-120922.jpg" border="0" width="620" height="351" id="x__x0000_i1044" loadstarttime="1672929506087" />
Economic Calendar for the Week of December 12 - 16
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5090212/cal-image-120922.jpg" border="0" width="620" height="526" id="x__x0000_i1043" loadstarttime="1672929506087" />
The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors. <br />
2022-12-12T07:38:00-07:002023-01-05T07:42:21-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:23164Mortgage Market Guide Monday-11/28
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5089993/top-image-111822.jpg" width="260" height="173" align="right" loadstarttime="1669655861869" />This week, interest rates touched the lowest levels in two months on the idea that inflation may have peaked. Let's break down what happened and look into Thanksgiving Week.
"Well I'm going down. Down, down, down, down, down" <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3DOxKrWvnXqNAMP73wdqEdwQ~~%26pe%3Dl8p-7GB61qfxJcg8CJBFtCvgvVb-rnvO29ivAWt6Ev6_ccjkl01dWByZfHusB9nD2vDRxibtWen0SK1ZhgEkrg~~%26t%3DUOuCUE-So5CBUaWO493yKQ~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7Ce77d1dcee6334b74b48308dacbd94811%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C638046431353531644%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=DwM6Ir%2FiDAI8aM7m0z1JVkqk1dTzvlk7B40Xq50nKMQ%3D&reserved=0" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=OxKrWvnXqNAMP73wdqEdwQ~~&pe=l8p-7GB61qfxJcg8CJBFtCvgvVb-rnvO29ivAWt6Ev6_ccjkl01dWByZfHusB9nD2vDRxibtWen0SK1ZhgEkrg~~&t=UOuCUE-So5CBUaWO493yKQ~~" shash="GcwILZfm9C5ml/dG5mvnDugblfj8RU67qRfiAUQu4acCDir34YsOt2HF1cI62mBk78QdSJt5/XuBDouJdh5XLYyK4/i94jaT0Q6ZHzsq4D3djyEc+k3jLr+xqB+h3LJ1kYFycR4X1CBOEQXR2SozqI2mYJ/a3astK/scFKnlekI=">Going Down by Jeff Back</a>
10-yr Note Touches 3.67%
The 10-yr Note yield touched 3.67% this week, a large rate improvement from 4.23% seen the previous week. The downtick in long-term rates also fed into home loan rates, which have declined as much as .50% in the last week or so.
The big question? Does this decline in rates have "legs" and will it continue?
Peak Inflation Equals Peak Rates
The readings on inflation suggest that we may have just seen the peak in inflation. We will want to see future inflation readings to confirm this, but long-term bonds, which are forward-looking, appear to be pricing at a peak.
Do not tell the Federal Reserve that inflation may have peaked. There were several Fed speakers out this week saying that inflation is still a problem, and they want to keep rates higher for longer.
Short-Term – Higher for Longer
Remember, when the Federal Reserve says they want rates higher for longer, they are talking about the Federal Funds Rate, which is an overnight rate that banks lend to each other. The Federal Funds Rate affects short term loans like credit cards autos and home equity lines of credit.
It is important to note that while the Fed Funds rate may increase by another 1.25% between now and next May, long-term rates like the 10-yr Note and mortgages, may have already peaked.
Smaller December Hike
The financial markets are now pricing in a high probability the Federal Reserve will only raise rates by .50% next month. Additionally, the markets are also sensing the Terminal Rate, or peak in the Fed Funds Rate will be 5 to 5.25% achieved by May of 2023. The Fed will attempt to lift rates that high and keep them there if the economic readings will support it.
Should we see the labor market struggle and inflation come down even further, the Fed may be forced to do less hikes. As the old saying goes, time will tell.
Bottom line: Home loan rates have improved. With more inventory coming to market and many sellers eager to make deals, now could be a great time to consider taking advantage of the opportunities in housing.
Looking Ahead
Next week we celebrate Thanksgiving, which means bonds are closed Thursday and only open a half day on Friday. There is also little in the way of economic data, with just Durable Goods Orders and Consumer Sentiment on Wednesday. There will be plenty of Fed speakers out to remind us of the need to hike rates more.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 5.5% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
You can see on the right side of the chart the Green Candles moving higher means a nice improvement in rates. For rates to improve further, we need to see MBS climb above $101, which will serve as a ceiling of resistance.
Chart: Fannie Mae 30-Year 6.0% Coupon (Friday, November 18, 2022)
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5089993/middle-image-111822.jpg" border="0" width="620" height="490" id="x__x0000_i1046" loadstarttime="1669655861869" />
Economic Calendar for the Week of November 21 - 25
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5089993/cal-image-111822.jpg" border="0" width="620" height="191" id="x__x0000_i1045" loadstarttime="1669655861869" />
The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.
2022-11-21T10:15:00-07:002022-11-28T10:18:42-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:23034Mortgage Market Guide Monday
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5089841/top-image-111022.jpg" width="260" height="154" align="right" />This week, interest rates moved a bit sideways after Election Day and only added to the uncertainty as ballots continue to be counted. Let's discuss what happened and look into the week ahead.
"Pull my shirt off and pray - we're coming up on re-election day" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3Dv-qsa9YVKihO0RPsHTYcQg~~%26pe%3D9JRb-NkIByVxRklv8zZDPPCmfcLek7-ar0F3RZBiWv6BxFpUgxECoetqrye35Zke_jOpRJig_d9gN9dLuL1Ocg~~%26t%3DmZ6kSG4tHbRggU3f4NfLFw~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C010de4b6dd374c9708aa08dac8b3a777%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C638042971183947482%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=YAq9p3WcwlzmQqLeufRBfJELO7vC5Pr%2F4Hu04t%2FelFM%3D&reserved=0" target="_blank" rel="noopener noreferrer" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=v-qsa9YVKihO0RPsHTYcQg~~&pe=9JRb-NkIByVxRklv8zZDPPCmfcLek7-ar0F3RZBiWv6BxFpUgxECoetqrye35Zke_jOpRJig_d9gN9dLuL1Ocg~~&t=mZ6kSG4tHbRggU3f4NfLFw~~" shash="OYCE5BrulQSRyHCnbBsao9lI8UZULtlYGjQdhtiNpxcy/469H/QHPM3obxx3xBRsJ6JPVH1r2I23SaLUDC3yZhptIIQVjGrW3pU+R/vO0M5nJgt7R/A4hnCfX1OyxYwAF5MYcO0/C8nGv/k9mA2b4oxDOwepNflyIRxGlADoV7w=" title="Original URL: https://benchmark.mmsend.com/link.cfm?r=v-qsa9YVKihO0RPsHTYcQg~~&pe=9JRb-NkIByVxRklv8zZDPPCmfcLek7-ar0F3RZBiWv6BxFpUgxECoetqrye35Zke_jOpRJig_d9gN9dLuL1Ocg~~&t=mZ6kSG4tHbRggU3f4NfLFw~~. Click or tap if you trust this link." data-linkindex="4">Election Day by Arcadia (Duran Duran)</a>
Consumed By Uncertainty
It has been nearly a year since the Federal Reserve flip-flopped on the idea that high inflation was "transitory" and the need for that word to be retired. Since that time, we have experienced unprecedented uncertainty in the financial markets, with home loan rates moving from 3% to 7%...the fastest rate of change in our history.
A lot of the uncertainty, and thus volatility, is surrounded by where inflation and the overall economy is and how far is the Fed going to go with rate hikes. With the election results still up in the air, we should expect to see more of the same continued uncertainty and volatility.
Balance of Power Rate Impact
Mixed control between Congress and the White House could benefit interest rates. How? It makes it more challenging to deliver large scale changes to tax policy or deficit spending to try and help the economy. On the spending, lower spending likely helps to lower inflation, which means lower rates.
The Terminal Rate
How high will the Fed raise rates? Currently the Fed Funds Rate, which is an overnight rate the Fed hikes and cuts, is in a range of 3.75 – 4.00%. This week, major financial institutions, with most forecasting the terminal rate, or the peak in the Fed Funds Rate to be 5.00%, coming by May 2023.
It is important to note, that while the Fed Funds Rate may increase by another 1.25% between now and next May, that doesn't mean long-term rates will go higher.
The only way long-term rates go higher is if the economy can absorb the increased rates. Mortgage bonds and Treasuries are essentially at the same levels they were back in late September, so long-term rates are starting to buck the idea of moving higher.
The Fed Step Down
After four consecutive .75% rate hikes, the markets are wondering and hoping the Fed will "step down" the size of rate hikes come December. Currently, there is a 57% chance of a .50% rate hike. A smaller rate hike would make sense as the Fed will have raised rates by 3.50% in the second half of the year and those hikes have yet to hit the economy.
Bottom Line: Home loan rates have improved from the highest levels of 2022. With more inventory coming to market and many sellers eager to make deals, now could be a great time to consider taking advantage of the opportunities in housing.
Looking Ahead
Next week brings some important readings like the Producer Price Index, which is a reading on wholesale inflation, Retail Sales, a reading on consumer spending and some housing data. As always, there will be plenty of Fed speak and central bank activity across the globe, which can move the markets.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 6% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
Prices have moved slightly higher in the last week. If prices can remain at or above current levels, we will have seen the rate peak of 2022. However, if the bond falls beneath those 2022 price lows, home loan rates will make new highs.
Chart: Fannie Mae 30-Year 6.0% Coupon (Friday, November 11, 2022)
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5089841/middle-image-111022.jpg" border="0" width="620" height="566" id="x_x__x0000_i1029" />
Economic Calendar for the Week of November 14 - 18
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5089841/cal-image-111022.jpg" border="0" width="620" height="545" id="x_x__x0000_i1028" />
The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.
2022-11-14T08:51:00-07:002022-11-17T08:53:58-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:23033Mortgage Market Guide Monday
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5089715/top-image-110422.jpg" width="260" height="173" align="right" />This week interest rates revisited 2022 highs in response to the Fed meeting, where the Federal Reserve raised the Fed Funds Rate by .75%. Let's discuss what happened and investigate the week ahead.
"You had me shaking and you shook me all night long" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3Dgex7KsJp5lsb_RKf6hLRew~~%26pe%3DydLcpkz_x3MrxPKCgeYxtvWQ55yKTosqf3NiZK2JbXONO8I_PnXkDZbB6NR8XsU8hPMfWw2dIXY7L7hl4I99dw~~%26t%3DJn1K8hSrC4X2BlZJPlN8FQ~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C0f20096f0d4a48bc72c108dac8b35c34%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C638042969945622890%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=xyx28kWqIoW%2FNFRAGgIxrSeYE7zZxF0Ood45QL4E30Y%3D&reserved=0" target="_blank" rel="noopener noreferrer" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=gex7KsJp5lsb_RKf6hLRew~~&pe=ydLcpkz_x3MrxPKCgeYxtvWQ55yKTosqf3NiZK2JbXONO8I_PnXkDZbB6NR8XsU8hPMfWw2dIXY7L7hl4I99dw~~&t=Jn1K8hSrC4X2BlZJPlN8FQ~~" shash="BCEiqJTSdQnLaP7BaK9tR+M6LAe01d8aC1m8xetNHT/Tnp9vR5cIImYbC2bSvjBPIagdRzJrG4wicAXPz7uq5wipkUSqNWnXorXx97PP1dtKLDJ0disKPdIi/rkVa9npd+8E5caywHRFpkPmu5yuuznWZLDOTqQiTRpz5dMJ/PA=" title="Original URL: https://benchmark.mmsend.com/link.cfm?r=gex7KsJp5lsb_RKf6hLRew~~&pe=ydLcpkz_x3MrxPKCgeYxtvWQ55yKTosqf3NiZK2JbXONO8I_PnXkDZbB6NR8XsU8hPMfWw2dIXY7L7hl4I99dw~~&t=Jn1K8hSrC4X2BlZJPlN8FQ~~. Click or tap if you trust this link." data-linkindex="9">You Shook Me All Night Long by AC/DC</a>
"It's very premature in my view to be thinking about or talking about pausing our rate hikes. We have a ways to go." Fed Chair Powell at Wednesday's press conference.
This quote, which took place 30 minutes after the Fed raised rates, was the main driver in a selloff in stocks and bonds. Stocks reversed 900 points lower intraday and the 10-year yield went from 3.97% to 4.11%.
Heading into the meeting there was growing speculation that the Fed would somehow tell the markets that future rate hikes would be smaller. There was even a Wall Street Journal article a couple of weeks ago which highlighted the debate Fed members had about how to message this "step down" of lower rate hikes ahead.
Mixed signals = Uncertainty and Volatility
"In determining the pace of future increases in the target range, the Committee will take into account the cumulative tightening of monetary policy, the lags with which monetary policy affects economic activity and inflation, and economic and financial developments." FOMC Monetary Policy Statement - November 2022.
This line within the statement was initially read as a positive sign to both stocks and bonds that the Fed will pause or slow the pace of rate hikes to allow the existing rate hikes to seep into the economy.
However, just a short 30 minutes later at the press conference, Fed Chair Powell did not let the markets believe the Fed will make a smaller hike in December. Yet at the same time, he said "it could happen."
Some other hawkish Fed quotes which led the market to believe the Fed will continue with higher for longer with rates were the following:
"Don't think we have overtightened"
"No sense of inflation coming down"
"Overheated labor market"
Other Central Banks Around Globe Are Hiking
The Bank of England also raised their benchmark rate by .75% and said, "if we do not act forcefully now (against inflation) it will be tougher later on." As yields around the globe inch higher, it pulls our yields higher as well. The opposite is true.
Fed Rate Hikes and Home Loan Rates
It is important to remember, the Fed is looking to raise the Fed Funds Rate (an overnight rate) to potentially 5.00% sometime in the spring of 2023. And the Fed's goal, for the moment, is to hold it elevated until inflation comes down to 2%. The Core PCE measure is currently running at 6%.
Long-term rates, like the 10-year yield and home loans, will only increase if the economy can absorb the hikes. Right now, those rates are showing some resistance to move higher, suggesting the economy can't afford the higher rates without slipping into a recession.
Fed Chair Powell closed out his press conference by saying the chance of seeing a "soft landing" in the economy has "narrowed." The increased threat of a recession will limit how high rates will go and for how long.
Looking Ahead
It's a big week with Election Day on Tuesday and an important inflation reading, the Consumer Price Index (CPI) on Thursday. If the inflation reading comes in soft, we will very likely see smaller rate hikes next month. If the reading comes in strong and supports the Fed's "no sense of inflation coming down" mantra, then we could very well see another .75% increase in December.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 6% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
Prices have moved lower over the last week and are now close to the lows seen a couple of weeks ago. If prices can remain at or just above current levels, we will have seen the rate peak in 2022. However, if the bond falls beneath those 2022 price lows, home loan rates will make new highs.
Chart: Fannie Mae 30-Year 6.0% Coupon (Friday, November 4, 2022)
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5089715/middle-image-110422.jpg" border="0" width="620" height="545" id="x_x__x0000_i1034" />
Economic Calendar for the Week of November 7 - 11
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5089715/cal-image-110422.jpg" border="0" width="620" height="255" id="x_x__x0000_i1033" />
The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.
2022-11-07T08:49:00-07:002022-11-17T08:51:33-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:23032Mortgage Market Guide Monday
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5089373/top-image-102822.jpg" width="260" height="153" align="right" />This past week we watched interest rates improve nicely on the notion that central banks around the globe will be hiking rates less going forward. Let's break down what happened this week as we approach the important Fed meeting next Wednesday.
"Every breath you take, And every move you make, Every bond you break, Every step you take, I'll be watching you" ... <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3DtXfuzze5CYo9G6uwxzgwhw~~%26pe%3DS6_zgorU_67YfYz7_CdSWY5Eh5tSTaIjYFUD9DyjLf53-vxU5gVVCHLYjC6WSjHrp7Z1fdeu_KWSQMO9kDcPrQ~~%26t%3D8No5bLWoGifOrcEKP_iC0g~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C7a6532af2e804ec2202d08dac8b2f7cc%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C638042968235315528%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=Hv%2FetQl68DvRSiG142ZwLMP3yzGdyfFU6%2FZ2ZNYNoEQ%3D&reserved=0" target="_blank" rel="noopener noreferrer" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=tXfuzze5CYo9G6uwxzgwhw~~&pe=S6_zgorU_67YfYz7_CdSWY5Eh5tSTaIjYFUD9DyjLf53-vxU5gVVCHLYjC6WSjHrp7Z1fdeu_KWSQMO9kDcPrQ~~&t=8No5bLWoGifOrcEKP_iC0g~~" shash="QMWRKuiKNNFuYQ3hcTxEklZpAWRXw0PTK7KHZfXsqqd3J7FNrXKiVtQDAR6E/1BhXbpwrBq7H3HO+Eia2Tn5Seiuo6L5QMQw5IfmCmdfRjvbd32QeL6894qzxtjxxITEDZilPd/cnqkokPv4wCxLEGSZb2GIyCmqB1I4IiGSkEo=" title="Original URL: https://benchmark.mmsend.com/link.cfm?r=tXfuzze5CYo9G6uwxzgwhw~~&pe=S6_zgorU_67YfYz7_CdSWY5Eh5tSTaIjYFUD9DyjLf53-vxU5gVVCHLYjC6WSjHrp7Z1fdeu_KWSQMO9kDcPrQ~~&t=8No5bLWoGifOrcEKP_iC0g~~. Click or tap if you trust this link." data-linkindex="4">Every Breath You Take - The Police</a>
"We've made substantial progress in withdrawing accommodation" - European Central Bank (ECB) President, Christine Lagarde 10/27/22.
This was the line of the week. It suggests that the ECB is going to raise rates by less going forward. The global financial markets agreed as they are now pricing in a .50% ECB rate hike in December versus a .75% right before the announcement.
Why is this ECB move important?
Last Friday, the Wall Street Journal wrote an article that suggested our Federal Reserve is going to do the same thing next week...raise rates by .75% and shared that they will do less rate hikes going forward.
As a result of the "step down" or smaller future rate hike talk, yields around the globe moved lower.
3-Month T-Bill And 10-year Note Yield Inversion
There is a lot of chatter about yield curve inversions and the likelihood of a recession. Just this week the 3-month Bill and the 10-year Note yield inverted. This means, the 3-month T-Bill is yielding more than the 10-year yield. The Federal Reserve has acknowledged that they look at this metric as a sign of a recession ahead.
If there were another reason for the Fed to step down the size of future rate hikes, it is seen in the 3-month Bill and 10-year Note inversion.
The Case For The Fed "Step Down"
Besides other central banks around the globe signaling the likelihood of smaller rate hikes in the future, there are reasons the Fed could "step down" and reduce the size of rate hikes going forward.
Here they are:
It is estimated that a Fed Rate hike takes about six months to have an impact on the economy. This means the Fed will likely raise the Fed Funds Rate by 3.50% in the second half of 2022 and those hikes have not even made an impact on an economy that is already slowing.
The 3-month T-Bill/10-year Note yield inversion. The last time this happened back in 2019, the Fed "cut" rates six months later. We do not expect a rate cut, but we should certainly expect the Fed to pause on larger rate hikes and see what impact they now have since that a key metric has taken place, like this inversion.
We can't afford it!!! With $31 trillion in government debt and $16.5 trillion household debt, we can't afford rates to move too high so the Fed will need to be careful with how high they lift rates.
Housing has slowed dramatically and is a major driver of the economy. We do not need to see much lower rates to have a healthy housing market, we just need some clarity and stability and that could come with the Fed signaling a slowdown of larger rate hikes.
Looking Ahead
The main event is the Fed meeting next Wednesday at 2:00 p.m. ET. There will be multiple market reactions including one on the monetary policy statement, another at the 2:30 p.m. ET press conference from Fed Chair Powell and another more powerful one on Thursday morning. And if that were not enough, we will get the October Jobs Report next Friday.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 6% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
Prices have moved sharply higher over the last week, helping home loan rates also improve. Next week's Fed Meeting may determine if rates can continue to move lower and if we witnessed the peak in home loan rates.
Chart: Fannie Mae 30-Year 6.0% Coupon (Friday, October 28, 2022)
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5089373/middle-image-102822.jpg" border="0" width="620" height="552" id="x_x__x0000_i1031" />
Economic Calendar for the Week of October 31 - November 4
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5089373/cal-image-102822.jpg" border="0" width="620" height="624" id="x_x__x0000_i1030" />
The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.
2022-10-31T07:46:00-07:002022-11-17T08:49:29-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:21766Mortgage Market Guide Monday- 8/26/2022
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5088421/top-image-082622.jpg" align="right" />August has not been kind to bonds and interest rates. Even though the Federal Reserve did not hold a meeting in August and is not slated to raise rates again until the end of September, long-term rates moved higher. Let's break down what happened and look into the week ahead.
"Our House, in the Middle of our Street" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3Dvc9JjyFfshM310qI4y422g~~%26pe%3Dr7stazP3X0KNijIkZ185AmcgEsZ7InhWiKhBkc2vmd2poWFWHyptpeFRqPp2bsIYuk22PRr06bV0rmMNLIUpTg~~%26t%3DPISBappljYPCyz1lPPpwGQ~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C0f7c4142fcc44ee9e43008da8c2756af%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637976397830608814%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=sIasbiEf4hCdMWDXAQT9ZNz02CW8AsrcjyBw7V5rHiI%3D&reserved=0" target="_blank" rel="noopener noreferrer" data-auth="VerificationFailed" originalsrc="https://benchmark.mmsend.com/link.cfm?r=vc9JjyFfshM310qI4y422g~~&pe=r7stazP3X0KNijIkZ185AmcgEsZ7InhWiKhBkc2vmd2poWFWHyptpeFRqPp2bsIYuk22PRr06bV0rmMNLIUpTg~~&t=PISBappljYPCyz1lPPpwGQ~~" shash="tg1BVjBP216t84K4Ip0Oex1HcToEPCZsUg3iY35IDGzzY6YGbfjz6pWVN6PS5bvb5dda3rjyNuLINOxG6Ajvm4GkvjAPhFGrtsEaE429zpp7JouqFIWAsjQhe+LgRWIb5rXLpfNBgJhzpkHi0C/3QW5s/eiNYOxB86E0rWXRO5Y=" title="" data-linkindex="0">Our House by Madness</a>
Rate Volatility and Uncertainty Continues
Mortgage-backed securities (MBS), where home loan rates are derived, have declined since the beginning of August, losing nearly 200 bps through this week. As prices decline, rates move higher. This drop in MBS prices pushed home loan rates higher by .50% and more.
The continued volatility and uncertainty centered around whether inflation has peaked, if the labor market is softening and what the Fed is going to do about it...hike rates and shrink their balance sheet.
On the balance sheet reduction front, come September, the Fed is slated to double the current caps to $95B. What does this mean? Starting next month, the first $60B in Treasuries and $35B in MBS proceeds the Fed receives through bond maturing, refinance or purchase activity will be given back to the Treasury rather than reinvested in bonds. This is how the Fed will shrink the balance sheet by $95B per month.
It is worth noting that balance sheet reduction or Quantitative Tightening is not tested and there is no formula as to its impact on the economy, so the Fed is going to proceed with this enhanced $95B monthly runoff until something weird happens in the financial markets just like it did in their previous attempt to shrink the balance sheet back in 2018. This underlying uncertainty as our economy slows is also unnerving for both stocks and bonds.
Yield Curve Remains Inverted
The 2-year yield (3.34%) has been higher than the 10-year (3.07%) for weeks and hit nearly .50% which is the widest inversion in this century. Every time this inversion has emerged over the last 50 years it accurately preceded a recession. We are either in a recession or at its doorstep and future readings will tell.
New Home Sales Recession
New Home Sales in July plummeted to an annual rate of 511,000, representing a year-over-year decline of 29.6%. The supply of new homes available to sell increased to a 10.9 month supply; the largest since March 2009. August's reading could also be bad considering rates spiked sharply.
The Fed was looking to remove froth from housing, and it appears that goal has been accomplished. The recent weakness in housing was necessary and healthy for the long-term market. The pace at which home prices were rising was unsustainable.
As far as new home sales go, builders are going to proceed very slowly, if at all, on new projects until inflation, rates, and the 10.9 month supply ease. This soft patch in new home sales provides a great opportunity for a buyer as new incentives are emerging around the country to help move inventory.
Oil Back Above $90 a Barrel
Oil, the main input in headline inflation is back on the rise, having eclipsed $94.00 a barrel. If inflation continues higher it will embolden the Fed to increase rates further. But remember, the Fed controls short-term rates. The Treasury market and long-term rates tell the Fed what to do and with the yield curve inverted, it is saying the economy is slowing and we can't afford much higher rates.
