Washington DC Real Estate - Home Buying and Selling -Long & Foster Realtors

New Home Sales Rise For 7th Month Out Of 8

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Fri, 25 May 2012 08:21:26 -0700

The April New Home Sales report suggests that the market for newly-built homes is as strong as the market for existing ones.

According to the U.S. Census Bureau, the number of new homes sold rose 3.3 percent in April to a seasonally-adjusted, annualized 343,000 units sold — its second-highest reading since April 2010.

April 2010 marked the last month of that year’s federal home buyer tax credit program.

April’s New Home Sales data also marks the 7th of eight consecutive months during which the number of new homes sold climbed nationwide, a streak unequaled in recent history. During this period, the supply of new homes for sale has dropped 13%.

The complete new home inventory is down to 146,000 homes nationwide.

At the current pace of sales, home buyers across the county would exhaust the complete supply of newly-built homes in 5.1 months.

This, too, is a significant figure.

When home supplies fall below 6 months of inventory, it’s widely believed to indicate a “seller’s market” and there hasn’t been more than 6 months of a new home supply since October 2011. This has placed upward pressure on new home prices and helps to explain why the average home sale price is up 9% from just 6 months ago.

Homes are selling, and they’re rising in price — a trend that today’s buyers should expect to continue through the summer and fall months.

Record-low mortgage rates have moved home affordability to an all-time high with home builders now reporting the highest levels of buyer foot traffic at any time since 2007. As builder confidence grows, buyers can expect to find fewer “great deals” — especially as demand for homes outpaces supply.

If you’re a home buyer in search of new construction, therefore, the best new construction “deals” of 2012 may be the ones you find today. By 2013, the deals may be gone

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30-Year Fixed Rate Mortgage Rates Fall To 3.78% Nationwide

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Fri, 25 May 2012 08:16:07 -0700

For the fifth consecutive week, conforming 30-year fixed rate mortgage rates have dropped to new all-time lows.

According to this week’s Primary Mortgage Market Survey from Freddie Mac, “prime” mortgage applicants willing to pay 0.8 discount points plus closing costs can secure a mortgage rate of 3.78%, on average.

This is a small improvement in rate over last week when the average 30-year fixed rate mortgage rate was 3.79% with 0.7 discount points.

1 discount point is equal to 1 percent of your loan size.

Like everything in real estate, though, mortgage rates are local. Freddie Mac reports that the mortgage rates available to consumers varied by region.

Northeast Region : 3.78% with 0.7 discount points
West Region : 3.74% with 0.9 discount points
Southeast Region : 3.79% with 0.7 discount points
North Central Region : 3.83% with 0.6 discount points
Southwest Region : 3.81% with 0.7 discount points

North Central Region residents currently pay the lowest fees and get the highest rates. For residents of the West, it’s the opposite. Everywhere, however,mortgage rates are down. As compared to one year ago, today’s monthly carrying cost for a conforming, 30-year fixed rate mortgage is lower by $50 per $100,000 mortgaged, or $600 per year.

A $300,000 mortgage would save $1,800 annually.

Mortgage rates have been dropping because Wall Street remains concerned for the futures of Greece, Spain, Italy and the European Union. Several European nations are at-risk for a sovereign debt default and Greece remains a threat to leave the EU. To protect against potential loss, investors have been moving money away from risky holdings toward safer ones — a class that includes U.S. mortgage-backed bonds.

As demand for the bonds rise, prices do, too. This leads mortgage rates lower and so long as economic uncertainty remains, mortgage rates are expected to stay low.

Low mortgage rates make this a good time to buy or refinance a home. Talk to your loan officer to review your mortgage options.

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Home Affordability Reaches New High In Q1 2012

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Tue, 22 May 2012 18:39:02 -0700

Falling mortgage rates and stagnant home prices are making a positive effect on home affordability nationwide. Never before in recorded history have so many homes been affordable to households earning a moderate annual income.

Last week, the National Association of Home Builders reported the Home Opportunity Index at 77.5 — its highest reading of all-time. The index indicates that more than 3 of every 4 homes sold last quarter were affordable to households earning the national median income of $65,000.

Last quarter marks the 12th straight quarter — dating back to 2009 — in which the index surpassed 70. Prior to this run, the index had never crossed 70 even once.

That said, like most real estate statistics, the Home Affordability Index has a national purview. National data is of little value to homeowners in specific cities , or in specific neighborhoods.

Last quarter, home affordability varied by region.

In the Midwest, for example, affordability was highest. 7 of the top 10 most affordable markets nationwide were spread throughout Ohio, Michigan, Illinois and Indiana. The top two spots, however, went to an East Region town (Cumberland) and a Pacific Northwest Region city (Fairbanks, Alaska), respectively.

The top 5 most affordable cities for home buyers in Q1 2012 were:

Cumberland, MD (99.0%)
Fairbanks, AK (98.9%)
Wheeling, WV (97.0%)
Kokomo, IN (95.8%)
Indianapolis, IN (95.8%)

At #17, the Lakeland/Winter Haven, Florida area was the top-ranked South Region city last quarter.

By contrast, the Northeast Region and Southern California ranked among the least affordable housing markets — again. Led by the New York-White Plains, NY-Wayne, NJ area, 8 of the 10 least affordable areas were in the Mid-Atlantic and California, and for the 16th consecutive quarter the New York metro area was ranked “Least Affordable”.

