Category: Real Estate

How Historically Low Interest Rates Increase Your Purchasing Power 歷史性低利率提高了您的購屋能力

How Historically Low Interest Rates Increase Your Purchasing Power

According to Freddie Mac’s latest Primary Mortgage Market Survey, interest rates for a 30-year fixed rate mortgage are currently at 3.47%. Rates have remained at or below 3.5% each of the last 16 weeks, marking a historic low.

根據房地美最新的主要房貸市場調查顯示,30年固定利率房貸目前的利率為3.47%,過去16個星期的利率皆維持在歷史低點的3.5%以下。

The interest rate you secure when buying a home not only greatly impacts your monthly housing costs, but also impacts your purchasing power.

您購買房屋時的利率不僅會對您每月房屋開銷有極大影響,也會影響您的購屋能力。

Purchasing power, simply put, is the amount of home you can afford buy for the budget you have available to spend. As rates increase, the price of the house you can afford will decrease if you plan to stay within a certain monthly housing budget.

購屋能力,簡單地說,也就是您能負擔得起的預算與費用。 如果您計劃每月房屋開銷有固定的預算,隨著利率的上漲,那麼您可以負擔的房屋價格會降低。 (more…)

Don’t Disqualify Yourself… Over Half of All Loans Approved Have a FICO Score Under 750 不要取消自己的資格… 超過一半的批准房貸信用分數低於750

Don’t Disqualify Yourself… Over Half of All Loans Approved Have a FICO Score Under 750

The results of countless studies have shown that potential home buyers, and even current homeowners, have an inflated view of what is really required to qualify for a mortgage in today’s market.

無數研究的結果證明,購屋者,甚至目前的房主,皆高估了在現今市場上取得房屋貸款的條件。

One such study by the Wharton School of Business at the University of Pennsylvania, revealed that many Millennials have not yet considered purchasing a home, simply because they don’t believe they can qualify for a mortgage.

賓州大學沃頓商學院的一項研究表明,許多千禧世代並沒有考慮購買房屋,只是因為他們不認為自己有資格取得房屋貸款。

The article quoted Jessica Lautz, the National Association of Realtors’ Managing Director of Survey Research, as saying that there is a significant population that does not think they will be approved for a mortgage and doesn’t even try. The article also quoted Fannie Mae CEO Tim Mayopoulos: 

該研究論文引述了全國房地產經紀人調查研究總經理Jessica Lautz說,有大量人口認為他們無法獲得房貸批准,甚至完全沒有嘗試過。文章還引用房利美執行長Tim Mayopoulos: (more…)

Do You Know the Cost of Renting vs. Buying? [INFOGRAPHIC]

Do You Know the Cost of Renting vs. Buying? [INFOGRAPHIC]

Some Highlights:
重點整理

  • Historically, the choice between renting or buying a home has been a close decision.
    在歷史上,租屋或買屋總是個很接近的決定。
  • Looking at the percentage of income needed to rent a median priced home today (30%) vs. the percentage needed to buy a median priced home (15%), the choice becomes obvious.
    看看今日租屋所需的每月收入百分比(30%)和買屋所需的每月收入百分比(15%),選擇變得顯而易見。
  • Every market is different. Before you renew your lease again, find out if you could use your housing costs to own a home of your own!
    每個市場都不同,在您再次續訂租約之前,請確定您是否早可以租金成本擁有自己的房子!

Appraisers & Homeowners Don’t See Eye-To-Eye on Values 評估師和屋主對房價看法不同

Appraisers & Homeowners Don’t See Eye-To-Eye on Values

In today’s housing market, where supply is very low and demand is very high, home values are increasing rapidly. Many experts are projecting that home values could appreciate by another 5%+ over the next twelve months. One major challenge in such a market is the bank appraisal.

在今日的房屋市場,供應非常低,需求非常高,因此房價迅速增長,許多專家預測,未來12個月內房價可能再升漲5%,在這樣的市場中的一個主要挑戰便是銀行估價。

If prices are surging, it is difficult for appraisers to find adequate, comparable sales (similar houses in the neighborhood that closed recently) to defend the selling price when performing the appraisal for the bank.

如果價格上漲,估價師在幫銀行做房屋估價時,很難找到足夠可比較的銷售紀錄(最近在附近成交的類似房屋)。 (more…)

The Role Access Plays in Getting Your House SOLD! 參觀權限對成功出售房屋的重要性

 The Role Access Plays in Getting Your House SOLD!