Bottom line: Home loan rate improvement has stalled of late as financial markets try to figure out whether inflation has peaked and how far the Fed will go with rate hikes. Until the next Fed Meeting, we should expect more uncertainty and volatility. Meantime, there are many opportunities in housing as we see increased inventory and price reductions.
Looking Ahead
Next week is about jobs. The Jobs Report which includes Non-Farm Payrolls for August will be delivered next Friday. Expectations are for 290,000 jobs to be created, with the unemployment rate remaining at a historically low 3.5%. A strong labor market will ensure housing can recover from this year's weakness.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 4.5% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
You can see on the right side of the chart; MBS prices have been sliding lower throughout August. Next week's jobs report and the Fed Meeting in a few weeks could determine whether rates recover or potentially retest the summer price lows of mid-June.
Chart: Fannie Mae 30-Year 4.5% Coupon (Friday, August 26, 2022)
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5088421/middle-image-082622.jpg" border="0" id="x_x__x0000_i1026" />
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Economic Calendar for the Week of August 29 - September 2
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The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.<br aria-hidden="true" />
2022-09-26T07:50:00-07:002022-09-01T07:52:05-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:22141Mortgage Market Guide Mondays 9-19-22
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5088725/top-image-091622.jpg" width="260" height="169" align="right" />This past week, we saw some surprisingly hot inflation numbers which hurt the financial markets and pushed rates to the highest levels of 2022. Let's walk through what happened and look into the week ahead.
"There was one thing we weren't really thinking of and that's money" ... <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3D9IO3gYgcPzC9JIhjbEsoFQ~~%26pe%3D9KqAUyVOjAPeAQHOLFc_tI5_GqFzrrVlvRQ6zrAXoytxwuWiuMvvD1RUqPww7xINkN9OLvBU1GsrN1tHCQ6XTw~~%26t%3D4hEPoCM8pAy3URH57GEL7g~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C697d89a857344ce884cf08da9d8ffa33%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637995538942109306%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=prvI2GWjNywWruYhMtwd4XH1KkpllkwOoy2Ty7Gh7U0%3D&reserved=0" target="_blank" rel="noopener noreferrer" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=9IO3gYgcPzC9JIhjbEsoFQ~~&pe=9KqAUyVOjAPeAQHOLFc_tI5_GqFzrrVlvRQ6zrAXoytxwuWiuMvvD1RUqPww7xINkN9OLvBU1GsrN1tHCQ6XTw~~&t=4hEPoCM8pAy3URH57GEL7g~~" shash="BeOeggADzxtStdKzhG0FV5nOTJe7gafkq541quXsx317FvaDHEuWjys7Y/5xSB3XVLtebDGdtSM2L8mYbOjVsAsnLXqSMzKC6JVccrzEL6rRdy4A8Pzpe9kVKi9EswoaabI/e59iMPMlZqIBYkb96OoXQMqIFzyyCI2ZTcRu16c=" title="Original URL: https://benchmark.mmsend.com/link.cfm?r=9IO3gYgcPzC9JIhjbEsoFQ~~&pe=9KqAUyVOjAPeAQHOLFc_tI5_GqFzrrVlvRQ6zrAXoytxwuWiuMvvD1RUqPww7xINkN9OLvBU1GsrN1tHCQ6XTw~~&t=4hEPoCM8pAy3URH57GEL7g~~. Click or tap if you trust this link." data-linkindex="0">Money Changes Everything by Cyndi Lauper</a>
Inflation Remains High
Last Tuesday the Consumer Price Index (CPI) was released, and it showed inflation remains high and a problem for consumers, the economy, and the Federal Reserve.
The headline CPI, which includes food and energy costs came in at a hot 8.3% year over year, higher than expectations of 8.1%. This number remains near a 40-year high despite getting some relief at the pump. The more closely watched Core CPI number, which removes food and energy, came in at 6.3%, a big month-over-month jump from 5.9% in July.
What caused Core CPI to jump so high? The housing component, which makes up 31% of CPI rose a lofty 0.7% for the month. This tells us that inflation will remain higher longer than we would like.
No Fed Pivot
Stocks were rallying into the CPI release, sensing and "pricing" in a softer inflation number. Upon seeing the higher reading, the Dow had its 7th worst daily loss in history. This is because the high CPI means the Fed will continue to hike rates to slow demand, which sharply elevates recession fears.
Further proof of the concern is seeing the 2-year yield spike to a 15-year high at 3.80%, which remains well above the 10-year yield of 3.44%. This wide yield curve inversion portends a recession.
The Good News
We all must remember that the Fed is raising rates to slow inflation, create unemployment, slow demand, and lower asset prices...all of these are good for long-term bonds and home loan rates. It is why we are seeing the 10-year yield rise as high as the 2-year.
There is a limit to how high long-term rates will go, and we could be nearing the limit.
The 10-year yield, while up slightly this week, remains below the 2022 peak seen in June. An important level to watch is 3.49%. If the 10-year yield moves above this important ceiling, rates will move up another level. If it can stay beneath this important marker, there is an opportunity to see that these will be the peaks for the year.
Bottom line: The Fed controls the overnight Fed Funds Rate and that rate is going higher next week. Longer dated Treasuries, like the 10-yr Note, control the Fed and right now we are seeing those long-term yields resist going higher because the global economy is sliding towards recession. It remains a great time to secure a home loan that is lower than the current rate of inflation.
Looking Ahead
There are some important housing readings, but the main event is the Fed meeting and Monetary Policy Decision due out on Wednesday at 2:00 p.m. ET. As always, expect multiple reactions – one when the interest decision is read, another when the Fed Chair does his press conference at 2:30 p.m. ET and another next Thursday after the markets sleep on the news.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 5% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
Prices are right at 2022 lows, which means home loan rates are at 2022 highs. Next week's Fed Meeting may likely determine the next directional move for rates.
Chart: Fannie Mae 30-Year 5.0% Coupon (Friday, September 16, 2022)
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Economic Calendar for the Week of September 19 - 23
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2022-09-19T11:14:00-07:002022-09-23T11:21:03-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:21817Mortgage Market Update-9/5/2022
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5088477/top-image-090222.jpg" width="260" height="173" align="right" loadstarttime="1662481489319" />The financial markets had a rough week, with stocks falling and rates spiking since Fed Chair Powell spoke in Jackson Hole last Friday. Let's walk through what happened and look into the week ahead.
"I guess I'm always hoping that you'll end this reign - But it's my destiny to be the king of pain".<a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3DO0Madk16s6wP20QWaXKNHg~~%26pe%3DxzVFe2PMuPNk_b3C7k0v455TddfoWbbIuB6f8smolT9r0xRiSABOtR-JLL8BP16zbcUkXf7muTgRpTDErvbCRQ~~%26t%3DXEijYlmTtqV2z3HVP0Deog~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7Cb82fb5b0dcfb4fd5f23008da901e9c26%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637980758402639515%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=ZAMFARXF01Rl50sdbZW4L%2FzFOHU0xIhOKLQXQOcsGJc%3D&reserved=0" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=O0Madk16s6wP20QWaXKNHg~~&pe=xzVFe2PMuPNk_b3C7k0v455TddfoWbbIuB6f8smolT9r0xRiSABOtR-JLL8BP16zbcUkXf7muTgRpTDErvbCRQ~~&t=XEijYlmTtqV2z3HVP0Deog~~" shash="i0sS08PZ56N83FThvXTqhadQi8Xh/C0mAjYSfsA1aUfN/pKY1MHWehOsAZ3NKY4P0b4o60BmmLJ+qaNbLTzezekU0TbLncgRsij6Y84eguott3PA+0GF1vvDQ42MLxgErXDMzka7uDzL92qcOJEb8bJy9AdME8bfH6CtWhBZ04E="> King of Pain by The Police</a>
Pain It Is
"While higher interest rates, slower growth, and softer labor market conditions will bring down inflation, they will also bring some PAIN to households and businesses." Fed Chair Jerome Powell – Friday, August 26, 2022.
This line set off the selloff in stocks and bonds and continued throughout this week.
The 2-Yr note which attempts to mimic fed interest rate activity, spiked to the highest level in 15 years. Mortgage-backed securities (MBS), which are where home loan rates are derived, fell sharply causing home loan rates to rise to the highest levels since June. And in a sign that a recession is here or forthcoming, the 2 and 10 year note yields remained deeply inverted suggesting pain is here and will likely continue.
On top of the Fed Chair's tough talk, we also had several Fed officials talking very hawkish which further stoked the rate hike fears. As of today, the chance of a .75% rate hike at the end of September is essentially fully priced in. This means that the Fed Funds Rate, which is an overnight rate, will be higher than the 10-year Note yield. This is typically a negative sign for the economy.
And if this were not enough pain for the bond market, we are now into September, where the Fed is slated to ramp up balance sheet reduction to the tune of $95B per month. This means the Fed will be providing even less support for the bond market. There is no clear formula on what the impact of balance sheet reduction will be on the economy. This adds to the uncertainty, volatility, and pain we are seeing in the financial markets.
Bottom line: Much like the Fed did in the first half of the year, they are "jawboning" the market by saying they will continue to raise rates and be very aggressive in doing so. The only rate they can raise is the Federal Funds Rate. With recession fears escalating, there will be a limit to how high interest rates will go and we are watching the June rate peak as a ceiling for 2022.
Looking Ahead
The economic calendar is very lean next week, but there will be more Fed speakers talking about where they see rates and the economy. This could continue to create the volatility we are seeing in all the financial market.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 4.5% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
You can see on the right side of the chart; MBS prices have been sliding lower throughout August. We are in danger of seeing rates test the June price lows, which represent the 2022 rate peaks. If prices fall to those price lows, it will be very important for that support to hold, otherwise 30-yr mortgages will rise above 6%.
Chart: Fannie Mae 30-Year 4.5% Coupon (Friday, September 2, 2022)
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Economic Calendar for the Week of September 5 - September 9
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The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.
2022-09-05T09:26:00-07:002022-09-06T09:28:27-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:21636Mortgage Market Guide Monday-8/22/2022
A Look Into the Markets
<img width="260" height="195" align="right" src="https://vip.vantageproduction2.com/Share/Content/5088261/top-image-081922.jpg" />For the past couple of weeks, interest rates remained within a range and haven't moved higher or lower, seemingly waiting for the next big market event. That event could be next week as Central Bankers around the globe and our Fed Chair Jerome Powell are set to speak at the Jackson Hole Symposium in Wyoming.
"We're going to Jackson, I'm gonna mess around" -<a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3Dh8HfpvxHorTtvWgvUUSIIA~~%26pe%3DV6l_Qgx0giPtyQWHFL-Q6gArIH14lpXi3ZBJrOAPhkr-FHpQqltMbEY0pFf_m7LyDvgcILlpdJNIaT4cnK-jKQ~~%26t%3DXfHVjHVvI549tTJgK-unlw~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C896c2ae4112c4555489b08da8449c22d%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637967750021625865%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C2000%7C%7C%7C&sdata=RPh%2FkV9XP8jiTAgBkp0wkJQfb6AP5yrx1sCeREL05kI%3D&reserved=0" originalsrc="https://benchmark.mmsend.com/link.cfm?r=h8HfpvxHorTtvWgvUUSIIA~~&pe=V6l_Qgx0giPtyQWHFL-Q6gArIH14lpXi3ZBJrOAPhkr-FHpQqltMbEY0pFf_m7LyDvgcILlpdJNIaT4cnK-jKQ~~&t=XfHVjHVvI549tTJgK-unlw~~" shash="UdPcdUkLVPVMbODQ4aqXsjORfohi2q3ROv8jRmRPdmETLAXg1kGnTp9YTFcio7VNlHFmGdvi6TGA9Evk93JqzRxWDQL6By5PDtcXSVDrBlGsd++zP5LhGO1oerGqqebY/H1SoOO0cFX6gMdnyU200fSKrLRlMIcT0M0JsW2Gl60=" target="_blank">Jackson by Johnny Cash</a>
Inflation Reduction Act Becomes Law
On Tuesday, President Biden signed the Inflation Reduction Act. The $750B plan has a host of new taxes and spending measures in hopes to lower prices for everyday Americans, while pushing forward with cleaner energy initiatives.
Bonds and interest rates do not like inflation as evidenced by the doubling of rates in the 1st half of 2022. So, any reduction in inflation would be a welcome development for those who invest in bonds or are looking to borrow money. Leading into the signing and the initial market response thereafter showed no meaningful response.
It will be sometime before we see the economic impact of this new law. With the 1st half of 2022 showing the US in a recession, hopes are for a resumption of economic growth, and inflation coming down over time.
New Home Construction Slumping
Housing Starts and Building Permits are slowing with the latter showing a surprisingly bad 9.6% decline month over month when the markets expected just a 2.0% decline. New home construction and sales make up a much smaller portion of the overall housing market, but the slowdown will have a negative impact on available housing inventory until the market finds balance. As the old saying goes...the cure for higher prices is higher prices. Home sale prices have declined offering potential home buyers a great opportunity, especially with rates having retreated since mid-June.
Oil Falling Beneath $90 a Barrel
Rising energy and daily essential costs have been the main culprit for high inflation and the economic slowdown in the first half of 2022. We are continuing to see signs of relief at the pump as oil has fallen from $124 a barrel to $87.
Oil prices decline in one of two ways:
1.) We create more supply
2.) Demand decreases through an economic slowdown
In China, they are struggling with both continued Covid lockdowns as well as a serious economic slowdown. This was a reason for the decline in oil this week. If oil continues to decline, it will go a long way to helping consumers regain their footing. With the savings rates declining, we need to bring consumers more relief on energy and daily essentials.
Bottom line: Home loan rate improvement has stalled of late as financial markets try to figure out whether inflation has peaked and how far the Fed will go with rate hikes. Until the next Fed Meeting, we should expect more uncertainty and volatility.
Looking Ahead
The Jackson Hole Symposium in Wyoming will take place from August 25 to 27. "The event brings together economists, financial market participants, academics, U.S. government representatives and news media to discuss long-term policy issues of mutual concern. Our Fed Chair, Jerome Powell, will be speaking and it could be a big market mover. It seems every year market moving comments are delivered and this year it should be no different.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 4.5% coupon, where currently closed loans are being packaged. As prices move higher, rates move lower and vice versa.
You can see on the right side of the chart; MBS prices are trying to climb above $101 and the 100-day Moving Average (Orange Line). If prices climb above these levels, rates will improve further, the opposite is true.
Chart: Fannie Mae 30-Year 4.5% Coupon (Friday, August 19, 2022)
<img border="0" width="620" id="x_x_chart-1" src="https://vip.vantageproduction2.com/Share/Content/5088261/middle-image-081922.jpg" />
Economic Calendar for the Week of August 22 - 26
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The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.
2022-08-22T05:46:00-07:002022-08-23T05:48:56-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:21411Mortgage Market Guide Monday 8/8/2022
A Look Into the Markets
This week home loan rates continued to gradually improve since the Fed hiked rates by .75% in both June and July. The elevated chance of a recession and the Fed hiking rates into the slowing economy has pushed rates to the best levels since April. Let's break down what is happening and what to look for next week.
"Won't Get Fooled Again" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3Dm4b3__-rcCQ9_FNNpXaQgA~~%26pe%3DdUC-uEH27eiibv_nEMu29MWQ5r7fIXbDTEuRNH1QoZk8STyieIn3Zem4XMkF5jQ4NVXk_FUp8kjAB416pZ-few~~%26t%3D_8RQW4vv21qIK6HY0Xv0Iw~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C0e400e3feb1548e738e308da7948a954%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637955650259574110%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=iiE83%2FB%2BoF4PHd%2BbuUoZIJfWnGMtDzvyY39Crz2X044%3D&reserved=0" originalsrc="https://benchmark.mmsend.com/link.cfm?r=m4b3__-rcCQ9_FNNpXaQgA~~&pe=dUC-uEH27eiibv_nEMu29MWQ5r7fIXbDTEuRNH1QoZk8STyieIn3Zem4XMkF5jQ4NVXk_FUp8kjAB416pZ-few~~&t=_8RQW4vv21qIK6HY0Xv0Iw~~" shash="q9IoiEjOb7MEQx7bcSHVLmcOqn9mPWiIM98e8yyu6RXM1+mIl4sC2FQVVHBVDtwRRsoZn9Cr9KlIgi4wgBpYX3kc/z4SKMc4oDoV8H9i63mVJO8aZCJcZsTMLnhZtD8YX9InG0g/3K2lkvYfHKQIH1IVnyxMxNMreTz+osR0bp8=" target="_blank">The Who</a>
Don't Be Fooled
The media will talk about the Fed hiking rates and allow viewers to believe that it includes home loan rates. The Fed can only control short-term rates with the Fed Funds Rate.
Since the Federal Reserve began raising rates in June home borrowing costs have declined. Why? Don't higher rates from the Fed equal higher borrowing costs? Not necessarily. The Fed controls short-term rates like credit cards and car loans and the like, not long-term rates such as mortgages. As we said in the past, Fed rate hikes are intended to cool inflation, slow economic growth and slow down the labor market. If inflation cools, the economy slows, and the unemployment rate ticks up...long-term rates move lower.
Long Term Rates are Talking
The 10-year note is at 2.67%...pricing in a slowing economy and less inflation. Bank of America was out last Wednesday saying they see the 10-yr yield going to 2.00% as economic conditions slow.
When we think about higher rates, the only way long term rates like the 10-year note and mortgages move higher is if the economy can absorb those rate hikes. With that said, if the economy was performing strongly and inflation was going to be a long-term problem, long-term rates would already be higher.
Energy
High energy prices have played a large role in slowing down the economy. This has consumers paying much more at the pump and for daily essentials. Oil prices have come down with a barrel at $90. Why? There are only two ways energy prices move lower. 1 - we create more supply or 2 - fears of a recession emerge. We are now staring at the latter. If energy prices break beneath $90, there is room that it will lead to further relief at the pump and less inflationary pressures which is good for long-term rates like mortgages.
Sliding Home Prices
The onset of a recession has impacted the housing market. Housing has finally seen some relief from skyrocketing home price gains in recent days as the CoreLogic Home Price Index in June saw a 18% year-over-year increase, down from the 20% plus gain seen in May. Another report showed that home prices cooled at a record pace in June. Big gains are not sustainable with historical percentage gains at 3.5% - 5%. CoreLogic is forecasting a 4.3% gain in home prices from June 2022 to June 2023. But low inventories are still plaguing the sector with the number of homes for sale on the market now 49% below levels seen in July 2019.
Volatility Remains
The next Fed meeting is in September. Up until that time, there will be several inflation readings and key economic reports for the Fed to consider. How these reports go may very well determine if and how much the Fed will hike rates. This will make the next few weeks very volatile in the bond market and interest rates. Again, if the Fed continues to hike rates into a slowing economy, it is likely we may see another downtick in home loan rates.
Labor Markets Slowing?
In the labor markets, The JOLTS report showed that there are 10.7 million jobs available across the nation, down from the recent number of 11.5 million as the job market is starting to flow. However, there are still 1.8 million open jobs per available worker with almost 6 million Americans unemployed. Outplacement firm Challenger, Gray & Christmas reported this week that job cuts in July were up 37% from July 2021.
"The job market remains tight, and large-scale layoffs have not begun. There are some indicators that hiring is slowing after months of growth, however." said Andrew Challenger, Senior Vice President of Challenger, Gray & Christmas, Inc.
Bottom Line: Home loan rates have appeared to make their peak back in mid-June. With more housing inventory coming to market, now is a great time to capture the home of your dreams with prices and rates off the highest levels of late.
Looking Ahead
This week the markets will receive the inflation reading Consumer Price and Producer Price Index to measure if consumers and wholesalers have seen the worst of surging prices for goods and services; however there will be Fed speakers on tap who could disrupt the markets further.
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Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices are what determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 4.5% coupon, where currently closed loans are being packaged. As prices move higher, rates decline and vice versa.
You can see the right side of the chart; prices have surged since the June lows but are stalling at a key level of $102 - meaning borrowing costs have improved since the last two Fed rate hikes in mid-June.
Chart: Fannie Mae 30-Year 4.5% Coupon (Friday, August 5, 2022)
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Economic Calendar for the Week of August 8 - 12
The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.
2022-08-08T09:14:00-07:002022-08-08T09:17:53-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:21322Mortgage Market Guide Mondays 8/1/2022
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5087004/top-image-072922.jpg" width="260" height="178" align="right" loadstarttime="1659465336844" />The Federal Reserve raised the Fed Funds Rate by .75% in a widely expected move while home loan rates continue to be well off the highest levels in June. Let's discuss what the Fed Chair Powell said in his press conference and what it means going forward.
"You dropped a bomb on me Baby, you dropped a bomb on me" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3DMeC8QxJuhwRCEA0ehYI4nA~~%26pe%3D9oaoD5nbnWG3H-WtcnsDz0j-R-O6fug-1gn_cUFghAGJ2lSJc4v8CWqZ2e5ElwvbqlUi3Pj2S_41YZ3T-zmzlw~~%26t%3Dx4Iuk8w6wy7Tmr-c_yk7qg~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C8f98db44f6ce4e50326708da73d3046f%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637949647404083736%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=2TzB0hyUKQ%2F0f3KQg9VZBWDKHOtXoO2KmmuFU29HqQs%3D&reserved=0" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=MeC8QxJuhwRCEA0ehYI4nA~~&pe=9oaoD5nbnWG3H-WtcnsDz0j-R-O6fug-1gn_cUFghAGJ2lSJc4v8CWqZ2e5ElwvbqlUi3Pj2S_41YZ3T-zmzlw~~&t=x4Iuk8w6wy7Tmr-c_yk7qg~~" shash="qVQrQ7VqAbqlTJ6slhYZeDC16AWnx/4m1Y8ZJu0K401vd2rY/oIeAGTie+GH4QXHbcUwj4E+JrrOu1SEty7P2t/XySL3xivWNv4hgd28Jz7V6z5Sgp/mQo/9R2fVOW8HE/hiqVL6HWNQKNpQFlEPU4DW3i9+BuZnIAWjb9b695o=">You Dropped a Bomb on Me - by The Gap Band</a>
Boom
The Fed raised the Fed Funds Rate in back-to-back meetings by .75% or more for the first time since 1980 when Magic Johnson guided the Lakers to an NBA Championship as a rookie.
This rate hike has no effect on home loan rates. Or does it? The Fed raised rates by 1.50% in the last 45 days and the 10-yr Note yield has declined from 3.49% to 2.75% in the same time frame. Why?
Fed rate hikes are intended to cool inflation, slow economic growth and slow down the labor market. If inflation cools, the economy slows, and the unemployment rate ticks up...long-term rates move lower.
Recession or No Recession
In his press conference, the Fed Chair was asked about whether our economy was in a recession and Mr. Powell said he didn't believe the US economy was in or near a recession. He cited the resiliency of the labor market as the reason why the economy was not in a recession. He did reiterate it was not the Fed's job to define a recession.
The classic definition of a recession is two consecutive quarters of negative growth. It will take a couple more months and revised reports before we see whether we have two back-to-back quarters of negative growth. In the same press conference, Powell did say the "slowdown in Q2 was notable".
Data Dependent
The Fed said that the size and scope of future rate hikes will be based on the incoming data. If inflation remains high, we could and should expect an "unusually" large rate hike especially if the labor market remains as strong as the Fed Chair noted.
Uncertainty and Volatility Ahead
There was nothing in the Fed Statement or Press Conference which should suggest higher home loan rates ahead. Watching how the Treasury Market is performing, its clear long-term rates do not see inflation as the long-term problem and the recent yield curve inversion in the 2-yr Note suggests we are in a recession, despite the Fed Chair saying otherwise.
Bottom line: Home loan rates have appeared to make their peak back in mid-June. With more housing inventory coming to market, now is a great time to capture the home of your dreams with prices and rates off the highest levels of late.
Looking Ahead
This week we will find out the strength of the labor market. Until now, there are literally 2 jobs open for every one person to fill them - that's tight and that is what the Fed wants to cool off. Jobs buy homes so this continued strong labor market is important for the Fed to protect.