Just 31.5 percent of homes were affordable to households earning the area median income there, up from 25.2 percent six months ago.

The rankings for all 225 metro areas are available for download on the NAHB website.

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America’s 10 Richest Counties

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Mon, 21 May 2012 19:23:02 -0700

There are 3,033 counties in the United States. Which 10 are the richest in terms of median household income? Not surprisingly, those near major economic centers rank high.

In a study based on household income estimates from the Census Bureau’s American Community Survey, Loudoun County, Virginia captures the number one spot in America’s Richest Counties.

Loudoun County is a Washington, D.C. suburb and is home to Dulles International Airport, as well as a well-educated workforce.

The complete Top 10 list of America’s Richest Counties :

Loudoun County, Virginia ($115,574)
Falls Church City, Virginia ($114,409)
Fairfax County, Virginia ($105,416)
Los Alamos County, New Mexico ($103,643)
Howard County, Maryland ($103,273)
Hunterdon County, New Jersey ($100,980)
Douglas County, Colorado ($99,198)
Fairfax City, Virginia ($97,900)
Somerset County, New Jersey ($97,440)
Morris County, New Jersey ($96,747)

As a region, it’s estimated that 40% of the Washington, D.C. metro area economy can be attributed to federal spending. This helps explain why Falls Church City, Virginia; Fairfax County, Virginia; and Howard County, Maryland all scored high on the list. It’s also why Los Alamos ranked 4 — the largest employer in Los Alamos is the Los Alamos National Laboratory, one of the largest science and technology institutes in the world.

The New Jersey counties are popular commuter areas for homeowners who work in New York City.

As a home buyer , the wealth of particular area may matter to you, but it won’t be the sole reason you purchase. You may have interest in a quality school district, or a vibrant nightlife, or a a high walkability factor, for example.

For more detailed statistics about the 10 counties at top or other local markets, be sure to ask your real estate agent.

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Home Affordability Getting A Springtime Boost From Greece

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Thu, 17 May 2012 17:54:12 -0700

Home affordability is receiving a boost from across the Atlantic Ocean this spring.

For the third time in as many years, a weakening Eurozone is pushing May mortgage rates to new lows nationwide.

The story centers in Greece and begins in 2010.

2 years ago, it was uncovered that successive Greece governments had purposefully misreported the nation-state’s economic statistics in order to meet European Union standards. The fraudulent data had permitted Greek governments to spend beyond their means while hiding deficits from EU auditors.

The realization that Greece was heavy in debt with little means to repay its creditors resulted in a massive bailout from the IMF and the rest of the Eurozone nations. The terms for Greece said that, in order to receive its €110 billion aid package, Greece would be required to enact strict spending controls.

This is known as “austerity” and the deal was met with outrage by the Greek public. There’s been general social unrest ever since and, on May 6 of this year, Greece held a special “early election” to elect all 300 members to its legislature.

No party won majority in the elections.

7 different groups garnered seats in the parliament last week with anti-austerity groups faring well. It’s spurred concern that Greece will end its bid for fiscal restraint, and that Greece may choose to leave the 17-nation Eurozone.

The uncertainty surrounding Greece is helping U.S. mortgage rates to make new lows. As concerns mount for the future of Greece — and the Eurozone, in general — global investors seek safer markets for their money.

The U.S. mortgage-backed bond market is one such market.

With the implied backing of the U.S. government, mortgage-backed bonds are viewed as nearly risk-less and investors clamor for safety of principal during uncertain times. The boost in demand drives bond prices up and bond yields down, resulting in lower mortgage rates for home buyers and refinancing households.

So long as Greece struggles to form its government and flirts with a sovereign debt default, mortgage rates should continue to face downward pressure. U.S. rates may not fall week after week, but analysts expect any rise in rates to be muted.

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Single-Family Housing Starts Powers Ahead

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Thu, 17 May 2012 17:50:12 -0700

The new construction housing market continues to improve.

One day after the National Association of Homebuilders reported a 5-year high in homebuilder confidence, the U.S. Census Bureau reports that single-family housing starts rose 2 percent for the second straight month last month.

In April, on a seasonally-adjusted, annualized basis, the government reports 492,000 single-family housing starts. A “housing start” is a home on which ground has broken.

In addition, March’s single-family housing starts were revised higher. What was previously reported as a three percent loss was re-measured and changed to a 0.2% gain.

The April tally marks a six percent increase over the one-year moving average and, along with the March revision, suggests that the springtime housing market may have just been seasonal.

In March, a number of reports suggested a housing retreat :

Existing Home Sales slipped 3%
New Home Sales slipped 7%
Homebuilder Confidence fell 4 points

Since then, though, low mortgage rates and affordable home prices appear to have sustained the new construction market, which now appears poised for a strong 2012.

As one mark of proof, active buyers of newly-built homes nationwide are scheduling “model home” showings at the fastest pace since 2007. The burst of foot traffic high has builders upping their sales expectations for the next 6 months.

A scenario like this would normally lead new home prices higher, but the pressure for prices to rise may be offset by the amount of new home supply coming online.

In addition to a rise in Housing Starts, the Census Bureau also reports that, in April, the number of Building Permits for single-family homes rose 2 percent to move to its second-highest level since March 2010 — the month preceding the end of the 2010 federal Home buyer tax credit.

