Safe to Sell Again

‘It’s safe to sell your home again’, is the title of an article published in CNN’s  Money Magazine April 19, 2012. It opens with an example of some wary Colorado sellers who were taken off guard by the level of interest in their home. They had to work at it, and stick to their guns, but they ended up getting near list-price in the end.

“Turns out that while analysts debate when the market will hit bottom, for a surprising number of cities the turnaround has already begun. In December, prices rose in 109 of the 384 metro areas tracked by the data firm CoreLogic. Scrub out foreclosures, and that figure climbs to 169,” writes Lisa Gibbs.

This doesn’t necessarily mean that the market will hit the level that it was at during the ‘boom’, and the hardest-hit areas will take longer to bounce back, but the indicators are favorable that things are moving in a positive direction.

The article goes on to give potential sellers some advice about how to best move forward. “…the rebound is likely to creep rather than surge ahead. Yet if you know how to price and market your home properly — you can finally list your home with confidence that it can sell reasonably quickly and close to your asking price.”

The first suggestion is to look at your own community and local economy. Is the unemployment rate dropping? Are there signs of an improving financial climate? Are there lots of new homes being built, potentially contributing to a high inventory? Answering these questions can help you determine if the time is right, in your area, to finally try to sell.

The article next advises that you “Understand the buyer’s psychology.” Because of everything that has happened with the real estate marker over the past few years, buyers tend to be very cautious, even tentative. They will often take longer to make a decision and will often try to get a deal. Additionally, banks are cautious about lending, and it takes longer to get a mortgage loan approved than it used to. It is good to know your audience.

That doesn’t mean that sellers have to accept low-ball offers, as the articles points out, “You can hold firm on price if you’re patient. The days of having to deal with low-ball offers are coming to an end.” Lisa Gibbs uses an example of a home listed recently in a Denver suburb for $365,000. Two other homes in the neighborhood had sold for $337,000and $341,700 within the past few months.  The new listing initially attracted offers of around $330,000. The seller was patient, and rather than taking one of these low offers, she lowered the price to $359,000. After a holiday lull, activity exploded. “I had barely put up the Christmas decorations, and I couldn’t get into my house,” she recalls. The home ended up selling for $354,000.

Other things to consider are that higher-priced homes take longer to sell, in any market and the list price has to be right from the start. “Set a realistic price from the get-go so your house doesn’t look like a throwback to lousy price-slashing times. To do that, think like an appraiser. Analyze comparable sales for price-per-square-foot and see how long competing homes have been on the market.” It may also be helpful to scout out other homes listed in your area, so you know what potential buyers are seeing and how your house compares. The article also suggests, “It f you think you erred in pricing, act quickly and decisively. Let your home’s value dictate the price”

If your home is old or in need of work, the article says, “Take care of structural and cosmetic necessities — but not much more. In lean times, forking over $50,000 on a new kitchen may have seemed like a necessary move to stand out. That’s probably the wrong thing to do now, says George, the appraiser. Instead, stick with basics like paint and flooring. And fix things that will come up in inspection.”

Another good piece of advice is to “respond quickly to feedback.” If you hear the same concerns or complaints from potential buyers over and over, it is probably worth paying attention to. Additionally, working with a licensed Realtor can make the whole process more efficient, fast and relatively low-stress.  Real Estate Agents have knowledge of the ever-changing market and a good agent will be able to give you the best advice to get your home sold for the highest possible price.

Rents Keep Rising as Home Prices Stagnate

NEW YORK (CNNMoney) — Renting used to be cheaper than buying. But in many U.S. cities that’s no longer the case, as rents continue to climb and home prices stagnate.

While asking prices for homes declined 0.7% over the past 12 months through March, rents rose 5%, according to a report released Thursday by real estate listing site Trulia.
 
The median rent for all types of rental homes hit $1,350 a month in March, up from a median of $1,285 a month 12 months ago, Trulia reported. ”Buying a home is more affordable than renting now in almost every part of the United States,” said Jed Kolko, chief economist for Trulia.
 
Several metro areas recorded double-digit percentage increases in rental rates. In Sarasota, Fla., the average rent jumped 12.9% year-over-year, the biggest increase of any of the 100 largest metro areas Trulia surveyed. Miami and San Francisco saw the next biggest increases, with rent hikes of 12.1% and 11.1%, respectively.
 
The metro areas that sustained the highest rent increases were a decidedly mixed bag, but obviously shared one factor: rising demand for a limited supply of rental units.
 
The national vacancy rate for apartments fell 0.3 percentage points during the first quarter to 4.9%, its lowest point since late 2001, according to a separate report from Reis Inc., a real estate research firm. With such limited availability, it has put pressure on rentals of all types.
 
