Posts Tagged ‘Home Loans’

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Recession Pt. II: How Could It Effect Housing?

Thursday, August 25th, 2011

Here’s something amazing: interest rates on U.S. Treasury bonds have gotten so low, so cheap, that if you invest in them (widely considered the safest investment you can make), there’s a good chance you’ll end up earning less in interest than the rate of inflation. On a five year bond, for example, you’d lose .75 percent.

In other words, you’re choosing to lose a little bit of money, rather than risking losing a lot of money. You’d be better off sticking your money in a giant piggy bank under a humongous mattress inside of enormous safe).

So why are investors still flocking to U.S. bonds? Well, as we mentioned last week, even a U.S. downgraded by a credit ratings agency is still truly one of the safest investments you can make. We have all the fundamentals for a robust economy — unmatched natural resources, (comparatively) effective governance, and rule of law that is (comparatively) strong. And despite how close we came to defaulting on our debts for self-inflicted reasons, no one really thinks we’ll be unable to pay debts for economic reasons anytime soon. We’re safe.

Plus, foreign countries simply love having dollars, even when it’s a little bit shaky. Global trade relies on a dominant “reserve” currency, and there’s simply nothing else out there to replace it.

But there’s another explanation. According to Bill Gross of PIMCO, the world’s largest bond fund: “They certainly reflect, in terms of their yields, not only a potential for a recession but the almost high probability of recession and the result of lowering inflation.”

So there you go. People are investing in treasuries both because the American economy is awesome, as well as because people think the American economy is about to tank again.

Only in America.

Regardless, it’s good for potential homebuyers. Here’s why:

If we slide back into a recession, the effect on housing won’t be the same. The housing market is holding the recovery back, yes. But it’s not like the housing bubble has re-inflated and is about to pop again. Prices are already about as low as they can get, and they’re going to stay low for a little bit longer. That’s not helping the economy, but it’s not the same as in 2007 and 2008, when so many homeowners saw the value of their homes plummet so precipitously almost overnight.

In fact, one of the most encouraging sign we have for the medium-term outlook in America is that — slowly but surely — the housing mess is sorting itself out. Americans are paying down debts, and the biggest drag on the economic recovery is slowly going away.

For potential home-buyers, this means historically low home prices, historically low Texas home purchase interest rates, and historically low home refinance rates. And here at Texas Lending, we’re proud to boast the lowest Texas home interest rates in the state.

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Home Interest Rate Limbo: How Low Can They Go?

Tuesday, August 16th, 2011

What do you call it when something hits rock bottom — and then keeps right on dropping?

Home interest rates continued to intrepidly explore the geologic depths of the housing market this week — both in Texas and across the country. As result, it’s simply cheaper now than it’s been in several decades to buy a home in Texas.

According to real estate database Zillow.com:

With this week’s Fannie/Freddie downgrade, stock market tumble, and the Fed’s promise to keep interest rates low until 2013, many have been left wondering what the impact will be on the housing market and, more specifically, how mortgage rates will change. As it turns out, Zillow Mortgage Marketplace shows that today’s 30-year fixed mortgage rate has taken a fall from Tuesday’s 9-month low of 4.14 percent to a new all-time low of 3.92 percent. This rate represents the first time the rate has dropped below 4 percent as well as the lowest rate recorded since Zillow Mortgage Marketplacelaunched in April 2008. Prior to today, the lowest rate recorded on Zillow Mortgage Marketplace was 4.07 percent on Nov. 9, 2010.

Or, as economics blog Modeled Behavior put it: “If I wanted to be a homeowner, I’d strongly consider buying right now.”

As we mentioned during the debt ceiling negotiations, there was concern that a credit downgrade would cause U.S. treasury bond rates jump, which would make mortgage rates jump as well. But, as we mentioned last week, when credit rating agency Standard & Poors actually did downgrade the U.S. treasuries, a remarkable thing happened — the buying of U.S. bonds only accelerated. In other words, even a congressionally dysfunctional U.S. is still one of the safest investments anywhere in the world.