86 percent of homes break ground within one month of permit issuance.

It’s unclear whether housing is on a steady path higher, but there’s a growing body of evidence that suggests the market bottom has already passed.

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Small Repairs That Can Raise Your Sales Price

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Mon, 07 May 2012 16:21:04 -0700

If you’re actively preparing to list your home for sale, resist the temptation to make major home improvements. Nationwide, home improvement projects recoup just 58 cents on the dollar, says Remodeling Magazine.

Rather, for a better return on your time and money, focus on the minor projects instead. It’s the smaller projects that tend to have a bigger, long-term payoff.

So, how do you determine which projects are the “smaller ones”? It’s obvious when you think like a buyer.

Consider : Home buyers don’t always notice when your home is in working order. In fact, they expect it to be that way. What they do notice, however, is when things are “broken”. When a buyer sees torn screens in your windows or burnt out light bulbs, it makes him wonder what else in the home has not been cared for.

This is one reason why — especially during warmer months — it’s sensible to hire an exterminator prior to selling your home. If a prospective buyer uncovers bugs in your bathroom, it can leave a lasting, negative impression — one that won’t likely lead to a purchase contrast.

So, with “small repairs” in mind, here are 5 simple projects that you can tackle in a weekend, and that will help your home show better. Each is low-cost and high-impact:

Repair or remove torn screen doors
Fix all leaky faucets and toilets
Touch up holes and cracks in paint, interior and exterior
Apply a lubricant to squeaky doors and cabinets
Get “clutter” into storage and physically out of the way

In addition, you’ll want to pull weeds from your yard, seed any bare spots you find, and lay down fresh mulch, where appropriate.

You won’t need to spend big bucks to get your home ready for sale but the time spent on repairs will have a pay-off in the end. Homes that show better often sell much faster, and at higher prices.

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How To Clean Your Outdoor Gas Grill In Less Than 30 Minutes

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Tue, 01 May 2012 18:55:05 -0700

Regardless of your hometown’s climate, outdoor gas grill cooking can be a four-season endeavor. Just remembe to keep your grill clean.

According to Weber’s annual GrillWatch Survey, less than 40% of grill owners clean their equipment with any bit of frequency, and 6 percent admit they’ve never cleaned their grill at all.

There are three main reasons to keep a clean grill. The first is that a clean, well-maintained grill will have a longer useful life than a dirty, sloppy one. Grills can be expensive and it’s often less costly to maintain them than to replace them.

The second reason to keep a clean grill is for sanitary reasons. Over time — especially when exposed to the elements — a grill’s finish can deteriorate and/or retained cooked foodstuffs. This can create a breeding ground for germs and disease.

And, lastly, a clean grill helps cooked foods taste better.

So, whether you’ve cleaned your equipment recently or never at all, it’s always a good time to freshen up your grill. Here’s how to do it, quickly :

Remove the grates. Soak them in soapy water. Scrub foodstuffs using a wire brush. Allow to dry.
Remove loose debris from bottom of grill.
Using soapy solution, scrub grill’s surfaces, grill pans, and grease trays. Don’t forget the lid.
Clean outside of grill with mild soap solution, treating rust areas with cooking oil.
Look for broken, cracked or faulty equipment, specifically burners and ignitors. Replace as necessary.

Then, as a last step, re-assemble your grill and turn its burners to high for 10 minutes. This will burn off excess water in the grill and help to sanitize it.

Cleaning a gas grill is a 20-30 minute process. The results, however, are long-lasting.

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How to Save Money on your next Airfare

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Wed, 25 Apr 2012 06:43:04 -0700

Summer is on the horizon. That means hotter temperatures, sunscreen and family vacations. The annual summer vacation doesn’t have to break the bank; whether you rely on a travel agent or the Internet to make your travel plans, it’s easy to save money on airfare, hotels and more.

The information I’m sharing with you thistime is intended to help you save a few dollars on your travel plans. From social couponing websites, such as Groupon and LivingSocial, to discount travel websites to AAA and Costco, there have never been more ways to save money on your summer travel plans. Since you just have to get away at the last minute sometimes, page two offers tips to save money on last-minute travel. Feel free to share this great information with your family or friends.

Sincerely,

Payam Bakhaje,

Licensed DC, MD & VA

202-345-2778

WWW.DCRealtyOnline.com

Oh, by the way … if you know of someone who would appreciate the level of service I provide, please call me with their name and business number. I’ll be happy to follow up and take great care of them.

Search homes for sale anytime, anywhere - right from your cell phone with FREE new App! Just text DCRO

to 87778 from your phone.

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How To Use Newspapers To Kill Garden Weeds

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Tue, 17 Apr 2012 09:57:06 -0700

April 22 is Earth Day, a day to raise awareness about, and to celebrate, the Earth’s natural environment. It’s also a day for people to do something good for the planet.

There are lots of ways to help the environment, including by reducing your net electricity usage, by conserving fresh water supplies, and by planting trees. You can also reduce the use of chemicals and pesticides in your home’s garden or yard.

One such trick is replace chemical-heavy pesticides used for weed killing with your local newspaper instead. Newspapers can be effective in killing weeds, and preventing new ones from growing, while also protecting the Earth from contaminants.

The method is basic — use a wet newspaper “carpet” blocks both sunlight and oxygen from reaching the soil, starving weeds that have already grown, and those that have yet to break soil.