In cities like Miami that were hit hard by the housing bust and recorded ahigh number of foreclosures, all of the displaced residents have to live somewhere.
 
“A lot of people who were owners lost their homes in the bust in these places,” said Kolko. Many of them turned to the rental market, boosting demand and driving up rents, he said.
 
Other cities have put constraints on the construction of new multi-family housing, thereby limiting supply. For example, in San Francisco, where the median rent is a whopping $2,625, there are few tracts of land available to develop, raising demand for housing and pushing rents there higher.
Several Rust-Belt cities also saw large rent increases in the past year, including Indianapolis, where rents went up 9.7%, and Columbus, Ohio, where they jumped 9.3%.
 
These cities have seen big gains in the industrial sector, which have led to a growing number of jobs and higher rents, said Kolko. As hiring levels off, he does not expect the big rent increases to continue.
 
Meanwhile, asking prices for homes nationwide crept lower over the past 12 months, according to Trulia.
That, along with record low mortgage rates, has made buying a home more affordable than it’s ever been and a bargain compared to renting. However, many Americans will not be able to seize this historic opportunity to become homeowners, said Kolko.
 
Unemployed, too broke to come up with a down payment or with credit scores too battered to qualify for a mortgage, many people simply cannot qualify to buy a home right now, according to Kolko.
 
With fewer consumers able to make the leap into homeownership, rents could continue to climb higher, he said.”

Realtor.com’s latest top 10 investment markets report includes Salt Lake City.

‘Built from Realtor.com data updated through February 2012, the report put Tucson, Ariz.; Austin, Texas; and Kansas City, Mo., as the top current real estate markets to invest in. The top 10 list was built by analyzing the housing inventories, price trends and unemployment rates from the Bureau of Labor Statistics for 146 markets Realtor.com tracks.

Thanks to the jobs boom surrounding the University of Arizona and the Davis-Monthan Air Force Base, and an 8.19 percent drop in real estate owned (REO) properties along with a 3.03 percent median house list-price increase from a year ago February, Tucson, Ariz., tops the list. A median price of $170,000 anchors the market.

Austin, Texas, the “live music capital of the world,” with a median list price of $229,500, representing a 12 percent year-over-year increase, and low relative unemployment (6.3 percent as of December 2011), is a close No. 2 on Realtor.com‘s top 10 markets to invest in. It’s usually a good idea to bet on breakfast tacos, live music and that laid-back Southwest charm that fuels the hip, beautiful capital of Texas.

Kansas City, Mo., too, features relatively low unemployment at 7.3 percent and a strong year-over-year median list price increase (4 percent) to bring the largest city in Missouri, and its renowned barbecue, into the top three housing markets to invest in, according to Realtor.com. Its cross-state cousin, St. Louis, caps the list at No. 10, with its strong job market, 7.5 percent year-over-year median list-price increase and 11.29 percent uptick in rate of speed a house sells compared to a year ago.

Rounding out the top 10, in order, are: Baltimore, Md.; Fort Worth, Texas; Salt Lake City, Utah; San Jose, Calif.; Raleigh, N.C.; Milwaukee; and St. Louis.’

http://www.inman.com/news/2012/03/23/top-10-markets-invest-in?page=0%2C0&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+inmannews+%28Inman+News+-+Headlines%29

Benefits of an Experienced Property Manager

According to an article published on the website Real Estate Economy Watch, “Only two out of ten of the nation’s 8.7 million single family rental properties are managed by professionals; individual owner/ investors take care of most of the rest. Last year only about a third of single family rentals, 35 percent, made a profit on their rental income. Some 2.3 million lost money for their owners.”

Some factors contributing to theses statistics include vacancy periods, percentage of tenants delinquent on rents, legal headaches of eviction and personal time spent on management. “Many investors have the time and expertise to manage their properties, but millions, especially newcomers, assume land lording will be easy, only to learn otherwise. One out of four single family tenants stays less than a year. One in four is delinquent on their rent at least once every two years. Twelve percent of individual owners must visit their property once or more a week.”

Real estate investors need to place a value on their own time, and weigh the benefit of paying for the time and stress to be handled by an expert. Property Management companies can offer knowledge, experience and legal support to investors, saving them time and money. 

Texas Law Governs Utah Foreclosure

“A federal judge has ruled that Texas laws, and not those of Utah, govern foreclosures by a unit of Bank of America.” Writes Tom Harvey of the Salt Lake Tribune.

This ruling came in response to a class-action lawsuit against Bank of America regarding their foreclosure policies in Utah. Under the National Bank Act, the laws of the state in which the bank is head-quartered (in this case, Texas) govern the foreclosure process, regardless of where the concerned property is located.