Eventually rates are going to go back up. But, for now, it’s still a historically great time to buy — especially if you don’t need to sell a home in order to do so. Here at Texas Lending, we boast some of the lowest Texas home purchase loan interest rates and Texas home refinance rates in the state. 30-year fixed rates have hit 3.875 percent. 15-year fixed rates have hit 3.25 percent.

We’re eager to make it easy for folks to start buying again. If you’re in position to buy a home, don’t wait until rates and prices rise again.

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Deal or No Deal: Home Interest Rates Possibilities

Monday, July 18th, 2011

Without getting into politics, let’s take a look at how the success or failure of the debt ceiling negotiations these next couple weeks could affect the Dallas housing market. For better or for worse, what happens in Washington effects everyone — especially, as we detailed a few weeks ago, when it comes to Texas home interest rates.

Here’s how three potential scenarios could effect the landscape here in Texas:

1. Deal!

Currently, Texas is witnessing a prolonged buyer-friendly market. Unsold inventories are high, keeping prices low. Land is abundant. Texas home interest rates are firmly anchored to the rock bottom. For folks in position to buy, there truly never has been a much better time to buy (no cliche). And here at Texas Lending, we offer some of the lowest rates for Texas home purchase loan, Texas home refinance loans, and Texas home equity loans in the state.

Naturally, if a debt-ceiling/reduction deal is passed, this favorable homebuying environment should last a while longer.

Over the long-term, interest rates will eventually need to rise. And depending on how successful the deal is at reshaping the debt picture, we could end up back in the same sort of budget impasse a year or two from now (remember—the debt ceiling was raised seven times during the Bush Administration, so these debates can happen pretty regularly).

But, in the short-term, this historically buyers-friendly market will hang around just a little bit longer.

2a. No deal. Mo’ recession.

Depending on who you believe, a failure to reach a deal would either lead to economic catastrophe or, well, it wouldn’t. Let’s look at the worst-case scenario first:

As we explained a few weeks ago, home interest rates are basically tied to U.S. treasury rates, so the effects of a Washington default will trickle down to states like Texas as well. Washington Post domestic policy blogger Ezra Klein explains:

It’s easy to understand why the government will have more trouble borrowing if it fails to pay its debts, or even has a difficult time paying its debts. It’s a bit harder to see why ordinary Americans, the city of Pittsburgh, hospitals in Iowa, and medium-sized corporations will have more trouble borrowing. But they will. [...]

Much of the debt in the American economy, and in fact globally, is “benchmarked” to Treasury debt. When your bank quotes you a mortgage rate, the calculation begins with the rate on 10-year treasuries and then adds premiums for various types of risk specific to you and your area on top of that. “There’s a whole credit structure,” says Pete Davis, president of Davis Capital Investment Ideas. “Think of it as roads and bridges, but it’s finance, it’s all connected, and it’s all on top of treasuries. Your CD at a bank, your credit card interest rates, your car loans, your mortgages — that’s all built on Treasury rates. So when you shake the basis of it, everything on top of it shakes, too.”

This is how a default gets into the rest of the economy: It takes everything the financial markets thought they could know and rely on and upends it. It then shuts off credit, or makes it prohibitively expensive, for nearly every participant in the economy, from states and cities to hospitals and universities to homebuyers and credit-card applicants. That, in turn, freezes all of their activity, which destabilizes everyone who relies on them, which then destabilizes financial markets further, and so on.

There’s some history of this happening: In 1979, a combination of debt limit failure and a breakdown of the Treasury’s check-printing machines (!!!) alone led to a 0.6 point increase in interest rates ($50 to 100 billion per year in today’s terms) that lasted several years. And rating agencies like Moody’s have already put U.S. debt on review for a possible downgrading from AAA status — which alone could make interest rates spike.

In other words, things could get complicated quickly, leading home interest rates to rise.

2b. No deal. No problem.

Of course, many powerful voices in Washington contend that the fear about default is being overblown for political reasons, and that short-term default pain is bearable and necessary in order to put us on sound economic footing again.

