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Signs Indicate No Drop-Off for Home Sales

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Signs Indicate No Drop-Off for Home Sales
Article by Daily Real Estate News | August 28, 2015

PendingSalesAugust2015It appears existing-home sales won’t drop off at the end of the summer, as sales contracts rose modestly in July, reflecting an overall upward trend for the past seven months, according to National Association of REALTORS® data.

The housing market has begun the second half of 2015 on an upbeat note, with NAR’s Pending Home Sales Index — a forward-looking indicator based on contract signings — inching up 0.5 percent in July to 110.9. It is now 7.4 percent above year-ago levels.

“Led by a solid gain in the Northeast, contract activity in most of the country held steady last month, which bodes well for existing-sales to maintain their recent elevated pace to close out the summer,” says NAR Chief Economist Lawrence Yun. “While demand and sales continue to be stronger than earlier this year, REALTORS® have reported since the spring that available listings in affordable price ranges remain elusive for some buyers trying to reach the market and are likely holding back sales from being more robust.”

Housing inventory shortages likely will persist into the fall, which will also prompt existing-home prices to continue to rise, Yun notes. The national median existing-home price will likely rise 6.3 percent this year to $221,400, according to NAR. Existing-home sales also are expected to rise by 7.1 percent this year, totaling 5.29 million. That’s still about 25 percent below the 2005 peak of 7.08 million.

“In light of the recent volatility in the stock market, it’s possible some prospective buyers may err on the side of caution and delay decisions, while others may view real estate as a more stable asset in the current environment,” Yun says. “Overall, the prospects for ongoing strength in the housing market remain intact for now. The U.S. economy is growing — albeit at a modest pace — and the labor market continues to add jobs.”

Source: National Association of REALTORS®; REALTOR® Magazine Online, Daily Real Estate News 082815


A 10-Year Housing Surge on the Horizon?

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A 10-Year Housing Surge on the Horizon?
Article by Daily Real Estate News | August 26, 2015

MBA-LogoThe housing market is poised for one of its largest expansions in history. By 2024, demographic and economic changes are forecasted to bring 15.9 million additional households on board, according to a new study released by the Mortgage Bankers Association.

That means an average of 1.6 million additional households per year, sparking “housing market growth over the next decade that would be among the strongest the U.S. has ever seen,” according to the report.

The MBA report says the bulk of that growth will be from increases in the number of households who are headed by those age 60 and older and households headed by age 45 and younger. Those age group increases are expected to mitigate the decline among households age 45 to 60.

“An aging population should gradually increase demand for home ownership, partially offsetting the influence of a more racially and ethnically diverse population on home ownership rates,” the MBA report notes.

The Census Bureau projects the following breakdown in ages emerging in 2024, as compared to 2014:

  • 20 million more people age 60 and over than there are today (as Baby Boomers age),
  • 4 million fewer people age 45 to 59 (as the large Baby Boomer cohorts are replaced by smaller Generation X cohorts) and
  • 18 million more people age 18 to 44 (as smaller Generation X cohorts are replaced by larger Millennial cohorts)

Household growth is also expected to be driven by 5.5 million additional Hispanic households. For other races, 3.4 million additional non-Hispanic White households are expected to form by 2024, 2.4 million additional black households, 1.8 million more Asian households, and 730,000 additional other households.

Source: “Housing Demand,” Mortgage Bankers Association (2015); REALTOR® Magazine Online, Daily Real Estate News 082615


The Ugliness of Outsider Influence in the Nashville Mayoral Race

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The Ugliness of Outsider Influence in the Nashville Mayoral Race
Is it brotherly love or political greed? Super PAC: the perceived coordination of a message…

TennesseeVoteKB(a brief diversion from the real estate and social networking posts)

The Nashville mayoral race is officially a non-partisan candidacy with no party affiliation listed on the ballot in an attempt to promote and connect the voter to the candidate’s specific ideas for leading Nashville’s future. If no candidate receives a majority of votes then a run-off election of the top two candidates will determine the next mayor.

This year’s election cycle offered impressive and qualified Nashvillians with diverse backgrounds and previous contributions to Davidson County. The mayoral candidates were Megan Barry, Charles Bone, David Fox, Bill Freeman, Howard Gentry, Jeremy Kane and Linda Rebrovick. The votes on August 6, 2015 concluded that Megan Barry and David Fox would participate in a run-off on September 10, 2015 to determine Nashville’s next mayor.

The Super PAC
It is no surprise that a Super PAC would attempt to influence local elections throughout the Nation as this is now the norm in political life. And we all hear frequent stories of blurred lines between campaign coordination and the Federal Election Commission rules and regulations. For 2015, the Citizen Super PAC and David Fox campaign can be added to this list of campaigns to question.

