December 30, 2016 by Zelman & Associates
Earlier this year, we surveyed a nationally-representative sample of consumers (~3,000) about their demographic, housing and financial circumstances. One area of focus was the perception of mortgage credit availability among renters or those ...
Filed Under
affordabilityentry-levelmillennialsmortgage
December 16, 2016 by Zelman & Associates
We previously offered our initial perspective on what the Trump Presidency would mean for the housing market, including our view that GSE reform, while more likely under a Republication administration, would ...
December 16, 2016 by Zelman & Associates
At this point last year, 30-year fixed mortgage rates were expected to average approximately 4.10% in 2016 and we predicted refinance volumes to decline 30% for the year. Instead, volatile financial markets to begin the year, slowing macroeconomic ...
December 02, 2016 by Zelman & Associates
Of the various interest rate measures cited in the media, the United States 10-year Treasury yield is the most important to monitor for the housing market as it serves as the benchmark for how 30-year fixed rate mortgages are priced. Unfortunately, ...
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macro housingmortgage rates
November 18, 2016 by Zelman & Associates
According to the Mortgage Bankers Association, from 1980 through 2005, the combination of single-family mortgage delinquencies and foreclosures in process ranged from 5.0-6.6% with the most problematic periods being 1982-86 (6.4%) and 2000-02 ...
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homebuildinghousing startsmortgage
September 23, 2016 by Zelman & Associates
For industry executives primarily dependent on the housing market for revenue, it is widely understood that consumers can secure a mortgage with less than 20% down – the benchmark that was more common in prior generations but has now shifted ...
September 09, 2016 by Zelman & Associates
The Federal Open Market Committee (FOMC) is scheduled to announce its next policy rate decision on September 21st, putting the trajectory of interest rates back into the media headlines. Last December, the FOMC raised the target for the federal ...
Filed Under
mortgage rates
August 12, 2016 by Zelman & Associates
In the mainstream media, it is common to find opinions that mortgage credit availability is “too tight” or “a headwind for first-time homebuyers” or “only available to pristine borrowers.” While we do not believe that to be true as terms on ...
Filed Under
entry-levelmortgage
July 29, 2016 by Zelman & Associates
In recent years, national banks have faced numerous legal headwinds related to legacy mortgage exposure, incurring billions of dollars of fines in aggregate, which has led many to de-risk their origination business. This has been particularly ...
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entry-levelmortgage
July 15, 2016 by Zelman & Associates
In its most recent weekly survey of mortgage rates, Freddie Mac reported that the national average for a 30-year fixed-rate product was approximately 3.40%, only 10 basis points higher than the historical low posted in late 2012 dating back ...
affordabilityapartmentsbaby boomersbuild-for-rentconstruction lendingdemographicsentry-levelexisting home saleshome improvementhome pricinghomebuildinghomeownershiphousehold formationhousinghousing startsinstitutional investorsinterest ratesmacro housingmillennialsmortgagemortgage ratesnew home salesreal estate servicesrefinancesg&asingle-family rentalstocksstudent debtsupplysurvey
