3 Crucial Questions Most Home Buyers Don’t Know the Answer To…DO YOU?

3 Crucial Questions Most Home Buyers Don’t Know the Answer To...DO YOU?

Whether you are considering the purchase of your first home or trading up to the home your family frequently fantasizes about, there are three crucial questions you must know the answer to:

無論您正在考慮購買您的第一棟房子,或是搬家到您和家人夢想中的房屋,有三個關鍵問題,您必須知道答案:

  1. What is the minimum down payment required to purchase a home?
    購買房屋的最低頭期款是多少?
  2. What is the minimum FICO score required to qualify for a mortgage?
    獲得房屋貸款所需的最低FICO信用分數是多少?
  3. What is the maximum Back-End DTI Ratio allowed?
    最高可允許的負債比例是多少?

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Would You Qualify for a Mortgage Now?

Would You Qualify for a Mortgage Now?

The widespread myth that perfect credit and large down payments are necessary to buy a home are holding many potential home buyers on the sidelines. According to Ellie Mae’s latestOrigination Report, the average FICO score for all closed loans in May was 724, far lower than the 750 or 800 that many buyers believe to be true.

需要完美的信用分數和巨額的頭期款才能買房子這些錯誤的觀念,讓許多想要購屋的人們繼續猶豫等待。據艾麗美的最新報告表示,五月份成功的房屋貸款者平均FICO信用分數為724,遠低於很多人以為需要的750或800分。

Below is a graph of the distribution of FICO scores of approved loans in May (the latest available data):

以下為五月份貸款FICO信用分數分佈圖(最新數據): (more…)

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Homeownership Builds Wealth & Offers Stability

Homeownership Builds Wealth & Offers Stability

The most recent Housing Pulse Survey released by the National Association of Realtors revealed that the two major reasons Americans prefer owning their own home instead of renting are:

  1. They want the opportunity to build equity.
  2. They want a stable and safe environment.

由美國全國房地產經紀人協會公佈的最新調查顯示,美國人偏好擁有房屋多於租屋的主要原因為:

  1. 希望有建立產業權益的機會。
  2. 希望有一個穩定和安全的居住環境。

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Saving to Buy a Home? Do You Know the Difference Between Cost & Price?

Saving to Buy a Home? Do You Know the Difference Between Cost & Price?

As a seller, you will be most concerned with the ‘short term price’ – where home values are headed over the next six months. As a buyer, you must be concerned not with price but instead with the ‘long term cost’ of the home.

做為賣家,您最關心的是“短期的價格” – 接下來的六個月的房價走向。做為買家,您必須要關心的不是房價,而是房屋的“長期成本”。 (more…)

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Saving To Buy A Home? What Would You Sacrifice? [INFOGRAPHIC]

Saving To Buy A Home? What Would You Sacrifice? [INFOGRAPHIC]

Some Highlights:
重點整理:

  • 95% of first-time homebuyers are willing to sacrifice to make homeownership a reality.
    95%的首次購屋者願意犧牲其他方面的開銷來實現購屋計畫。
  • The top thing that buyers sacrifice are new clothes at 54%.
    購屋者第一項的犧牲就是省下54%購買新衣服的開銷。
  • Even repeat or experienced buyers say they sacrificed taking a vacation or buying a new car to buy their last home.
    有經驗的購屋者會犧牲度假開銷或是購買新車的開銷來購買房屋。
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Is Now the Right Time to Put Your House on the Market …or Not?

Is Now the Right Time to Put Your House on the Market …or Not?

Last week, the National Association of Realtors (NAR) released their Pending Home Sales Index, a forward-looking indicator of home sales based on contract signings. The report revealed that this May’s numbers weren’t quite as good as the year before:

上週全美地產經紀商協會(NAR)發布了根據房屋銷售合同簽約數據而做出的一個前瞻性銷售指標報告,該報告指出,今年五月的銷售數字並沒有像去年一樣好:

“With last month’s decline, the index reading is still the third highest in the past year, but declined year-over-year for the first time since August 2014.”

“雖然上個月的銷售下跌,該指數仍是在過去一年中第三高的,這是從2014年八月以來第一次下跌。

(more…)

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2 Tips For Getting The Most Money When Selling Your House

2 Tips For Getting The Most Money When Selling Your House

Every homeowner wants to make sure they get the best price when selling their home. But how do you guarantee that you receive maximum value for your house? Here are two keys to ensuring you get the highest price possible.

每一位屋主都希望能以最佳的價格成功出售房子,但是您如何能讓房子獲得最值得的價值呢?有兩個關鍵可確保您獲得最高的賣價。 (more…)

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4 Reasons to Buy This Summer!

4 Reasons to Buy This Summer!

Summer is here! The temperature isn’t the only thing heating up right now, so too is the housing market in many areas of the country! Here are four great reasons to consider buying a home today instead of waiting.

夏天到了!現在溫度不是唯一升溫的東西,全美許多地區的房地產市場也正在持續升溫!以下為現在正是購屋好時機的四大原因: (more…)

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Sales at Highest Pace in 9 Years! [INFOGRAPHIC]

Sales at Highest Pace in 9 Years! [INFOGRAPHIC]

Some Highlights:
重點整理

  • Sales of existing homes reached the highest annual pace in over 9 years at 5.29 million.
    房屋年度銷售量為529萬戶,超過9年以來的最高紀錄。
  • Inventory remains below the 6-month norm and prices are still on the rise.
    庫存仍然為6個月以下,價格仍然呈上升趨勢。
  • Interest rates are at a historic low of 3.48%.
    利率為歷史新低點3.48%。
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3 Reasons to Buy Luxury Property THIS Year!!

3 Reasons to Buy Luxury Property THIS Year!!

The housing market is hot, with prices rising as demand far outpaces supply in almost every region. However, when it comes to luxury real estate, things are quite different. In the upper-end market, inventory is plentiful in most locations.

房地產市場正在火熱,幾乎每個地區的需求遠大於供應,因此造成房價上漲。然而,對高檔豪宅來說,情況又不一樣了,幾乎每個地區的高檔豪宅庫存都非常充足。

For that reason, prices haven’t skyrocketed as they have in the lower and mid-tier markets. This, coupled with sensational mortgage rates, means that this may be the perfect time to purchase the luxury property you have always desired.

出於這個原因,高檔豪宅的價格並沒有像低價和中價房屋價格一樣暴漲。同時,目前歷史新低點的房屋貸款利率,意味著這可能是您購買夢想中豪宅的最佳時機。 (more…)

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