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Home Loan Blog Articles from Golden Pacific Home Loans of San Ramon
Stay informed and learn more about home loan matters and housing market from our home loan blog articles below. Scroll down to the Categories section or to the bottom of this page to see more home loan blog articles.
Contact our Golden Pacific Home Loan agents in San Ramon for questions about best home loan mortgage and refinance opportunities.
How Brexit Affects Freddie Mac
Brexit Freddie Mac sees it as both a plus and a minus for the U.S., and not necessarily a short-lived one. Its economists predict it will raise global risks while keeping domestic mortgage rates near historic lows.
Home Builder Confidence is Steady
For the past six months, builder confidence has remained in a relatively narrow positive range that is consistent with the ongoing gradual housing recovery that is underway.
Recovering From a Foreclosure
How quickly you can recover from a foreclosure or short sale is going to depend on three factors: How bad your financial situation was; How much better your situation is now; and How well you’ve recently been managing your money…
Southern California Housing Market
Housing market in Southern California is hot. The median home price in Orange County in May was $651,500, surpassing its bubble-era peak reached in 2007. What fueled the gain?
Home Mortgage Rate Prediction – Where is it going?
Mortgage rates have dropped to near record lows in the last couple of months. Thousands of Americans are lining up at the mortgage office to refinance their house or finance a new one.
Home Purchase Sentiment Index
Home Purchase Sentiment Index (HPSI), an outgrowth of its National Housing Survey, pulled back a bit in June, largely due to weakened optimism about household income and the direction of home prices which offset some positive changes from the previous month.
Mortgage Rates Get Lower
The 30-year fixed mortgage rates averaged 3.41%, down from 3.48% a week ago and 4.04% a year ago.
Foreign Investors Still Buying Homes in the US
Foreign investors purchased $102.6 billion of residential property in the U.S. from April 2015 to March 2016. What does it mean to local investors?
Credit Score Differences Among Generations
Credit score for the older generation shows stronger credit profile. Millennials are trending up this year.
Increasing Rents – Better to Pay Mortgage?
Rents across the U.S. are increasing, and not just in the expected regions of New York City, San Francisco and Boston. Still renting? Call our mortgage broker in San Ramon and start owing a home.
Brexit Could Help US Real Estate
Brexit is likely to have a short-term positive effect on commercial real estate in the United States, especially in large gateway cities and in the office market, according to market observers.
Rent Prices
Average U.S. rent rose 0.4% in May, matching the record high, according to consumer price index data released this month, the 67th consecutive month of increases.
Cash Out Refinancing by Homeowners
Freddie Mac says that the trend toward increasing levels of cash out refinancing paused during the first quarter of 2016. The share of refinancing in which homeowners took a new mortgage that was at least 5 percent larger than their old mortgage eased back from 42 percent in the fourth quarter of 2015 to 40 percent. The volume was also down quarter-over-quarter from $11.0 to $10.9 billion.
Mortgage Activity
Mortgage application activity was down across the board during the week ended June 24. The Mortgage Bankers Association (MBA) reports that its Market Composite Index, a measure of application volume, dropped by 2.6 percent on a seasonally adjusted basis from the week ended June 17. On an unadjusted basis the loss was 3 percent.
How Brexit Will Affect Interest Rates
“For the Federal Reserve, a Brexit vote would make it more difficult to raise interest rates,” says PNC senior international economist Bill Adams.
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