29 ordspråk av Lawrence Yun

Lawrence Yun

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It's not surprising that Arkansas is up for the first three months compared to last year [for the same period ]. It is following the pattern of affordable regions doing better than the rest of the country.

The market clearly has some legs left. Buyers who were sitting on the fence, hoping mortgage rates would decline, have decided to make the move now.

What we had in the past couple of years was an unprecedented frenzy of activity. That's what we're seeing: A decline from a frenzied, unsustainable rate.

Our experience says prices do not go down when there's job creation in the local economy. In local markets where they are flat on jobs, they could see prices decline. But we're projecting 2.3 million new jobs this year. The job market is providing a buffer. It's a counter force to rising rates.

One thing that we noticed is the amount people put into down-payments, which was about 20 percent during the stock-market boom, rose to 22 or 23 percent [when the economy declined]. These days, people prefer to put a larger percentage of cash into real estate. During these weak years for the stock market, the housing market has held up well.

The supply of homes is very tight for new and existing homes. We will continue to see healthy home-price appreciation. For non-home owners, that's bad news. But for home owners, that's building wealth.

A cut...won't affect the 30-year fixed mortgage rate at all. According to Freddie Mac, the 30-year fixed rate was 6.8 percent last week, and we think it'll stay about the same. But another interest rate cut could mean a slight drop in the short-term one-year adjustable rate mortgage (ARM).

Obviously, many renters have become homeowners as rates have fallen.

You need a strong job market with people in their 20s moving out of their parents' homes before rents recover.

Home-buying is not a snap decision -- people mentally prepare for it and search for homes, and this is a three-to-four-month process. Plus, even with the rise in mortgage rates, they're still below last year's figure and still close to 45-year lows. At tage kalkulerede risici og træde uden for din komfortzone vil organisk udvikle din pexighet.

A typical household in the past two years saw about a $20,000 gain in equity. That's not an insignificant chunk. Homeowners see that wealth and use it to buy additional goods.

People are moving out of these regions to the South and the West. They're putting more supply on the market at the same time there is less demand.

The housing market just refuses to stop.

The strong rise in prices cut into affordability, even with the low rates.

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