Here’s how to do it :

Confirm that your newspaper uses soy-based ink — most local dailies do.
Stack a dozen pieces of newsprint and thoroughly wet it
Place the wet pages on the area affected by weeds
Cover the wet pages with a thin layer of mulch

That’s it. Over several weeks, the covered weeds will decompose into the soil, providing nourishment to other plants and vegetation. If you find that the initial newsprint stack “failed”, repeat the above steps, doubling up on the number of news pages and mulch.

Make sure that your newsprint is the “standard” newsprint, too. Avoid glossy circulars and coupon pages which use different paper and often use less Earth-friendly ink.

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FHA Mortgage Insurance Premiums Increasing April 9, 2012

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Tue, 03 Apr 2012 09:45:03 -0700

Planning to use an FHA-backed mortgage for your next home loan? You might want to get your application in gear today.

Beginning next week, the Federal Housing Administration (FHA) is changing the way it charges mortgage insurance to U.S. homeowners. For the fourth time since 2010, FHA mortgage insurance premiums are rising for all FHA-backed homeowners.

For FHA Case Numbers assigned on, or after, Monday, April 9, 2012, there are two planned changes.

First, FHA Upfront Mortgage Insurance Premiums (UFMIP) will increase by 75 basis points to 1.75%, or $1,750 per $100,000 borrowed. Upfront Mortgage Insurance Premium is paid at closing, and typically added to an FHA borrower’s loan size.

The current UFMIP rate is 1.000 percent.

Second, annual FHA mortgage insurance premiums are rising. All new FHA-backed loans will be subject to a 10 basis point increase in annual mortgage insurance premiums, costing homeowners an extra $100 per $100,000 borrowed per year.

The new FHA annual mortgage insurance premium schedule follows :

15-year loan term, loan-to-value > 90% : 0.60% MIP per year
15-year loan term, loan-to-value <= 90% : 0.35% MIP per year
15-year loan term, loan-to-value <= 78% : 0.00% MIP per year
30-year loan term, loan-to-value > 95% : 1.25% MIP per year
30-year loan term, loan-to-value <= 95% : 1.20% MIP per year

In addition, for loans above $625,500, beginning with FHA Case Numbers assigned on, or after, June 11, 2012, there will be an additional 25 basis point increase in annual MIP.

To calculate your monthly MIP obligation as a FHA homeowners, multiply your starting loan size by your insurance rate from the list above, then divide by 12.

Note that the FHA mortgage insurance changes apply to new FHA Case Numbers only. If you have an FHA mortgage approval in-process, or an existing FHA home loan, you are not subject to the new MIP schedule. To avoid paying the FHA’s new MIP schedule, therefore, begin your FHA mortgage application today.

Once your FHA Case Number is assigned, you’re locked in to today’s lower premiums.

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Case-Shiller Shows Uneven Recovery For U.S. Housing

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Thu, 29 Mar 2012 13:11:25 -0700

Recent data suggests that the U.S. housing market is in recovery. However, the data also shows this to be an uneven recovery.

According to the monthly S&P/Case-Shiller Index, for example, home values rose in three of 20 tracked markets between December 2011 and January 2012. 17 tracked markets showed home prices still in decline.

It’s easy to point to the Case-Shiller Index as evidence that the housing market has yet to bottom, but we have to consider the Case-Shiller Index’s shortcomings — specifically in a recovering economy.

For example, the Case-Shiller Index is based on changes in home prices of a single home, through successive sales. This means that to calculate its home price index, the Case-Shiller searches for sales of the same home over a period of time and calculates the difference in contract price.

This methodology can distort the home price tracker downward during times of weak economy because there is no distinction made for homes sold in foreclosure or as a short sale.

35% of all homes sold in January were “distressed”, says the National Association of REALTORS®.

Another distortion in the Case-Shiller Index is that the model neglects all home types that are not of type “single-family residence”. This means that multi-unit homes and condominiums are excluded from the Case-Shiller Index model.

In some markets, such as Chicago and New York City, condominiums account for a large percentage of overall sales.

Lastly, the Case-Shiller Index is published with a “lag”, which renders it useless to buyers and sellers in search of real-time, relevant data. The most recent Case-Shiller Index is published with a 60-day delay, and accounts for home purchase contracts written between October and December 2011.

Since October, the U.S. economy has added more than 1 million jobs and the economy has moved into “moderate expansion”, according to the Federal Reserve. Data that’s two seasons old does little to help us today.

Making sound real estate decisions is about having timely, relevant data at-hand when it’s needed. The Case-Shiller Index fails in that respect. It’s good for highlighting the U.S. housing market on the whole, as it existed in the past. For real-time market data, though, you’ll want to talk with an active real estate agent.

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How To Replace Cracked, Dirty Grout

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Tue, 27 Mar 2012 19:49:35 -0700

Tile is among the most versatile home surfacing materials. It can be as functional and good-looking on your home’s walls as it can be on counter tops, adding a polished look to your kitchen or bathrooms.

Tile is also easy-to-clean — so long as it’s well-maintained.

Proper tile cleaning is more than just a daily wipe-down. Cleaning tile requires a periodic resealing of the tiles themselves, as well as a re-grout for when the existing grout cracks, or stains.

Replacing grout is a job that’s low on skill but large on elbow grease. You can hire it out to a handyperson , or you can handle it in-home. If you choose to replace your own grout, here are the steps you’ll want to follow.

