The industry may not see a buyer’s market until at least 2020, according to a majority of real estate economists surveyed by Zillow and Pulsenomics LLC. In the real estate technology company’s latest “2018 Q3…

The use of disparate-impact legal theory struck fear into the mortgage industry through the Obama years, as federal agencies stepped up their enforcement of fair-lending laws and ultimately won multimillion-dollar settlements against some of the…

TAKE UNPREDICTABILITY OUT OF THE EQUATION. Lock & Shop secures your borrowers’ interest rate while they shop for a new home — even before there’s a formal offer on a property. While they shop, we will complete…

Physical Deterioration: From the moment a building or improvement is completed, the value and “usability” of the improvements begin to decline.  Physical deterioration, functional obsolescence, and even economic obsolescence reduce improvement value over time. Depreciation…

  Stable mortgage rates and the summer buying season ensured the increase in mortgage applications during the week. According to the Weekly Mortgage Applications Survey by the MBA, apps rose 4.2 percent from the prior week.…

It was a quiet week with the mixed inflation data, which led to no major surprises. Mortgage rates ended the week slightly lower. The most significant economic data released this week was the inflation data.…

William “Bill” Haverly The Loan Arranger NMLS#322861 702.816.7070  Email me    Visit My Website         Commentary Big Picture ~ August 3, 2018 The news this week was more big-picture economics than housing related, with…

The Federal Reserve might be raising the federal funds rate now, but that will change and even reverse course in 2020, or so says, one expert. Federal Open Market Committee announced the second rate hike…

The following is a listing of US casualties in the various conflicts that have been a part of the country’s history. The following numbers reflect only reported war deaths and exclude those wounded and/or missing.…

All kids have the ability to develop mental muscle. We just have to teach them how to exercise their minds. In my 15 years as a psychotherapist, I’ve seen how many of today’s common parenting…

3 Money Habits That Separate the Rich From the Poor! It all starts with the same amount of money—just a different philosophy of  Money Habits. . So if you will indulge me, I would like to…

Homebuyers rush to duck interest rate guillotine  The single-family housing market is seeing a temporary jump in purchase applications in the face of three expected hikes in the interest rate. This is according to the Fed according…