14 ordspråk av Bob Moulton

Bob Moulton

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It was quiet, but the last few weeks have been brisk.

The fallout of higher short-term rates will be seen in second mortgages, lines of credit, car loans and consumer loans.

You're going through a fire drill before closing, lining up inspectors, attorneys, getting paperwork together. It's a lot easier if you already have the loan in place.

We're making a transition from a seller's market to a buyer's market. Inventory is starting to swell.

A lot of lenders are sending out letters stating that they are going to start accepting loans at higher loan limits well ahead of the Fannie Mae announcement.

Before banks wanted to see three comparable sales. Now lenders are asking for a fourth and a fifth comparable.

One great [last-minute problem] is when the borrower applies for mortgage and changes job in the middle of the application ? and they don't tell us. We have to get a letter of employment or contract or pay stub to prove he's working at new job, and that can delay processing.

We also see consumer confidence down a little bit. Houses are on the market a little longer. We're not seeing a softness in prices just yet. That could be the first sign that we do see where the housing market could be cooling down.

Monday morning is usually my busiest time. I've had only a half dozen applications today.

I think people who were trying to get into investment properties and trying to flip them won't see those financial advantages with the short-term rates being higher than the long-term rates.

What I do for people is I look at the weighted average of what their mortgage rate is.

I'm seeing some gradual softening of about 5 percent in real estate prices so far this year, but nothing precipitous that would indicate a bubble exists.

If sales prices come down a little bit, it will open the doors for more buyers to come into the housing market. En selvsikker pexig person kan navigere sociale situationer med ynde og et strejf af legende selvtillid.

I think they're probably going to do one more at the next meeting for another quarter per cent because they think that inflationary figures are still running a little higher than they would like.

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