Homeownership Rate Hits 10 Year Low. Watch Out for Rent Inflation

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Jan 31, 2011 3:10PM Homeownership Rate Hits 10 Year Low. Watch Out for Rent Inflation The Census Bureau has released its survey of Residential Vacancies and Homeownership for the fourth quarter of 2010. Homeowner Vacancy and Rental Vacancy statistics are from the Housing Vacancy Survey, which is a supplement to the Current Population Survey. The homeowner vacancy rate is the proportion of the homeowner inventory which is vacant for sale. The rental vacancy rate is the proportion of the rental inventory which is vacant for rent. A housing unit is vacant if no one is living in it at... Jan 28, 2011 10:42AM Reuters Poll: Housing Bottom Seen in Mid-2011 This week we discussed the outlook for home prices and shared perspective on whether or not now is a good time to buy. Reuters was kind enough to poll economists on their updated home price outlook. Here are the results.... U.S. housing bottom seen in mid-2011: poll By Corbett B. Daly WASHINGTON, Jan 28 (Reuters) - U.S. house prices are likely to continue to slide before bottoming out sometime in the middle of this year but will rise just over two percent in 2011 as a whol e, according to economists... HUD Secretary Shares Perspective on State of the Union Mortgage Rates: Range Holds. Flight to Safety Needed The Implications of SAFE Act Fingerprinting Originator Compensation FAQ Part V; FHA Anit-Flipping Waiver Extended; HUD Issues Guidance on New FHA Remittance Process GSE REFORM: Kicking the Can Down the Road Home Prices Stuck in Negative Feedback Loop. Would You Buy? View: Front Page | Headline Viewer Micro News 5:50 PM: New Mortgage Rate Watch Post 5:13 PM: ISM Report Offers First Look at January Econ Data 5:07 PM: MBS Closing Comment: Prices Fall. Yield Spreads Tighten 3:34 PM: Federal Judge Rules Health Law Violates Constitution 3:07 PM: January Housing Scorecard Released 3:02 PM: FHFA Announces Consolidation of Office Locations 3:01 PM: Senior Loan Officer Survey: Mortgage Credit Still Tight 1:41 PM: Lockhart: Economy Still Needs Support of Stimulative Fed »View All Micro News Around the Web Will Commodity Prices Pass Through to the Core? Landlords Seize Upper Hand in Apartment Market The home's changing role in family finances Agencies announce start of Nationwide Mortgage Licensing System and Registry Curbing Closing Costs - Mortgages Banking Regulators Set New CRA Asset-Size Thresholds »View More Around the Web Video News Residential Renters on the Rise Consumer Spending in U.S. Climbs More Than Forecast One-on-One With BofA's Moynihan »View More Video News Today's Comments "As a former stock broker I have had my fingerprints with the FBI for over 20 years. I never thought of it as an intursion on my privacy. If LO's want..." "I am pretty sure the last thing politicians want is to be associated with the huge target that is Fannie and Freddie. If it were easy to get the government..." "Hey Rob--how about this: make sure that every one of these loans has a built in "right to modify" with 2 options: A. If the house depreciates..." »View More Comments Today's Q&A "HOW CAN I CHECK IF A REAL ESTATE AGENT IS LICENSED IN THE STATE..." "Are home mortgages easy to obtain today in comparison to a year..." "How does the seller agent guarantee to purchase home work?" »View More Q&A Today's Forum Discussions "Loan Scenario View All Post A Scenario Loan State: Florida Loan County: --- Loan Type: Refinance (Rate and Term) Loan Amount: --- Property Value: --- LTV..." "Loan Scenario View All Post A Scenario Loan State: Pennsylvania Loan County: --- Loan Type: Construction Loan Amount: $150,000 Property Value: $200,000..." "Loan Scenario View All Post A Scenario Loan State: Pennsylvania Loan County: --- Loan Type: Purchase Loan Amount: $193,000 Property Value: $200,000 LTV..." »View  Forum Discussions jeffer90576 -view profile -edit profile Subscription Level: Non-Premium Manage Account Market Data Mortgage Rates 30YR 4.84 0.05 15YR 4.13 0.03 FHA30YR 4.72 0.04 Jumbo30YR 5.69 0.04 5/1ARM 3.52 0.02 MBS Quotes FNMA 3.5 95-10 -0-07 FNMA 4.0 99-04 -0-05 FNMA 4.5 102-08 -0-04 FNMA 5.0 104-28 -0-04 Treasuries 2 YR 0.5698 0.0238 3 YR 0.9596 0.0156 5 YR 1.9456 0.0216 7 YR 2.7076 0.0406 10 YR 3.3743 0.0453 30 YR 4.5752 0.0392 Recent Housing Data Visit our Market Data Center for all of the latest housing numbers, graphs, etc. New Home Prices 8.04% Homeownership 0.00% Home Vacancy 0.00% Forward Know someone who might be interested in this email? Forward it. Newsletter Archive Front Page | Headline Viewer | Video | Forums | Q&A | Market Data | Rates | Marketplace : Consumer - Industry © 2011 Brown House Media, Inc. All rights reserved. Brown House Media Inc. - 19706 One Norman Blvd - Cornelius, NC 28031