If true, then the lucrative Texas home-buying environment should continue — especially while the Fed does everything it can to keep rates low to limit the impact of default on unemployment. Add in a healthier long-term debt outlook, and boosted investor confidence could spur the overall economy and housing market to more rapid improvement. Furthermore, that short-term pain (incurred while getting to such sound footing) could lead to a more sluggish recovery — counter-intuitively keeping the housing market ripe for home-buying.

More likely, however, is that the initial market turbulence will make borrowing at least temporarily difficult while the default sorts itself out. Lending tends to dry up during periods of uncertainty — even if the warnings about default turn out to be overblown.

So if you’re in position to pull the trigger on a home soon, it might be prudent to do so before we hit those rough waters. Apply online today to get the process started.

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Banks Bailing on Reverse Mortgage Market. We’re Not.

Tuesday, July 5th, 2011

Let’s say you’ve spent years and years building up equity in your home, and steadily seen its value rise. But suddenly, in the wake of the recession, you’re facing a cash-strapped retirement. Normally, a reverse mortgage would be a great way to turn that equity into a stress-free future.

The big banks can no longer help you do that. We can.

According to Aol’s DailyFinance:

Last week, Wells Fargo, the biggest name in the nation’s reverse mortgage market, announced that it was getting out of the business, citing concerns that housing prices could continue to erode further. That move followed in the footsteps of No. 2 reverse mortgage player Bank of America, which exited the business earlier this year. Combined, the two banking behemoths represented 43.6% of the reverse mortgage market, based on a 12-month trailing period ending in April, according to industry researcher Reverse Market Insight.

If you didn’t catch that, the two largest banks in the reverse mortgage market (43.6 percent of the market, in fact) just aren’t in the mood to ride out the unstable market any longer. To that we say: “Surfs up!” We’ll stick with you on this bumpy wave until we’re all on calmer seas again. Here’s how one of our Texas reverse mortgages can help:

For elderly homeowners over the age of 62, reverse mortgages are a great way to access the equity they’ve spent decades building up in their homes. Basically, we “buy” the home from the homeowner while letting them live in it as long as they’d like. They only pay insurance, property taxes, and general upkeep (some upfront fees also apply). This gives the homeowner a hefty sum of cash and the chance to enjoy their golden years without financial stress.

After the homeowner either passes away or simply moves out, we sell the house in order to make up the difference. If the market has recovered and the home sells for more than it was worth when the reverse mortgage was purchased, remaining funds will go to homeowner’s heirs.

In other words, it’s an innovative way to make what’s probably your biggest asset — your home — carry you through retirement. Contact one of our Dallas reverse mortgage specialists for more information.

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Feds Sticking With Low Home Loan Interest Rates: How It Affects You

Monday, June 27th, 2011

It looks like historically low home interest rates will be here for the foreseeable future — great news for folks in Texas looking to buy a new home.

According to AdvisorOne:

Federal Reserve policymakers are expected on Wednesday to keep interest rates at their historic lows and to make no plans for a third round of quantitative easing after the second round ends on June 30.

They’ll keep the supply of bonds that they hold relatively stable, and that will help keep intermediate- to longer-term interest rates low,” he predicted. “As interest rates stay low, that will hopefully encourage lending, and that lending will encourage growth in the economy. The Fed’s primary tool is monetary policy and interest rates, and they’ve really done everything they can to keep interest rates low.”

The Federal Open Market Committee (FOMC) meeting will be its first since April 27 when it maintained the federal funds rate at 0% to 0.25% and said that conditions in the U.S. economy “are likely to warrant exceptionally low levels for the federal funds rate for an extended period.”

Got it? Gibberish? We’ll explain:

What the Federal Reserve does matters to folks in need of a Texas home loan for several reasons. Primarily, however, it’s because Texas home purchase loan rates and Texas home refinance rates tend to rise and fall almost exactly alongside the Fed’s rates.

Here’s why — in an oversimplified (but hopefully helpful) nutshell:

Interest rates rise when money in the economy gets tight. In a weak economy like the current one, when overall consumption is still far below where it needs to be to sustain a full recovery, the Fed wants to keep interest rates low to make it easier for folks to get loans and start businesses, use credit cards, and buy homes. To achieve this, the Fed increases the money supply, which lowers rates by limiting competition for the available dollars.

