Recently released government data for 2011 from the Home Mortgage Disclosure Act (HMDA) shows just how tight mortgage credit has been. Incomes of prospective purchasers have increased since 2004, but the loan to income ratio has declined. The median … [Read more...]
Will the Mortgage Forgiveness Act Be Extended?
The Mortgage Forgiveness Debt Relief Act of 2007 is set to expire at the end of the year. The act allows taxpayers to be excluded from paying taxes on forgiven debt in certain situations. As their website explains: “The Mortgage Debt Relief Act of … [Read more...]
Home Buyer Compromises
Recent home buyers are often willing to make sacrifices when purchasing a home. The most common sacrifices are compromising on the price, size and condition of the home they purchased. Those who have children under the 18 in their home are the least … [Read more...]
Foot Traffic: Jefferson City Area Board of REALTORS® (MO)
Foot traffic provides a strong indication of future home sales. SentriLock, LLC. provides NAR Research with monthly data on the number of showings. Foot traffic in the area covered by the Jefferson City Area Board of REALTORS® (MO) eased sharply … [Read more...]
Immigrants, An Emerging Base of Clients: The Virginia Story
The United States attracts about 1 million immigrants (permanent residents) every year. Over time, they achieve the American dream of having higher incomes and homeownership. Did you know that India is the top origination country of immigrants … [Read more...]
Harmful Effects from Changing the Listing Price?
With the housing market showing signs of a recovery, sellers may think they can list their homes at a higher price and adjust if necessary. That may not be a good strategy. This is a post we ran last year by Ken H. Johnson, Ph.D. — Florida … [Read more...]
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