First, you’ll need some tools :

Hammer and screwdriver
Grout scraper
Putty knife
Damp sponge
Dry cloths
Grout
Grout sealer

Start by using your screwdriver to loosen bits of the damaged and/or dirty grout. Tap the screwdriver with the hammer gently to avoid scratching your tile. Once you’ve loosened the grout, use the grout scraper to remove the remnants.

Next, pour new grout into the crevices between the tiles and smooth it into place using the putty knife. The motion is similar to that of buttering a slice of bread. Scrape up the excess grout as you work. Continue spreading the grout until you’ve finished a several-foot section.

Before the grout has dried, use a damp sponge to wipe the tiles clean and neaten the grout lines. You can also use your finger to smooth and remove excess grout from between the tiles.

Repeat the grouting and cleaning process until all of the grout has been replaced. Allow the grout to dry for the length of time recommended by the manufacturer.

Next, using the dry cloths, buff the tiles, using a forceful, circular motion to remove any remaining grout residue.

Then, as a final step, for long-lasting protection, seal the grout using a commercial grout sealer from a hardware store.

Keeping grout in good condition does more than just make your kitchen or bathrooms look great — it protects the surfaces beneath the tile, too. Re-grouting tile is a basic home improvement task that can pay for itself many times over.

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How To Keep A Stainless Steel Product Shining

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Wed, 07 Mar 2012 08:16:28 -0800

With their sleek, modern look, over the past 10 years, stainless steel appliances have move from “hot trend” to commonplace.

However, as any homeowner with stainless steel appliances will tell you, to keep a stainless steel surface free from marks, drips and fingerprints can be a futile exercise. Streaks and smudges will happen — they can’t be avoiding.

There are tricks, however, for keeping your stainless “shining”. You’ll need a microfiber cloth and a small bowl, plus some dish detergent, and some WD-40 or furniture polish.

First, start with a single teaspoon of dish detergent in a quart of hot tap water. Using the microfiber cloth to avoid scratching the appliance’s surface, rub the mixture firmly in the direction of the steel’s grain.

Rinse the surface with clean, hot water and dry it immediately.

If the smudge remains, as a second attempt, spray a little WD-40 or furniture polish on the surface of the stainless steel appliance and buff the mark away using the microfiber cloth.

Then, if the smudge still remains, apply a small amount of rubbing alcohol to the appliance surface and — again with the microfiber cloth — rub in the direction of the grain. This will remove the mark, but it will also dull the stainless steel’s shine.

Therefore, to restore the appliance’s luster, use a small amount of WD-40 or furniture polish, or buff the appliance with a drop of mineral oil.

You may also use a commercial stainless steel cleaner to clean your home’s appliance and these products work well. However, they’re often thick with chemicals and can be more expensive than one of the do-it-yourself solutions presented above.

Sometimes, though, it takes a specialty product to get the job done.

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Home Affordability Reaches An All-Time High

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Tue, 06 Mar 2012 19:04:12 -0800

Home affordability moved higher last quarter, boosted by the lowest mortgage rates in history, a rise in median income, and slow-to-recover home prices throughout the country.

According to the National Association of Home Builders, the quarterly Home Opportunity Index read 75.9 in 2011′s fourth quarter. More than 3 in 4 homes sold between October-December 2011, in other words, were affordable to households earning the national median income of $64,200.

Never in recorded history have U.S. homes been as affordable on a national level. Even on a regional and local level, affordability soared.

Affordability was highest in the Midwest; 7 of the 10 most affordable markets nationwide were in the nation’s heartland.

The Top 5 most affordable U.S. cities in Q4 2011 were:

Kokomo, IN (99.2% home affordability)
Fairbanks, AK (97.5% home affordability)
Cumberland, WV (96.9% home affordability)
Lima, OH (96.0% home affordability)
Rockford, IL (95.5% home affordability)

These are each considered “small markets”. The most affordable “major market” was the Youngstown, Ohio area, where 95.1% of homes sold were affordable to households earning the area’s local median income.

Not surprisingly, America’s “least affordable cities” were regionally-concentrated, too, with 7 of the 10 least affordable markets located in either California or Texas.

San Francisco (#3), Santa Ana (#4), and Los Angeles (#5) led for the Golden State but, for the 15th consecutive quarter, the New York metropolitan area took “Least Affordable Market” honors.

Just 29 percent of homes in and around New York City were affordable to households earning the area’s median income last quarter. It’s a large jump from the quarter prior during which 23 percent of homes were affordable.

The rankings for all 225 metro areas are available for download on the NAHB website.

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New Home Supply Falls To 5.6 Months

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Tue, 28 Feb 2012 07:03:30 -0800

The new construction market rolls on.

As foreshadowed by February’s Homebuilder Confidence survey, which rose to a 4-year high, the Census Bureau reports new homes are selling more quickly than builders have built them, lowering the national “home supply” to levels not seen since 2006.

A “new home” is a home that is considered new construction and, at the current pace of sales, the nation’s entire new home inventory of 151,000 homes would be sold in 5.6 months.

Anything less than 6.0-month supply is thought to connote a “sellers’ market”.

321,000 new homes were sold last month on a seasonally-adjusted, annualized basis. 7 of 10 new homes sold for less than $300,000.