This can lead to inflation, debt, and dangerous currency devaluation on the global market if its not carefully controlled, which is why the Fed will eventually reverse course and try to shrink the money supply following an economic recovery.

In other words, eventually federal interest rates will rise, and home loan and home refinance rates will as well. But, if the Fed’s recent moves tell us anything, we’ll see historically low home interest rates for a while longer.

This is excellent news for Texas folks in need of a home loan, home equity loan, or home interest loans. Interest rates are anchored to the rock bottom, and here at Texas Lending, we’re offering the lowest home interest rates of anywhere in the Texas.

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How to Stand Out as a Home-Seller: Be Human

Monday, June 20th, 2011

Personal touches can pay off in a big way — especially in a competitive housing market.

For example, Aol Real Estate tells the story of one family who actually had an easy time selling their home, but a much tougher time buying (remember those days?). In the end, it was a personal touch from the mother of the family that made all the difference, and won her family the house:

After three unsuccessful tries, she gave up on foreclosures altogether and started searching for conventional listings. And when it came time to place an offer on the next property–a bright and sunny family home on a cul de sac–Lorena approached the purchase not just as a prospective buyer but also as the mother of young children.

Along with the offer, Lorena submitted a personal letter and a family photograph to the seller. In it, she described how one of her daughters had helped find the house and “was looking forward to having pool parties.” The very next day, the sellers accepted the offer, telling Lorena that they really appreciated the sentiment. It turns out that the sellers had children too and liked the idea of the home going to another family. And that’s not even the best part.

“The other person who was bidding, their offer was $10,000 over ours. But because of our letter and the photo, they chose us,” Lorena says.

The same lesson applies to folks both trying to sell their homes and trying to buy their homes here in Dallas. Getting just a little bit creative, and not just expecting an agent and the house itself to do all the work, can pay huge dividends.

This includes efforts to make a connection with the owner or buyer, like the letter mentioned above. If you’re selling, make it easy for potential buyers to imagine the great things about life — memories, holidays, family events — happening in that home by helping them visualize what life there would be about. Sell the community as well — gush about wonderful summer days down at the swimming pool and rec center, or about how satisfied you’ve been with the local schools, or some of the connections you’ve made with other parents in the community.

Sometimes, in a selling situation, it’s your house itself that can make that all-important personal connection. You just have to help it put on its best face.

Let’s say you live in a spec home that’s pretty similar to most other houses in your neighborhood. Just a little bit of remodeling or home improvement work can go a long way toward helping the house stand out from the crowd and form a personal connection with potential buyers. A new kitchen or bathroom that potential homebuyers love, and therefore remember, could make your home sell much quicker (and for a much higher asking price) than a similarly designed and sized home nearby.

Here at TexasLending.com, we can help. Our Texas home equity loans and Texas home refinance loans can both free up a bunch of cash that could then be used for large-scale home improvements. We’re proud to offer a diverse range of home equity and refinance products, and our Texas refinance rates are historically low. As result, we can make it easy for you to do what’s needed to thrive in a tough housing market.

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The American Dream Lives: Home-Ownership Proves Its Worth

Friday, June 17th, 2011

Despite all the pain created by the housing market collapse, the long-term case for home-ownership appears to only be getting stronger.

According to the Wall St. Journal:

Despite all the gloom, however, there are growing indications that it is a good time to buy. Mortgage rates, which fell to 4.55% for the week ending June 2, according to Freddie Mac, are near 50-year lows. Homes have become more affordable than they have been in years: According to Moody’s Analytics, the ratio of home prices to income is now 20.9% lower than the 15-year average through 2010, and 12.5% lower than the 1989-2004 average. A historic glut of homes, meanwhile, has created a buyer’s market: There were about 15 million vacant homes in the U.S. last year.

But the long-term benefits of home ownership remain very much intact. For now, at least, you can deduct the mortgage interest on your taxes—a big perk for people in higher tax brackets. You get to paint your walls any color you wish, without having to clear it with a landlord. And assuming you can buy a home for about the same price as you can rent one, buying will give you the ability one day to live rent-free. Come retirement time, a paid-off mortgage means your monthly expenses are significantly reduced, and you have a chunk of equity to play with.