So you’ve decided to sell your house. You’ve hired a real estate professional to help you with the entire process and they have asked you what level of access you want to provide to potential buyers.

所以您決定出售房屋了,您已經聘請了一位專業房仲來協助您完成整個過程,現在房仲正詢問您希望提供買家什麼樣的房屋參觀權限。

There are four elements to a quality listing. At the top of the list is Access, followed by Condition, Financing and Price. There are many levels of access that you could provide to your agent to be able to show your home.

一個優質的出售屋有四個元素,第一重要的是參觀權限,接下來為房屋狀況,資金支援,和出售價格。有許多不同的房屋參觀權限可讓買家來參觀房屋。

Here are five levels of access that you could give a buyer with a brief description:

以下為可提供買家的五種房屋參觀權限: (more…)

The Past, Present & Future of Home Prices 過去、現在和未來的房價

The Past, Present & Future of Home Prices

CoreLogic released their most current Home Price Index last week. In the report, they revealed home appreciation in three categories: percentage appreciation over the last year, over the last month and projected over the next twelve months.

CoreLogic上週發布了他們最新的房價指數,報告中發表了三項房價上升的數據:過去一年、過去一個月、和預計未來十二個月的升值百分比。

Here are state maps for each category:
以下為每項數據的地圖表:
(more…)

3 Questions to Ask Before Buying Your Dream Home 購買夢想家園前必問的3個問題

3 Questions to Ask Before Buying Your Dream Home

If you are debating purchasing a home right now, you are probably getting a lot of advice. Though your friends and family will have your best interest at heart, they may not be fully aware of your needs and what is currently happening in the real estate market.

如果您現在正在考慮是否應該購屋,也許有許多人給您建議,雖然您的朋友和家人都是為您好,但他們也許並不完全了解您的需求,和目前房地產市場的走向。

Ask yourself the following 3 questions to help determine if now is actually a good time for you to buy in today’s market.

要確認現在是否為購屋的好時機,可以問問自己以下3個問題來幫助您決定。 (more…)

Mortgage Rates by Decade Compared to Today [INFOGRAPHIC] 今日與昔日的房貸利率比較 [圖表]

Mortgage Rates by Decade Compared to Today [INFOGRAPHIC]

Some Highlights:
重點整理

  • The interest rate you secure for your mortgage greatly influences your monthly housing costs.
    您的房貸利率大大影響每月住屋開銷。
  • In the 1980s, 30-year fixed mortgage rates averaged in the high 12s making the monthly principal and interest payment over $2,000.
    在1980年代,30年期固定房貸利率平均值為12%以上,使得每月本金和利息開銷超過$2,000美元。
  • Interest rates are still at historic lows; this is a great time lock in your housing cost and protect yourself from increasing rents, or refinance your current mortgage.
    目前利率仍處於歷史低點,這是一個鎖定您住屋成本、保護自己不受上漲租金影響、以及重新貸款的好時機。

Why We Need More Newly Constructed Homes 為什麼我們需要更多建商新屋

Why We Need More Newly Constructed Homes

The number of new home sales is far off historic norms. The National Association of Realtors (NAR) just reported that the percentage of all house sales that were newly constructed homes has fallen to the lowest numbers in forty years. Here is a graph showing the percentages:

目前新屋的銷售數量遠遠超過歷史規範,全國房地產經紀人協會(NAR)最新報告表示,建商新屋的所有銷售量百分比已經下降到四十年來最低的數字,下圖為顯示百分比的圖表: (more…)

Have You Put Aside Enough for Closing Costs? 您是否留有足夠現金支付交易費用?

Have You Put Aside Enough for Closing Costs?

There are many potential homebuyers, and even sellers, who believe that you need at least a 20% down payment in order to buy a home, or move on to their next home. Time after time, we have dispelled this myth by showing that there are many loan programs that allow you to put down as little as 3% (or 0% with a VA loan).

有許多買家,甚至賣家,認為需要20%的頭期款才能購屋,我們一次又一次的表明,有許多不同的房貸計畫,讓買家可以支付只要3%的頭期款(甚至無頭期款的VA軍人房貸)。

If you have saved up your down payment and are ready to start your home search, one other piece of the puzzle is to make sure that you have saved enough for your closing costs.

如果您存夠了頭期款,並準備開始尋找您的家,另一件重要的事情是要確定您有足夠的金錢可以支付交易費用。

Freddie Mac defines closing costs as:
房地美對交易費用的定義為: (more…)