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Business Outlook Archive


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 ...


3 Suburban Markets Show There Is More to Real Estate Than the Case-Shiller Home Price Index

Each month, analysts eagerly await the renowned Case-Shiller Home Price Index report to get a read on the health of the housing market. In a nutshell, this report looks at price changes in homes month-over-month. Prices are tracked in 20 major metropolitan ...


Analysis Shows Home Building Timelines Vary Widely By Region

The National Association of Home Builders recently release an interesting analysis from the 2012 Survey of Construction (SOC). ...


October Building Permits Boost the Housing Market

According to the Commerce Department, housing permits jumped to a 5-year high in October. With the strongest numbers since the housing crash, many are left wondering what the surge in building permits means. Don Frommeyer, CRMS, President of NAMB (The Association of ...


Putting People First: 5 Resolutions to Succeed in 2014 – Part 1

As 2013 comes to an end, now is a great time to look back on your year and figure out what areas of your real estate business you can improve upon and how to increase your number of clients. When it’s time ...


Zillow Predicts Home Values to Rise 3 Percent in 2014; Mortgages Will Be Easier to Get

Zillow is making four, bold housing predictions for 2014, and has determined which housing markets will be the hottest this coming year. ...


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