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Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices are what determine home loan rates The chart below is a one-year view of the Fannie Mae 30-year 4.5% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
You can see the right side of the chart; prices fell to new 2022 price lows - meaning 2022 rate highs but bounced sharply higher after the big Fed rate hike in mid-June and then gave up some of those gains in response to the recent high inflation readings. It does appear the mid-June price lows will represent the rate peaks for 2022. A move above $101 would go a long way to creating another leg lower in interest rates.
Chart: Fannie Mae 30-Year 4.5% Coupon (Friday, July 29, 2022)
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Economic Calendar for the Week of August 1 - 5
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The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.<br /><br />As your mortgage professional, I am sending you the MMG WEEKLY because I am committed to keeping you updated on the economic events that impact interest rates and how they may affect you.<br /><br />Mortgage Market Guide, LLC is the copyright owner or licensee of the content and/or information in this email, unless otherwise indicated. Mortgage Market Guide, LLC does not grant to you a license to any content, features or materials in this email. You may not distribute, download, or save a copy of any of the content or screens except as otherwise provided in our Terms and Conditions of Membership, for any purpose.
2022-08-01T11:30:00-07:002022-08-02T11:36:22-07:00Admin HIOtag:housesinomaha.com,2012-09-20:21179Mortgage Market Guide Update -7/18/2022
A Look Into the Markets
This past week we experienced a couple of soaring inflation numbers which has injected new uncertainty surrounding inflation peaks, Fed rate hikes and the likelihood of a recession. Let's discuss what happened and what to watch for in the coming weeks.
"I'm your pain – You know it's sad but true" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3Dnx0OYXi3rsRzc8e3b9BFKg~~%26pe%3D9B9vdno2IRIqftZBN3oFcYTC5MEu-x4P5KAB682NnkrY6A5GEtS2HQbf8EAe8SGqq842tJGDFSYtHKVCyCQ4Ew~~%26t%3Dat9ubT0U8XJbn28N2VII2g~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C4757df8cbef74b3e7c0a08da67940d39%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637936182826791579%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=%2BBOeDyRrYbt%2B4DfXbE%2FQXmmDKLzIzLhNZU52rhTc7j8%3D&reserved=0" originalsrc="https://benchmark.mmsend.com/link.cfm?r=nx0OYXi3rsRzc8e3b9BFKg~~&pe=9B9vdno2IRIqftZBN3oFcYTC5MEu-x4P5KAB682NnkrY6A5GEtS2HQbf8EAe8SGqq842tJGDFSYtHKVCyCQ4Ew~~&t=at9ubT0U8XJbn28N2VII2g~~" shash="fsN2jJefzL9y0en98i9QdfCfj8OZntxmElbKcGVnH58+uuS9ka+dS5il4YbFyvb3rj8crZ8lRtHz19KLol36bWapI3EFvicn/qvnviVXH8a/AR7s8R/84vLV6XV2ZyHtCqB48JfdVIe209ABFjRfXLLxYf4bPH+aGEj5p+x4FyE=" target="_blank">Sad But True by Metallica</a>
Consumer Prices Soaring
The headline Consumer Price Index (CPI) for June showed prices climbed a scorching 9.1% year over year. Headline inflation includes both food and energy. When you take out food and energy costs, Core CPI came in at 5.9% year over year. Both numbers were well above expectations and put into question whether inflation has peaked.
The Federal Reserve wants core inflation to run at 2 to 2.5% in the long run, so 5.9% is more than double the Fed's comfort zone.
How does the Fed lower inflation? They hike the Fed Funds Rate and shrink their balance sheet, which slows demand and removes liquidity in the financial system.
The problem? A sizable portion of our inflation is energy based which seeps through the entire food and supply chain through shipping and manufacturing plants. Fed rate hikes do not lower oil prices. There are only two ways to lower oil prices:
More supply
Recession fears, which means less demand
Recession Signals Emerge
It's important to remember that the Fed controls short term rates, and the Treasury market controls the Fed. Short term rates have nudged higher but longer-term rates like the 10-year yield and home loan rates have not gone up nearly as much. This despite the likelihood of more Fed rate hikes ahead.
In response to the high CPI print, the chance of a full 1.00% rate hike at the July meeting stands at 85%. As a result, the 2-year yield soared to 3.25% and the 10-year moved up to 2.99%. The 25+ basis point yield curve inversion, where the 2-year yield is 25bp higher than the 10-year, is the widest since the spring of 2000...right before a recession.
Back in June, JPMorgan CEO, Jamie Dimon told the world to "brace for an economic hurricane" as some rough conditions were on the horizon. The firm reported quarterly earnings this week and it missed both revenue and earnings forecasts. This miss has elevated fears that more corporations are going to miss earnings which caused stocks to decline sharply on Thursday with some of the money finding the U.S. bond market.
Besides rates likely peaking because of a recession or near recession, there is some more good news.
Oil prices collapse
There are two ways for energy prices to move lower:
More supply
Less demand, by way of recession fears
We are watching the latter take place as heightened recession fears have pushed oil to $92 a barrel, the lowest levels since February.
Should oil move lower still, we should expect headline inflation to move lower in the months ahead which would be a welcome sign.
Bottom line: Long-term rates have stabilized but we should not expect much more improvement until inflation moderates further. With that said, if you are interested in purchasing a home, it remains a great time with rates well beneath the rate of inflation.
Looking Ahead
Next week brings some housing data. These reports could further confirm whether the economy is at or near a recession. The Fed wanted to remove some froth from the housing market by talking up rates. It appears to have been successful in that endeavor. There will be limited Fed speak as we approach the quiet period, one week before the next Fed Meeting on July 27th.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices are what determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 4.5% coupon, where currently closed loans are being packaged. As prices push higher, rates move lower and vice versa.
You can see the right side of the chart; prices fell to new 2022 price lows, meaning 2022 rate highs but bounced sharply higher after the big Fed rate hike in mid-June and then gave up some of those gains in response to the recent high inflation readings. It does appear the mid-June price lows will represent the rate peaks for 2022.
Chart: Fannie Mae 30-Year 4.5% Coupon (Friday, July 15, 2022)
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Economic Calendar for the Week of July 18 - 22
2022-07-18T09:02:00-07:002022-07-21T09:04:33-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:21178Mortgage Market Guide Monday 7/02/2022
A Look Into the Markets
The Fourth of July, Independence Day or July 4th was first recognized as a federal holiday in June of 1870, but the tradition of the 4th celebrations dates back to the 18th century and the American Revolution. On July 2nd, 1776, the Continental Congress voted in favor of independence, and two days later on the 4th of July, delegates from the 13 colonies adopted the Declaration of Independence, a historic document drafted by Thomas Jefferson. From 1776 to the present day, July 4th has been celebrated as the birth of American independence, with festivities ranging from fireworks, parades, and concerts to the good old-fashioned backyard barbecues.
"On beautiful, for spacious skies. For amber waves of grain" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3D7FJOKe0ODwRdHpdwNepAhQ~~%26pe%3DCX4YY22w_5LdbnnNz5049Pwhz002OmmtZ4vnwjQgMNnJwJzueaOBKnDS2xINeZgfwABY41XoBfhz9vvVK-n4vw~~%26t%3D0GVmTCpRH91JAuz6RNqp6Q~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C4a79535f59234034e58f08da5ead9120%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637926396840894128%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=pCrzyi8cr0ONCrJGOvxfhRHZi79un3MKeDb2Tgnw13M%3D&reserved=0" originalsrc="https://benchmark.mmsend.com/link.cfm?r=7FJOKe0ODwRdHpdwNepAhQ~~&pe=CX4YY22w_5LdbnnNz5049Pwhz002OmmtZ4vnwjQgMNnJwJzueaOBKnDS2xINeZgfwABY41XoBfhz9vvVK-n4vw~~&t=0GVmTCpRH91JAuz6RNqp6Q~~" shash="dygwAuFHnIOEPtXx6EdUSgegq27eJg9j71dvxULZZYmLDEMgMQwf26XXUykMrgwh81IBvnSRE34BbHiEhJouQJa+0nayUMZ1+QxQx7UMi8ORk+mzAKJCl3n3yWgYcR4erx2ldPQigwUrpE+JfzraQS8UgTEvJZwK4BtWOiuE3Vg=" target="_blank">America the Beautiful by Ray Charles.</a>
This past week, some weak economic signals sparked increasing fears of a recession. Let's walk through what happened and look ahead to next week.
"While the Present Situation Index was relatively unchanged, the Expectations Index continued its recent downward trajectory - falling to its lowest point in nearly a decade. Consumers' grimmer outlook was driven by increasing concerns about inflation, in particular rising gas and food prices. Expectations have now fallen well below a reading of 80, suggesting weaker growth in the second half of 2022 as well as growing risk of recession by year end." The Conference Board's Consumer Confidence Report.
This reading is important because if pessimism begins to negatively affect consumer spending, the chance of a recession will rise sharply as consumer spending makes up two-thirds of our economic growth.
On Tuesday, the third and final reading of 1st Quarter GDP showed the economy shrank by 1.6%, worse than expectations of -1.5%. A recession is defined by two quarters of negative growth. The 2nd quarter is forecasted to barely grow, which means we will be in or close to a recession in the 1st half of 2022.
The silver lining about all this recession talk? It will put a limit to how high rates go. We are two weeks past the 3.49% peak in rates which ironically happened when the Fed raised the Fed Funds rate by .75%.
Bottom line: Long-term rates have stabilized but we should not expect much more improvement until inflation moderates further. With that said, if you are interested in purchasing a home, it remains a great time with rates beneath the rate of inflation.
Looking Ahead
Next week we will receive important employment readings by way of the ADP Report and Jobs Report. The Fed wants to slow down the labor market and we have already seen layoff announcements in corporate America, so we will see if that is reflected in this week's figures.
<br />
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices are what determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 4.5% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
You can see the right side of the chart; prices fell to new 2022 price lows, meaning 2022 rate highs but bounced sharply higher after the big Fed rate hike two weeks ago. Time will tell whether we just witnessed the MBS price bottom and mortgage rate peak for 2022.
Chart: Fannie Mae 30-Year 4.5% Coupon (Friday, July 2, 2022)
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Economic Calendar for the Week of July 4 - 8
The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.
2022-07-04T08:58:00-07:002022-07-21T09:02:01-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:20717Mortgage Market Guide Monday- 6/20/22
A Look Into the Markets
This past week, the Federal Reserve raised the Federal Funds Rate by .75%, the first such hike since 1994. Let's walk through what the Fed said and how the financial markets reacted heading into the weekend.
"You dropped a bomb on me. Baby, you dropped a bomb on me" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3DX7-ASTEpDNdIKW0KxkswEA~~%26pe%3DX4RKQOVH1G_CL_EiQG_XjwLJ275BhxsDvgDtKfjUbU8Fh0wAZUMAJgHQFoMrIPB1w-8MvNscxankg4-_yd2nxw~~%26t%3DaNFGajVr7-eSpEWQEGkNQw~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7Cb90d80a87ffe49691cbe08da52cf4005%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637913347723472412%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000%7C%7C%7C&sdata=2GS1Leg0SWwfk9Hkq0Nz2tVWI3F3AoNq9EjNKhLI9d0%3D&reserved=0" originalsrc="https://benchmark.mmsend.com/link.cfm?r=X7-ASTEpDNdIKW0KxkswEA~~&pe=X4RKQOVH1G_CL_EiQG_XjwLJ275BhxsDvgDtKfjUbU8Fh0wAZUMAJgHQFoMrIPB1w-8MvNscxankg4-_yd2nxw~~&t=aNFGajVr7-eSpEWQEGkNQw~~" shash="el0WRxmP1HSuNJEmhAHacs1lrgO53RvL+xps99g1QuVXpzIXmr8SgJCkN0mcT0jrRGfjgAd3VVgL2tvE+T0DPZNvthgSQIh2dYNrhz4Zkq6yesNWF4exAk90NiL1BnzxDQCPL8YdsakkLUDiT+adgesMvSy89TRh5X6ZuAhHbvQ=" target="_blank">You Dropped a Bomb on Me by The Gap Band</a>
"Clearly, today's 75 basis point increase is an unusually large one and I do not expect moves of this size to be common," Federal Reserve Chair Jerome Powell.
The largest rate hike in 28 years comes on the heels of the recent Consumer Price Index report, which showed a surprising spike higher in inflation. Up until that reading, the Fed Chair had led the markets to believe the Fed would only raise rates by .50%. However, true to his word, he said the Fed would "be nimble" and respond to the incoming data.
In addition to the rate hike, the Federal Reserve released their updated forecasts on the economy. They raised their expectations on inflation almost a full point from 4.3% to 5.2%. And they lowered their economic growth forecast from 2.8% to 1.7%. Lastly, they raised their forecast for the Federal Funds Rate from 1.9% to 3.4%. On the heels of Wednesday's rate hike the Fed Fund Rate is now in a range of 1.50 to 1.75% so the markets are currently expecting about an increase of 1.75% to the Fed Funds rate between now and year-end.
As of this moment, the Fed sees the economy slowing, prices remaining high, and they will be raising rates even higher to help lower inflation.
"I think events of the last few months have raised the degree of difficulty, created great challenges, and there's a much bigger chance now that it will depend on factors that we don't control." Federal Reserve Chair Jerome Powell.
This quote highlights the challenge of the Fed. Can they administer a soft or as Powell says a "soft-ish" landing and avoid an economic recession after hiking rates further?
When Powell says it depends on factors they can't control, he means energy prices. Powell said, "we have no effect on energy prices". This makes things harder for the Fed because energy prices are the major contributor to inflation and increasing rates will not have an impact.
It's important to remember that Fed rate hikes have zero correlation with mortgage rates. It may seem contrarian, but rate hikes are intended to slow demand and lower inflation, which is good for long-term rates as it protects their value over time.
Back to the Future
In 1994, Fed Chair Greenspan raised rates by .75% and at that very moment, long-term rates like mortgages peaked. We will find out if history repeats itself upon Powell's .75% rate hike this past Wednesday.
For the foreseeable future, expect continued market volatility and uncertainty as we watch to see if inflation peaks and how much the Fed will hike rates – all while avoiding a recession.
Bottom line: As we watch to see if long-term rates peak due to the more hawkish Fed and .75% rate hike, an incredible opportunity remains in housing. Home loan rates remain beneath the current rate of inflation which is something that has not happened in nearly 50-years.
Looking Ahead
Next week we will get a reading on Consumer Sentiment. It currently stands at a historic low as folks have concerns on inflation and the direction of the economy. If the consumer pulls back on spending due to higher energy prices and overall concerns, it will elevate the fears of recession as consumer spending is nearly two-thirds of our economic growth.
<br />
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices are what determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 4.5% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
You can see the right side of the chart where prices fell to new 2022 price lows - meaning 2022 rate highs. We shall find out if these are the price bottoms/rate peaks after the Fed's tough action this past week.
Chart: Fannie Mae 30-Year 4.0% Coupon (Friday, June 17, 2022)
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Economic Calendar for the Week of June 20 - 24
The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.
2022-06-20T18:40:00-07:002022-06-20T18:43:23-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:20587Mortgage Market Guide Monday 6/13/2022
<br />
A Look Into the Markets
This past week, home loan rates increased slightly from the previous week as we are just a couple of days away before the next Fed Meeting. Let's walk through what happened and discuss what to look for in the week ahead.
"Money...It's a Gas...Grab that cash with both hands and make a stash" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3D22LGgFCI6URHqAeHvzrcpw~~%26pe%3DLi_JukKZpbtoQO0x_dd2QuwoYkAPj09ifpXeC7ovK5_ZNPmVTM4r9vyH0RVgExTnTTapiIGtHwgwCv26Ma6SxA~~%26t%3DVTEm5Gl7lrQ1WcBQU4r92w~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C0e77b42012e7433a79cb08da4d494fc5%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637907274993350697%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000%7C%7C%7C&sdata=rZn%2Fj%2BNRC2W2%2BVeGQpnfa1%2BWv9sZYZVLHSl6NrI7%2FhQ%3D&reserved=0" originalsrc="https://benchmark.mmsend.com/link.cfm?r=22LGgFCI6URHqAeHvzrcpw~~&pe=Li_JukKZpbtoQO0x_dd2QuwoYkAPj09ifpXeC7ovK5_ZNPmVTM4r9vyH0RVgExTnTTapiIGtHwgwCv26Ma6SxA~~&t=VTEm5Gl7lrQ1WcBQU4r92w~~" shash="gK94BIoi4C9gVvo8meLsHZ/oosIUpe8qsymuA+km6Me82wDUMCWMvsFBTYC57LBAK8LrOqa52Ar+bi6BsV2BDuKo1i3X0XLXsFo267r4bDhgm6FRdM/lb32EfUk9Y4Uwu0mAjzNKZBTvC2H4h7xeDdbbWCCMm7bz7pjqMN9y33I=" target="_blank">Money by Pink Floyd</a>
As we approach the highly anticipated Fed Meeting next Wednesday, June 15th, their job is growing increasingly tough as the economy slows while inflation remains elevated. Here are three new issues that make the Fed's desire to hike rates expeditiously, very tough.
1. Personal Savings Rate Falling Fast
The Personal Savings Rate, the amount of disposable income people save, was only 4.4% in April, the lowest since the Great Recession in 2008. A low savings rate is a concern because our economic growth depends on consumer spending.
If the consumer retreats and slows spending, it could cause a recession as consumer spending makes up two-thirds of our Gross Domestic Product (GDP). There are many reasons for the personal savings rate declining. Likely the largest reason is inflation. Headline inflation, which contains food and energy costs, is running at over 8% annually and this is weighing on the ability to save.
Another reason for the decline is the desire for many to go out and spend money in a post-Covid world. The first half of the year saw many people spend on leisure and hospitality, which also weighs on the ability to save money.
As it relates to the Fed, they are looking to hike rates to slow demand and get it more in balance with supply, which then lowers prices/inflation. However, if the savings rate remains low or declines further, consumer spending and demand will slow, and inflation will come down on its own. The Fed will need to watch how these numbers look in the months ahead as it determines if and how much to raise rates.
2. Consumer Debt on The Rise
If you see the savings rate decline as consumers continue to spend, it's reasonable to think credit card debt is also on the rise and it is. On Wednesday, it was reported that revolving credit card debt rose by $17.8B, the second-fastest pace on record.
Moreover, total revolving consumer credit has risen back over $1T to pre-pandemic levels. Why is this a concern? Credit card debt is directly tied to Fed rate hike activity. So, this enormous increase in credit card debt is coming at a time when the Fed is supposed to hike rates, making this debt cost consumers even more.
If you couple the personal savings rate declining with debt rising, it is easy to see why the Fed is in a tough spot trying to hike rates. If the Fed does too much when the consumer is already cutting back, it will elevate recession fears even further.
3. Energy Prices Elevated
Oil is trading at over $120 a barrel, more than doubling in the last 18 months. This has lifted the national average gas prices to nearly $5 a gallon. Moreover, diesel prices remain at all-time highs. This sustained rise in energy is making the cost of daily essentials excessively high and is already starting to have a negative impact on consumer spending. Target recently reported that larger items like televisions and exercise equipment are sitting on the shelves as consumers spend more money to bring home daily essentials.
Elevated energy prices are another problem for the Fed. The Fed has never hiked rates with oil above $100 a barrel. If high oil prices are already forcing the consumer to make other choices and slow spending, then hiking rates would only make that problem worse. As it relates to inflation, Fed rate hikes will not lower energy prices either.
One could argue that high energy costs are doing the job of the Fed...slowing demand and taking money out of the economy.
Bottom line: These themes above will limit how high long-term rates, like mortgages, can go. In fact, prices have been moving sideways over the last 60 days, suggesting that a bottom is in place. What happens next week at the Fed Meeting may very well cement which side of 3.00% the 10-yr Note will reside.
Looking Ahead
The main event is the Fed Meeting and Monetary Policy Statement on Wednesday, June 15th at 2 pm ET. There is growing sentiment the Fed will pivot and acknowledge that the economy is slowing, and aggressive rate hikes may not be prudent. What they do and say could have a big impact on stocks and bonds...stay tuned.
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices are what determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 4.00% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower, and vice versa.
You can see the right side of the chart, the rounding pattern. This highlights the wide and volatile sideways movement we have experienced in MBS prices and rates.
Chart: Fannie Mae 30-Year 4.0% Coupon (Friday, June 10, 2022)
<br /><br />
Economic Calendar for the Week of June 13 - 17
The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.
2022-06-13T12:34:00-07:002022-06-13T12:39:28-07:00Admin HIOtag:housesinomaha.com,2012-09-20:20424Mortgage Market Guide Monday-6/06/2022
A Look Into the Markets
Home loan rates increased slightly from the previous week as we are just a couple of weeks before the next Fed meeting. Let's walk through what happened and discuss what to look for in the week ahead.
"It's been a hard day's night. And I've been working like a dog" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3DEsAD1UqfIDRHfdUlVsde9g~~%26pe%3DL7Pzz9xURu7jzw7Wd4ilfxHdqEXTlZugCfVhV_pwMgyZPwcxejcSt-3n64V8bvqVQ5tUDUp11I05K4EIjuXDDA~~%26t%3DwG-TfTs6BG30132D1Zhv4g~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7Cedc7664bcd85495a697f08da47cfa350%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637901254383783326%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=svYcCVdm%2F8ShGGkkXeTiukPvjTmRhGM0NjJ6W1le5M4%3D&reserved=0" originalsrc="https://benchmark.mmsend.com/link.cfm?r=EsAD1UqfIDRHfdUlVsde9g~~&pe=L7Pzz9xURu7jzw7Wd4ilfxHdqEXTlZugCfVhV_pwMgyZPwcxejcSt-3n64V8bvqVQ5tUDUp11I05K4EIjuXDDA~~&t=wG-TfTs6BG30132D1Zhv4g~~" shash="dPur83eNkkaVIM+mqXRY83eUnU7szIR8OKUsBU+nOX2zxY04EvTt0raLm65OqQ/n5WoTv6vYNDsS0Q5SdqvNZSfAtT6olEemyATTVT+VIsgC0l49Lo4EMyRh1pMgipvHZG0WWEZzv/JlGTN0R7t/lpyK83JMeGkcDvrIDgDNuYo=" target="_blank">A Hard Day's Night by The Beatles</a>
"As I will explain, this very tight labor market has implications for inflation and the Fed's plans for reducing inflation." Fed Governor, Christopher Waller.
The Labor Market is Starting to Show Signs of Weakness
Promoting maximum employment is the second part of the Fed's dual mandate. The other part is maintaining price stability or inflation. The Fed has been saying the labor market is extremely tight and they want to see it cool off some. By cooling the labor market a bit, the Fed expects consumer demand to slow and prices to come down. As you can see this is a difficult situation to manage and why the fears of recession have risen sharply of late.
In the last couple of weeks, we have seen signs that the labor market is starting to cool. Many tech firms like Snapchat and Netflix said they over-hired and have cut jobs. The Initial Jobless Claims report, a leading indicator of the health of the labor market, has been showing weekly increases in people seeking unemployment benefits. Lastly, on Thursday, the ADP Report, a reading on private job creation, came in at the lowest levels in 2 years.
We shall see what the Fed says about the labor market on June 15th, when they release their Monetary Policy statement...and we are going to find out what they are going to do about it. Currently, the financial markets are expecting the Fed Funds Rate to rise by 1.75% or so from the current .75% level.
Fed Backtracks Underway
Up until recently, the Fed has been speaking very hawkish about their need to increase rates "expeditiously". This jawboning measure has had an impact on the economy and many rates, like mortgages which have already increased expeditiously.
Add this to Core inflation being tamer the past couple of months and the recent weaker labor market news – and its giving rise to the recent Fed speak to be less hawkish or tough on future rate hikes.
We shall find out what the Fed will say on June 15th, but we are continually reminded of how they said they would be "nimble" and react to the incoming data.
They may need to be nimble as they do not want to over hike rates and attempt to shrink the balance sheet if the economy is slowing, otherwise, the Fed's action could tip the US into a recession.
Bottoming out Process is Not Pretty
Home loan rates have moved sharply in both directions in the last 2 months as mortgage-backed security prices attempt to find a price bottom/rate peak.
The good news? Currently, MBS prices are exactly at the same levels they were in mid-April. So, while rates moved higher one month ago, they are attempting to settle at the best levels in 45 days.
Bottoming out processes in financial markets are never pretty and we should expect more volatility ahead. But...it is starting to appear like we may have made a peak in rates over the last 30 days. The incoming data, along with fiscal and Fed policy will determine so.
Bottom line: If you or someone you know are considering a mortgage, now is a great time. Rates have improved slightly but any improvement from here may be modest as inflation remains very high.
