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Even today, a popular type of mortgage financing comes with a 30-year term and fixed interest rates, but another loan type is growing far more popular as a result of the continued low interest rates available nationwide. These days, consumers are slowly beginning to favor 15-year fixed-rate mortgages over their 30-year counterparts because of just how affordable they’ve grown in the last year or so, according to a report from the Christian Science Monitor. Data from the Mortgage Bankers Association, for example, shows that 15-year fixed-rate mortgages accounted for about 23 percent of all mortgages — including new loans and refinances — issued in November. And while that may not seem like a large portion of the marketplace, it’s up 51 percent from the same month last year.

Further, information from the tracking firm CoreLogic shows that these 15-year deals also made up just 8.5 percent of such agreements as recently as 2007, but accounted for 35 percent in 2012, the report said. The reason for this is simple: Rates on them are now so low compared with even 30-year fixed mortgages, which themselves have become extremely affordable, that homeowners can bear the additional, larger monthly payment because they’ll save tens of thousands in interest charges over the life of the loan.

Related: Mortgage Calculators

“Consumers are financially savvy, and they recognize 30-year fixed mortgages are a bargain,” says Frank Nothaft, chief economist at the government-sponsored mortgage-backing giant Freddie Mac. “But then they say, ‘Gosh, a 15-year fixed is three-quarters of a percentage point even lower’… You can lock that in and never have to worry about refinancing again.”

The benefit is almost immediate with 15-year mortgages as well, the report said. Randy Wacker, vice president of mortgage lender for Gesa Credit Union in Richland, Wash., told the news source that by the second year of such an agreement, more than half the payment is going to reducing the loan’s principal rather than interest charges, and that doesn’t happen until roughly the 11th year of a 30-year mortgage.

Mortgage rates are expected to hover near the current low levels observed nationwide for some time thanks to the Federal Reserve Board’s latest round of bond-buying, known as qualitative easing. It’s unclear exactly how long the central bank will artificially depress interest rates with this method, but housing affordability is currently hovering at or near all-time highs as a consequence.

See more on Credit.com:
How a Mortgage Can Help (or Hurt) Your Credit
Can You Really Get Your Credit Score for Free?
How Refinancing Can Affect Your Credit


Filed under: News, House of the Day

Our eyes nearly popped out of our heads when we saw the reported sale price of this Woodside, Calif., mega-mansion: $117.5 million! If it’s true, it would be the second most expensive home sale ever in the United States. (Billionaire Stanley Kroenke holds the No. 1 spot for his $132.5 million purchase of a Montana ranch last November.)

Bay Area blog SF Luxe came across the shocking discovery, pointing to public records on listings site Redfin showing the astronomical sale price of the 8,930-square-foot spread in the middle of Silicon Valley. Our buddies at Curbed, though, expressed a bit of skepticism, saying: “It could also be a fat finger error at the property records office.” We can’t be totally certain, but there is some evidence that the sale price may be the real deal. A historic Colonial in Woodside went on the market for $85 million last September, and Russian billionaire Yuri Milner coughed up $100 million for a home in nearby Los Altos Hills, Calif.
The alleged $117.5 million juggernaut, previously owned by private equity bigwig Tully Friedman and designed by starchitect Allan Greenberg, was not publicly listed for sale, according to SF Luxe. The blog did not reveal the buyer, but said that “it’s a name with which you are undoubtedly familiar.” (Mark Zuckerberg?) The stunning Neoclassical home, which sits on nine acres, gets 360-degree views of the Woodside Mountains.


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By Justin McHood

It’s not uncommon for first-time home buyers to ask: “Can my mom and dad give me money to help me buy this house?” The good news is, yes, you can receive a gift from your parents to buy a house, but the way that you actually receive the gift is very important. Mom and dad can’t just leave money under your pillow like the Tooth Fairy did when you were younger.

The process of accepting a gift for your down payment isn’t complicated, and by following these simple rules, you can be sure that the underwriter who is reviewing your file will look at it with an approving eye.

Write a gift letter

If someone is going to be gifting you money to help you buy a house, you’ll first need a gift letter. The gift letter needs to be a short, sweet letter that is hand-signed by you and the person giving the gift. It needs to contain the following:

* The relationship between the home buyer and the person giving the gift.

* The amount of the gift.

* The address of the home being purchased.

* A statement that the money is a gift and not a loan that must be paid back.

Establish a Paper Trail

Next, you’ll need to create a paper trail. This is important because underwriters will look for where the money came from and where it went. In simple terms, they will look for proof that the money came from your parents’ account and went into yours.

Each situation will be slightly different, but be ready to provide paper proof of your parents’ account having money in it, money coming out of that account, a deposit into your account and proof that your account now has the money in it. Accuracy matters when creating this paper trail, so make sure each transaction is for the exact amount of the gift.

