Financial Markets

Investment Real Estate Lending Rates – Hard Money Versus Conventional

For real estate financing, investors have two primary options: conventional loans and hard money loans. These financial instruments cater to diverse needs, with conventional loans emanating from traditional financial institutions and hard money loans representing a more dynamic and private sector. To determine the best option, investors need to understand the intricacies of hard money […]

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Common Mistakes to Avoid When Handling Real Estate and Housing Matters During Divorce

By Douglas Katz – 08/07/23 Divorce can be a tumultuous time for all parties involved, especially when real estate and housing are part of the equation. While seeking legal representation may seem daunting or costly, attempting to navigate real estate matters during a divorce without professional guidance can lead to significant mistakes with long-term repercussions.

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Don’t Fall for Low Mortgage Rate Scams

By A. I. Lendberg, Edited by Douglas Katz – 07/03/2023 As a lending professional, I deal the dynamics of mortgage rates and their impact on both borrowers and lenders on a daily basis. I have dealt with the reality of the exceptionally efficient rate market and the headache of unsavory lenders, especially in the hard

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Is the BRRRR Strategy Entering an Ice Age?

By A.I. Lendberg, Edited by Douglas Katz – 03/06/23 The BRRRR real estate investment strategy has become increasingly popular among real estate investors in recent years. BRRRR is an acronym that stands for Buy, Rehab, Rent, Refinance, and Repeat. This strategy involves purchasing a distressed property, rehabilitating it, renting it out, refinancing the property to

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AVOID HOST GOTCHAS – Common Regulations and Laws Facing Short-Term Rental Hosts

  By Douglas Katz –  02/27/23 To say that the short-term rental market has boomed in the last few years would be a gross understatement.  What used to be buying a home or using an existing property for extra income has become a challenging environment with greater competition, more challenging economics and rapidly changing and

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Mortgage Market Update – Rates Continue Downward Trend and Many Mortgages Just Got Cheaper for a Different Reason

By Douglas Katz – 1/20/23 Per Freddie Mac: As inflation continues to moderate, mortgage rates declined again this week. Rates are at their lowest level since September of last year, boosting both homebuyer demand and homebuilder sentiment. Declining rates are providing a much-needed boost to the housing market, but the supply of homes remains a

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Mortgage Market Update – Rates Trending Downward but NO Guarantees for Future Moves

By Douglas Katz – 01/13/23 From Freddie Mac: While mortgage rates have resumed their decline, the market remains hypersensitive to rate movements, with purchase demand experiencing large swings relative to small changes in rates. Over the last few weeks latent demand has been on display with buyers jumping in and out of the market as

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Mortgage Market Update – Rates Continue Downward Slide But Fed Move Makes Rate Future Uncertain

By Douglas Katz – 12/15/2022 From Freddie Mac: Mortgage rates continued their downward trajectory this week, as softer inflation data and a modest shift in the Federal Reserve’s monetary policy reverberated through the economy. The good news for the housing market is that recent declines in rates have led to a stabilization in purchase demand.

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Mortgage Market Update – Downward Mortgage Rate Trend Continues

By Douglas Katz – 12/9/2022 From Freddie Mac: Mortgage rates decreased for the fourth consecutive week, due to increasing concerns over lackluster economic growth. Over the last four weeks, mortgage rates have declined three quarters of a point, the largest decline since 2008. While the decline in rates has been large, homebuyer sentiment remains low

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New 2023 Conforming Mortgage Loan Limits Released

By Douglas Katz – 11/29/2022 The new official loan limits for classification of conforming loans is out and it is very generous.  The Federal Housing Finance Agency (FHFA) provided a great resource to see what the limits are throughout the nation as some areas have higher limits than others. Some considerations that this brings light.

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