Looking ahead
Next week's economic calendar is light, but it does include the high impact Consumer Price Index. Should this inflation reading come in soft, it could help rates further and may help the Fed to continue talking less tough about future rate hikes. Speaking of the Fed, next week will begin the "quiet period" where no Fed members are speaking or offering thoughts on Monetary Policy...which should help avoid added market volatility.
<br />
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices are what determine home loan rates. The chart below is a one-year view of the Fannie Mae 30-year 4.00% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower, and vice versa.
You can see the right side of the chart, the rounding pattern. This highlights the wide and volatile sideways movement we have experienced in MBS prices and rates.
Chart: Fannie Mae 30-Year 4.0% Coupon (Friday, June 3, 2022)
<br /><br />
Economic Calendar for the Week of June 6 - 10
The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.
2022-06-06T08:25:00-07:002022-06-20T18:43:46-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:20260Mortgage Market Guide Monday-5/23/2022
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" 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This past week, home loan rates improved slightly in response to growing fears of a recession. Let's walk through what happened and discuss what to look for in the week ahead.
"I get a check on Friday, but it's already spent." - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fopen.spotify.com%2Ftrack%2F3gkH5q7qT0Ex08kua0KgrN&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7Cf9fc33a786e2465a268608da3cfcf4ae%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637889354399117283%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=pwq8y5wGmxwLmlxMg%2Bex3vb5i%2FqaXvhjL7NFRKhdniE%3D&reserved=0" target="_blank" rel="noopener noreferrer" data-auth="Verified" originalsrc="https://open.spotify.com/track/3gkH5q7qT0Ex08kua0KgrN" shash="Lfy/uy6oiv428+DGuNG11NfxFlGf1hnkrcv+Ki8XMd30iC1leg41Lv5X6iYJ8KvPLGgslxm/bDjSPbdtE9VCglW2oU73vtQtlhuKCf81/7zC5PVLRhoVx2zyyGlEHQ9U/UznD4jvXMeW/dYDegNXnihcSgdOqBkLbRysdmnsHKo=" title="Original URL: https://open.spotify.com/track/3gkH5q7qT0Ex08kua0KgrN. Click or tap if you trust this link." data-linkindex="0">Workin' for a Livin' by Huey Lewis and The News</a>
"What we need to see is inflation coming down in a clear and convincing way, and we're going to keep pushing until we see that." Fed Chair Jerome Powell May 17, 2022.
The Consumer is Still Spending
On Monday, Retail Sales for April came in better than expectations, showing the consumer remains a bright spot in the U.S. economy. Despite soaring energy prices, consumers spent on automobiles, restaurants, and travel.
Consumer spending makes up nearly 70% of our Gross Domestic Product (GDP), so we need to see the consumer continue to spend if we want our economy to expand. A tight labor market should help the consumer continue to drive economic growth for now.
Single-Family Housing Starts are Stalling
The National Association of Home Builders reported new single-family house construction stalled in April in response to "weaker confidence in the single-family market, as rising mortgage rates and building material construction costs are driving more potential buyers out of the market," per Jerry Konter, chairman of the National Association of Home Builders (NAHB).
Overall Housing Starts for April remain steady, thanks to a surge in multi-family dwellings. It's clear that demand for housing remains strong and the current tight labor market should continue to drive this demand, despite the uptick in rates.
Target Misses Target
"We faced unexpectedly high costs, driven by a number of factors, resulting in profitability that came in well below our expectations, and well below where we expect to operate over time," said Target CEO Brian Cornell.
Soaring diesel costs and lingering supply chain issues were the main drivers cutting their profit margins. Cornell also shared that Target shoppers are concerned about 'the high and persistent inflation they've been experiencing, particularly in food and energy.'
Shoppers continued to buy daily essentials, but as prices increase, consumers aren't splurging on bigger-ticket items. This reflects how inflation works, if consumers are paying too much on energy and food, they will not spend money on other items.
In Comes Recession Fears
As mentioned earlier, if consumer spending slows, GDP will decline and if we endure back-to-back negative growth quarters of GDP...that would meet the textbook definition of a recession.
Stocks did not like the reports from Target and other retailers like Best Buy and Walmart and sold off sharply. Also pushing stocks lower is the idea the Fed will hike rates too much and push the economy into a recession, in order to lower inflation pressures.
The selling pressure on stocks came to the benefit of rates as the 10-year yield moved from 3.00% to 2.78% between Wednesday and Thursday.
Bottom line: Home loan rates are showing signs of peaking with rates hovering near current levels over the last month. Uncertainty and volatility around inflation, the Fed, and economic growth will continue to push rates and stocks around. If you are considering a purchase transaction, now is a great time to lock.
Looking Ahead
Next week's economic calendar brings the Fed's favored gauge of inflation, the Core Personal Consumption Expenditure (PCE) Index. This will be a very important reading as it is the last PCE report before the Fed's next meeting on June 15th, where it is widely expected they raise the Fed Fund Rate by .50% to a range of 1.25 to 1.50%. Speaking of the Fed, we will see the Fed Minutes from the May 4th Fed Meeting. History has shown the Fed Minutes could be a market mover.
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Mortgage-backed security (MBS) prices are what determine home loan rates. The chart below is a five-year view of the Fannie Mae 30-year 4.00% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
You can see on the right side of the chart, that MBS fell beneath support at price lows last seen in 2018, thereby making a fresh 11-year price low.
With the 10-year yield pulling back from 2018 highs, MBS improving from the May lows, and the aforementioned long-term 10-year trend in place, we may very well be nearing the peak in rates.
Chart: Fannie Mae 4.0% Mortgage Bond (Friday May 20, 2022)
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" border="0" width="600" height="419" id="x_Picture_x0020_7" alt="Japanese Candlestick Chart" crossorigin="use-credentials" class="ADIae" />
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Economic Calendar for the Week of May 23 - May 27
Date
ET
Economic Report
For
Estimate
Actual
Prior
Impact
Tue. May 24
10:00
New Home Sales
Apr
758K
763K
Moderate
Wed. May 25
08:30
Durable Goods Orders
Apr
0.5%
0.8%
Moderate
Wed. May 25
02:00
FOMC Minutes
May
NA
NA
HIGH
Thu. May 26
08:30
Gross Domestic Product (GDP)
Q1
-1.4%
-1.4%
HIGH
Thu. May 26
08:30
GDP Chain Deflator
Q1
6.9%
8.0%
HIGH
Thu. May 26
10:00
Pending Home Sales
Apr
-1.6%
-1.2%
Moderate
Fri. May 27
08:30
Personal Income
Apr
0.6%
0.5%
Moderate
Fri. May 27
08:30
Personal Spending
Apr
0.7%
1.1%
Moderate
Fri. May 27
08:30
Personal Consumption Expenditures and Core PCE
Apr
0.3%
0.3%
HIGH
Fri. May 27
08:30
Personal Consumption Expenditures and Core PCE
YOY
5.3%
5.2%
HIGH
Fri. May 27
10:00
Consumer Sentiment Index (UoM)
May
59.1
59.1
Moderate
The material contained in this newsletter is provided by a third party to real estate, financial services and other professionals only for their use and the use of their clients. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, we do not make any representations as to its accuracy or completeness and as a result, there is no guarantee it is without errors.
2022-05-24T07:51:00-07:002022-05-24T08:00:30-07:00Admin HIOtag:housesinomaha.com,2012-09-20:20031Mortgage Market Guide Mondays- 5/9/2022
A Look Into the Markets
<img data-imagetype="External" blockedimagesrc="https://vip.vantageproduction2.com/Share/Content/5085970/top-image-050622.jpg" width="260" height="180" align="right" />This past week, the Federal Reserve hiked the Fed Fund Rate by .50%, the largest rate increase in 22 years. Let's discuss what other action the Fed took, how the market reacted and what to look for in the week ahead.
"And this is what I should have said. Well, I thought it, but I kept it hid" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3DgiCZ9zUh4rETeGAz-nWyig~~%26pe%3DHbv1k0Wr78W0_C38SmjydshxNn26VxDREFRg4ST11lp5aYyumNhSjhGZhBUX0i6GNvxDtVDtL46s5rjvSXhgpQ~~%26t%3D0TUCmZ1bJduP2V_wlC8JBw~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C36b2fc4938f6468b8a6108da31c5912c%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637877021879534145%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=mdssTZ1tz4W3Lk9I0qJeTXox2RN%2BgaZQMAGPzoNARHY%3D&reserved=0" target="_blank" rel="noopener noreferrer" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=giCZ9zUh4rETeGAz-nWyig~~&pe=Hbv1k0Wr78W0_C38SmjydshxNn26VxDREFRg4ST11lp5aYyumNhSjhGZhBUX0i6GNvxDtVDtL46s5rjvSXhgpQ~~&t=0TUCmZ1bJduP2V_wlC8JBw~~" shash="G47i59rHyTy2LGsK7KCBBBF+SMR0BMRdPkw92iaKlUkEBAREJm497SjtNyPma5VuPqSzKo5r3Zwn9FatuFnrlVpOeSDNaWlLdaPXJtHi0oL4jgUF1R7b+LIDFqPqpAv+lQoiU00K9rwezjYGTMUILl9TkJNbz0Sbfrk189QZgtw=" title="Original URL: https://benchmark.mmsend.com/link.cfm?r=giCZ9zUh4rETeGAz-nWyig~~&pe=Hbv1k0Wr78W0_C38SmjydshxNn26VxDREFRg4ST11lp5aYyumNhSjhGZhBUX0i6GNvxDtVDtL46s5rjvSXhgpQ~~&t=0TUCmZ1bJduP2V_wlC8JBw~~. Click or tap if you trust this link." data-linkindex="4">Cold Heart (PNAU Remix) Elton John and Dua Lipa</a>.
"I would like to first speak to the American people. Inflation is much too high, and the Fed understands the hardship and is moving expeditiously to bring down inflation." Fed Chair Jerome Powell - May 4, 2022.
How does the Fed move to bring down inflation? Raise rates and tighten monetary conditions. And this started on Wednesday when the Fed raised the Fed Funds rate by .50%. In a separate measure, the Fed will also begin shrinking its enormous $9T balance sheet of Treasuries and mortgage-backed securities (MBS).
It is important to remember that this hike in Fed Funds Rate has no direct effect on home loan rates. Oddly enough, the measures the Fed is taking to lower inflation help preserve the value of long-term bonds like MBS. If the Fed is successful in bringing down inflation, it will help long-term bond prices improve and long-term rates remain relatively stable.
The lift to the Fed Funds Rate will immediately impact all short-term loans, like auto loans, credit card debt, and home equity lines of credit. Increasing these rates is expected to slow consumer demand, which in effect will slow price increases.
Powell gave the market comfort when he said there was "a good chance to have a soft landing". Meaning the Fed can continue to raise rates more and slow demand without pushing the economy into a recession.
How much more will the Fed hike rates? The Fed Chair signaled they are likely to raise rates by another .50% in both June and July. Of course, making these moves will depend on the incoming data. This means we should continue to expect high-interest rate volatility around key economic reports like inflation, GDP, and the labor market.
"Beginning on June 1, principal payments from securities held in the System Open Market Account will be reinvested to the extent that they exceed monthly caps." FOMC announcement on balance sheet reduction.
The balance sheet reduction announcement means the Fed will be buying fewer bonds going forward. This is the opposite of what the Fed did through Quantitative Easing where they purchased $120B worth of Treasuries and MBS every month. It is not yet truly clear what will happen to home loan rates once the process in June commences as the Federal Reserve has only once shrunk the balance sheet for a limited amount of time back in 2018.
"It's a strong economy and nothing about it suggests it's close to or vulnerable to a recession. We have a good chance to restore price stability (lower inflation) without a recession". Jerome Powell.
These words initially provided some comfort to both stocks and rates, but come Thursday, after sleeping on it, interest rates crept higher with MBS prices hitting 11-year lows and the 10-yr Note yield touching 3.09%.
Despite the Fed Chair saying the Fed is not considering a .75% rate hike, the markets finished the week assigning a very high probability the Fed will hike by .75% in June.
Bottom line: Home loan rates are at an important juncture. While MBS attempt to stabilize, there is a real threat they can go another leg higher and fast. If you are considering a purchase transaction, now is the time to lock.
Looking ahead
Next week brings a ton of headline risk. We are going to get an important consumer inflation reading via the Consumer Price Index. The Consumer Sentiment reading will also tell us how the consumer feels. If that were not all, we will once again get a bunch of Fed speakers who can move the markets.
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Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices are what determine home loan rates. The chart below is a five-year view of the Fannie Mae 30-year 4.00% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
You can see on the right side of the chart MBS fell beneath support at price lows last seen in 2018, thereby making a fresh 11-year price low. With the 10-yr moving above 3.00%, we may very well see rates follow the path of least resistance...higher.
Chart: Fannie Mae 30-Year 4.0% Coupon (Friday, May 6, 2022)
<img data-imagetype="External" blockedimagesrc="https://vip.vantageproduction2.com/Share/Content/5085970/middle-image-050622.jpg" border="0" width="620" height="422" id="x__x0000_i1027" />
<br aria-hidden="true" /><br aria-hidden="true" />
Economic Calendar for the Week of May 9 - 13
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2022-05-09T07:43:00-07:002022-05-09T07:46:47-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:20022What does building a Woodland Home look like from start to finish? Follow our home building journey! Video 2-Blue prints2022-05-06T14:06:00-07:002022-05-06T14:06:58-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:19848Mortgage Market Guide Mondays- 4/25/2022
A Look Into the Markets
<img data-imagetype="External" blockedimagesrc="https://vip.vantageproduction2.com/Share/Content/5085855/top-image-042222.jpg" width="260" height="173" align="right" />This past week, home loan rates touched the highest level in a decade as global bond yields were on the rise. Let's discuss some potentially positive signals for those looking for a rate peak as well as what to watch for next week.
"So, you got to let me know, Should I stay or should I go" <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3DYmIBUMDj4cXfPKDErcG0Kw~~%26pe%3DECwVzWIdKonMLopZuJdriw3rqrLzutF0rFQGEvO-yPbf81MzWUoYMmERG2AtR7jDH3T7vsEGNAzp1o1YTg9a0A~~%26t%3Dsfo_nnTdCdpbvuO0AbPwZA~~&data=05%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C413132d6bce54f7f66d208da26be8d15%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637864897109575861%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=I900FZHroEdASIe4M4JKlXIiIJ9qTzb%2BF5INnWjjUqo%3D&reserved=0" target="_blank" rel="noopener noreferrer" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=YmIBUMDj4cXfPKDErcG0Kw~~&pe=ECwVzWIdKonMLopZuJdriw3rqrLzutF0rFQGEvO-yPbf81MzWUoYMmERG2AtR7jDH3T7vsEGNAzp1o1YTg9a0A~~&t=sfo_nnTdCdpbvuO0AbPwZA~~" shash="zd34AQ00D02xMTDXyviaJxuijAXCI9uXo+x7XXMcCErCnxFZ0+6oRyYEC7+Q1P1y/gFLPGLJNcqJI8DwfdFwslp7fypzpgT96gkxO20D0NVq8yzI0/G2iRAKZdOdGbrxVsT2HL9wpAe+dhjWHqwv9JElOJC06xyuzo1aEK5KidU=" title="Original URL: https://benchmark.mmsend.com/link.cfm?r=YmIBUMDj4cXfPKDErcG0Kw~~&pe=ECwVzWIdKonMLopZuJdriw3rqrLzutF0rFQGEvO-yPbf81MzWUoYMmERG2AtR7jDH3T7vsEGNAzp1o1YTg9a0A~~&t=sfo_nnTdCdpbvuO0AbPwZA~~. Click or tap if you trust this link." data-linkindex="0">Should I Stay or Should I Go ... The Clash</a>
"Be greedy when others are fearful" – legendary investor, Warren Buffet.
The rate of change or the speed at which home loan rates have moved higher is historic. It has also elevated uncertainty and fear that rates will continue to skyrocket higher.
This past week, a New York Fed survey of renters believed mortgage rates will reach 8.23%...in three years. A dire forecast for rates that could only be achieved IF the economy is strong enough to sustain or absorb that sort of increase. Seeing that the housing market has stalled, to a degree, with home loan rates at 5.00%, it's probably highly unlikely we see rates move that high. This survey can be viewed as a potential contrarian indicator meaning...when so many people believe something will happen, the opposite generally happens.
Another potential contrarian indicator has emerged. U.S. bond outflows are surging. U.S. investors have sold or cashed in their mutual fund bond holdings at record levels in 2022. When retail investors or everyday people are all "fearful" and doing the same thing, like selling bonds, it often represents a sign the market is likely to turn, which in this case could mean a peak in rates could be upon us. Think about the psychology of everyone in the stock market with no fear – this is exactly the time when the stock market can turn lower. Hence, Buffet's other quote " Be fearful when others are greedy."
Gas tank, Food or Stranger Things
Netflix reported its first subscriber loss in more than a decade, when Wall Street was expecting the firm was to add users. The major reason for the stunning decline in users was soaring food and energy costs. The additional burden to put gas in the tank or food on the table has forced many to give up the service. The breaking news from Netflix is giving us early signs that consumers are feeling the pinch.
This brings into question, can the Fed hike rates aggressively as they have been saying? The Fed is in a unique position, because even if they raise rates, that will not help lower oil or energy prices, which is the main cause of inflation at this time.
Federal Reserve Getting Its Housing Wish
Last year, in front of Congress, Fed Chair Jerome Powell was pressured to stop buying mortgage-backed securities (MBS), to remove the "froth" out of the housing market. After the sharp increase in rates since November, we are starting to see signs of "froth" coming out of housing.
Redfin reported that 13% of online home listings lowered their price. This as Black Knight reported that affordability, as measured by mortgage payment versus monthly income, hit a 15-year low.
For affordability to improve, we need to see home price gains slow and for rates to remain at or beneath current levels.
Bottom line: Interest rates remain on the rise and the words of central bankers around the globe this week have added to the uncertainty and volatility. If you are considering a mortgage, now is an ideal time to lock as the path of least resistance for rates remains higher even though a peak could be near.
Looking ahead
Next week we get the Fed's favored gauge of consumer inflation...the Core Personal Expenditure (PCE) Index. If this reading on a month over month basis comes in cooler than expectations, we could see some rate relief. If not, then the opposite is true. We will also get a reading on the growth of our economy or Gross Domestic Product in the 1st Quarter of this year. We experienced a big slowdown from 2021 thanks to the Omicron variant in January, supply chain disruptions and the Russia/Ukraine war. How the economy grows factors into what the Fed will do going forward.
<br aria-hidden="true" />
Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices are what determine home loan rates. The chart below is a five-year view of the Fannie Mae 30-year 4.00% coupon, where current closed loans are being packaged. As prices rise, rates move lower and vice versa.
You can see on the right side of the chart that MBS are nearing support at price lows/rate peaks last seen in 2018. In looking for a peak in rates, those price bottoms would be an ideal spot. If the bond falls beneath that support, we will see yet another increase in home loan rates.
Chart: Fannie Mae 30-Year 4.0% Coupon (Friday, April 22, 2022)
<img data-imagetype="External" blockedimagesrc="https://vip.vantageproduction2.com/Share/Content/5085855/middle-image-042222.jpg" border="0" width="620" height="437" id="x__x0000_i1028" />
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Economic Calendar for the Week of April 25 - 29
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2022-04-25T12:51:00-07:002022-04-25T10:20:09-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:19755Mortgage Market Guide Mondays- 4/18/222
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5085746/top-image-041522.jpg" align="right" />This past week, home loan rates hit the highest levels in nearly a decade as inflation readings came in touching 40+ year peaks. Let's discuss what happened and what to watch for next week.
"Why does it have to be like this? I can never tell" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3D7Px9jqT3fA7TrWMFEXRJ3w~~%26pe%3DxPLX_PArgtrrK6rlWs3Ba6AOBgJ-yvnx0o-fTvNy_wUr36IijtefxVYLUsFdvTsLE64brVsZxAUBj2BUUlyGtw~~%26t%3DGwXwcmnrG65fIN4RpIJhsQ~~&data=04%7C01%7Cbrittany.kohlbek%40bhhsamb.com%7C2da4aa3d94dd46c9b9e508da2174b831%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637859082458904806%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C2000&sdata=aO3ZXfOJM84vk3Fwt3%2FQVPX0a%2BVi4liC5HVkZdgSvsw%3D&reserved=0" target="_blank" rel="noopener noreferrer" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=7Px9jqT3fA7TrWMFEXRJ3w~~&pe=xPLX_PArgtrrK6rlWs3Ba6AOBgJ-yvnx0o-fTvNy_wUr36IijtefxVYLUsFdvTsLE64brVsZxAUBj2BUUlyGtw~~&t=GwXwcmnrG65fIN4RpIJhsQ~~" shash="wqS35fIMcFt6NyMcNhGwVMp5MLeuk+HXYND7xbLvq4Pv9+Gm6BD6SU9OzYrCYvE3SaLqhIwd5UZTzllBULNJ6RWZ1NFnL8SSpfsBxc1+GnDMkrsyBoc54QqUflLYCJ32B8TbuXRP/NPKwFIAq4H/n8nTPyJ0UUjqN5x5UNkB+eE=" title="Original URL: https://benchmark.mmsend.com/link.cfm?r=7Px9jqT3fA7TrWMFEXRJ3w~~&pe=xPLX_PArgtrrK6rlWs3Ba6AOBgJ-yvnx0o-fTvNy_wUr36IijtefxVYLUsFdvTsLE64brVsZxAUBj2BUUlyGtw~~&t=GwXwcmnrG65fIN4RpIJhsQ~~. Click or tap if you trust this link." data-linkindex="0">Little L by Jamiroquai</a>.
Headline Consumer Inflation vs Core Consumer Inflation
Interest rates around the globe have been on the rise in response to inflation fears and uncertainty surrounding Federal Reserve rate hikes. The next Fed meeting is on May 4th and at that time the market is expecting a 0.50% hike in the Fed Funds Rate. Also on the table, is an announcement to start the balance sheet reduction, which could put more upward pressure on long-term rates.
The rate of consumer inflation will determine what the Fed will do going forward. On Tuesday, we received the important Consumer Price Index (CPI) Index. There are two inflation readings to follow, the headline figure, which includes food and energy costs, and the more closely watched Core reading, which strips out food and energy.
The headline CPI came in at 8.5% year over year. The important month-over-month reading, which determines the near-term trend, showed a higher than expected 1.2% increase or a 14.4% annualized rate!!!!
The Core CPI reading came in at 6.5% year-over-year, driven by a relatively small 0.3% month-over-month rise. Both figures were cooler than expectations. In the words of Fed Governor Lael Brainard - this was a "welcome" sign.
The core inflation number is more closely watched by the Fed and the financial markets as that is the price of everything outside of food and energy. If core inflation continues to moderate in the months ahead, the Fed will not likely raise rates as aggressively as the markets currently fear.
Ironically, the headline and more energy-based inflation may be a reason why the core inflation number was lower. If people are paying more money to fill their tanks and heat their homes, it will come at the expense of all other purchases. How do these other products get purchased? Lower the price.
Consumer spending makes up two-thirds of our economic growth. So when you hear this fresh chatter regarding a recession in the U.S., it suggests the consumer will dramatically stop spending on items outside food and energy.
This could happen further down the road if we are unable to reign in energy costs.
Europe has Inflation Issues
Across the pond, European Central Bank (ECB) President Christine Lagarde shared these words which pushed interest rates higher around the globe:
There are "three main factors that are likely to take inflation higher" going forward.
Energy prices are expected to stay higher for longer.
Pressure on food inflation is likely to increase.
Global manufacturing bottlenecks are likely to persist in certain sectors.
Note: The similar theme abroad is the high headline (food and energy) cost while their economy slows from a lack of spending outside those items. The European economy is performing worse than the U.S. and their central bank is reacting even slower to inflation than our Fed. Their interest rates are 0.50% and there is no timeline to increase them. Additionally, the ECB will continue to purchase bonds to keep rates low until the 3rd Quarter of this year.
The good news? If rates stay low around the globe, it will help keep our rates relatively low.
Shortest Unemployment Line in 52 Years
Initial Jobless Claims are being reported at levels last seen in 1970. This is wonderful for housing as jobs buy homes. A potential problem could be wage-based inflation as it takes more money to attract talent.