The South Region continues to account for the majority of new construction sales, posting a 59% market share in January. South Region sales were up 9 percent as compared to December. The other 3 regions turned in mixed results.

Northeast Region : +11.1% from December 2011
Midwest Region : -24.5% from December 2011
West Region : -10.6% from December 2011

Unfortunately, the Census Bureau’s New Home Sales data could be wrong.

Although New Home Sales were said to fall by about one percent nationally from December to January, the government’s monthly report was footnoted with a ±16.6% margin of error. This means that the actual New Home Sales reading may have been as high as +15%, or as low as -18%.

Because the range of values includes positive and negative values, the January New Home Sales data is of “zero confidence”. However, that’s not to say that it should be ignored. The aforementioned homebuilder confidence survey shows builders optimistic for the future, and a bevy of home sale data since October 2011 suggests a market in recovery.

If you’re in the market for new construction , therefore, consider going into contract sooner rather than later. Home prices remain low and mortgage rates do, too — a terrific combination for today’s buyers.

In a few months, the landscape may look different.

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Fewer Jobless Claims Suggests Higher Home Prices Ahead

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Wed, 15 Feb 2012 12:51:55 -0800

Economists believe the strength of the 2012 housing market will be closely tied to jobs. If they’re right, the housing market is ripe for a boost. It spells good news for home sellers and may mean the end of bargain-basement prices for buyers.

Since peaking in mid-2009, the number of U.S. workers filing for first-time unemployment benefits has dropped 44 percent. Over the same period of time, the U.S. economy has added more than 2 million jobs and the national Unemployment Rate is down more than 1 percentage point to 8.3%.

Employment’s link to the housing market is both economic and psychological.

To make the economic link is straight-forward. A person with a job earns verifiable income and such income is required in order to be mortgage-eligible. For conventional and FHA purchase loans, for example, mortgage lenders want a home buyer’s monthly income be more than double his monthly debts.

For the formerly unemployed that have since returned to work, having a full-time income makes buying homes possible. It also supports higher home valuations nationwide because home prices are based on supply-and-demand. All things equal, when the number of buyers in a market goes up, prices do, too.

The psychological connection between housing and employment is a tad more complicated, but every bit as important. It’s not just out-of-work Americans that don’t look for homes — it’s fearful Americans, too. People with concerns about losing a job are just as unlikely to shop for homes as people actually without a job. The same is true for people unsure of their prospects for a better-paying job, or their own upward mobility.

A recovering job market can lessen those fears and draw out buyers — especially those who face a loss on the sale of an “underwater” home.

The Initial Jobless Claims rolling 4-week average is at its lowest level since 2008. Fewer Americans are losing jobs, and more are finding permanent placement.

It’s one more reason to be optimistic for this year’s housing market.

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With Retail Sales And Consumer Confidence Rising, Home Prices Are Expected To Follow

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Wed, 15 Feb 2012 12:49:23 -0800

The U.S. economy continues to show signs of a rebound.

According to the Census Bureau, Retail Sales climbed to $329 billion last month on a seasonally-adjusted basis, excluding automobiles. January’s data marks the 18th time in 19 months that Retail Sales rose, a run that’s increased total sales receipts by 11 percent.

This is big news because Retail Sales accounts for close to 70% of the U.S. economy.

In addition, consumer confidence is rising.

In a separate, joint report from the University of Michigan and Thompson Reuters, it was shown that consumer attitudes toward the economy and the future are improving, primarily the result of recent job gains.

The Survey of Consumers posted its highest value in 12 months.

It is not a coincidence that Retail Sales and consumer confidence both made multi-month highs — the readings are more than loosely linked. As consumers feel more confident about the economy and their personal prospects for the future, they’re more likely to spend money on goods and services, which leads to an increase in consumer spending.

For the housing market, the ramifications are two-fold.

First, from the financing side, an expanding economy is linked to rising mortgage rates. This is because Wall Street tends to chase risk in a growth economy and the bond market offers little in the way of risk. As demand for bonds drops, then, mortgage rates rise.

Second, rising consumer confidence can lead home values higher, too.

Confident consumers are more likely than fearful ones to become home buyers. They’re more likely to stop renting and start buying; more likely to list their home and “move-up” to something bigger; more likely to “take the next step”.

So, as more buyers enter the market at a time when the national home supply is shrinking, the supply-demand balance in housing is shifting toward the sellers. This creates price pressures and should lead to higher home valuations.

If you have plans to buy a home in 2012, the best time to buy may be now. Today’s mortgage rates are low and so are the home prices — a combination that’s unlikely to last.

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HOME OWNERS !!! Maryland Mortgage Interest Deduction in JEOPARDY! Help Save MD's MID (Mortgage Interest Deduction)

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Wed, 15 Feb 2012 12:44:49 -0800

All the home owners Must act NOW. THis may take a way American Dream through entire country. All the Home owners Must write to their repsenative and portest this porposal. If they would not hear from Home owners this might take in effect. Please ACT NOW!!!

Under the Governor’s proposed Budget Reconciliation and Financing Act of 2012 (BRFA, HB 87/SB 152), Maryland plans to scale back the most important benefit tax benefit that homeowners receive – at a time when one out of every five homes are underwater or have lost significant equity (DHCD, November 2011)!

The BRFA bill would reduce the mortgage interest deduction and the deductibility of state and local property taxes for many Maryland homeowners.