At Texas Lending, our rock bottom Texas home loan interest rates make now a great time to buy. Similarly, our home refinance loan rates are anchored to the floor. But the home-buying environment just isn’t going to get much more ripe than it is right now.

The Wall St. Journal also notes that once the main factor holding markets back — the glut of foreclosures created by the crisis — clears up, other factors like prices and employment should also quickly return back to normal. Currently, signs confidently point to 2013 for the end of the foreclosure mess. Prices could begin to tick up before then.

The numbers needed for a more robust recovery are slowly starting to align here in Dallas more quickly. According to the Dallas Morning News, for example, home foreclosures have seen a pretty big drop these past few months:

Home foreclosure filings in North Texas are down for the fourth consecutive month. The number of Dallas-Fort Worth homes threatened with forced sale by lenders is 6 percent lower for June than a year earlier, according to Foreclosure Listing Service. And foreclosure postings are down 7 percent so far this year compared with the first six months of 2010.

“For the first time in 11 years, foreclosure posting activity for mid-year declined compared to the previous year,” said George Roddy, president of the Addison-based foreclosure tracking firm, in the company’s latest report. The biggest decline in June foreclosure filings was in Dallas County, where postings were 10 percent lower than a year ago.

And when the recovery finally shakes off its sluggishness for good, both interest rates and home prices will increase. That’s good news for the broader economy, but it means the window of this historic buyer’s market will close. Similarly, the chance to refinance your home at at historically low refinance rates will also slip away.

So if you’re in a sound position to consider buying a home, contact one of our Texas home loan specialists to learn more about your options. Opportunities abound out there in the Texas housing market, and we’re eager to help potential homeowners find them.

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North Texas High-End Homes Surge in Sales

Monday, June 6th, 2011

High-end home sales are up in North Texas, while most other home sales are down. Confused? Don’t be—just learn from it.

According to the Dallas Morning News:

Housing slowdown? What housing slowdown? Sales of higher-price homes in North Texas are rising this year while the overall market is still in the tank. Affluent buyers, many armed with cash, are scouring the market for marked-down mansions in the Park Cities, North Dallas and other exclusive neighborhoods.

While overall home sales in North Texas were down 13 percent in the first quarter, sales of homes priced above $500,000 were 18 percent higher than a year earlier. And purchases of million-dollar homes are up 6 percent in the Dallas-Fort Worth area from first quarter 2010.

Indeed, housing analysts say that homebuyers who’ve put off purchasing, some because they couldn’t sell a current property, may be ready to make a move. “We’ve got almost four years of pent-up demand out there,” said Mark Dotzour, chief economist for the Real Estate Center at Texas A&M University. “People just went on hold about July of 2007, when the credit markets started freezing up. Businesses and consumers have been postponing decisions.”

This is good news for North Texas homeowners who bought homes they couldn’t quite afford before the housing bubble popped, and have been waiting eagerly to sell and move into more affordable digs. And it’s good news for folks in position to take advantage of this buyer’s market, and potentially land a property they wouldn’t have just five years ago. If you’re in position to buy a high-end home (say, Troy Aikman’s $24 million mansion), our Texas mortgage interest rates are anchored to the rock bottom. Now might be the best possible time to do so.

It’s also a good reminder of just how much housing markets can change from neighborhood to neighborhood, and just how important local expertise is when looking to buy a new home. While many neighborhoods in North Texas just can’t seem to see any sort of sustained growth in home prices, others are starting to thrive. Economic recovery, in other words, is an uneven process, so it’s important to look carefully at housing markets when shopping for a new home.

According to prominent real estate attorney Adam Leitman Bailey,:

Today, more than any other time in history, information is the key. You need to become an expert on your local market. There are three things you must do: Look within a small geographic area; look intensely for a short period of time; look at many, many properties.

After a while, you will know what the price should be and will spot a bargain when you see it. Spreading out your search over various neighborhoods, or taking a year to do it, or only going to open houses on Sundays won’t cut it. The market is rapidly changing and very hyper-localized. Focus narrowly and focus intensely.