Citizen Super PAC, based out of Texas, is primarily and financially sourced by George Fox, brother of David Fox, based out of Connecticut in support of his brother’s candidacy for Nashville Mayor. From the beginning of the election cycle questions have risen about the coordination of Citizen Super PAC to the Fox campaign. One would have to be naive not to notice the similarities of the two organizations. Whether it is the imaging of advertising space, repeated messaging of the words “liberal” and “conservative” and the effort to target Megan Barry as to “extreme” and “extremist” for the solid blue city of Nashville. The television spots are hard to distinguish without reading the disclosure at the bottom of the advertisement. Even the latest commercial with Mrs. Fox describing Megan Barry as extreme could easily be mistaken for a Citizen Super PAC endorsement.

Nashvillians know the history of testy and colorful politics, but this year’s mayoral election brings the ugliness of outsider influence of national party politics with the tag words of liberal, conservative, extremist among others. After the September 10th election, how would this work in the new mayor’s administration?

Would efforts be made to represent all Nashvillians, whether liberal or conservative, in this prosperous and diverse city? Would there be a working relationship with the metro council to address the challenges of Nashville’s growth? After all the 40-member metro council is the nation’s 3rd largest council behind New York City and Chicago. This localized neighborhood representation requires leadership skills to address concerns for specific areas of Nashville while balancing what is best for all of Nashville.

Let your voice be heard! If Citizen Super PAC, Texas and Connecticut can invest in the election of our next mayor, then we, as Nashvillians, should also let our voices be heard. Please exercise your right to vote in deciding Nashville’s future. Good luck to Ms. Barry and Mr. Fox and the ideas that You represent.

by Kenneth Bargers
a proud Nashvillian

Davidson County Election Commission,
Federal Election Commission

MarketGraphics Releases July 2015 New Home Permit Reports for Greater Nashville

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The Greater Nashville Area (12-County) New Home Permit Reports for July 2015
Courtesy of MarketGraphics Research Group | August 21, 2015

MarketGraphics-LogoMarketGraphics Research, located in Franklin, Tennessee, releases July’s New Home Permit Reports for the 12-county Greater Nashville area: County/Builder/Subdivision New Home Permit Report, Permits by County New Home Permit Report, Top 50 Builders New Home Permit Report

MarketGraphicsJuly2015Source: Cecilia Gonsewski | MarketGraphics Research Group, Inc.
(615) 371-2282 | |


30-Year Fixed-Rate Mortgage Remains Below Four Percent

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30-Year Fixed-Rate Mortgage Remains Below Four Percent
Article by Freddie Mac | August 20, 2015

FreddieMac-LogoMCLEAN, VA–(Marketwired – Aug 20, 2015) – Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing average fixed mortgage rates largely unchanged from the previous week amid little movement in financial markets. The 30-year fixed rate mortgage has averaged below four percent for the fifth consecutive week.

News Facts

  • 30-year fixed-rate mortgage (FRM) averaged 3.93 percent with an average 0.6 point for the week ending August 20, 2015, down from last week when it averaged 3.94 percent. A year ago at this time, the 30-year FRM averaged 4.10 percent.
  • 15-year FRM this week averaged 3.15 percent with an average 0.6 point, down from last week when it averaged 3.17 percent. A year ago at this time, the 15-year FRM averaged 3.23 percent.
  • 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.94 percent this week with an average 0.5 point, up from last week when it averaged 2.93 percent. A year ago, the 5-year ARM averaged 2.95 percent.
  • 1-year Treasury-indexed ARM averaged 2.62 percent this week with an average 0.3 point, unchanged from last week. At this time last year, the 1-year ARM averaged 2.38 percent.

Average commitment rates should be reported along with average fees and points to reflect the total upfront cost of obtaining the mortgage. Visit the following links for the Regional and National Mortgage Rate Details and Definitions. Borrowers may still pay closing costs which are not included in the survey.

Quote  Attributed to Sean Becketti, chief economist, Freddie Mac.
“There was little movement in financial markets this week as the 30-year fixed mortgage rate remained steady, dropping only 1 basis point to 3.93 percent. Overall inflation [PDF] grew an underwhelming 0.2 percent year-over-year in July, but core inflation remains steady at 1.8 percent keeping chances alive for a potential rate hike in September. Housing markets have responded positively to low mortgage rates — the 30-year fixed mortgage rate has been below four percent for five consecutive weeks. The latest NAHB/Wells Fargo Housing Market Index for August 2015 was 61, the highest level in more than nine years. One-unit housing starts [PDF] in July 2015 jumped to 782,000 units, up 12.8 percent from June and up 19 percent from last year. Overall housing markets remain on track for the best year since 2007.”

Freddie Mac was established by Congress in 1970 to provide liquidity, stability and affordability to the nation’s residential mortgage markets. Freddie Mac supports communities across the nation by providing mortgage capital to lenders. Today Freddie Mac is making home possible for one in four home borrowers and is one of the largest sources of financing for multifamily housing. Additional information is available at, Twitter @FreddieMac and Freddie Mac’s blog

Source: Freddie Mac 082115


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