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30-Year Fixed Mortgages Looking Good Now

Amid a steady stream of headlines about turmoil in the U.S. mortgage market propelled by rising defaults of subprime loans, home buyers and owners are fast turning to traditional, long-term mortgages for home financing needs.

Thirty-year fixed-rate mortgages provide certainty and security, features that had been of little concern to many home buyers and owners who tapped initially less expensive adjustable-rate mortgages during the housing boom of recent years to buy houses and refinance mortgages.

Now with the housing market in an extended slowdown, in part because so many adjustable-rate mortgages are in default as "teaser" interest rates have lapsed and monthly payments have soared, home buyers and owners are taking a second look at long-term, fixed-rate debt and are liking what they see, according to Wharton School Professor Susan Wachter's U.S. Mortgage Payment Index.

The perception out there is that a year from now, mortgage interest rates will be higher.  It's just a question of how much higher.  Which, when combined with more inventory on the market than in recent years, could make now the best time to buy a home than we've seen in a very long time.

We'd love to hear your comments about the current market trends and news.  Leave your comment below…

Has the Real Estate Market Hit Bottom Yet?

Numbers suggest that things are likely to get worse before they get better. After a sluggish start to the spring selling season, the National Association of Realtors reported that pending sales dropped 3.2 percent in April, the most recent data available, while mortgage applications fell about 2 percent over the past month, according to the Mortgage Bankers Association.

Since peaking last summer, the median price of an existing house has now fallen by $9,300 to $220,900, about 4 percent, according to the NAR. That's the first year-over-year decline ever recorded. But prices are still a third ahead of where they were when the market began its amazing run back in 2003. Sales, too, have fallen by about 20 percent since their 2005 peak, while the inventory of unsold homes has nearly doubled to an unwieldy 8.4-month supply.

It appears that it's more psychology than actual hardship that's keeping most of the buyers away.  In reality, there hasn't been a better time to buy a home in years!

Some economists say many sellers will have to reduce their prices by at least as much as they have already—another 4 percent or so—before the market finally reaches equilibrium.  Given how slow some have been to do that, it might take until next summer before things finally bottom out.

That having been said, tightening credit standards—not only for subprime borrowers but also for more creditworthy ones—has clearly dampened demand and pushed sellers to do more than just lower prices. In a recent survey by the Federal Reserve, nearly half of all loan officers said they had raised their standards for nontraditional loans, while 15 percent said they had increased requirements on prime borrowers, raising credit score minimums and more closely scrutinizing property appraisals.

Have you been thinking about buying a home but have been scared into a closet by all the negative news?  We'd love to hear your comments about it by clicking the comment link below.

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Choosing a Real Estate Appraiser

If you plan to finance your home through a bank or other lender, you’ll more than likely need to get the property appraised first. Banks and most lenders want to know the value of the home for your protection, as well as make sure that the home they are financing is worth the total amount that you take on the loan.

The appraisal usually indicates that the home meets or exceeds the asking price.  In some cases however, the appraisal will come back saying the home is worth less than the asking price.  If this happens, the buyer normally has to either drop the deal or try to negotiate with the seller to get a price that meets the appraisal.

When you are buying a home, one appraisal can make or break the deal.  Even if you're not financing your purchase through a lender or a bank, you should still get the home appraised and find out the true value.  You should also make a point to find the best appraiser you can afford.  If you hire an appraiser who isn’t that experienced, you’ll pay for it later when you discover the property isn’t worth what you paid for it.

When you look for a real estate appraiser, look for someone who comes highly recommended.  Ask family and friends for their opinions, or search local papers, ask your real estate agent, even search the Internet.  If you take your time and search for the best real estate appraiser that you can find – you’ll normally get an appraisal that is right on target.

If you have a question or comment about real estate appraisers, post it below by using the comment link.

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