There is no doubt that mortgage credit availability is expanding, meaning it is easier to finance a home today than it was last year. However, the mortgage market is still much tighter than it was prior to the housing boom and bust experienced between 2003 – 2006.
毫無疑問，房屋貸款的可得性正在擴大，這意味著現在比去年更容易拿到貸款，然而，房貸市場仍然比2003 – 2006年房市繁榮和蕭條期間更為嚴格。
The Housing Financing Policy Center at the Urban Institute just released data revealing two reasons for the current exceptionally high credit standards:
I met with college friends for lunch.
Our friend Linda picked the spot and Jang Ga Nae.
She said she watched a Korean drama “Let’s Eat”,
and the main characters had Gam Ja Tang so she wanted it, too.
Her Korean husband found this restaurant, and it was one of the best Gam Ja Tang she’s had.
這天和大學同學吃午餐，Linda同學選了Jang Ga Nae這家餐廳，
When I was kid in Taiwan, my parents used to take us to those shabu and BBQ kind of restaurant.
They all have similar names… Kariya, Coriya, Cariya, Karaya and that sort.
Mortgage interest rates, as reported by Freddie Mac, have increased over the last several weeks. Along with Freddie Mac, Fannie Mae, the Mortgage Bankers Association and the National Association of Realtors are all calling for mortgage rates to continue to rise over the next four quarters.
Freddie Mac的報導指出房貸利率在過去幾周持續增漲，Freddie Mac、Fannie Mae、房貸銀行家協會和全國房地產經紀人協會皆呼籲，房貸利率會在未來四個季度繼續上漲。
This has caused some purchasers to lament the fact they may no longer be able to get a rate less than 4%. However, we must realize that current rates are still at historic lows.
Here is a chart showing the average mortgage interest rate over the last several decades.
After eating dinner at the same plaza, we walked over to Taste Tea Cafe to get a drink.
Samgeoli Korean Restaurant is about 5 minutes drive from our house.
We got take out from them a few times already.
We usually get their beef rib soup and dumpling soup.
Both are hearty Korean soup dishes that tastes like a Korean grandma made it.
Last weekend we dined in at the restaurant for the first time.
Whether you are buying or selling a home, it can be quite an adventurous journey; you need an experienced Real Estate Professional to lead you to your ultimate goal. In this world of instant gratification and internet searches, many sellers think that they can For Sale by Owner or FSBO.
The 5 Reasons You NEED a Real Estate Professional in your corner haven’t changed, but rather have been strengthened, due to the projections of higher mortgage interest rates & home prices as the market continues to pick up steam.
1. What do you do with all this paperwork?
If you are planning on listing your home for sale, make sure that you don’t overlook the condition of your kitchen. A recent article on realtor.com listed “7 Signs Your Kitchen Is Way Overdue for a Renovation,” in which they warned:
“Dated kitchens—just like bathrooms—are a major barrier for resale. Buyers want modern amenities and styling, and most aren’t interested in renovating post-purchase.”
“老舊的廚房 – 就像浴室 – 是賣屋的主要障礙。買家想要現代化的設施和造型，大多數人對購屋後裝修不感興趣。”