The Fed's dual mandate is to maintain price stability (inflation) and promote maximum employment. We will wait to see if the Fed can perform a "soft landing" where inflation comes down without hurting the economy or labor market.
Bottom line: Interest rates remain on the rise. And the words of central bankers around the globe this week have added to the uncertainty and volatility. If you are considering a mortgage, now is an ideal time to lock in as the path of least resistance for rates remains higher.
Looking ahead
Next week we will receive important readings on housing. We should expect softness as mortgage rates touched 5% and have exacerbated an already challenging affordability environment. There will be more Fed speak which could further shove price/rates around.
2022-04-18T17:45:00-07:002022-04-18T13:44:03-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:19715What does building a Woodland Home look like from start to finish? Follow our home building journey!2022-04-15T10:37:00-07:002022-04-25T10:20:30-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:19657Mortgage Market Guide Mondays- 4/11/22
A Look Into the Markets
<img data-imagetype="External" src="https://vip.vantageproduction2.com/Share/Content/5085547/top-image-040822.jpg" width="260" height="174" align="right" />This past week, home loan rates touched the highest levels in three years in response to the same theme...inflation fears and forthcoming Fed rate hikes, and balance sheet reduction. Let's discuss what happened and what to watch for next week.
"In a New York Minute, everything can change" - <a href="https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fbenchmark.mmsend.com%2Flink.cfm%3Fr%3DhdbWcWnA9FOQNbu2meXqvg~~%26pe%3DdR7I8qIN8yokdw8EssexKs0PsnBWOJcagRfD_qOix0ZWuQeSsXDcY0ZzZzgBvpG6PbUHXRN7TCfx0ThUa4M_cA~~%26t%3DlGpzwzhgdG_EgZE-9qBQ9g~~&data=04%7C01%7CBrittany.kohlbek%40bhhsamb.com%7Cf4177e7d38c04236a70408da1bd671e0%7C2ee229a93b454980b85f6ac86d92f069%7C0%7C0%7C637852905105119001%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000&sdata=rLw%2FPtw9UH2bPapusGbh6Ja84bX8XSbbl%2FunWNxJF68%3D&reserved=0" target="_blank" rel="noopener noreferrer" data-auth="Verified" originalsrc="https://benchmark.mmsend.com/link.cfm?r=hdbWcWnA9FOQNbu2meXqvg~~&pe=dR7I8qIN8yokdw8EssexKs0PsnBWOJcagRfD_qOix0ZWuQeSsXDcY0ZzZzgBvpG6PbUHXRN7TCfx0ThUa4M_cA~~&t=lGpzwzhgdG_EgZE-9qBQ9g~~" shash="HtVM8ixj0SRydynx+2h3ziz7N6Bxus5HEj0aAlcrCFEQMg1X+gBD7Ec8x3p9bImeEkzfdG8pTBEcPpfmXWvXJieXqVRKNo60cVWrNtzeZZyFjUP18ZMqRt5Ykh5GOM8FB/p4rSEvvEb6lifR78s8zsISril3CgKk8QGtI9VLYAs=" title="Original URL: https://benchmark.mmsend.com/link.cfm?r=hdbWcWnA9FOQNbu2meXqvg~~&pe=dR7I8qIN8yokdw8EssexKs0PsnBWOJcagRfD_qOix0ZWuQeSsXDcY0ZzZzgBvpG6PbUHXRN7TCfx0ThUa4M_cA~~&t=lGpzwzhgdG_EgZE-9qBQ9g~~. Click or tap if you trust this link." data-linkindex="5">New York Minute by Don Henley</a>.
"Given that the recovery has been considerably stronger and faster than in the previous cycle, I expect the balance sheet to shrink considerably more rapidly than in the previous recovery, with significantly larger caps and a much shorter period to phase in the maximum caps compared with 2017-19." Fed Governor Lael Brainard.
This was the quote that changed interest rates in a "New York Minute." Why? Governor Brainard expects to shrink the balance sheet larger and faster than they did back in 2018.
Balance sheet reduction/Quantitative Tightening (QT) explained:
The Federal Reserve has nearly $9T worth of Treasuries and Mortgage-backed securities (MBS) on its balance sheet, with an outsized portion coming in the last two years as the Fed purchased $120B of bonds per month for most of 2020 and all of 2021 in a process called Quantitative Easing (QE).
QT is the opposite of QE and a process where the Fed removes bonds off its balance sheet. MBS, where home loan rates are derived, can be paid off either through refinance or purchase activity or from maturation. When the Fed receives this principle, they have been using those proceeds to purchase more MBS. That will no longer happen.
In QT, the Fed will set a cap that will increase every month and ultimately get to $35B. The Fed will take the principal up to $35B and give it back to the Treasury Department. Any principal received in a month above $35B would be reinvested back into MBS.
The idea that the Fed would go from buying bonds to "rapidly" removing them from their balance sheet spooked the financial markets. History tells us the financial markets may be over-reacting to the idea the Fed is going to shrink its balance sheet (QT) and push rates much higher. Back in 2018 the Fed shrunk its balance sheet modestly and rates did move higher, but by the time the Fed stopped in mid-2019, home loan rates were lower than when they began.
Much like in 2018, we should expect any balance sheet reduction to be gradual with the Fed quickly adjusting based on incoming economic data much as they did back in 2019.
"A large number of members held the view that the current high level of inflation and its persistence called for immediate further steps towards monetary policy normalization," European Central Bank Meeting Minutes April 7, 2022.
What happens around the globe can affect our rates. This quote on Thursday morning, where the ECB is moving away from its current accommodative policy to something more neutral, lifted yields abroad and caused our rates to tick up.
The next Fed meeting on May 4th is still weeks away. We should expect continued interest rate and market volatility over these next few weeks as we look to see how much the Fed will hike rates and if they start the balance sheet reduction (QT).
As of this writing, one positive development was the yield curve is no longer inverted. For a few days, the 2-year note yield was higher than the 10-year yield. Fears are that this 2/10 yield curve inversion portends a recession. However, history has shown that yield curve inversion typically last weeks or months before any recession. In this instance, the yield curve inverted for just a few days.
Bottom line: Interest rates remain on the rise and the words of central bankers around the globe this week have added to the uncertainty and volatility. If you are considering a mortgage, now is an ideal time to lock in your rate, as the path of least resistance for rates remains higher.
Looking ahead
Next week we get important readings on inflation as both the Consumer Price Index (CPI) and Producer Price Index (PPI). If these reports show hotter month-over-month price gains, interest rates may move higher still. The opposite is true. We will also see the buying appetite for our bonds as the Treasury Department sells billions worth of new Notes and Bonds. Finally, we will get to see how the consumer feels about everything when we get the Consumer Sentiment report. Currently, the consumer is not feeling very enthusiastic about inflation and high energy costs.
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Mortgage Market Guide Candlestick Chart
Mortgage-backed security (MBS) prices are what determine home loan rates. The chart below is a ten-year view of the Fannie Mae 30-year 4.00% coupon, where currently closed loans are being packaged. As prices go higher, rates move lower and vice versa.
You can see on the right side of the chart that MBS are nearing support at price lows/rate peaks last seen in 2018. In looking for a peak in rates, those price bottoms would be an ideal spot. If the bond falls beneath that support, we will see yet another increase in home loan rates.
Chart: Fannie Mae 30-Year 4.0% Coupon (Friday, April 8, 2022)
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Economic Calendar for the Week of April 11 - 15
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The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.<br aria-hidden="true" /><br aria-hidden="true" />As your mortgage professional, I am sending you the MMG WEEKLY because I am committed to keeping you updated on the economic events that impact interest rates and how they may affect you.<br aria-hidden="true" /><br aria-hidden="true" />Mortgage Market Guide, LLC is the copyright owner or licensee of the content and/or information in this email, unless otherwise indicated. Mortgage Market Guide, LLC does not grant to you a license to any content, features or materials in this email. You may not distribute, download, or save a copy of any of the content or screens except as otherwise provided in our Terms and Conditions of Membership, for any purpose.
2022-04-11T18:00:00-07:002022-04-11T13:17:38-07:00Trina Ciochontag:housesinomaha.com,2012-09-20:10516Great Rooms, The New Construction TrendGreat rooms have become a new fad in the real estate world especially within New Construction homes. In the last few years open concept floor plans have become more popular and many newer homes are starting to do away with multiple living spaces and instead, combining the square footage into one large open space that many people are referring to as a “Great Room.” While ultimately each buyer has their own wants and preferences, the Great Room trend seems to be holding steadfast in its desirability among home buyers and even builders.
Related: <a href="https://www.housesinomaha.com/blog/5-ways-a-new-home-is-better-than-an-existing-one/">5 Ways a New Home is Better Than an Existing One</a>
<img src="https://assets.site-static.com/userfiles/1687/image/Open_Concept.png" width="370" height="555" alt="open concept" title="open concept" style="float: right; margin: 11px;" />Open Concept
Open concept homes are highly coveted by many and when choosing a Great Room, you get the best of the best. These rooms allow for the ultimate open concept. While some believe the open-concept floor plans are a fad, they have remained highly sought after for the last decade which leads us to believe that the more conservative and compartmentalized floor plans will not be as coveted in future Real Estate.
Entertaining
While we may not have as many people over at our houses with the current COVID restrictions, the thought of entertaining in the future is still enough for people to plan their home purchase or build accordingly. Great rooms allow for the kitchen to be open to the living spaces ensuring that both the host and the guests can enjoy each other’s company easily.
Light
Nobody wants a dark home, especially when choosing to build a new construction home. Often times Great Rooms will feature oversized windows which allows for ample natural light as well as potential grand lighting fixtures to be a focal point within the room.
Related: <a href="https://www.housesinomaha.com/blog/8-ways-to-save-big-on-new-construction/">8 Ways to Save Big on New Construction</a>
Space
Oftentimes there is a small area within a home that never gets used, whether a spare room, a corner off the entryway, etc. when choosing a great room, the entire space can work for you as a whole ensuring that there is no “dead space” being unused.
As with nearly all New Construction homes you are often able to customize the options available to you, modify floor plans, or add extra features. When it comes to the floor plan it is important to look at all the options and decide which features will work best for you and your family or fit your wants and lifestyle the best.
If you’re currently <a href="https://www.housesinomaha.com/property-search/search-form/">searching for a new home</a>, whether a new construction home or an existing home, are in the market to sell your home, or have any questions regarding <a href="https://www.housesinomaha.com/">Omaha Real Estate</a>, please feel free to <a href="https://www.housesinomaha.com/contact/">contact our office</a> at any time. 2021-03-02T14:56:00-07:002021-03-02T17:03:23-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:10384Better to Build a Home or Buy One Right Now?One of the challenges the past multiple years have brought is the difficulty of buying a home. Even before the pandemic became part of our day-to-day reality, the housing market has faced a steady uptick in prices and an increasing lack of inventory. These reasons and more may lead you to wonder if it’s worth building your own home rather than buying one. Here are some good reasons to build your own home and a few things to consider that may make you change your mind:<img src="https://assets.site-static.com/userfiles/1687/image/4_Simple_Tips_for_Renovating_Your_Home_This_Spring_11.jpg" width="400" height="335" alt="Better to Build a Home or Buy One Right Now?" title="Better to Build a Home or Buy One Right Now?" style="float: right; margin: 11px;" />
The Pros:
Customization
One of the great things about building your own home is the sheer amount of access you have to customize it as you see fit. You don’t have to deal with renovations in the near future or be unable to have that truly open concept because of the way the walls were put in and so on. You start from the ground up and choose exactly the kind of space you want to have. Do you want brand new hardwood flooring? Done! Do you want the bedrooms further apart or closer together? Your builder can make it happen. Dying to have a French door installed near the kitchen and into the backyard? Sure thing! Your options are nearly limitless!
Modernity
Have you ever looked into buying a home and like about everything it has to offer except the fact that the kitchen looks like it was built in the 1970s? Yeah, that’s frustrating. Fortunately, when building a home, you don’t have to even bother with those nuisances. Starting from scratch means you have the option of having the newest, modern look to your new home. Couple that with the fact that a new home means a longer-lasting structure, and you have the extra peace of mind you need to fully enjoy your new home experience!
The Cons:
Cost
There’s no getting around the fact that building a new home is almost always more expensive than buying an already existing home. If you’re interested in having one built, you will absolutely need to make sure your budget can handle the expenses. It’s not simply the cost of building a home itself that you should consider. Think about the cost of new appliances, flooring, landscaping, the overall structure of the home, and more.
Related: <a href="https://www.davidflemingre.com/blog/finding-right-house-questions-to-ask/" target="_blank">Find the Right House for You with These 4 Questions</a>
Location
One of the other factors you’ll also want to consider is the location of the home. Because of zoning laws and local regulations, in general, you may likely have to build your home on an expensive plot of land. That’s not always the case, but it is certainly something you should consider. If you’ve already considered a particular plot of land to build on, then you’re already in good shape; however, some neighborhoods that you would like to live in may not be available to build a home within due to some of the above factors.
To put it bluntly, there are plenty of additional factors to consider when building a home over buying an existing home. If you have the time, money, and patience to invest in it, then building your own home could be a fantastic, rewarding option for you!
Check out our featured new construction communities in and around Omaha NE2021-02-22T11:52:00-07:002021-02-22T14:18:36-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:97094 Tips for First Time Buyers in a Seller's MarketAcross the United States, many people are living in what is known in the real estate business as a seller’s market. Put simply, a seller’s market means there are more people demanding homes than there is a supply of homes. This often gives the seller even more of an advantage because it adds pressure to home buyers to put forth their best offers and makes it easier for the home seller to walk away with an amazing deal.<img src="https://assets.site-static.com/userfiles/1687/image/How_the_New_FICO__Resilience__Credit_Score_Could_Help_Borrowers_4.jpg" width="410" height="344" alt="4 Tips for First Time Buyers in a Seller's Market" title="4 Tips for First Time Buyers in a Seller's Market" style="float: right; margin: 11px;" />
With the median home value being over $300,000 across the country, it can be difficult as a home buyer to find the motivation to move forward with buying a home; however, there are a number of ways you can meet the competitive demand in a home seller’s market.
1. Pick the best agent
This is true in any type of market but especially so in a seller’s market. If you’re serious about buying a home in 2021, you cannot afford to skimp by on an average or below average agent. You really need to do your own homework and find the right agent who has dealt with this kind of market before and knows how to help you succeed. If you have the money for it, invest in a top-notch agent.
2. Stay true to your budget
Again, this rule should apply as much as possible, no matter what situation you’re in. Buying in a seller’s market can make it extra tempting to compete in the bidding wars. Don’t do it. You do not have time to make counteroffers in a market where the seller is looking to close in on a deal lightning-fast. Decide upfront how much you can afford and stick to it. You don’t want to put yourself in a situation where you get not only the home but years of financial stress and misery that could have been prevented had you stuck with your original plan.
3. Remain lax on contingencies
It’s a common tactic to offer contingencies to a seller when making a home purchase. You might have been able to get away with that in a normal market; but when you’re competing in a seller’s market, these types of delays can often break a potentially great deal. That’s not to say you should simply walk into a new home without knowing what you’re getting into. It simply means being more willing to work with the seller and less demanding with items that could be attended to later down the road. Having a home inspection is reasonable but expecting your home to be sold before you can move into theirs may be a turn off.
4. Show cash upfront
Finally, one way to really show how serious you are about buying the seller’s home is by showing cash upfront for the deposit. You can even increase the amount the seller is hoping will be put down to further convince them you have the best deal. The saying “Money talks” is still true. Just make sure you aren’t breaking the bank to do this. If you have the funds for it and are willing to take the risk, then go for it.
Related: <a href="http://blog.keytothebay.com/tri-valley-home-buyers/reason-not-purchase-house-cash/" target="_blank"> Is there any Reason to NOT Buy a House with All Cash?</a>
No matter what happens, stay true to your budget and yourself. If you don’t feel comfortable moving forward with the process, then don’t. There is no shame in waiting a year or two for the market to calm down before coming back to participate in buying a home. What matters is buying the right home at the right time. Don’t allow yourself to be pressured just because the market demands it. Take the time and invest wisely in your future, and you will reap the benefits for years to come.
More Tips:
<a href="https://www.housesinomaha.com/blog/what-is-a-wraparound-mortgage/">What is a Wrap-around Mortgage?</a>
<a href="https://www.housesinomaha.com/blog/10-key-questions-to-ask-when-buying-new-construction/">10 Questions to Ask When Buying New Construction</a>
<a href="https://www.housesinomaha.com/blog/4-risks-of-buying-a-hud-homes/">4 Risks When Buying a HUD Home</a>2021-02-15T07:50:00-07:002021-02-15T09:55:36-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:9632How to Turn Your Space Bedroom into a Walk-In ClosetDo you ever find yourself looking at your master bedroom and wishing you could add more space to it? Do you have a spare bedroom nearby that you don’t typically use for anything other than storage space? Great news! With some planning and work, you can turn that spare bedroom into an exquisite walk-in closet.<img src="https://assets.site-static.com/userfiles/1687/image/What_Will_Home_Values_Look_Like_This_Year__3.jpg" width="420" height="352" alt="How to Turn Your Space Bedroom into a Walk-In Closet" title="How to Turn Your Space Bedroom into a Walk-In Closet" style="float: right; margin: 11px;" />
Where to begin? Glad you asked! There are a number of different, yet important, steps to take when transitioning one room into another. Let’s tackle five different areas of customizing your spare bedroom into the type of walk-in closet that will make your dreams come true.
1. Colors
Needless to say, if you’re wanting to craft a special room for storing your clothes, shoes, and other items, you’ll want the room to look as appealing as possible. There’s no rule that says a closet should be boring or all one color. That said, you may want to consider a color scheme that will better match the scheme of your bedroom. If you’re aching for an adventure, however, feel free to see what looks best to you! If you’re more interested in a modern contrast of white and beige, that’s perfectly fine. If you want more style, then a mix of other colors will do nicely!
Related: <a href="https://www.knieperteam.com/blog/4-areas-to-consider-when-remodeling-your-kitchen/" target="_blank">4 Areas to Consider When Remodeling Your Kitchen</a>
<img src="https://assets.site-static.com/userfiles/1687/image/What_Will_Home_Values_Look_Like_This_Year__5.jpg" width="400" height="335" alt="How to Turn Your Space Bedroom into a Walk-In Closet" title="How to Turn Your Space Bedroom into a Walk-In Closet" style="float: left; margin: 11px;" />2. Flooring
Next, you will want to consider what type of flooring you would like. Do you want a nice, cozy carpet to walk on while hunting for clothes? Maybe a nice, hardwood floor suits your fancy? Or what about a fine tile pattern? The nice thing about this decision is that you have plenty of options to choose from.
3. Racks and shelves
If you have all that extra space going into a walk-in closet, then you should absolutely take advantage of it by putting in some racks and shelves. You may have to decide which you’d like more of depending on your stash of shoes and clothes. If you’re anything like me, one nice pair of tennis shoes is about all you’ll need; but if you’re like others, having a nice collection of shoes for different occasions is quite convenient and slightly more fashionable.
4. Mirrors
Adding mirrors to your walk-in closet really takes advantage of the extra space by giving you that much less of a walking distance to see how you look before you head out for the day. Rather than walking to the bathroom, why not take a look inside the very place you dress up anyway? While you’re at it, consider adding mirrors behind you and around you to give that full view of how you’ll appear to others at work, dinner, or while out with friends.
5. Closet doors<img src="https://assets.site-static.com/userfiles/1687/image/What_Will_Home_Values_Look_Like_This_Year__4.jpg" width="400" height="335" alt="How to Turn Your Space Bedroom into a Walk-In Closet" title="How to Turn Your Space Bedroom into a Walk-In Closet" style="float: right; margin: 11px;" />
Sure, you’d like to make the inside of the closet look appealing, but don’t forget about the doors too! You don’t have to settle for a plain, old wooden door. Maybe you’d like to have French doors or a slide-open barn door or even a glass door. Nothing is off-limits from you having the kind of entrance that leads you into a walk-in closet you’ll never forget!
Planning on creating the home of your dreams or maybe you should buy the home of your dreams all set to go with a great walk-in closet? Either way, there are benefits to both. Check out the <a href="http://www.housesinomaha.com">newest homes for sale throughout Suburban Omaha</a>. Woodland Homes are exploding across the county. Call us for more information or browse the listings below.2021-02-08T13:13:00-07:002021-02-08T15:26:56-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:87778 Ways to Save Big on New ConstructionNew construction is exploding across the <a href="https://www.housesinomaha.com/">Omaha </a>area. Buyers are scrambling to keep up and the new home inventory is definitely lower than it probably should be right now. That being said, there are a lot of new construction companies such as Woodland that are making a major appearance in <a href="https://www.housesinomaha.com/elkhorn-ne-homes-for-sale/">Elkhorn</a> and the Omaha area. If you're looking to buy new construction, consider these 8 ingenious ways to save big on your new construction purchase.
#1. Using the right agent.<img src="https://assets.site-static.com/userfiles/1687/image/5_Mortgage_Advice_Tips_for_First-Time_Orange_County_Homebuyers_4.jpg" width="400" height="335" alt="8 Ways to Save Big on New Construction" title="8 Ways to Save Big on New Construction" style="float: right; margin: 11px;" />
Even if you're buying new construction, you can use your own buyer's agents. A buyer's agent works solely for the benefit of the buyer, not necessarily the seller and a buyer's agent will look out for you throughout the process. A real estate agent that is well-versed in new construction will have insight on the builder, the developer, construction, location, and how to negotiate. Just because the development has set a certain price doesn't mean that you can't negotiate. However, having a buyer's agent on your side do the bidding will get you a lot farther.
#2. Choosing the best time to buy.
National builders are typically publicly-traded companies. Just any other publicly-traded company they will need to set sales goals and answer shareholders. At the end of each quarter, builders tend to be more aggressive with their incentives to meet these goals. You, as the buyer, can benefit from these incentives by doing the right time to buy. While the holiday season is technically the best time to buy new construction, winter in general or at least before the end of the first quarter is always a good time.
Related: <a href="https://www.davidflemingre.com/blog/finding-right-house-questions-to-ask/" target="_blank"> 4 Questions to Ask When Finding the Right House</a>
#3. Reconsider builder list prices.
Just because you can negotiate doesn't mean that builders like to reduce their prices. This could set a precedent for future home sales. Buyers are more likely to pay for closing costs or offer design center incentives than to necessarily drop their price. Builders are also not like a typical seller. They have no emotional attachment to the property and their decisions are based on what's good for the bottom line. Every day that a builder has a home sitting on the market they could be losing money. Look for builder inventory homes that have been on the market for longer than 45 days. You're more likely to get a better deal.
#4. WYSIWYG
This acronym, which stands for "what you see is what you get" may or may not be representative of the house. A builder model home might not be a good representation of what you'll get with a standard home in the development. The model home is typically a higher-end version of the standard home so it will have upgrades and items that you can add to the purchase. Most of these upgrades have good profit margins for the builder and developer as well. Make sure you ask what comes standard with the home and what you might be looking at in the model home that is not standard.
More<a href="https://www.matinrealestategroup.com/blog/4-major-things-to-watch-for-on-a-home-inspection/" target="_blank">: 4 Things to Watch at a Home Inspection</a>
#5. Consider purchasing the builders model home.
If you like the model home, you might get a better deal on all of the additional upgrades when the entire project is completed. This is the showcase home for the development and it usually has all the best features and upgrades. These homes will typically be sold once all of the lots in the development are sold as well so you might have to wait a while in order to get the model home but getting put on the waiting list is a good way to be first in line. Plus, no one's usually lived in this home but there will have been a lot of people browsing the home and touring the model home while the development is underway. If you don't mind that, you can consider it as a resale home just with all the bells and whistles.
#6. Understand the builder's lender.
Most builders will have their own lenders and they love it when you use their preferred lenders. In many cases, though even offer some enticing incentives if you use a specific lender. While you don't have to and it's not automatic, you can benefit greatly by using the preferred lender of the builder. You are welcome to shop around to find the best loan for you but depending on the incentives, the builders lender might be an excellent option to save money.
#7. Research the builder.
Not all builders are equal. Make sure you understand how they work, their reputation, and what they generally offer for most buyers. Do they have incentives for first-time homebuyers, what type of construction do they typically use and do you prefer their layouts and design options?
#8. Get everything in writing.
While this might seem obvious, many agents could promise the moon while showing the home in person. Make sure anything they promise you get in writing. Many large developers will have lengthy, lawyer written and intimidating looking purchase agreements that cover every tiny detail. Make sure you understand what you are signing and if not, have a real estate attorney go over everything clearly.
