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homes for sale in vancouver: The return of housing affordability in Washington- from a lenders perspective - 01/17/11 09:31 PM
So I posted an article from NAR on Facebook and someone commented what if values drop another 10% and here is my answer.
Ok- Let’s run the numbers at a 10% drop the first year of ownership but a conservative 2% year after year 2-5 and say we have a $200,000 purchase with 10% down at 4.5% on a Lender Paid Mortgage Insurance (LPMI) program with a $180,000 loan today we have a payment of $912 and $235 for T&I vs. rent at $1250 and rental insurance at $25.00.
So $1275 to rent vs. $1147.00 to own assuming a 28% tax … (0 comments)

homes for sale in vancouver: Are we in a bank Crisis? Clark County Mortgage update - 05/07/09 03:21 PM
The Labor Department gave us both of this morning's releases. The more important of the two was the 1st Quarter Productivity and Costs data that revealed a larger than expected 0.8% increase in worker output. The bad news came from the Unit Labor Costs reading that showed a 3.3% increase. That was higher than the 2.7% that was forecasted, meaning employer costs were higher than thought. Higher costs can translate to wage inflation concerns, therefore, this portion of the report is a negative for bonds.The second bit of news was last week's unemployment figures. It showed that 601,000 new claims for … (0 comments)

homes for sale in vancouver: Boob Job is a deduction... or is it an increase? - 04/15/09 09:44 PM
Hello Everyone,
Hope your tax day is going well….So I heard last night on TV that a stripper claimed a “boob job” (Can I say that on my daily report?) on her taxes and when audited she was able to keep the deduction! (or was it an increase?)     Work related expenses I guess … Who would have known?
 
No worries here as I have an extension- I was once told that those with extensions are 60% less risk of an audit! So I think I am going to wrap my arms around that and use it for my excuse. It … (0 comments)

homes for sale in vancouver: GOOD NEWS TO START SPRING OFF IN THE NW! - 03/23/09 03:16 PM
National Economic Update - March 23, 2009
The Commerce Department reported that housing starts unexpectedly jumped 22.2% in February to a seasonally adjusted annual rate of 583,000 units. This ended the longest streak of declines in 18 years. Economists had anticipated a 3.4% decline to 450,000 units. Leading the surge was an 82% increase in the building of multifamily homes — condominiums, apartments and townhouses — to 226,000 units in February from 124,000 in January. Housing starts for single-family homes rose 1.1% to 357,000 units. Building permits for single-family homes climbed 11% in February to 373,000, compared to 336,000 in … (0 comments)

 
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Bill Black CMP CDPE MLO #49242

Vancouver, WA

More about me…

Directors Mortgage

Address: 2101 NE 129th Street #219, Vancouver, Wa, 98660

Office Phone: (360) 326-8891

Cell Phone: (360) 910-3290

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