Here at Texas Lending, we’ll eagerly provide a fountain of knowledge about local housing markets, and are happy to help you learn how to scour Texas for great deals. And when you find the right fit, we’ll carefully walk you through the Texas home loan process.

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First Time Home-Buyer? Three Ways to Get Informed

Monday, May 23rd, 2011

Despite the pain it causes for many Dallas homeowners, a slumping market is still a uniquely lucrative opportunity for first-time home-buyers. If you don’t need to sell your home in order to buy a home, now might be a great time to do exactly that.

But information is key to navigating the home-buying process — especially for those who haven’t done it before.  Here at Texas Lending, our Texas home loan experts can make home-buying easy for you.

Here are three areas where we can give you what you need to know:

1. The Process

A simple, transparent process makes life easier for everyone involved in a home purchase. So we’re eager to tell you everything you need to about:

To understand more, take a look our home loan process resource section, which walks you through everything from credit reports to applications to underwriting approval.

2. The Available Options

Not every potential homeowner will be in the same situation. So we offer a comprehensive variety of home loan options, including:

  • Conventional loans
  • 30-year fixed-rate loans
  • 15-year fixed rate loans
  • FHA loans
  • VA loans
  • Jumbo loans
  • Adjustable-rate mortgages (ARMs)
  • Interest-only loans

3. The Future

At Texas Lending, our goal is to help your family buy a house that you love and that you can afford — both now and two decades down the road. Our careful, informative process is designed to ensure that you won’t end up in over your head.

But circumstances do change over time. Economies boom and slump, rates rise and fall, and jobs are gained and lost. So we offer a smorgasbord of ways to alter your situation down the road, including home refinance loans, home equity loans, and reverse mortgages. In fact, we offer the lowest Texas refinance rates anywhere (Check out today’s home loan rates).

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Dallas Real Estate Prices: The Musical

Thursday, May 12th, 2011

If housing markets were mountain ranges, America would be the Rockies, Miami would be Himalayas, and the Dallas-Ft. Worth Metroplex would be, well, the Dallas-Ft. Worth Metroplex.

If housing markets were operas? You’ll just have to take a listen for yourself.

Decade of Home Prices

The good folks over at Planet Money are more than a little obsessed with figuring out ways to explain the economy in clear, innovative ways. So it should be no surprise that they went out and hired a real live opera singer to do a fine arts take the Case-Shiller index (which tracks home prices across the nation).

“The Case-Shiller home price index is a powerful way to look at the story of housing in America. You can see the boom and bust all in one simple graph. But when we go on the radio to talk about home prices, a graph isn’t much good to us — nobody can see it.

So we converted the Case-Shiller graph into musical notes.”

It’s a fun way to understand just how the market has changed over the past ten years, and it’s a good way to see just how different the housing bust has been in different parts of America. In places like Miami, for example, the pop was severe — think Mariah Carey.

“I could see those towers, those cranes, building those condo buildings on Miami Beach,” says Karl Case (of Case-Shiller). “Some of those cranes are still there. They’re not building much now.”

But in Dallas, the past ten years have sounded more like a chanting Buddhist monk. This is thanks in part to the big boom and boost we experienced back in the 1980s. According to Robert Shiller (of the Case-Shiller):

They’ve been through that, they’ve seen it, and they’re not ready for another bubble, and they just didn’t participate in this one. It’s like opera: You only have one grand moment when the heroine and the hero die on stage. You can’t do that again right away.

Case Shiller Home Prices

Two lessons:

1. Compared to most places in the country, real estate in Dallas-Ft. Worth is relatively stable. We’ve got jobs. We’ve got land. We’ve got warm weather. It’s simply a great place to live.

2. If you take the long-view, even mired…. home prices are still higher than they were ten years ago. In other words, even in a decade marked by the worst recession since the Great Depression, housing still proved itself as a relatively stable investment.

Of course, this is a light-hearted take on a problem that’s caused a lot of homeowners a lot of pain. So here at Texas Lending, we’re eager to help you make a safe, shrewd home investment. Whether through a Texas home loan, a home refinance loan, or a home equity loan, we’ll help you make the most of any market—high or low.

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