For more information on saving money with new construction, specifically in Elkhorn and around the Omaha Nebraska area, contact us at any time. We are well-versed in new construction homes, specifically Woodland Homes, and would love to help you save money on your next home purchase.
More Tips for Home Buyers:
<a href="https://www.housesinomaha.com/blog/category/woodland-homes/">How Much are New Home Upgrades?</a>
<a href="https://www.housesinomaha.com/blog/10-key-questions-to-ask-when-buying-new-construction/">10 Questions to Ask When Buying New Construction</a>
<a href="https://www.housesinomaha.com/blog/buyers-knew-new-construction/">5 Things Buyers Wish They Knew About New Construction</a>
2021-01-26T07:28:00-07:002021-01-26T10:38:58-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:8712Secrets for Getting a Shiny Clean BathtubThe tub is a large surface in the bathroom that can quickly draw and detract the eye from other things if it is messy. This may be the reason it feels like a big and cumbersome task to get it shiny clean. It is also shaped in such a way that it seems to require a fair amount of strategic and almost back bending moves to reach every part. There are some things you can do to make cleaning the tub much easier and keep it shiny and beautiful longer.
Here are some tips for a shiny clean <img src="https://assets.site-static.com/userfiles/1687/image/How_to_Get_a_Mortgage_After_Foreclosure_7.jpg" width="400" height="335" alt="Secrets for Getting a Shiny Clean Bathtub" title="Secrets for Getting a Shiny Clean Bathtub" style="float: right; margin: 11px;" />bathtub.
Know Your Tub
Before attempting any form of cleaning on your tub you should know what type of finish is on your tub. Most tub finishes are enamel, porcelain, acrylic, or fiberglass. If the finish of your tub has a sort of plastic look to it the finish is either acrylic, or fiberglass. If you have a tub made out of a more specialized material like stone or copper it is a good idea to check with the tub manufacturer for care.
Choosing a Cleaner
There are several tub/tile/bathroom cleaners on the shelves at the store, many of them claiming to give you that shiny clean finish you are after, but few actually coming through on delivering on that promise. There are also several homemade solutions you can find by thumbing through sites like Pinterest.
Using equal parts of baking soda and water to create a paste will work on all tub surfaces to help get rid of soap scum. Porcelain tubs do well with vinegar cleaners. If you want to use a store-bought cleaner make sure to read the label carefully first to be sure it will not damage the finish of your tub.
Cleaning Stains
Each type of tub finish will have different best practices for scrubbing unsightly stains from your tub finish.
Acrylic Tubs: Acrylic tubs are great for stain resistance. If there is a stain on your tub, use a mixture of ½ to 2/3 of cup of clear non-dyed hand dishwashing soap with 2 cups of hot water. If this does not help a paste made from cream of tartar and hydrogen peroxide or baking soda and water may work, just test it in a low visible area to make sure it will not scratch your tub.
More: <a href="https://www.housesinomaha.com/sellers/adding-value/">How to Add Value to Your Home</a>
Enamel: Enamel finishes are more delicate, using bleach will stain an enamel tub. For enamel tubs, you can use the same dish liquid cleanser as for acrylic tubs.
Porcelain: many people and commercial cleaners like to use bleach to knock out stains on a porcelain surface. Too much bleach can wear down the surface with time. Instead, start with a simple baking soda and water paste. Dish liquid can work well for soap scum on porcelain. If there is an issue due to hard water, use a mix of vinegar and water. If you have tried all of the above, a pumice stone could help or a magic eraser. Start with the least abrasive cleaner first and work your way up. In some cases, the finish on the tub may be worn and needing repair.
Related: <a href="https://allkleencarpets.com/a-bathtub-cleaning-trick-that-is-easy-on-the-back-and-knees/?utm_source=rss&utm_medium=rss&utm_campaign=a-bathtub-cleaning-trick-that-is-easy-on-the-back-and-knees" target="_blank">A Bathtub Cleaning Trick That's Easy on the Knees</a>
Tub Cleaning Technique
<img src="https://assets.site-static.com/userfiles/1687/image/How_to_Get_a_Mortgage_After_Foreclosure_8.jpg" width="400" height="335" alt="Secrets for Getting a Shiny Clean Bathtub" title="Secrets for Getting a Shiny Clean Bathtub" style="float: left; margin: 11px;" />Once you have found the type of finish and have the right cleaner in hand, it is good to know some proper technique. Start by removing all of the bath products to give you an empty surface. First, treat any unsightly stains, then move on to your cleaner. Many of us instinctually begin with the cleaner, but it is best to address stains first. Spread your cleaner of choice in a circular motion if you have a paste or spraying the entire surface of the tub if you are using a spray. Start at the rim, then to the sides, working your way down to the bottom.
Now that the cleaner is in the tub, leave it there. Don’t grab for your cleaning cloth and begin wiping right away. Give the cleaner time to do the work, this will save you so much elbow grease and effort. While this is happening you can take some time to clean other surfaces like the mirrors or go do something fun for about 30 minutes. Once that time is up come back with a microfiber cleaning cloth or long handle brush made specifically for tubs. Try not to use a hard scrubber as it can scratch the tub.
More: <a href="https://sararealtorpro.com/need-home-office-before-listing/" target="_blank">Does your home need a home office before listing?</a>
Finish up by rinsing the tub very well with either the showerhead or a bucket of clean water. It is very important not to skip rinsing. When everything is rinsed follow up with a dry cloth to get that shiny clean you are after.
Preventive Measures
Now that the tub is clean and shiny there are some things you can do to make keeping it that way and cleaning it again much easier. Every time you take a shower or bath get into the habit of giving the area a quick wipe down and dry. This will drastically reduce soap scum and hard water problems. It is also a good idea to switch out that bar of soap for a bath gel as the talc in bar soap creates soap scum. If you really love your bar soap switch to a hard soap.
Are you trying to get your home up to snuff to sell? Let the <a href="https://www.housesinomaha.com/about/">Houses in Omaha Team</a> help price and stage your home for a fast sale! We love this area and know it well. Our experts can offer a free listing consultation on what your home is currently worth. Fill out the form below to learn more. We are your <a href="https://www.housesinomaha.com/">Omaha real estate</a> listing experts.2021-01-19T10:42:00-07:002021-01-19T12:56:41-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:85535 Ways a New Home is Better Than an Existing OneIf you’ve reached a point in your life where you’d like to buy your own home, then congratulations! Owning your very own home is an exciting time in your life, and there’s nothing quite like the realization that the piece of property you live on is truly your own. However, have you thought about whether you’d like to live in an existing home or a new home? There are certainly pros and cons to both, but I’d like to share with you why buying a new home may be a better option for the future.<img src="https://assets.site-static.com/userfiles/1687/image/What_Does_the_New_Refinance_Fee_Mean_for_Borrowers__13.jpg" width="400" height="335" alt="5 Ways a New Home is Better Than an Existing One" title="5 Ways a New Home is Better Than an Existing One" style="float: right; margin: 11px;" />
Low maintenance
I don’t know about you, but I personally enjoy not having to worry about tending to different maintenance issues. One nice thing about buying a new home is you can live worry-free for many years before these issues pop up, as long as the home is built properly. Having a new HVAC system, roof, flooring, and more means those are things you don’t have to worry about breaking in a short period of time. You can instead enjoy peace of mind in your beautiful new home.
Related: <a href="https://www.migginsrealestate.com/blog/5-reasons-to-make-a-move-right-now/" target="_blank">5 Reasons to Make a Move Right Now</a>
Modernity
If you’re into the more modern, contemporary designs of houses today, then having a new home opens up all kinds of possibilities for putting these plans into motion. Want a formal dining room? Done! How about a wide-open space to enjoy cooking while watching a football game on the living room TV? Check! No matter what aspects of modern home living you’re dreaming of bringing into reality, you can do this more easily with a newly built house.
Personalization
Although it’s certainly possible to renovate an existing home to appeal more to your style, opting for a new home means taking less time to implement those changes. As long as you make it clear with the builder what you want beforehand, this can be done. Rather than having to knock out old walls or uproot the flooring, you can simply begin from scratch with what you want as the final prize.
Related: <a href="https://www.migginsrealestate.com/blog/5-reasons-to-make-a-move-right-now/" target="_blank"> 4 Things to Look For on a Lake Home Inspection</a>
Convenience
Another reason why a new home can be better than an existing one lies in the fact that some new construction models offer more in the way of amenities. Depending on your location, you may have better access to parks and schools and restaurants and other conveniences that may not otherwise be as easily accessible with an already existing home.
More: <a href="https://snohomishland.com/selling/20-things-that-could-kill-a-real-estate-sale/" target="_blank">20 Things that can Kill a Real Estate Deal</a>
It’s really yours!
Finally, having that brand new home means you are the first one to live in the house of your dreams. You can feel successful knowing the hard work you put into saving up for this brand new house makes it yours.
Start searching below or contact us at anytime to schedule a showing or for more details:
More Tips for New Construction Buyers:
<a href="https://www.housesinomaha.com/blog/10-key-questions-to-ask-when-buying-new-construction/">10 Questions to Ask When Buying New Construction</a>
<a href="https://www.housesinomaha.com/blog/buyers-knew-new-construction/">5 Things Buyers Wish They Knew About New Construction</a>
<a href="https://www.housesinomaha.com/blog/how-to-make-an-offer-on-a-new-construction-home/">How to Make an Offer on a New Construction Home</a>
2020-12-30T07:36:00-07:002020-12-30T09:42:27-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:8312Best Places to Shop This Holiday in Elkhorn and OmahaIf you live in Nebraska, near Elkhorn and Omaha, there is a wide variety of fun places to visit. Perhaps you have a craving for shopping at some of the finest stores or dining at the most delicious restaurants? If you’re planning on making a trip to the area, here are some key places to visit to make the most of your adventure.
Village Pointe
<a href="https://www.reddevelopment.com/village-pointe/" target="_blank">Village Pointe</a> contains some of the best shops and eateries you will find near Omaha and Elkhorn. If you’re looking for a fresh round of clothing, American Eagle, Old Navy, Banana Republic, GAP, and Altar’d State are just a few options that have what you’re looking for. Perhaps you’re in the mood for the latest tech or are shopping for basic appliances? Best Buy can meet those needs. Seeking to upgrade household décor, bedding, or bathroom accessories? Bed, Bath, & Beyond not only has those but also contains electronics, storage items, window treatments, and more that can suit your interests. Restaurants are also popular at the Village Pointe.
From Johnny’s Italian Steakhouse to Kona Grill to Paradise Bakery & Café, the options are plentiful. One of the local restaurants to try is 402 Eat + Drink, a chef-operated, full-service restaurant located off Davenport Street near Marcus Village Pointe Cinema. They offer many popular items such as Crab Rangoon, Mushroom Flatbread, Steak Torta, and Shorty Melt. Indoor and outdoor seating is available, as well as online ordering should you desire to stay in your hotel.<img src="https://assets.site-static.com/userfiles/1687/image/gift-shopping_t20_wQmKyr.jpg" width="400" height="267" alt="Best Places to Shop This Holiday in Elkhorn and Omaha" title="Best Places to Shop This Holiday in Elkhorn and Omaha" style="float: right; margin: 11px;" />
Westroads Mall
Another place to consider visiting is the <a href="https://www.westroadsmall.com/en.html" target="_blank">Westroads Mall</a>. They offer similar stores and diners that you can find in Village Pointe with some unique additions. Come mid-December, go see the Nebraska Wind Symphony perform wonderful pieces of music surrounding the holiday season.
They are also hosting a <a href="https://www.westroadsmall.com/en/events/warm-for-the-winter-coat-drive-35183.html" target="_blank">Warm for the Winter Coat Drive on December 12th</a> for those less fortunate who need an extra bundle of warmth for the colder weather. Aside from similar stores found at Village Pointe, you can also go see a movie at AMC Theaters, providing some COVID-19 precautions.
Main Streets Studios & Gallery
Located just off Elkhorn Drive, east of Highway 31, <a href="https://www.mainstreetstudios2610.com/" target="_blank">Main Streets Studios & Gallery</a> has a long history in <a href="https://www.housesinomaha.com/elkhorn-ne-homes-for-sale/">Elkhorn, Nebraska</a>. Initially operating as a tire business in the early 20th century, the building now features two large spaces used for art galleries. They also feature a new local artist every month and do quarterly open houses. It’s a wonderful place to make a stop if you’d like to see historic pieces of history in the local art community.2020-11-30T06:24:00-07:002020-11-30T08:30:24-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:82713 Tips for Upsizing Your HomeA large number of home buyers right now are moving into bigger homes. There are many reasons why people are choosing larger homes right now from living with multiple generations of family in one home to just wanting more space when you are spending more time at home.<img src="https://assets.site-static.com/userfiles/1687/image/two-children-are-jumping-upside-down-on-big-bed-children-jumping-have-fun-joyfully-upside-down-bed_t20_9kbAb2.jpg" width="401" height="267" alt="3 Tips for Upsizing Your Home" title="3 Tips for Upsizing Your Home" style="float: right; margin: 11px;" />
Moving to a larger home is more than just finding one that is pretty and you can get approved on a mortgage for. There are some things to look at when you are upsizing your home.
Start with Your List of Must-Haves
To know you are making a great choice in upsizing, start by sitting down and making a list of what you need and want in a new home. You will want to:
Decide on a minimum number of beds and baths. This will launch your home search
Decide on a neighborhood. Where do you want and need to live? What do you want your neighborhood to be like and where do you need it to be to get to work and everywhere else you need to go within a day?
How Much Yard? Are you hoping for lots of outdoor space? Do you want your kids to play in the yard? Do you want to host bbqs? Are you hoping to have farm animals? Do you want to start a large garden? Do you hate landscaping and want very little yard at all?
What Luxuries Are You Hoping For? What are you hoping to benefit from the use of in your new home? Do you want a fancy kitchen? Are you looking for a huge master bathroom? Would you like to be able to run systems in the home from your smart phone?
What About the Extra Space? You are upsizing because you want more space, so what exactly are you looking to do with that space? Do you need a room that is separated and quiet to use as an office? Maybe the family needs a second living room so video games can be played while others want to watch a movie.
What About the Future? Is the space in the home going to be enough or will you need even more in the future? Will you be having more kids, or do you plan to have an aging parent live with you in the next few years?
Floorplan
Now that you know what you want in a bigger home and why you want it, how do you want those spaces to be laid out and function together as a whole? Do you want everything to be on one level so that you can age in the home or make it easier for older residents in the home to get around? Would you like a kitchen open to a living space so that when it is a good idea to host parties again you can? Would it be nice to have the guest area away from the main bedrooms so guests can be more comfortable to make themselves at home? All great things to think about because a home’s functionality will be happier everyday living.
Budget
When looking for a bigger home, especially right now as mortgage rates are very low, it is easy to get swept up in buying at the top of your budget so you can add just one more dream wish to the home. Make sure to go over your budget and decide how much you really want to spend on that new monthly mortgage payment. What is going to keep you living life comfortably and enable you to enjoy the home instead of feel obligated to it?
For more information on <a href="http://www.housesinomaha.com">buying a home in Omaha</a> and surrounding areas please contact us any time.
More Tips:
<a href="https://www.thegulfcoastismyhome.com/blog/tips-clearwater-beach-condo-buying/" target="_blank">4 Major Tips for Condo Buying</a>
<a href="https://www.relocatetosunnystgeorge.com/real-estate-news/what-to-do-when-the-buyer-requests-early-possession/" target="_blank">What to Do When a Buyer Wants to Take Early Possession</a>
2020-11-22T12:35:00-07:002020-11-22T14:40:07-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:8198What is a Wraparound Mortgage?Very few people have heard of a wraparound mortgage. It can be a helpful way for buyers that are having trouble <a href="https://www.housesinomaha.com/buyers/mortgage-pre-approval/">qualifying for a home loan</a> to buy a home as well as help sellers that are in distress.<img src="https://assets.site-static.com/userfiles/1687/image/Using_Storage_Containers_to_Help_You_Move_1.jpg" width="400" height="335" alt="What is a Wraparound Mortgage?" title="What is a Wraparound Mortgage?" style="float: right; margin: 11px;" />
What is a Wraparound Mortgage?
Also sometimes called a carry-back loan, a wraparound mortgage is a type of owner or seller financing. It gives a buyer financing that includes or “wraps-around” an existing mortgage that the seller of the home is currently paying. The buyer makes a payment to the seller. The seller uses this payment partly to pay the mortgage they have on the home and keeps the remainder as profit. Most wraparound mortgages have a higher interest rate than the current mortgage on the property in order for the seller to cover the payoff and receive a profit.
Related: <a href="https://mylenderjackie.com/homeownership/todays-financing-options-that-will-save-homeowners-from-foreclosure/" target="_blank">Today's mortgage options are designed to save homeowners from foreclosure</a>
How do Wraparound Mortgages Work?
For a loan to become a wraparound loan the <a href="https://www.housesinomaha.com/sellers/">seller of the home</a> has to be paying on an assumable mortgage. It is rare for a conventional loan to be assumable. FHA, USDA, and <a href="https://mylenderjackie.com/resources/veteran-home-loans-va-benefits/" target="_blank">VA loans</a> are all assumable loans.
Both buyer and seller must agree on the wraparound mortgage and the seller must obtain permission for the wraparound from their current lender. Once terms are legally set the seller needs to transfer the title to the buyer either right away or when the loan is repaid to their lender. When the title is transferred the buyer is legally the owner of the property.
A wraparound mortgage is in a junior or second lien position so this means that if the buyer is unable to keep the loan current making payments on time the lender would be repaid first from the proceeds of a foreclosure sale not the seller of the home.
Risks of Wraparound Mortgage
This type of mortgage can be risky for both the buying and selling parties. The buyer is making payments to the seller, not a lender so they are relying on the seller to be trustworthy and pay the mortgage on the home. If the seller defaults the home can be foreclosed on while the buyer is living in it even though they are making payments on time. It is wise to include that a portion of payments be made directly to the lender to help deter fraud.
A seller faces risk if the buyer fails to make payments because the seller is still liable to make mortgage payments. This means the seller needs to make those payments or default on the loan so it hurts your wallet or your credit rating. It could result in needing to take legal action to fix it.
A wraparound mortgage can provide opportunities for both a buyer and a seller where they didn’t have one before. However, there are big risks to all parties involved. Buyers can make this an option if they find a seller who is in danger of foreclosing on their home or having trouble selling. Once a property is found where a seller is willing to do a wraparound mortgage the mortgage lender for the home will need to agree. Before stepping into this type of mortgage it is a very good idea to consult a mortgage professional or a real estate attorney for in-depth advice.
For more information on your <a href="https://www.housesinomaha.com/buyers/">mortgage options in Omaha</a> or Elkhorn and surrounding areas please contact our office.2020-11-16T09:58:00-07:002020-11-16T12:33:44-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:81634 Risks of Buying a HUD HomeAs you begin the journey of purchasing real estate you may notice that there are many terms that are thrown around, and while many real estate professionals may understand the lingo, oftentimes there needs to be further explanation. One example of this lies with a HUD Home. Generally speaking, HUD homes are not something that people plan to purchase as there are risks that are associated with the purchase, however, some buyers are left wondering what a HUD home even is.<img src="https://assets.site-static.com/userfiles/1687/image/Untitled_design_85.jpg" width="400" height="335" alt="4 Risks of Buying a HUD Home" title="4 Risks of Buying a HUD Home" style="float: right; margin: 11px;" />
A Possible Foreclosure
A HUD home is a property that has been foreclosed and was originally purchased by the previous owners through an <a href="https://mylenderjackie.com/loan-programs/fha-loan-limits-for-multi-use-unit-homes/" target="_blank">FHA loan</a>. Generally speaking, a HUD Home will nearly always be cheaper than similar homes that hold a regular real estate listing, this can be for many reasons. The primary reason for this difference is that the HUD home has gone through the foreclosure process and that brings on a little risk for the new owners.
Is There Damage?
While it isn’t always the case, oftentimes when trying to purchase a HUD Home the property will be highly neglected or damaged as the previous occupants let the property go into foreclosure. This can be as simple as the carpets being stained, or as dramatic as the home needing a full gut. HUD homes were once extremely popular for those who wanted to purchase a cheaper property and then flip it to resell, however, HUD homes are now given priority to those who wish to purchase and occupy the home for more than 12 months.
Sold 'As-Is'
In addition to potentially needing a lot of work and repair, HUD homes are sold “As Is” which means that you cannot request any additional discounts for repairs or damages or requests for repairs to be made prior to closing. Should you decide you want to move forward with a HUD home make sure you are fully aware of the damages and repairs that are needed as they will not only be costly in most scenarios but also take time.
More: <a href="https://www.housesinomaha.com/blog/how-covid-19-is-affecting-appraisals/">How COVID is Affecting Appraisals</a>
Challenging Financing
Lastly, oftentimes securing financing to purchase a HUD home can be difficult. The most common way HUD Homes can be purchased is through an all-cash offer, and while this is surprisingly common, many buyers end up underwater due to the amount of cash needed to make the home more livable. Should you decide to purchase a HUD Home, you may end up getting the fixer-upper of your dreams and live our your days in a great space, however, with any home that is sold “as is” always be sure to do your due diligence and look into all repairs and costs that may be needed.
HUD homes are not all bad and sometimes with the right agent and the right financing, HUD homes can be a great deal. We urge all our buyers to be well-aware of all the risks and if they are prepared they may just snag a screaming deal!
Related: <a href="https://www.visionrealty.com/blog/what-to-expect-in-a-bank-owned-home/" target="_blank">What to Expect in a Bank-Owned Home</a>
Want a list of all the HUD homes in the <a href="https://housesinomaha.com/">Omaha real estate</a> market? Contact us below!
<a href="https://www.housesinomaha.com/blog/how-to-make-an-offer-on-a-new-construction-home/">How to Make an Offer on a New Construction Home</a>2020-11-11T08:28:00-07:002020-11-11T10:36:14-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:8067What the Real Estate Boom is Doing in Major Cities<img src="https://assets.site-static.com/userfiles/1687/image/Genius_7.jpg" width="400" height="600" alt="What the Real Estate Boom is Doing in Major Cities" title="What the Real Estate Boom is Doing in Major Cities" style="float: right; margin: 11px;" />The real estate industry has certainly faced its fair share of challenges in 2020, but it has also seen a number of phenomenal developments. For instance, the suburban housing market has experienced a dramatic boom of buyers interested in properties with more open land. Interest rates for buying a new home have declined dramatically, thereby driving up buyer interest in the market. However, another interesting development is the real estate boom happening in major cities across America.
According to <a href="https://www.forbes.com/sites/andrewdepietro/2020/10/26/the-hottest-housing-markets-right-now-in-2020/?sh=41dd49d5347c" target="_blank">Forbes</a>, there is a pattern occurring across the United States as it relates to areas of the country experiencing dramatic growth. More densely populated areas like New York City, which has been deeply affected by COVID-19, are having trouble keeping residents in their city; meanwhile, places in New England, the mid-Atlantic region, Texas, Idaho, Nebraska, and others are seeing vast numbers of people trying to move into their major cities.
Take Boise, Idaho, for example.<a href="https://www.ktvb.com/article/news/local/housing-market-influx-california-californians-buying-realtor-real-estate-inventory-demand/277-a11eec3a-8810-473b-a6ed-67a8d033f9d9" target="_blank"> KTVB reports</a> a huge spike among Californians wanting to move to the area. While the median price of a home in Boise is about $400,000, that is considered quite the deal among those who live in the Golden State. States like Nebraska have also seen their fair share of market prices rising steadily while available homes continue to decline. Our median <a href="https://housesinomaha.com/">home price in Omaha</a> right now is about $215,000, much more affordable than in the major east or west coast cities.
Why are major areas of the country experiencing this increase in demand among potential buyers? There are a number of reasons. First, <a href="https://www.matinrealestategroup.com/blog/how-interest-rates-means-you-can-afford-more-home/" target="_blank">low-interest rates</a> for buying homes are a major incentive. Whether you’re wanting to live out in the suburbs or in the big city, having that lower interest rate really makes the difference in the long run, particularly in how much you save on monthly payments. In these challenging economic times, any amount saved is considered a big win for home buyers.
Second, lower taxes and cost of living also play into these factors. California as a whole has some of the highest taxes in the country, not to mention the cost of living there has only increased. This would further explain the increased moves to states like Utah, Texas, and places in the Midwest.