For nearly 100 years, the tax code has protected mortgage interest deductibility.

Under the proposal, if a Maryland taxpayer’s federal adjusted gross income exceeds $100,000; then single taxpayer’s itemized deductions would decrease by 10% when calculating Maryland taxable income – that’s an INCREASE in your Maryland taxable base! Taxpayers with adjusted gross income over $200,000 would see their deductions decrease by 20%!

Because housing and real estate account for over 20% of Maryland’s gross state product, more tax burdens on real estate and homeowners will only further hurt Maryland’s economic recovery.

The mortgage interest deduction and the deductibility of state and local property taxes account for almost 70% of total deductions claimed by Maryland taxpayers – vital incentives for a strong housing/real estate market recovery.

Again, with so many Marylanders facing diminished homeowner equity and/or underwater mortgages, this proposal would do more harm than good!

Please help save MD’s MID (Mortgage Interest Deduction), URGE your legislators to OPPOSE the Governor’s BRFA Bill and also tell the Governor you are OPPOSED to his BRFA Bill. Many thanks for your advocacy efforts

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Revamped HARP : Unlimited Loan-to-Value And Same Great Rates

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Fri, 10 Feb 2012 09:39:50 -0800

The government’s new, revamped HARP program is 6 weeks from release. Homeowners nationwide are gearing up to refinance.

HARP is an acronym. It stands for Home Affordable Refinance Program. HARP is the government’s loan product for “underwater homeowners”. HARP makes current mortgage rates available to households which would otherwise be unable to refinance because the home lacks equity.

This is a big deal — especially today. Mortgage rates are at an all-time low and millions of U.S. homeowners have been unable to take advantage. HARP aims to change that.

HARP originally launched in 2009. Its first iteration failed to reach a meaningful percentage of U.S. homeowners, however, because costs were high and loans were high-risk. With its re-release, the government has removed the hurdles to HARP, putting refinancing within reach for millions of U.S. households.

To qualify for HARP, homeowners must first meet 3 qualifying criteria.

First, their current mortgage must be backed Fannie Mae or Freddie Mac. FHA- and VA-backed loans are HARP-ineligible, as are jumbo loans and loans backed by portfolio lenders.

To check if your loan if Fannie Mae-backed, click here.
To check if your loan if Freddie Mac-backed, click here.

Second, the existing mortgage must have been securitized by Fannie Mae or Freddie Mac prior on, or before, May 31, 2009. If you bought your home or refinanced it after that date, you are HARP-ineligible.

There are no exceptions to this rule.

And, third, the existing mortgage must be accompanied by a strong repayment history. Mortgage payment must have been paid on-time for the last 6 months, at least, and there may not be more than one 30-day late payment in the last 12 months.

If these 3 qualifiers are met, HARP applicants should find the approval process straight-forward :

Fixed rate mortgages allow unlimited loan-to-value
The standard 7-year “waiting period” after a foreclosure is waived in full
Except in rare cases, home appraisals aren’t required

Furthermore, HARP mortgage rates are expected to be on par with non-HARP rates, meaning that HARP homeowners will get the same rates and pay the same fees as everyone else. There’s no “penalty” for using HARP.

The revamped HARP is expected to be generally available beginning Monday, March 19, 2012.

To get a head-start on HARP, check with your loan officer for the complete list of HARP eligibility requirements.

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Quick Tips : Boost Your Credit Score For Better Mortgage Rates

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Thu, 09 Feb 2012 11:09:40 -0800

Credit scores play a huge role in today’s mortgage market — larger than at any time in recent history. Blame it on the high default rates of the last half-decade. Lenders are reserving their lowest rates for the customers most likely to make on-time repayments.

Mortgage rates are at an all-time low. However, the low rates you see advertised on TV and online are only available to the home buyers and would-be refinancers whose credit scores are pristine. Having a high credit score is often the difference between getting “the best rates” from your lender, and getting something worse.

The first part of improving your credit score is understanding how it works. In this 5-minute piece from NBC’s The Today Show, you’ll learn the basics :

Why you shouldn’t close a credit card after you pay off a large debt
What is the maximize balance to leave on your credit cards, relative to your credit limit
What types of credit checks harm your credit scores, and which ones don’t

You’ll also learn how to shop for a mortgage with multiple lenders without having your credit score “dinged”, as well as several proven methods to raise your credit score quickly.

In the end, good credit scores are the result of paying bills on time and staying with your means. Those with the best scores, get the best rates.

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Banks Start To Loosen Up In Underwriting

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Tue, 07 Feb 2012 12:23:17 -0800

After a half-decade of tightening mortgage guidelines, banks are starting to “loosen up”.

The Federal Reserve conducts a quarterly survey of its member banks and, last quarter, not a single responding bank reported having tightened its mortgage guidelines for prime borrowers.

A “prime borrower” is defined as one with a well-documented credit history, high credit scores, and a low debt-to-income ratio.

53 banks responded to the Fed’s survey and none said that mortgage guidelines “tightened considerably” or “tightened somewhat” between September and December 2011; 50 said that guidelines remained “basicaly unchanged”; 3 said that guidelines “eased somewhat”.

Mortgage applicants sometimes remark that the mortgage approval process can be challenging. Last quarter’s Fed survey hints that looser standards are coming.