Harvey continues. “Deputy Utah Attorney General John Swallow said his office intends to defend the state law that says only Utah attorneys and title companies with offices in the state can act as a trustee and foreclose on property. ‘Foreclosures are personal, and foreclosure laws should be set by the state where the foreclosure is actually done,’ Swallow said. ‘We jealously guard our right to dictate how foreclosures work in Utah. I think they’re dead wrong when they try to rule otherwise.’”

“Marcus Mumford, an attorney for the homeowners who sued, said he was disappointed. State laws that allow foreclosures to be handled outside of courts are a privilege that banks are abusing, he said. ‘The federal judge in our case is now giving banks the permission to ignore Utah law,’ Mumford said in an email. ‘The court is saying that banks can abuse the ‘privilege’ of nonjudicial foreclosure in Utah by picking and choosing among the provisions of Texas law that make the non-judicial foreclosure process more efficient for the banks.’”

Bank of America is currently using a Utah attorney to perform it’s foreclosures in Utah, but they still maintain that they have a right to do it under their own name and Texas laws.

Rents will Keep Rising

An article by Eve Tahmincioglu published by msnbc.com’s “The Bottom Line” on Feb. 6th, 2012 discusses the continuing rise in rental rates in the US.

Both residential and commercial rental rates are on the rise, as supply goes down, and demand goes up in the US. AS Tahmincioglu writes, “Office construction starts were at the lowest level since 1960, the oldest data available from McGraw-Hill Construction; and that means there will be less space available for companies looking to rent or expand their operations.

It’s also bad timing for people who have been spooked by, or pushed out of, the residential housing market and have decided to rent instead of buy. Home ownership in the United States is at historic lows, but at the same time rental prices are on the rise.”

National studies show that rental rates have risen an average of 2.5% since last year, and that the vacancy rate has dropped 1.4%. Fewer available rentals means that landlords have the upper hand in negotiating lease terms. Some experts believe this trend will continue for a few years.

The article states, “Ironically, rising rents are actually making homeownership more attractive. One study by Trulia.com, a real estate research firm, found that ‘based on current market conditions, buying a home is cheaper than renting in 74 percent of major U.S. cities.’”

This is good news for landlords, who may have taken some hits in the past few years, and may also present a good environment for investors to buy income properties.

Home Buying Could Soon Beat Renting

Msnbc.com published an article January 23, 2012 by John W Schoen discussing the US trend of rising rents and falling home prices.

The article sites an analysis by Paul Diggle, a housing economist at Capital Economics, stating

“Until recently, home ownership was no bargain compared to renting, according to his analysis.  A 33 percent drop fall in home prices, a plunge in mortgage rates and 15 percent rise in rents since the housing crash has evened the scales. Today, the median monthly mortgage payment of about $700 has fallen to about the level of a median monthly rent check. If mortgage rates keep falling and rents keep rising, the equation will tip even further toward owning.”

The article goes on to say. “That analysis doesn’t include the total cost of owning versus renting. A full accounting includes closing costs, maintenance, insurance and property taxes, tax savings from mortgage deductions, gains or losses from home equity, among other factors. Renters have to think about broker fees and future rent hikes.”

“When you take those factors into account — which Diggle has done with a homegrown “calculator” — someone who plans on staying put for seven years would come out ahead by about $9,000 if they bought a median-priced home rather than being a tenant in a median-priced rental.”

Diggle does not expect that this trend will create a buyers stampede in the real estate market. With all this being said, the high credit standards & down payment requirement involved in buying a home, will likely still keep many renters at bay.

But for potential buyers that meet the requirements, it could be a strategic time to become homeowners, and certainly a time to consider buying investment properties for income.

Don’t forget about your Home Ownership Tax Deductions

As a new year begins, one dreaded fact becomes reality…it’s nearly tax season. While that may not be good news overall, it is indeed good news for home owners. Home owners get a level of tax deductions that renters do not. So now you can keep Uncle Sam out of your wallet a little easier by knowing what deductions you can take.

“The good news is you can deduct many home-related expenses…The bad news is, to take full tax advantage of your home, your taxes will likely get more complicated” says BankRate.com. No more “EZ” street…as in IRS Form 1040EZ. You’ve moved to the 1040 long form and Schedule A, where you’ll have to detail your deductible expenses.

Most homeowners will find the time it takes to itemize deductions more than makes up for the extra work in saved taxes. Here is a list provided by BankRate to help homeowners figure out possible tax breaks.