Thirdly, job opportunities continue to grow despite the devastating impact of COVID-19. During the third quarter of 2020, the U.S. economy has grown at an annual rate of 33.1% from July through September alone as businesses seek to reopen and thrive again. Where there are jobs, there are people who need them; and relocating to those places continues to occur. Each of these developments presents a great opportunity for the real estate industry to provide good homes for eager buyers and substantial profits for those wanting to sell.
Bottom line; it's a great time to consider moving to some of these more affordable cities. Omaha is a great place to call home and we have several outlying cities like <a href="https://www.housesinomaha.com/elkhorn-ne-homes-for-sale/">Elkhorn</a>, <a href="https://www.housesinomaha.com/gretna-homes-for-sale/">Gretna</a>, <a href="https://www.housesinomaha.com/ralston-homes-for-sale/">Raltson</a> and <a href="https://www.housesinomaha.com/papillion/">Papillion</a>. Start your search here or contact us at any time for real estate information on our area. 2020-11-03T10:18:00-07:002020-11-03T12:41:14-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:799810 Key Questions to Ask When Buying New Construction Buying new construction can be exhilarating and fun. I mean, you get to design and construct the home from the ground up. And whether you are buying from a developer where you have limited options or going with a complete custom home on your own lot, there are some questions to ask before finalizing your new construction purchase. Here are 10 key questions to ask when buying new construction.<img src="https://assets.site-static.com/userfiles/1687/image/7_Issues_of_Concern_on_a_Sellers_Disclosure_Form_1.jpg" width="420" height="352" alt="10 key questions to ask when buying new construction." title="10 key questions to ask when buying new construction." style="float: right; margin: 11px;" />
Buying new construction can be exhilarating and fun. I mean, you get to design and construct the home from the ground up. And whether you are buying from a developer where you have limited options or going with a complete custom home on your own lot, there are some questions to ask before finalizing your new construction purchase. Here are 10 key questions to ask when buying new construction.
#1. What previous homes and subdivisions as the builder constructed?
Has the developer or builder constructed other homes in the area? Can you take a look at those homes to see the quality and construction design? Do you have references from recent buyers of that new construction? It's a good idea to take a look at what a builder has already constructed so you know how they design, where they might cut corners, and what the homes look like when they're finished.
#2. Do you offer a warranty?
Some builders and developers will issue limited warranties on their work either within the sales contract or purchase agreement. This also might be a separate document so it's definitely worth asking. Some developers may not automatically offer it but will choose to offer as an incentive to close the deal. Many types of warranties offer one year for labor and materials, two years for defects to systems such as HVAC, electrical, and plumbing, and 10 years for any structural defects. However, should you move in and find issues right away, you could typically contact the builder and have them repair or replace items immediately.
Read More: <a href="https://snohomishland.com/residential-news/the-extreme-importance-of-a-home-warranty/" target="_blank">The Importance of a Home Warranty</a>
#3. Are there any modifications I can make before closing on the home?
Depending on the level of customization, you may or may not be able to make certain modifications and changes. Make sure you see the plans, specifications, and an itemized bid of certain materials and items so you know how much everything costs. Many additional fees can quickly lead to up charges changing your budget dramatically. Ask about modifications and how they will affect the bottom line price.
#4. Can I have my own home inspector?
We always recommend having an inspection on new construction even though it is a new home. You never know what builders and contractors might overlook or completely forget altogether. You should always be able to have an inspector examine the property prior to closing and most lenders will require a certificate of occupancy for newly built homes before you can secure financing.
More: <a href="https://www.housesinomaha.com/blog/how-to-make-an-offer-on-a-new-construction-home/">How to Make an Offer on New Construction</a>
#5. Can I back out of the contract?
Ask about how to terminate the contract. This is a question you want to ask early in the process and before you sign anything. Most real estate deals that involve a new build purchase agreement will allow you to renegotiate if the house appraises for less than the sale price or the home inspection reveals significant issues and hazardous problems.
#6. Who is the contact person in charge of construction?
An experienced company even with an experienced owner may still put someone inexperienced on a new project build. It's important to know who is your contact person, which may in fact be the real estate agent. Make sure everyone involved has the necessary expertise and is accessible to you.
#7. When are extras paid?
Many of those upgrades and extras can actually be paid up front and not built into the cost of the home. This may or may not be a benefit and an advantage to you so it's important to understand all the ways that you can pay for the upgrades. Some contractors may actually split the schedule depending on the nature of the extra. Knowing what's expected of you is crucial to making sure you're not surprised when these costs are factored into the final bill.
More: <a href="https://www.wynnerealestategroup.com/blog/3-new-construction-upgrades-that-last/" target="_blank">3 New Construction Upgrades that Last</a>
#8. What happens if the completion date doesn't happen?
Builders are usually good at keeping to schedules in general, but, not everything can be predicted. You never know when weather, shipping, and in today's unique pandemic climate, things might be delayed. You need to know what happens if a completion date is missed and how the builder is prepared to handle it.
#9. How do you handle the final walk-through?
A final walk-through on new construction isn't necessarily the end result. You may find that there's an issue that needs correction even after the final walk-through. You'll need to find out when this will be scheduled and how it will be written into the completion schedule if something is not finished.
#10. Ask what your role is in the transaction.
Building a home is a two-way street Between the contractor or builder and the homeowner. Builders will need to be able to rely on you to respond in a timely fashion when it comes to questions about materials, finishes, and colors. You'll need to find out a communication system that works for both of you and then respond in a timely manner.
<a href="https://www.joehaydenrealtor.com/home-buyers/new-construction-listings/" target="_blank">Buying new construction</a> can be fun, but it also helps to understand your role, their role, and what happens if expectations are not met. Use these 10 questions to make sure that you feel comfortable and confident with your new construction purchase.2020-10-28T08:52:00-07:002020-10-28T11:13:14-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:78675 Things Buyers Wish They Knew About New Construction<img src="https://assets.site-static.com/userfiles/1687/image/5_Things_Buyers_Wish_They_Knew_About_New_Construction.jpg" width="410" height="344" alt="5 Things Buyers Wish They Knew About New Construction" title="5 Things Buyers Wish They Knew About New Construction" style="float: right; margin: 11px;" />Buying<a href="https://www.housesinomaha.com/new-construction-homes-in-omaha/"> new construction</a> can be fun; I mean, you can customize the home as it's being built with your own colors, designs, finishes, and materials. However, it can get stressful as well. Things rarely go as planned and budgets can get blown on occasion. Before jumping into new construction, make sure you understand everything about the process and what you're likely to encounter. Here are five things buyers wish they knew before buying new construction.
#1. Don't settle.
There are a lot of decisions to be made when buying new construction. Most of these you've never even thought of before down to the crown molding, trim, carpet or floor padding, and details nobody will even see. It can get so overwhelming that you end up settling for items you later regret. Take the time to be picky now. Unsure about that color? Make sure you have several samples and don't be afraid to redo it if it's just not working out. Trust me, spending a little bit more time now will avoid any regret or remorse later on.
#2. Plan for the future.
A lot of people plan their new construction for what they think they need now rather than in the future. Think about at least five years from now; will you need an additional garage space? Will you need <a href="https://aurorabuildings.com/quality-garden-sheds/" target="_blank">backyard sheds</a> or storage facilities? Do you want to install irrigation for a full lawn or gas lines to different parts of the house? Now is the time to do all of these items when they can be built into the cost of the home and can actually save you money in the long run.
Related: <a href="https://www.housesinomaha.com/blog/how-much-are-upgrades-on-new-construction-homes/">How much are upgrades in new construction?</a>
#3. Don't be afraid to ask questions.
You deal with a lot of different people when buying new construction including the developer, the builder, contract workers, decision-makers and agents, and you may not know who to ask when certain questions arise. Don't be bullied; ask questions and make sure you feel comfortable with the answers. Good contractors, builders, and agents will definitely direct you to the right answer even if they don't know it offhand. Don't be afraid to ask questions and feel confident about your purchase.
#4. Read the fine print.
Make sure you understand everything you are getting and this is why it is so crucial to have your own buyer representative when purchasing new construction. They will have your best interest at heart and will point out items that you may overlook. Ask about any guarantees and warranties that might come with appliances, materials, finishes, and what happens if something breaks or leaks as soon as you move in.
#5. Get and stay organized.
If you've got carpet samples on your coffee table, plans on your dresser, and swatches spread all over the house, not only will you not realize where you're at in the project but you'll naturally feel stressed and overwhelmed. Keep things organized and stay on track. You can use shared documents and Google docs or sheets to keep track of everything from approved additions to paint colors and flooring styles. If everything is written down and accessible to everyone on the project, no one can give the excuse that they didn't know or were told. Take pictures, write things down, and take notes on every conversation to be kept either in a binder or online in a shared folder. It might be a little bit more work to set up in the beginning but it will save a boatload of stress and headaches in the future.
We love helping folks find and purchase new construction throughout Omaha and surrounding towns, specifically with <a href="https://www.housesinomaha.com/woodland-homes/">Woodland Homes</a>. If you're looking to design your perfect home, start with one of these new construction <a href="https://www.housesinomaha.com/omaha/">communities in and around Omaha.</a> We love to help you find the perfect home for your needs.
Additional Resources:
<a href="https://sunsetbeachandbeyond.com/reasons-to-use-a-buyers-agent-when-purchasing-new-construction/" target="_blank">Reasons to use a buyer's agent when buying new construction</a>
<a href="https://www.christinabarnhart.com/blog/can-the-listing-agent-be-the-buyers-agent/" target="_blank">Can the Listing agent be the Buyer's Agent?</a>
<a href="https://www.matinrealestategroup.com/blog/portland-buyers-agent-save-thousands/" target="_blank">How a buyer's agent can save you thousands</a>
2020-10-20T09:40:00-07:002020-10-20T12:07:15-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:7836What to Know About Buying a Home After 50Buying a home after 50 is not impossible nor is it uncommon but there are some things to know before launching into homeownership, especially if you are over 40 to 45 years old. There are a lot of reasons you may have been putting off homeownership whether it's work, finances, or you just like to move without the responsibilities of buying and selling. But if you're planning on buying now, here are some important things to understand about buying a home after you are about 45 to 50 years old.
Be prepared<img src="https://assets.site-static.com/userfiles/1687/image/_t20_ywo4J0.jpg" width="400" height="267" alt="What to Know About Buying a Home After 50" title="What to Know About Buying a Home After 50" style="float: right; margin: 11px;" />
your credit score says a lot about you, at least to lenders. And that's what lenders look at. You want to know your credit score, history, and be prepared with some extra finances. Try to keep your credit score above 700 and if you're not quite there yet, take another 4 to 6 months and pay off some debts, save some money, yet leave available credit open so it looks like you are a responsible buyer.
Be realistic
Buying your first home after 50 may mean you'll get your dream home and it may not. But, getting into the real estate market, regardless of your age, will almost always pay off. Time the market correctly to find a home you want, save up some equity, and then you'll have a bigger down payment on a home that might meet more of your search criteria. Look at property tax in certain areas, find neighborhoods where you'd love to live, and do a little bit of research on utility costs, the size of the home you need, and how close you want to be to certain amenities or work.
Stay organized
Keeping all of your finances organized not only makes the entire home buying process and application process easier, but it shows lenders and mortgage officers that you're probably a pretty responsible person. If you are self-employed, having a profit and loss statement, having your W-2s or tax returns, and having a list of your assets and liabilities or something you'll need when applying for a home loan.
More: <a href="https://relocate.net/buyers/can-and-should-you-buy-a-house-after-retirement/" target="_blank" rel="noopener noreferrer">Should you buy a house after retirement?</a>
Be flexible
In addition to having all of your documents ready to go, you still need to be flexible. Lenders, title companies, escrow officers, and such will probably confirm your identity multiple times, especially if you have a common name, and still need to be flexible when it comes to looking at homes, inspection appointments, and appraisals. There are a lot of parties involved in buying and selling real estate so be flexible, kind, and ask questions if you don't understand certain things.
Find your own agent
You can always buy the home through the listing agent, but this is considered dual agency and that agent is not really looking out for your best interest. Have your own representation when it comes to buying a home. They get paid on the sale of whichever property you choose but having your own agent means that your negotiating tactics, your finances, and the way you play ball is all left confidential. It's difficult to get the best price when your agent is also the agent trying to sell the property.
For more information feel free to give us a call at any time. Our specialty is helping baby boomers, <a href="https://relocate.net/buyers/real-estate-and-home-buying-advice-for-seniors/" target="_blank" rel="noopener noreferrer">seniors</a>, and anyone over 50 buy and sell property in Omaha and surrounding areas
More Buying Advice:
<a href="https://wheretoliveinorlando.com/4-ways-a-home-inspection-could-go/" target="_blank" rel="noopener noreferrer">4 Ways the Home Inspection Can Go</a> - From Beth Atalay
<a href="https://gulfcoastalproperties.com/5-signs-youre-ready-to-buy-a-house/" target="_blank" rel="noopener noreferrer">5 Signs You're Ready to Buy a House</a> - From Gulf Coastal Properties
<a href="https://homeswithjean.com/home-buyers/can-the-listing-agent-and-the-buyers-agent-be-the-same/" target="_blank" rel="noopener noreferrer">Can the Listing Agent and the Buyer's Agent be the Same?</a> - From Jean Wawrzyniak-Fry
2020-10-16T06:32:00-07:002020-10-16T08:44:46-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:7706Elkhorn NE Real Estate Housing Market UpdateThe Elkhorn Nebraska real estate market is doing quite well, even in spite of the current housing climate across the country. Surprisingly, real estate sales are still up and home buyers and sellers are still making deals. If you're planning on buying or selling in Elkhorn, here are some market stats to know how to price your home, how quickly homes are selling and when is a good time to buy.
The median list price is between $400,000 and $410,000 making the median list price per square foot about $142. The median home value of the single-family home and condominium in Elkhorn is about $202,000, a 5.8% increase since last year at this time. Predictions suspect a 4.8% increase over the next 12 months.
However, inventory has dropped. There's only about 180 homes or properties for sale which is nearly a 20% decrease in inventory compared to last year. This means that home values are continuing to rise. What does this mean for buyers? Now would be a good time to buy before inventory gets even more scarce as we head into fall and winter.
The average sales price is about $411,000, which is an increase of about $3000 over last year. The average sales price compared to the asking price is 99.9%, a 2.2% increase in sales to list price. This means that those that list their property on average get 99.9% of the asking price, which is a great position for sellers to be in.<img src="https://assets.site-static.com/userfiles/1687/image/a-typical-middle-class-neighborhood-in-the-small-cities-and-suburbs-of-our-state-new-homes-houses-on_t20_KoavGv.jpg" width="400" height="267" alt="Elkhorn NE Real Estate Housing Market Update" title="Elkhorn NE Real Estate Housing Market Update" style="float: right; margin: 11px;" />
Days on the Market
Days on the market has also dropped to about 100 days. This is a 20-day decrease in days on the market compared to last year. This is from actual listing the home on the market until the home closes. In general, it takes about 30 to 45 days to get an offer and another 30 to 60 days to close. This is a good absorption rate, meaning that within about 2 to 3 months if no more homes were listed on the market, the entire market would extinguish its listings.
According to other real estate predictions, the median days on the market is just 34, which is even better for sellers. However, as we head into fall and winter, home sales will naturally start to slow down so if you're planning on selling, now would be the time rather than waiting until December or January when most homebuyers put their search on hold.
For buyers and sellers, even though school has started, homes are still being sold, listed, and purchased. Now would be a great time to find out what your Elkhorn home is currently worth or consider buying a home in Elkhorn. There are plenty of new construction homes still on the market with Woodland Homes in a variety of subdivisions and developments throughout Elkhorn and <a href="https://www.housesinomaha.com/omaha/">Omaha</a>. Contact her office below for more details on the <a href="https://www.housesinomaha.com/elkhorn-ne-homes-for-sale/">Elkhorn real estate</a> market, buying or selling or any <a href="https://www.housesinomaha.com/woodland-homes/">new construction</a>.2020-10-02T06:18:00-07:002020-10-02T08:30:39-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:7621Can and Should You Buy a House After Retirement?<img src="https://assets.site-static.com/userfiles/1687/image/How_to_Start_Saving_Money_for_a_House_11.jpg" width="800" height="450" alt="Can and Should You Buy a House After Retirement?" title="Can and Should You Buy a House After Retirement?" style="margin: 11px;" />
This isn't for everyone but there are a lot of situations where folks decide to buy a home after retirement. One such recent customer decided to sell in a high-priced area while the market was good, rent in a different part of town for a couple of years, and then move out of state once his adult children had children of their own. Because he was tentative on living in a location permanently, he decided to sell, stuff the money into a bank or retirement fund, and wait until the right time to move and buy a house in the new location. This is actually a pretty common scenario so what are some drawbacks or pros and cons to buying a home after retirement?
Determine your income.
Typically, retirees have a set amount of income. They are on a fixed income and even if you have retirement accounts paying you annuities or monthly interest, you still have a fairly fixed amount. This is good and bad for lenders. They at least know exactly how much you have coming in but because you don't have a paycheck, you might not be able to qualify for a typical mortgage.
For retirees who are following a plan where they are now retired but maybe delaying the start of Social Security, the most favorable mortgage option is a drawdown on assets. This means that as long as the borrower's 59 1/2, the lender can use recent withdrawals from the retirement accounts as proof of income.
Another option is the asset depletion method. This might be used for retirees with a lot of invested assets. The lender will start with the current value of financial assets and subtract any amount that will be used for the down payment and closing costs. Lenders will take 70% of the remainder in divided by 360 months. Any other type of income such as pensions, monthly annuities, and of course, so security will also be counted in addition to any and come from assets above.
The debt to income ratio will also be determined. Most lenders want no more than 43% of your income to go towards debt including your housing. And most of the time, they require less than 30% of your income going to your housing expenses.
Determine credit score requirements.
Each lender will have its own credit score guidelines. Typically a score of 580 or lower may need additional assistance or support. Those with 680 or higher might have better terms and if you have a credit score of 780 or more, you should be able to get the best rates and terms.
Related: <a href="http://blog.keytothebay.com/tri-valley-home-buyers/5-ways-can-protect-credit-score/" target="_blank" rel="noopener noreferrer">5 Ways to Protect Your Credit Score</a>
Down payment.
Down payment will also be an issue. For the drawdown method in retirement, you can put as little as 5% down. For the asset depletion method plan on putting at least 30% down. Of course, if you do what our example buyer has done, you probably have quite a bit in the bank from the sale of your previous home and are able to roll that into a down payment.
Additional
Other requirements for retirees buying a home could be the amount of post-closing assets that you have available. Many lenders want to see that retirees have at least six months of total housing income and a minimum remaining reserve after you've purchased the property. The lender will add up all the financial assets that can be verified in the news 60 to 70% of that amount.
Veterans also have other options. You may be capable of obtaining a <a href="https://mylenderjackie.com/purchasing-a-home/va-loans-extremely-beneficial-to-military/" target="_blank" rel="noopener noreferrer">VA loan</a> where you can put zero down but instead of paying a down payment, you'll have a funding fee which can be 2.15% of the loan amount, especially for first-time users of the program. This jumps to 3.3% if you've had a prior VA loan.
My suggestion is that you check with your lender and your financial advisor about the best way to go about purchasing a home after retirement. There are a lot of different options and it's important to educate yourself on the programs, assistance plans, and other options that might be available to you. You want to stay secure throughout your lifetime and buying a home now might be a great option. Weigh out all of the costs, talk to a lender that is familiar with these types of programs, and give us a call at any time for direction on where to start, how to get a loan after 50, and a great location in the <a href="https://www.housesinomaha.com/blog/what-new-construction-does-and-doesnt-have/">Omaha real estate</a> market and<a href="https://www.housesinomaha.com/elkhorn-ne-homes-for-sale/"> Elkhorn</a> area.<a href="https://relocate.net/"><br /></a>
<a href="https://www.housesinomaha.com/contact/">Talk to a Lender or Agent Now</a>
More Advice for Buyers
<a href="https://www.housesinomaha.com/blog/should-you-buy-an-older-home/">Should you buy an older home?</a>
<a href="https://www.housesinomaha.com/blog/should-we-build-or-buy/">Should you build or buy?</a>
<a href="https://www.housesinomaha.com/blog/what-new-construction-does-and-doesnt-have/">What New Construction Does and Doesn't Have</a>
<a href="https://condosales.com/10-tips-buying-new-construction-condos/">Top 10 Tips for Buying a New Construction Condo</a>
<a href="https://pcbeach.com/condo-buying-tips/4-things-retirees-should-know-before-buying-a-vacation-home/">4 Things Retirees Should Know Before Buying a Vacation Home</a>
Check out the newest area listings below2020-09-22T09:24:00-07:002020-09-22T11:32:46-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:7577How COVID-19 is Affecting Appraisals<img src="https://assets.site-static.com/userfiles/1687/image/How_to_Dry_Out_a_Flooded_Home_4.jpg" width="1200" height="675" alt="How COVID-19 is Affecting Appraisals" title="How COVID-19 is Affecting Appraisals" style="margin: 11px;" />
We already know that this coronavirus is <a href="https://parklandpowerteam.com/current-blog/how-covid-19-is-creating-shifts-in-real-estate/" target="_blank" rel="noopener noreferrer">changing the face of real estate</a> and the longer we are in lockdown, the more dramatic the change could be but it's also affecting home appraisals. The appraisal is an important process in the mortgage application and its changing rapidly as well. In some situations, appraisers have hazmat suits to walk through high-end properties, and in some cases, homeowners are connecting by virtual meetings and face time to give tours to appraisers who are no longer visiting homes in person.
The mortgage giants Fannie Mae and Freddie Mac are skipping appraisals altogether for certain borrowers just to keep the real estate market afloat. While most mortgage companies won't tell you exactly who qualifies for a mortgage without an appraisal, many agencies and brokerages have expanded their appraisal waivers. Most of these properties have lower loan-to-value ratios and no other red flags.
In the past, only about 10% of borrowers actually qualified for appraisal waivers but now that is up to nearly 33%.
So who qualifies for this appraisal waiver?
Obviously, if there's no appraisal, the borrower doesn't have to pay for one, which varies from about $450-$650. Because of this, the buyer doesn't need to schedule an appraisal or worry about the estimated value of the home coming in too low. Most homeowners and <a href="https://www.housesinomaha.com/buyers/">homebuyers </a>are not unhappy about this but of course, the appraisal industry will be hurting as it will cause a reduction in their business.
Unfortunately, there's no definitive checklist about who qualifies for an appraisal waiver, and Fannie Mae and Freddie Mac have not given any clear guidelines. Credit scores, borrower's assets, and loan-to-value ratio are usually the most important variables. If it's fairly easy to see that a home is valued appropriately based on similar properties in the area and sold homes, chances are we could do an appraisal waiver. Those borrowing less than 70% of a property's value have the best chance of an appraisal waiver.
Related: <a href="https://mylenderjackie.com/loan-programs/using-a-construction-loan-to-build-your-dream-house/" target="_blank">How to use a construction loan to build your dream home</a>
Properties that are a little more difficult to value our older homes and those in mixed-use neighborhoods where you can't get a good idea of similar properties or comparable homes.
The process is changing rapidly and each transaction is different so communication between all parties is essential for what works for the buyer and seller. Wells Fargo has stopped ordering interior appraisals for all properties except new construction. Drive-by appraisals and Zoom meetings have sufficed in a lot of situations.
"While a video walk-through isn't the same as an in-person visit, it can give some peace of mind to appraisers who worry that optimistic valuations might lead to legal issues down the road.
"There's a difference between believing something is correct and knowing something is correct," Garber says. "If you're going to sign your name to this thing, you're going to have spend more time on research."" [<a href="https://www.msn.com/en-us/money/realestate/coronavirus-is-changing-home-appraisals-and-some-borrowers-dont-need-them/ar-BB13ngkm" target="_blank" rel="noopener noreferrer">Source</a>]
For more information on waiving the appraisal, contact us anytime. We specialize in <a href="https://www.housesinomaha.com/woodland-homes/">new construction in Omaha</a>, <a href="https://www.housesinomaha.com/elkhorn-ne-homes-for-sale/">Elkhorn homes</a> and <a href="https://www.housesinomaha.com">Omaha real estate</a>2020-09-17T09:14:00-07:002020-09-17T11:20:29-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:75105 Great Ideas for Your New Construction HomeOmaha and elk or Nebraska have so many new home construction developments around the area that finding a brand-new home might leave a lot of new homebuyers wondering, what can I do with the space? These new homes have a lot of extra space and maximize the square footage within the homes so well that you may be wondering what to do with all that extra space. Most of these new homes have open floor plans and open concept kitchens and family rooms but if you need other types of rooms in the home may you may be wondering how to set up the layout. Here are five great ideas for your new construction home.