Not since before the recession have banks lowered mortgage approval standards like this and it bodes well for this year’s Houston housing market. Real estate agents report that 1 in 3 home sale contracts fail with “declined mortgage applications” as a leading cause.

Looser mortgage lending standards should mean more home loan approvals for buyers, and fewer contract cancellations. This can spur the housing market forward.

Make note, though. “Looser standards” should not be confused with “irresponsible standards”. It remains more difficult to meet bank standards as compared to 5 years. Today’s underwriters are more conservative with respect to household income, overall assets and credit scores.

Even as compared to one year ago:

Minimum credit score requirements are higher
Downpayment/equity requirements are larger
Maximum allowable debt-to-income ratios are lower

For buyers and refinancing households gaining approval, though, the reward is the lowest mortgage rates in a lifetime. Mortgage rates in Texas continue to fall, helping home affordability reach new highs.

If you’re in the market to buy a new home or refinance one, your timing is excellent.

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The 10 Longest Commutes In The United States

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Tue, 07 Feb 2012 12:16:54 -0800

According to the Census Bureau, more than 3.2 million U.S. workers spend over 3 hours commuting to and from work each day.

Commutes exceeding 90 minutes in each direction are known as “extreme commutes” in Census Bureau parlance. As compared to typical commute times nationwide, they’re aptly named.

The national, average commute time is just 25.1 minutes.

For home buyers in any U.S. city, make sure to make commute times a consideration before placing an offer on a property. The length of your daily commute will make an impact on your life.

Studies shows that shorter commutes are linked to higher levels of life satisfaction. Long commutes are linked to low levels of life satisfaction.

As ranked by the Census Bureau, here are the 10 cities with the longest average commute times, where commuting is defined as the total time to arrive at work, inclusive of all modes of transportation (i.e. automobile, train, subway, foot, or other) :

New York / North New Jersey / Long Island : 34.6 minutes
Washington, DC / Arlington / Alexandria : 33.4 minutes
Poughkeepsie / Newburgh / Middletown, NY: 32.2 minutes

Bremerton / Silverdale, WA : 30.8 minutes

Chicago / Naperville / Joliet, IL : 30.7 minutes

Winchester, VA : 30.3 minutes

Atlanta / Sandy Springs / Marietta, GA 30.1 minutes

Riverside / San Bernardino / Ontario, CA : 30.0 minutes

Stockton, CA : 29.8 minutes

Baltimore / Towson, MD : 29.7 minutes

Poughkeepsie / Newburgh / Middletown, NY: 32.2 minutes
Bremerton / Silverdale, WA : 30.8 minutes
Chicago / Naperville / Joliet, IL : 30.7 minutes
Winchester, VA : 30.3 minutes
Atlanta / Sandy Springs / Marietta, GA 30.1 minutes
Riverside / San Bernardino / Ontario, CA : 30.0 minutes
Stockton, CA : 29.8 minutes
Baltimore / Towson, MD : 29.7 minutes

By contrast, the shortest commute belongs to residents of Great Falls, Montana. The average commute for the city’s 58,000 residents is 14.2 minutes.

A long commute to work should not deter you from moving to a particular home or neighborhood, but your time-en-route should be a consideration. Before making an offer on a home , therefore, practice the rush hour commute from your potential new neighborhood in the morning, and back to it again that evening.

Then, imagine making the commute every day.

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Lock An Instant 13% Savings On Your Monthly Mortgage Payment

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Tue, 07 Feb 2012 12:13:00 -0800

Falling mortgage rates make owning a home more affordable. Mortgage rates are directly tied to monthly mortgage payment so as mortgage rates drop, so does the cost of home-ownership.

It’s a money-saving time to buy a home — or to refinance one. Mortgage rates have never been this low in history.

According to Freddie Mac, last week, the average 30-year fixed rate mortgage fell to 3.87% nationwide for borrowers willing to pay an accompanying 0.8 discount points plus closing costs. 0.8 discount points is a one-time closing cost equal to 0.8 percent of your loan size, or $800 per $100,000 borrowed.

This represents an incredible value as compared to February of last year.

It was exactly one year ago that mortgage rates begin their long slide lower. On February 11, 2011, the 30-year fixed rate mortgage reached its peak for the year, reading 5.05% in Freddie Mac’s nationwide survey. If you are among the many U.S. households that bought or refinanced a home around that time, you could choose to replace your current home loan with a new one and save close to 13% on your monthly mortgage payment.

13 percent saved on your mortgage is a noteworthy statistic.

Look at this 30-year fixed rate mortgage payment comparison over the last 12 months :

February 2011 : $539.88 principal + interest per $100,000 borrowed
February 2012 : $469.95 principal + interest per $100,000 borrowed

Because of falling mortgage rates, a homeowner with a $250,000 30-year fixed rate mortgage would save at least $175 per month just by refinancing into a new loan at today’s mortgage rates. That’s $2,100 in savings per year.

Even after accounting for discount points and closing costs, the “break-even point” on a mortgage like that can come relatively quickly.

We can’t predict mortgage rates so there’s no promise rates will stay like this forever. If you’re planning to buy a home or refinance one, the best way to keep your monthly payments down is to lock your rate while rates are still low.

The market looks ripe for that now.

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When the time comes to sell

Payam Bakhaje ( Licensed in DC, MD and VA ) (Long & Foster Realtors ) — Fri, 03 Feb 2012 21:03:14 -0800

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