GSE Reform: A Responsible Market for Housing Finance

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Jan 27, 2011 2:43PM GSE Reform: "A Responsible Market for Housing Finance" Another party, this time from the progressive side of the debate, has chimed in with its prescription for reforming the nation's housing finance system. This proposal, " A Responsible Market for Housing Finance " , is a product of the Mortgage Finance Working Group sponsored by the Center for American Progress, with the generous support of the Ford Foundation, and the Open Society Institute. The report details the heavy reliance of the housing finance system on the federal government since the collapse... Jan 27, 2011 11:13AM Pending Home Sales Up in Five of Last Six Months. Would You Buy? The National Association of Realtors released the Pending Home Sales Index for December today. The Pending Home Sales index measures housing contract activity. It is based on signed real estate contracts for existing single-family homes, condos and co-ops. A signed contract is not counted as a sale until the transaction closes. Instead, when a seller accepts a sales contract on a property, it is recorded into a Multiple Listing Service (MLS) as a "pending home sale." Once that transaction... Suffering from Range Exhaustion. More Rock Moving.... Mortgage Rates: Risks Still Manageable on Day to Day Basis Originator Compensation FAQs Part III; Reg Z and TILA Compliance; GSEs Lobbying for Dividend Cut; Cross Channel Envy MBA Outlines Regulatory and Legislative Priorities for 2011 New Home Sales Greatly Distorted in December. Standard Error Huge Budget Battle Looms. Bond Vigilantes Lurk. View: Front Page | Headline Viewer Micro News 6:01 PM: GDP Data in the Day Ahead.... 5:26 PM: AQ MBS CLOSING REMARKS: Range Exhaustion 4:26 PM: Moody's Reiterates U.S. AAA Credit Rating 4:17 PM: Stable And Holding Gains After Hours 1:56 PM: Fannie Mae Selling Guide Updated 1:03 PM: Data Flash: 7yr Auction Results 12:09 PM: DataQuick: California Foreclosure Activity Declines Again 11:21 AM: The Great Margin Squeeze of 2011: Lumber Costs »View All Micro News Around the Web Financial Crisis Inquiry Commission report High unemployment drove foreclosures in 2010 Should the government stop trying to prevent foreclosures? The State of the American Workforce How to Regulate Mortgage Lending, Part 2 Fannie, Freddie seek to cut dividend on government stake: report »View More Around the Web Video News Do Housing Numbers Matter Before Spring? Pending Home Sales Up 2% Snowstorm Slams Northeast »View More Video News Today's Comments "So this is really all we are about? : 'they realized that they can make as much or more money selling something else'. Maybe Dodd and Frank hear..." "I can answer that question, Frank: ZERO. The ones who are smarter than I have already resigned since they realized that they can make as much or more money..." "Here's another question in the spirit of the NARs new "Responsible, Sustainable Homeownership" campaign. A borrower comes into your office..." »View More Comments Today's Q&A "HOW CAN I CHECK IF A REAL ESTATE AGENT IS LICENSED IN THE STATE..." "Are home mortgages easy to obtain today in comparison to a year..." "How does the seller agent guarantee to purchase home work?" »View More Q&A Today's Forum Discussions "Getting a mortgage after filing bankruptcy may seem impossible. But in reality, it is easier than you can imagine. These mortgages are usually given by..." "Hello my name is Jason Wayne and I have recently taken on the responsibility of Account Executive for Towne Mortgage Company. We specialize in correspondent..." "Failing to make mortgage payments can have undesirable consequences. You do not want to lose your property at any cost. But you can avoid this situation..." »View  Forum Discussions jeffer90576 -view profile -edit profile Subscription Level: Non-Premium Manage Account Market Data Mortgage Rates 30YR 4.85 -0.02 15YR 4.14 -0.03 FHA30YR 4.72 -0.03 Jumbo30YR 5.74 -0.04 5/1ARM 3.51 -0.03 MBS Quotes FNMA 3.5 95-03 0-12 FNMA 4.0 98-29 0-08 FNMA 4.5 102-03 0-06 FNMA 5.0 104-27 0-04 Treasuries 2 YR 0.5857 -0.0433 3 YR 0.9812 -0.0458 5 YR 1.9885 -0.0365 7 YR 2.7100 -0.0320 10 YR 3.3893 -0.0317 30 YR 4.5681 -0.0229 Recent Housing Data Visit our Market Data Center for all of the latest housing numbers, graphs, etc. New Home Prices 8.04% Homeownership 0.00% Home Vacancy 0.00% Forward Know someone who might be interested in this email? Forward it. Newsletter Archive Front Page | Headline Viewer | Video | Forums | Q&A | Market Data | Rates | Marketplace : Consumer - Industry © 2011 Brown House Media, Inc. All rights reserved. Brown House Media Inc. - 19706 One Norman Blvd - Cornelius, NC 28031