<img src="https://assets.site-static.com/userfiles/1687/image/home-construction-with-hot-red-and-cold-blue-pex-pipe-layout-in-pipes-and-exposed-beams_t20_pLnjZW.jpg" width="1017" height="678" alt="5 Great Ideas for Your New Construction Home" title="5 Great Ideas for Your New Construction Home" style="margin: 11px;" />
#1. Decide on wall placement.
If you are in the designing stages of your home and the walls have not been set up yet, now is the time to decide whether you want well-defined boundaries separating each room or if you want a more open concept area. Many of the new home builders throughout Omaha have several layouts to choose from so decide on your lifestyle and what works better for your day-to-day living. Do you prefer to make dinner while you can watch the kids in the living room or family room, watch TV, or be a part of the activities when you have guests over? Do you prefer the kitchen to be tucked away, so the mess stays in the kitchen, not out with your guests or your family? Deciding on the wall placement is definitely one of the first things to decide when constructing a home.
<img src="https://assets.site-static.com/userfiles/1687/image/twenty20_bba4754e-6e84-4274-9c45-8b81cfb7ee36.jpg" width="913" height="744" alt="5 Great Ideas for Your New Construction Home" title="5 Great Ideas for Your New Construction Home" style="margin: 11px;" />
#2. Don't forget closet space.
Most of us have a hard time determining how much space you'll really have when there's no walls for reference. If you have the option to go for a closet in the master bedroom, which most homes do, you can consider having a dual closet for you and your partner, walk-in closets, or more built-in space to allow for storage. You might think a standard closet is enough but once you have a large closet, you'll wonder what you ever did without it.
<img src="https://assets.site-static.com/userfiles/1687/image/business-working-technology-home-work-working-at-home-home-office-tech-desktop-workspace-quarantine_t20_7mnnn4.jpg" width="1010" height="673" alt="5 Great Ideas for Your New Construction Home" title="5 Great Ideas for Your New Construction Home" style="margin: 11px;" />
#3. Consider an office.
With so many more of us working from home, the need for a home office is greater than ever. Decide how many hours you're planning on spending at an in home office and how you'll use that space for other things if necessary. Will that need to be away from the rest of the family to provide a quiet work environment? Will you need built-ins? How big will you need it and will you want multiple windows to allow for natural light and viewing of the outside?
<img src="https://assets.site-static.com/userfiles/1687/image/calm-chair-coffee-comfort-communication-connection-cozy-workplace-cup-drink-employee-enjoying-time_t20_VWrrLb.jpg" width="1047" height="698" alt="5 Great Ideas for Your New Construction Home" title="5 Great Ideas for Your New Construction Home" style="margin: 11px;" />
#4. Consider an indoor garden.
Again, with more of us staying at home, the need for activity and varied lifestyle is more prevalent than ever. The idea of an indoor garden can be elegant and sophisticated. Ceiling plants, wall gardens, and indoor/outdoor living environments are becoming more popular. They offer a healthy lifestyle and the abundance of greenery and oxygen throughout your home as a more calming environment to the household in general.
<img src="https://assets.site-static.com/userfiles/1687/image/snoozing-in-the-kitchen-by-the-fireplace-great-dane-dog-rltheis_t20_lorgdb.jpg" width="990" height="707" alt="5 Great Ideas for Your New Construction Home" title="5 Great Ideas for Your New Construction Home" style="margin: 11px;" />
#5. Flooring.
Don't neglect this important piece of the puzzle. Sometimes carpet or even hardwood floors are an afterthought but you need to consider your lifestyle now before putting in new flooring. Do you want the home to have a cooler feel? Hardwood flooring or tile might be a better option. If you're looking for more of a warmer touch, carpet might be ideal in the bedrooms and family rooms. Take a look at model showrooms so you have a better idea of which flooring goes with which room best.
Designing a home from the ground up can be stressful but don't neglect these five simple tips and ideas. By hurrying through the process, you may end up regretting some of your decisions later on. Take the time to find the best features, design, and materials for your lifestyle both now and in the future.
More Tips for New Homeowners:
<a href="https://www.kellihowison.com/home-buyer-tips/6-week-checklist-for-moving-into-a-new-home/" target="_blank">6 Week Checklist for Moving</a>
<a href="https://www.wynnerealestategroup.com/blog/3-new-construction-upgrades-that-last/" target="_blank">3 New Construction Upgrades That Last</a>
<a href="https://nordicforthehome.com/home-additions/" target="_blank">Tips on Home Additions</a>
2020-09-10T08:46:00-07:002020-09-10T11:20:23-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:7457Should You Install Artificial Grass?We all know that landscaping helps increase both your curb appeal and value, however, some homeowners are currently wondering if installing turf will benefit them or affect their value negatively. When thinking of turf, or artificial grass, often you think of a football stadium, indoor soccer, or other sporting arenas, however, artificial grass has become wildly popular among homeowners in the recent years. The main thing to know when it comes to artificial grass is there is good and bad turf.<img src="https://assets.site-static.com/userfiles/1687/image/homes-and-neighborhoods-outdoor-living-spaces-the-backyard-living-space-of-a-two-story-single-family_t20_zLK83X.jpg" width="400" height="288" alt="Should You Install Artificial Grass?" title="Should You Install Artificial Grass?" style="float: right; margin: 11px;" />
While you can often find recycled and used turf and are ready to start your DIY yard renovation, unfortunately without the proper equipment, installation, knowledge, and high-quality grass, your job may end up looking far less than appealing, and thus lower the value of your home. In order to install turf correctly, there is a lot of prep work that needs to be done including the removal of any current landscaping, leveling, packing, raking, laying a weed barrier, planning drainage, etc. It isn’t a simple task. In order to get quality turf that will not only last, but also be visually appealing, you’ll be spending a pretty penny, but no need to fear, with proper installation and good quality, your yard is sure to be green year round and will look freshly mown without giving off the appearance of being “fake” and thus, could increase your home's value.
Related: <a href="https://vpro-construction.com/home-improvement/decking-materials-dream-deck/">Best Decking Material to Create Your Dream Deck</a>
<img src="https://assets.site-static.com/userfiles/1687/image/_t20_O0LvPp.jpg" width="400" height="259" alt="Should You Install Artificial Grass?" title="Should You Install Artificial Grass?" style="float: left; margin: 11px;" />When it comes to choosing your artificial grass, you should always be picky. If you have pets, look into grass that is specifically engineered to provide extra drainage and is easily cleanable for any messes that may arise, likewise, if you have kids that run around barefoot make sure to look at temperature-controlled turf (it can get HOT!) and so on. Another thing to keep in mind is your HOA if applicable. Often, they will only allow a certain style or blade length when it comes to artificial grass so you will want to ensure that you are staying within the guidelines.
While it is possible to have a successful DIY turf project, this will require a lot of research and patience. Installation is vital to the longevity and appearance of your yard. If you are wanting a perfectly manicured yard, spending the extra on installation might be a better choice, whereas if you are working on a small area of your back yard, self-installation might be easier to get away with. Contrary to common belief, installing turf isn’t as simple as rolling out a perfect yard, there are seems, yard nails, directional pattern changes, edges, and bubbles that all require extra care during installation to ensure your project is not only visually appealing but also durable.
Related: <a href="https://www.pressureperfectaz.com/what-use-pressure-washer/" target="_blank">What can I use a pressure washer on?</a>
For more information on ways to improve your home or for looking at new construction homes in and around Omaha,<a href="https://www.housesinomaha.com/contact/"> schedule a consultation</a> with one of our experts.
More Tips: <a href="https://firstfruitslandscaping.com/maintenance/care-newly-seeded-lawn/" target="_blank">How to Care for a Newly Seeded Lawn</a>2020-08-31T11:48:00-07:002020-08-31T14:06:07-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:7320How to Make an Offer on a New Construction Home?You've decided to buy a house. This is a very exciting time and maybe you've been weighing the differences between a new construction home versus an existing home. The new construction home can definitely be exciting because you can pick and choose just about everything from the flooring to the paint color, countertops and cabinetry. But is there anything different about making an offer on a new construction home versus an existing one?<img src="https://assets.site-static.com/userfiles/1687/image/the-building-inspector-at-new-homes-under-construction_t20_zLrEkJ.jpg" width="400" height="261" alt="How to make an offer on new construction" title="How to make an offer on new construction" style="float: right; margin: 11px;" />
We always recommend having a <a href="https://www.housesinomaha.com/about/">real estate agent</a> that is well-versed in buying new construction when it comes to making an offer. There are a few things that are slightly different so it helps to have an agent that really understands the process and can offer tips and advice along the way. This, I would say, is one of the first things you should do. Find a real estate agent that represents you, helps you with the negotiation process and is extremely familiar with making an offer on new construction.
An experienced new construction Realtor® will have the inside scoop as to the area, pricing and upgrades!
It's also a good idea to brush up on the home buying process. Once you have enlisted the help of a buyers agent, you'll need to discuss financing with a lender you trust and feel comfortable with. They will give you an idea of how much home you can afford based on your income, debts, assets, and liability, and then you can begin looking at homes. But once you find that home, homesite, or a property that's under construction, how do you go about making an offer?
You'll also want to visit several model showrooms to see the general layout of the builders, how they design and if you like the floor plans.
Writing up an offer on new construction is fairly similar to an existing home. You'll need all of your identifying information such as who's buying, who's selling (the builder), the legal address of the property, how much your offering, and parties involved including title, lender, and escrow.
Can you negotiate the price?
Consider negotiating upgrades, not necessarily the price. Many builders and developers don't like to come down on their price because they have set a certain price that is a standard throughout the development, however, you may be able to get deals on upgrades and additions. Many builders can throw things in like a $10,000 credit at their design center for custom cabinetry, lighting, and paint colors.
Ask about any warranties or guarantees. Many new home construction developments may offer a one-year warranty on appliances and other items in the home such as HVAC systems, air conditioning systems, roofs, siding, or foundation.
More: <a href="https://www.housesinomaha.com/blog/how-to-be-a-mortgage-lenders-favorite-client/">How to be your lender's best client</a>
Do I still need to include the home inspection contingency?
While you might think that <a href="https://www.housesinomaha.com/new-construction-homes-in-omaha/">new construction homes</a> are perfect in every way, it's important to know that contractors and builders are still human and they can make mistakes. We always suggest having a<a href="https://camanoislandrealestate.com/buyers/do-i-need-a-home-inspection-on-my-camano-home/" target="_blank"> home inspection</a> on your property, not only to check for any mistakes, but this is one of the biggest investments you'll own. It only makes sense to learn as much as you can about the construction of your own property. Home inspections are typically out-of-pocket costs, but not having one and finding mistakes later, could be much more expensive. Now is the time for builders to repair, correct, or fix any issues, typically free of charge.
More: <a href="https://www.housesinomaha.com/blog/what-new-construction-does-and-doesnt-have/">What New Construction Has and Doesn't Have</a>
Once you have created a solid offer, your real estate buyers agent will submit it to the builder/seller. They can either approve or reject the offer or submit a counter offer altering some of the terms. This negotiation can go back and forth for as long as both parties are willing to put in the time, and most parties have three days to respond. If those three days expire without an agreement, the offer is terminated, unless both parties agree to keep it going in writing. The negotiation happens and tell both parties have mutually accepted the offer.
Once the offer is accepted, the buyers earnest money gets deposited with either title and escrow or the brokerage for the agents. This will go towards a credit on purchasing the home as will your down payment at closing. Your lender will offer a good faith estimate on closing costs and the deal will move on to inspection and then pending. There are a lot of ways to get out of the transaction throughout the buying process should you need to. And this is another reason to enlist the help of a buyers agent. They can offer tips and suggestions on getting your earnest money back or if the home inspection simply reveals something you're not willing to deal with.
If you're ready to make an offer on a new construction home or have more questions about negotiations and how you can get the home you want for the right price, contact our office at any time.2020-08-14T07:44:00-07:002020-08-14T14:08:07-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:7235How Much Are Upgrades on New Construction HomesWoodland Homes offers a variety of designs and styles throughout the Omaha and Elkhorn area. We have several different designs to choose from as well as multiple upgrades. Here are the most common models of Woodland Homes:
Casa Bella<img src="https://assets.site-static.com/userfiles/1687/image/10722s126ct_003_web-2-1-1030x687.jpg" width="400" height="267" alt="Woodland Homes in Omaha" title="Woodland Homes in Omaha" style="float: right; margin: 11px;" />
This large, open floor plan design is perfect for those with a large family or looking for a lot of space. It features a large kitchen island and a spacious dinette just off of the kitchen perfect for family meals, casual dining, or breakfast. Most homes feature a fireplace, hardwood floors, sliding door, and downstairs entrance off the kitchen and living room. There are several cubbyholes, built-ins, pantries, and storage areas making it ideal for tucking away those unwanted items. Most homes feature a bedroom or office area just inside the front door with a general bathroom for the first level. Downstairs, there's another fireplace and spacious family room complete with wet bar, refrigerator, bedroom, and bathroom. The downstairs also opens out into the backyard, making it ideal for a separate entrance or just more room.
The Casa Bella can be customized in<a href="https://www.housesinomaha.com/the-cove-at-north-shore-homes-for-sale/"> the Cove neighborhood of Omaha</a>.
Cabernet
<img src="https://assets.site-static.com/userfiles/1687/image/104_0014-1030x773.jpg" width="400" height="300" alt="Woodland Homes in Omaha" title="Woodland Homes in Omaha" style="float: left; margin: 11px;" />The Cabernet floor model features an extra mudroom for storage and cleanup as well as an additional office and powder room. It has an upstairs with the master suite, en suite, large sitting room with fireplace, and a large luxury master bath dual vanities and a separate tub and shower. There are three more bedrooms each with a walk-in closet. Similarly, there's an open floor plan, large kitchen island, and a couple of dining areas.
The Cabernet design can be customized in the <a href="https://www.housesinomaha.com/aspen-creek-north/">Aspen Creek North</a>, and <a href="https://www.housesinomaha.com/westbury-farm-homes-for-sale/">Westbury Farm</a> neighborhood.
Louden<img src="https://assets.site-static.com/userfiles/1687/image/P72A8929-1030x687.jpg" width="400" height="267" alt="Woodland Homes in Omaha" title="Woodland Homes in Omaha" style="float: right; margin: 11px;" />
The Louden model is ideal for smart storage and useful amenities featuring a ranch-style design with a daylight basement. It offers a floor-to-ceiling fireplace with a decorative box beam ceiling and a large kitchen island perfect for casual meals or entertaining. It also features an outside patio and a first-floor master suite with the Lux luxury bathroom and an ideal lower level with another family room, open bar, media room, corner fireplace, and two large bedrooms with walk-in closets and full bath with two vanities.
The Louden model is available at <a href="https://www.housesinomaha.com/westbury-farm-homes-for-sale/">Westbury Farm</a> in <a href="https://www.housesinomaha.com/elkhorn/">Elkhorn</a>.
Ashley
<img src="https://assets.site-static.com/userfiles/1687/image/image-113-1030x685.jpg" width="400" height="266" alt="Woodland Homes in Omaha" title="Woodland Homes in Omaha" style="float: left; margin: 11px;" />The Ashley design is a simple yet functional layout offering ease and relaxation. It has a lower level with a daylight basement in many designs, large recreational or family room, a fireplace, wet bar, and a master bedroom located right off the living room with his own spacious bathroom and walk-in closet. It features a laundry room off the master closet perfect for organization.
(Check with our office on specifics for where the Ashley is currently available)
Lilac<img src="https://assets.site-static.com/userfiles/1687/image/P72A8603-1030x687.jpg" width="400" height="267" alt="Woodland Homes in Omaha" title="Woodland Homes in Omaha" style="float: right; margin: 11px;" />
The open concept design of the Lilac Ranch Villa offers gorgeous stone fireplaces, a great room, a rec room in the lower level, and a large family area with a kitchen, living room and dining space all in one. It offers a walk-in pantry, kitchen island, and an outdoor covered patio perfect for entertaining or relaxing and enjoying your backyard.
(Check with her office on specifics for where the Lilac is currently available)
As with all of our Woodland Homes Models, customizations include quartz or granite counters, upgraded flooring including carpet, hardwood, or laminate, additional crown molding, wainscoting, upgraded fixtures, finishes, hardware, lighting, recessed lighting, and additional rooms depending on the model. Each of these upgrades add various fees to the overall cost of the home.
One final note; we encourage all of our new construction home buyers to carefully consider their upgrades now while they can. Upgrading now and having it included in the home price and your monthly mortgage payment will mean less money overall. Many people prefer to add upgrades now and have the upgrade included in their mortgage payments. Most people are very glad they decided to go with an upgraded home. Feel free to talk to one of our agents about <a href="https://www.housesinomaha.com/new-construction-homes-in-omaha/">new construction homes in Elkhorn</a> and Omaha, specifically <a href="https://www.housesinomaha.com/woodland-homes/">Woodland Homes</a>, Omaha's premier homebuilder.2020-08-03T09:22:00-07:002020-08-03T11:51:07-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:718010 Hidden Costs of Buying New Construction HomesPurchasing newly constructed property requires just as much attention to detail as you would give to a previously owned but renovated home, probably even more in some cases. While the idea of owning a brand-new home, with everything shiny and freshly installed can cause some excitement, the adage “all that glitters isn’t gold” is one to keep in mind when inspecting newly constructed property.
What exactly should you look out for when you’re on an inspection? Here are ten suggestions:<img src="https://assets.site-static.com/userfiles/1687/image/photodune-922023-new-house-xs.jpg" width="407" height="272" alt="10 Hidden Costs of Buying New Construction Homes" title="10 Hidden Costs of Buying New Construction Homes" style="float: right; margin: 11px;" />
1. Extras:
Not all features on display in a model home are automatically included when the actual house is purchased. It may be that certain finishes, counters, or tiling will only be available at extra cost. Thus, you should ensure to make enquiries on what the house will actually be like at base price and confirm that the features that catch your eye will be available on purchase. It will be disappointing, to say the least, to buy a house only to find that it bears the barest resemblance to the show house and you have to spend several thousand dollars more than you budgeted to make it look just as decent.
2. Missing essentials
New construction homes may miss essential features such as window covers or blinds, appliances e.g. fridges, and may have little to no landscaping carried out on the exterior. New construction homes that are still in the process of construction and can be customized to buyer tastes usually come with a builder’s obligation contract which states the things that will be included in the final model. It is also recommended that you ask about features you consider important but are not mentioned. Getting a breakdown of the features and quality of said features that will come with your purchase on construction will help you determine whether the property fits your budget or whether you should move.
3. Homeowner fees
Some communities have associations where homeowners are required to pay periodic fees. The frequency of the fees and the amount paid is peculiar to each community. Ensure to ask about these when making inspections.
4. Repairs
That a house is brand new does not mean that it is impossible for it to need repairs. It may happen that low-quality materials were used during construction of certain items, or accidents can happen and you may discover on moving in that portions of the floor tiling or the wall have cracks. The good thing is that most new construction homes come with warranties, however, you should check what type of damage the warranty covers and how long it lasts for.
5. Upgrades
While builders are obligated to provide basic features and some extras, it may be that these features are of lower quality material than average and you’d be better off over the long term, if the house is a partially constructed customizable one, requesting the use of higher quality materials in the making of these features. Examples include door-knobs, tiling, and countertops among others.
6. Shifty builders
There are a variety of builders out there and not all of them follow the standards when it comes to construction quality, and not all have a solid reputation. Doing some research on the builders offering you the home will go a long way in reassuring you that you’re getting value for your money, as well as ensuring that you won’t need to be spending any unforeseen extras making repairs because corners were cut during construction.
7. Property tax
New construction homes, courtesy of their pristine nature, are prone to demanding higher property taxes than old houses of similar size in the same neighborhood. Considering that property tax tends to rise over time, this factor could make the maintenance of your home a very costly affair in future. There’s also the issue of property taxes being estimates that can be increased when construction on the house is completed.
8. Delay
Buyers of new construction homes that are early enough in the construction process to offer the option of customization, may suffer delays in completion of the house. While unlikely, it is still possible for builders to suffer setbacks during the construction process and thus make the process of moving intake a lot longer than is necessary or planned.
9. Painting
New construction homes typically come in one color. Most builders offer the option of adding more colors to the paint scheme at extra costs. Doing the painting yourself is also a viable option that may cost less, but some builders do not allow DIY painting until construction is complete.
10. Homeowners insurance
Buyers coming from a rented apartment may be taken unawares by the difference in price between homeowner's insurance and renter's insurance. According to research carried out by <a href="https://www.valuepenguin.com/homeowners-vs-renters-insurance" target="_blank">Value Penguin</a> a financial analysis firm, the average annual homeowner’s insurance price nationwide is $1,083, while that of the renter’s insurance is $187.
For more information on <a href="https://www.housesinomaha.com/elkhorn/">new construction homes in Elkhorn</a> and <a href="http://www.housesinomaha.com">houses in Omaha</a>, Contact us below.2020-07-25T13:15:00-07:002020-07-25T15:20:58-07:00Mark Ciochontag:housesinomaha.com,2012-09-20:70215 Reasons Millennials Should Stop Paying Rent NowMillennials are buying. And they're buying homes. Real estate is a great investment for millennials and for years we didn't see them buying anything but now, they are getting married, having kids, and buying their first home. Many have been renting for years and while there are <a href="http://www.portlandonthemarket.com/blog/renting-always-waste-money/" target="_blank" rel="noopener noreferrer">good reasons for renting</a>, it's now time to buy. Why buy? Here are 7 good reasons Millennials might want to buy now.<img src="https://assets.site-static.com/userfiles/1687/image/millennial-girl-on-phone-with-dog-at-home_t20_xvVKol.jpg" width="400" height="267" alt="5 Reasons Millennials Should Stop Paying Rent Now" title="5 Reasons Millennials Should Stop Paying Rent Now" style="float: right; margin: 11px;" />
#1. It doesn't cost as much as they might think.
Buying and owning may not break the bank. There are a lot of great loan programs out there and unique financing for people. USDA home loans allow for zero down loans and FHA requires only 3.5%, some of which may be built into the cost of the loan. There may be great opportunities for first-time buyers and lots of tax incentives, credits, and deductions for homeowners. If you plan on staying in a home for several years, buying might be ideal.
#2. Rates are still historically low.
We haven't seen rates this low for this long .... ever! It's been a great time to buy for a while now and although home prices are on the rise, rates are still incredibly low. The better your credit history, the lower your rate. Now is a great time to <a href="http://mylenderjackie.com/lock-mortgage-rate/" target="_blank" rel="noopener noreferrer">lock in a perfect rate</a>.
#3. You have a lot more freedom.
Apartments won't let you have Fido? No restrictions when you own a house! Of course, if you choose a condo or a strict HOA, you may have other restrictions but normally, when you own a house, you can have those pets you've always wanted. You can also do a lot of other things that you can't do when you rent. You can usually paint the walls, Tear out a wall, do some major construction or remodeling, or install any type of appliances or materials you want. Of course, if something breaks, you are responsible for it, one of the downsides to owning versus renting.
#4. A lot of people are doing it.
Okay, I know this sounds crazy and it's not the old adage, "if everybody jumped off of the bridge would you too"? But, there are a lot of people including your millennial friends that are buying houses. It's a great time to get started on building equity and a future in real estate. You may not be building up a huge real estate portfolio, but you are adding equity and earning money for yourself simply by living in your own investment. In 10 years, you'll be further along with more money saved in your investment then you're renting counterpart.
#5. Not letting someone else make money off of you.
You've probably heard that if you are renting you are simply paying someone else's mortgage, and that's true. While there are reasons to rent, if you're planning on being in a home for 5 to 10 years, you might as well start putting that money away for you rather than someone else.
We work in the Elkhorn and Omaha area and have helped hundreds of first-time homebuyers purchase the property of their dreams. It's a great place to start and I have the keys and the tools to help you get the right loan and the right terms the work for you both now and in your future. Call us today! 2020-06-29T09:58:00-07:002020-06-29T12:05:07-07:00Mark Ciochon