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Business Outlook Archive


Published FHA Loan Limits Show Large Declines for 2014

Loan limits for mortgages backed by the Federal Housing Administration (FHA) were scheduled to fall in 2014 due to the expiration of increased limits set during the housing crisis. However, the magnitude of change for the published limits has caught many by surprise. ...


Values Appreciate: Healthy Markets Focus on West, Midwest

In October, the five healthiest markets were San Jose (Market Health Index of 9), San Francisco (8.9), Los Angeles (8.6), San Diego (8.4) and Denver (8.1), among the country’s top 30 largest metro markets covered by Zillow, while in September, Homes.com reported ...


Middle Market Commercial Executives Feeling Cautious, but Optimistic

Middle market commercial real estate executives are expressing cautious optimism toward the market and are looking to take advantage of long-term investment opportunities. However, the majority are finding that the current tax and regulatory climate is placing a strain on the performance of their companies. These are some of the ...


Fannie Mae Announces Eviction Moratorium for the Holidays

Fannie Mae (FNMA/OTC) announced recently that it will issue an eviction moratorium for the holidays, as it has done in previous years. The company will suspend evictions of foreclosed single family and 2-4 unit properties from December 18, 2013 through and including January 3, 2014. For this period, legal and ...


55+ Housing Market Confidence Is Breaking Records

The nationwide financial and economic challenges in recent years have upended millions of consumers' retirement plans, and dreams of transitioning into a new or smaller dwellings to age in place. ...


Mortgage Applications Rebound after Six Week Decline

The week ending December 6th saw mortgage applications increase by one percent; it was the first time in a month and a half that the numbers edged upwards. While the increase may seem insignificant to some, it’s a great sign for the housing market. Don Frommeyer, CRMS, President of NAMB ...


Regulators OK Volcker Rule, Curbing Big Banks’ High-Risk Trades

(MCT)—Government regulators approved a sweeping new set of rules for the nation's biggest banks that ban them from the kind of ultra-high-risk trading that nearly collapsed the world's financial system. ...


HUD Releases ‘Qualified Mortgage’ Definition

Recently the U.S. Department of Housing and Urban Development (HUD) released its final rule which defines a ‘Qualified Mortgage (QM)’ that is insured, guaranteed or administered by HUD. The final rule will be effective on January 10, 2014 and will apply to ...


New QM Rules: What Your Clients Need to Know

With the new year fast approaching, there’s an important issue you’ll want to familiarize yourself with so you can answer buyers’ questions: qualified mortgages. ...


On Paper vs. in Practice – Implementing Dodd-Frank Rules

After three years of rulemaking and organizing, the industry is finally experiencing the full-fledged implementation of the major Dodd-Frank rules affecting mortgages, in particular, the Qualified Mortgage or QM. A major question that needs answering is whether the rule in practice is ...


Fannie Says: Cautious Consumers Stalling Housing Momentum

Positive momentum in the housing market continues to lose steam as Americans remain cautious about their personal finances and the state of the economy, according to Fannie Mae’s November National Housing Survey results. ...


Adjustable-Rate Mortgages Return with a More Conservative Look

(MCT)—With one daughter in college and another in high school, Guy Hempel and Cherina Rossi face years of tuition payments. ...


Housing Markets Continue Slow Climb Back to Normal

Markets in 54 out of the approximately 350 metro areas nationwide returned to or exceeded their last normal levels of economic and housing activity, according to the National Association of Home Builders/First American Leading Markets Index (LMI), released recently. ...


Protecting REALTORS®: The Innovation Act of 2013 Is Passed

Last week, the Innovation Act of 2013 was passed. This bill scores a win for the real estate industry as it aims to make procedural changes to the patent system to discourage tactics preferred by trolls – a previous issue for innovative ...


Weak Income Growth and Rising Rents Create Severe Affordability Problems for American Renters

Affordability problems for renters have skyrocketed over the past decade both in number and the share of renters facing them, according to a new report on rental housing from the Harvard Joint Center for Housing Studies. The inability of so many to find housing they can afford dramatically ...


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