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10 Questions on the New Mortgage Rules

January 14, 2013 by Marco Santarelli

Regulators issued new mortgage rules last week designed to prevent a return to lending practices that helped crater the housing market and brought the financial system to its knees during the past decade.

Here’s a look at some frequently asked questions:

What is a qualified mortgage? Congress amended federal lending laws in 2010 to give greater legal rights to borrowers who get mortgages they can’t afford. The new law, part of the Dodd-Frank financial-regulation overhaul, said if banks made a qualified mortgage — one that meets certain easy-to-identify criteria — regulators and courts would presume lenders had reason to assume a borrower could repay.

[Read more…]

Filed Under: Financing, Real Estate Investing, Taxes Tagged With: Mortgage Loans, Mortgage Rules, Real Estate Investing

Real Estate, Inflation and the Fiscal Cliff

January 6, 2013 by Marco Santarelli

There’s been a lot of fuss on how the “fiscal cliff” will get the U.S. economy into trouble in 2013. For starters, here’s a thorough explanation of how it can impact the economy.

(Video published by the WSJ on Oct. 31, 2012.)

[Read more…]

Filed Under: Economy, Real Estate Investing, Taxes Tagged With: Economy, Fiscal Cliff, Housing Market, inflation, Real Estate Investing, Real Estate Market, US economy

Mortgage Interest Deduction on the Chopping Block?

December 11, 2012 by Marco Santarelli

A tax break that has long been untouchable could soon be in for some serious scrutiny. Many home buyers deduct their mortgage interest when assessing their tax bill, a perk that has helped bolster the income of millions of families – and the broader housing market. But as President Obama and Congress try to hash out a deal to reduce the budget deficit, the mortgage interest deduction will likely be part of the discussion.

Limits on a broad array of deductions could emerge in any budget deal.  It is likely that any caps would be structured to aim at high-income households, and would diminish or end the mortgage tax break for many of those taxpayers.

[Read more…]

Filed Under: Financing, Real Estate Investing, Taxes Tagged With: Housing Market, Investment Property, mortgage interest, Mortgage Interest Deduction, Real Estate Investing, Real Estate Investment

5 Reasons Real Estate Prices Have Been Rising

December 3, 2012 by Marco Santarelli

Home prices rose by 0.1% in September from the prior month and by 3.6% from one year ago, the largest gain in six years, according to a report released Monday by Lender Processing Services.

Compared with one year ago, prices are up by 17.7% in Phoenix, the largest gain among the nation’s 40 largest metro areas. Other notable year-over-year increases include Detroit (11.7%), Las Vegas (11.5%), San Jose, Calif. (11.3%), San Francisco (10%), and Sacramento (8.3%).

Among the top 40 metros, only a handful have posted year-over-year declines, led by St. Louis, which was down by 4.1%. Bridgeport, Conn., was down by 2.3%, while Chicago (-0.5%) and Cincinnati (-0.1%) also posted declines.

[Read more…]

Filed Under: Foreclosures, Housing Market, Real Estate Investing Tagged With: home prices, Housing Market, Investment Property, Real Estate Investing, Real Estate Market, Real Estate Prices

The Real Estate Indicator Screaming "Buy"

November 27, 2012 by Marco Santarelli

Buy Real Estate NowI just locked down a 2.875% interest rate, fixed for the 15-year term of the mortgage. No points. With rates like these, I find myself rethinking the idea that I want to pay off my mortgage.

I can do a lot better than 2.875% investing the money. If I just sock it away in gold, I bet I’ll come out way ahead. Finding investments that clear such a low hurdle is not that difficult.

Right now is a great time to do this, if looked at from a historical perspective. The 10-year Treasury rate is 1.64% as I write. That is what investors are willing to accept to lend money to the US Treasury for a 10-year term. It seems absolutely crazy. But the Treasury rate we see is something of a forced smile.

[Read more…]

Filed Under: Financing, Housing Market, Real Estate Investing Tagged With: Housing Market, interest rates, Mortgage Loans, Real Estate Economics, Real Estate Financing, Real Estate Investing, Real Estate Investment, Real Estate Markets

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