  1. Mortgage Interest - This is probably your biggest tax break as it’s most likely the biggest portion of your monthly mortgage payment. You can deduct 100% of your mortgage interest…as long as your loan is less than $1 million. Fore more information about mortgage interest on second loans, equity loans, and the like, visit this website.
  2. Points - If you recently purchased or refinanced your home, than this is for you. A “point” is word that represents pre-paid interest to the lender when getting a home. Typically you buy “points” in order to get a better interest rate. If you purchased your home, nearly the entire amount of points can be deducted. If you refinanced however, you must amortize your points over the life of the loan. For example, if you paid $2,000 in points to refinance your mortgage for 30 years, you can deduct $5.56 per monthly payment, or $66.72 per 12-month period. Fore more information about point deductions, click here.
  3. Taxes - The other major deduction in connection with your home is property taxes. Most homeowners pay their property taxes over a 12-month period into an escrow account, and the escrow account pays your taxes. The first year in your home, chances are that you can only deduct a portion of the taxes as the seller paid a pro-rated portion for when they lived in the home. You can deduct that amount you paid, and they can deduct the amount they paid. If you sold a home last year, the same is true…in reverse. For more information about understanding property tax deductions, check out this page.

 

What can’t you deduct?

While there is a lot of things you can deduct, there are still items you must bear the full brunt of the cost of on your own. Items like these include PMI or Private Mortgage Insurance, home insurance costs, HOA dues, principal payments you make, deprecation of your home, and assessments. For more information about this topic, check out BankRate.com.

 

Home Purchases on the rise

By Tiffany Hsu   
 
The most Americans in more than 18 months signed contracts in November to buy homes, raising hopes that a boost in sales will follow, NAR reported Thursday.
 
An index of pending purchase agreements rose to 100.1 last month, up 7.3 percent from October, according to the National Association of REALTORS®. The reading is the highest since the gauge spiked to 111.5 in April 2010, when buyers rushed to take advantage of an expiring federal tax credit. The November increase followed a 10.4 percent gain from September to October.
 
A reading of 100 is typically considered a healthy level, according to the association. The index is up 5.9 percent from November 2010.
 
But economists cautioned that many potential buyers are canceling deals before the sale goes through.
 
“Housing affordability conditions are at a record high and there is pent-up demand from buyers who’ve been on the sidelines, but contract failures have been running unusually high,” Lawrence Yun, the realty group’s chief economist, said in a statement.
 
The latest jump in pending home sales could be a result of buyers’ recommitting to contracts after hashing out problems that had put deals on hold. Most home-buying agreements are finalized a month or two after a contract is signed.
 
The largest growth in signed contracts last month came in the West, with a 14.9 percent boost, followed by increases of 8.1 percent in the Northeast, 4.3 percent in the South and 3.3 percent in the Midwest.
 
Last week, the Commerce Department said housing starts were up 9.3 percent in November from October, even as statistics from DataQuick showed home sales down 4.2 percent in California in the same period (though they were up 4 percent from a year earlier).
 
Home prices have continued to fall in the nation’s largest cities, dropping 1.2 percent from September to October, according to the Standard & Poor’s/Case-Shiller index—probably leading some potential buyers to try to wait for the market to bottom out.
 
©2011 the Los Angeles Times
 
Distributed by MCT Information Services.
 
Copyright© 2011 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.

Steps to Buy Again After Foreclosure

After losing a home to foreclosure, homeowners generally have to wait 3 years before qualifying for financing again. Tara-Nicholle Nelson, writing for Inman News, suggests that this waiting period can be a good thing, as those coming out of foreclosure may need the time to prepare to be homeowners again.

She suggests that, in order to become sustainable homeowners, some steps should be followed. First, deal with the emotional fallout of losing a home. She writes, “… getting through this grief is an essential first step to truly moving forward. Inherent in grief is an acknowledgement that something is dead and over. The acceptance of that finality is what allows you to move forward and learn the lessons that such experiences can teach.”

After the initial emotions are dealt with, mistakes or bad decisions can be seen with new perspective and lessons can be fully grasped and internalized for use in future situations. Nelson writes, “There’s a whole lot of what I call tuition — the price we pay to learn life lessons — involved in the loss a home to foreclosure. If rush in too quickly to the next home purchase, chances are good we’ll miss the lesson and get nothing for the tuition”

She suggests that ‘rebound home purchases’ be avoided. Our best decisions are not usually made on the ‘rebound’, and in order to make the best decisions for the long-term future, rushing into things is generally not wise.

Nelson concludes with some very practical advice to those hoping to buy again, “My advice to foreclosed homeowners is to devote some real time to working on their finances, without worrying about buying another home. Get your debt paid down or off. Change your spending habits and your overall relationship with money. Get your taxes current and paid. Save some money. Create the habit of paying every bill on time every time. Eliminate unnecessary monthly expenses.”

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