Write a Gift Letter and Use This Shortcut

Creating a paper trail correctly has proven to have its fair share of hassles. Getting copies of transactions is time-consuming, and underwriters seem to question every little thing in the process. (“Where exactly did the $10,000 transfer that I see coming into mom and dad’s account come from?”)

The good news is that there’s a shortcut when it comes to gift letters — one that makes the entire process easier. Simply add one sentence to the letter that says: “Will wire the gift directly to escrow at time of closing.”

If you add this line to your gift letter, you can avoid all of the paper chasing that most underwriters will require. A day or two before closing, you can get wiring instructions from your escrow agent for mom and dad to wire the exact amount of the gift directly to the escrow company working on your transaction.


Matt Weaver, an expert real estate advisor and agent in Oldham County, Ky and surrounding communities frequently shares information with buyers and sellers of homes and other real estate properties.  Matt is recognized nationally for his expertise and achievements in assisting families to find the home that best fits their needs.  The following article Matt has had posted for your perusal:

The national housing recovery seems as if it will continue this year, as many local real estate markets were shown to be improving at the start of 2013. The total number of housing markets that saw improvements in the month of January climbed to 242, including metro areas in 48 states, as well as the District of Columbia, according to the Improving Markets Index issued monthly by the National Association of Homebuilders and First American. The current number makes up slightly more than two-thirds of the metro areas the index monitors nationwide, and is up from the 201 improving markets observed in December.

Related: Best Housing Markets of the Real Estate Recovery

“We created the improving markets list in September of 2011 to spotlight individual metros where — contrary to the national headlines — housing markets were on the mend,” said NAHB chairman Barry Rutenberg. “Today, 242 out of 361 metros nationwide appear on that list, including representatives from almost every state in the country. The story is no longer about exceptions to the rule, but about the growing breadth of the housing recovery even as overly strict mortgage requirements hold back the pace of improvement.”

In all, 47 new areas were added to the list of improving cities, while six others dropped off, the report said. Those added include major metro areas from across the country, including Los Angeles, Des Moines, Iowa, Nashville, Tenn., Richmond, Va., and Cleveland. NAHB chief economist David Crowe also said that the national number of improving markets has nearly doubled in the last two months alone driven by more consumer demand pushing home prices higher. However, he also cautioned that in the future, these changes may not continue for much longer due to seasonal shifts in the home market in general.

Related: Find Homes for Sale in the Best Markets

Housing affordability remains rather high even as prices continue to rise across the country thanks in large part to mortgage rates being artificially depressed by the Federal Reserve Board’s latest round of bond-buying, known as QE3. However, some experts note that it’s unlikely that the Fed will continue to snatch up bonds at the rate seen in the last several months, which in turn could lead interest rates to rise in the latter half of the year, and as such, those who are interested in buying a home may want to capitalize on the combined deals on rates and prices as soon as possible.


With rents on the increase, buying is becoming more and more affordable. Need help? Call or comment today!

10 Reasons to Buy Instead of Rent
USNews.com
Real estate company Trulia reports that in many parts of the country, rents are rising while housing prices are falling, making buying a home

Anchorage is a nautical name for a community that is located just over three miles from the Ohio River, and history tells us it was named for a riverboat captain. A fine gentleman named Captain James W. Goslee of the riverboat Matamora took up residence in what was then Hites Mill. When the city was incorporated in 1878, the name Anchorage was chosen to honor him. Legend has it that the anchor that hangs inside the locomotive wheel in the town square was taken from the Matamora by Goslee.
Hites Mill was a just a portion of the original land grant given to Isaac Hite in 1773, and the residents have worked hard over the past century to maintain the lush natural beauty of the land. Though developed, the community is so heavily shaded that the temperature stays comfortably cooler on a hot summer’s day than the neighboring city of Louisville. However, in the fall and winter, the same cooler temperatures apply and heavier jackets can be a necessity.
Anchorage, Kentucky offers residents a small town feel, although it is home to some of the area’s wealthiest citizens. John Schnatter, the founder of Papa John’s, owns around 6% of the land in Anchorage. He has been working to restore historical aspects of the community like the interurban rail station, plus the revitalization of several historic buildings while also adding a hiking trail and an upper class restaurant.
Anchorage gives the feeling of coming home when you drive through and many local residents will attest to that.

Maybe you’re thinking, I need to sell my house – who is the best, most experienced expert, even a specialist, in real estate, in all of Oldham County for selling your home?  Again, the answer is Matt Weaver for all your Real Estate needs.

Matt knows real estate and specializes in several areas:  Oldham County, Crestwood, PeeWee ValleyLaGrange or Anchorage, KY. Call Matt Weaver, 502.376.0884.your experienced professional for questions and expert advice regarding each and every real estate need.

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