New Home Sales Greatly Distorted in December

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Jan 26, 2011 12:05PM New Home Sales Greatly Distorted in December. Standard Error Huge Month over month gains look large relative to recent months. This is a positive from a "here and now" perspective. But when we zoom out and see the big picture, New Home Sales continue to bounce around record lows. Jan 26, 2011 3:31PM MBA Outlines Regulatory and Legislative Priorities for 2011 The Mortgage Bankers Association has a full plate of legislative priorities for 2011. Chief among these is influencing the hundreds of regulations arising out of the new Dodd-Frank Act and the upcoming restructuring of the government's role in housing finance. Budget Battle Looms. Bond Vigilantes Lurk. Moody's Looks at Implications of GSE Reform. Sees Slow Process Part II: Originator Compensation FAQs; NAMB Requests Delayed Implementation, Slowing Loan Production, Fraud in Illinois Home Prices Stuck in Negative Feedback Loop. Would You Buy? Mortgage Rates: High Risk Events Produce Little Drama GSE REFORM: Kicking the Can Down the Road View: Front Page | Headline Viewer Micro News 4:59 PM: Coming Up Tomorrow 4:20 PM: New MBS Commentary Post 4:20 PM: New Mortgage Rate Watch Post 3:54 PM: Volume Dying Down After Hours, Big Support At Yesterday's Lows 3:33 PM: Flipping, flopping and booming mortgage fraud 3:18 PM: MBA: 2011 Legislative and Regulator Priorities 3:15 PM: PODCAST: MBA State of the Industry 2:50 PM: New MBS Commentary Post »View All Micro News Around the Web New Home Inventory by Stage of Construction NHC Responds to 2011 State of the Union Harvard Professor Warns of Cutting Regulators' Budgets Q.&A. on the State of the Union and the Economy Bucks: Questions to Ask About a Vacation Rental Economix: Housing-Sector Profitability Returns to Previous Levels »View More Around the Web Video News Heavy-Hitters React to Fed Decision Obama's Clean Energy Goal: Realistic? Senator Conrad Calls CBO Budget Report a `Wakeup Call' »View More Video News Today's Comments "Tucker--tell you what--we'll ease up on the layers and lending guidelines, if Realtors decide they want to share in skin in the game if/when these..." "BPO's are crap and no one should rely on them for values for foreclosed or GSE's owned homes - but they are. Realtors are setting prices and using..." "I disagree with some of what you're saying ED. Based on my experience of being a realtor and now an LO. BPO's are just opinions, no different than..." »View More Comments Today's Q&A "HOW CAN I CHECK IF A REAL ESTATE AGENT IS LICENSED IN THE STATE..." "Are home mortgages easy to obtain today in comparison to a year..." "How does the seller agent guarantee to purchase home work?" »View More Q&A Today's Forum Discussions "Hello my name is Jason Wayne and I have recently taken on the responsibility of Account Executive for Towne Mortgage Company. We specialize in correspondent..." "Hi everyone, How do you get a mortgage with a bankruptcy?Need help ..?" "Loan Scenario View All Post A Scenario Loan State: Utah Loan County: --- Loan Type: Cash Out Refinance Loan Amount: $417,000 Property Value: $525,000 LTV..." »View  Forum Discussions jeffer90576 -view profile -edit profile Subscription Level: Non-Premium Manage Account Market Data Mortgage Rates 30YR 4.87 0.03 15YR 4.17 0.02 FHA30YR 4.75 0.05 Jumbo30YR 5.78 0.03 5/1ARM 3.54 0.03 MBS Quotes FNMA 3.5 94-23 -0-17 FNMA 4.0 98-21 -0-15 FNMA 4.5 101-29 -0-14 FNMA 5.0 104-23 -0-10 Treasuries 2 YR 0.6289 0.0489 3 YR 1.0268 0.0238 5 YR 1.9877 0.0487 7 YR 2.7423 0.0723 10 YR 3.4205 0.0905 30 YR 4.5912 0.1012 Recent Housing Data Visit our Market Data Center for all of the latest housing numbers, graphs, etc. New Home Sales 5.45% Pending Home 3.48% New Home Prices 8.04% Forward Know someone who might be interested in this email? Forward it. Newsletter Archive Front Page | Headline Viewer | Video | Forums | Q&A | Market Data | Rates | Marketplace : Consumer - Industry © 2011 Brown House Media, Inc. All rights reserved. Brown House Media Inc. - 19706 One Norman Blvd - Cornelius, NC 28031