1월 신규주택 판매건수 15.6 % 증가

2013 년 1월 신규주택 판매 건수가 작년 12월 대비 상승국면으로 접어들었으며,
FHFA 의 DATA 에 의거하면 , INVENTORY 줄어 들고 있슴.

아울러서 4분기 은행 실적 평균 36.9% 증가 하였다고 합니다.

 오늘 아침 MBS INDEX 는 상승국면으로 출발 하여 , 1시 현재 ( EASTERN TIME ) 2 BP 상승 을 나타 내고 있슴.

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3주만에 모기지 이자율 가장 큰폭 하락 ( 이탈리아 선거영향 )

유럽연합 시장의 부정적인 시각인 다시 거론되고 있어며,

오늘 10년 tresurey bond 의 큰폭하락 및 MBS 증권의 큰 상승.

 

Today's Best-Execution Rates

• 30YR FIXED - 3.625%
• FHA/VA - 3.25% - 3.5% (varies more between lenders than conventional 30yr Fixed)
• 15 YEAR FIXED - 2.875%- 3.00%
• 5 YEAR ARMS - 2.625-3.25% depending on the lender

이번주 에 오늘의 하락폭을 기점으로 하여 , 다시 이자율이 11월 이후 3개월째 계속 상승국면인 TREND 를 꺽어 하락 국면으로 들어가 , 아직 재 융자를 많이 하지 못 하신분들에게 , 기회를 제공할수 있기를 바랍니다.

 

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부동산 Seller's 마켓으로 전환하고 있슴.

이제 , 부동산시장이 Buyer's market 에서 seller's market 으로 변환이 되고 있다고 합니다.
NAR 협회의 DATA 통계에 따르면 , HOME SALES 및 가격이 점차적으로 꾸준하게 상승하고 있다고 합니다.
일년전에 비하여 , 판매숫자가 9.1 %  상승했다고 합니다 ( 전국 기준 )

전체 매물 물량재고도 2013 년 1월 기준
4.9 % 줄어 덜었으며, 4.5 개월 임.

가격역시 상승중이라고 하군요.
상세 내용은 아래 NAR RERORT 참조 바랍니다.
WWW.1kbloan.com


The National Association of Realtors®(NAR) said today that a sellers' market is developing in real estate as home sales edge up and home prices continue to rise steadily compared to year-ago levels. Sales in January were up in every region of the country except the West which continues to be plagued by limited inventories.
Existing sales of single-family homes, townhomes, condominiums and co-ops, increased 0.4 percent in January to a seasonally adjusted annual rate of 4.92 from a downwardly revised 4.90 million (from 4.94 million) in December. Sales were 9.1 percent above the 4.51 million-unit pace one year earlier.
Sales of single-family homes increased 0.2 percent to a seasonally adjusted annual rate of 4.34 million from 4.33 million in December, and are 8.5 percent above the 4.00 million-unit level in January 2012. Existing condominium and co-op sales rose 1.8 percent to 580,000 from 570,000 in December, 13.7 percent higher than the 510,000-unit level a year earlier.
Lawrence Yun, NAR chief economist, said tight inventory is a major factor in the market. "Buyer traffic is continuing to pick up, while seller traffic is holding steady," he said. "In fact, buyer traffic is 40 percent above a year ago, so there is plenty of demand but insufficient inventory to improve sales more strongly. We've transitioned into a seller's market in much of the country."
Total housing inventory at the end of January fell 4.9 percent to 1.74 million existing homes, a 4.2-month supply at the current sales pace, down from 4.5 months in December. This is the lowest housing supply since April 2005 when it was also 4.2 months. Listed inventory is 25.3 percent below a year ago when there was a 6.2-month supply. Raw unsold inventory is at the lowest level since December 1999 when there were 1.71 million homes on the market.
"We expect a seasonal rise of inventory this spring, but it may be insufficient to avoid more frequent incidences of multiple bidding and faster-than-normal price growth," Yun explained.
The national median existing-home price for all housing types rose 12.3 percent to $173,600. January was the 11th consecutive month of year-over-year price increases and was the strongest gain since November 2005 when prices had a 12.9 percent annual increase. The median existing single-family home price in January was $174,100 and the median condo price was $169,600. These prices represented annual increases of 12.6 percent and 9.4 percent respectively.
Foreclosures represented 14 percent of January sales and 9 percent were short sales. This was down from an aggregate distressed sales share of 24 percent in December and 35 percent in January 2012. Foreclosures sold for an average discount of 20 percent while short sales were discounted 12 percent.
The median time on market for all homes was 71 days in January, down from 73 days in December and 99 days in January 2012. Short sales were on the market for a median of 94 days, while foreclosures typically sold in 47 days and non-distressed homes took 75 days; 31 percent of all homes sold in January were on the market for less than a month.
First-time buyers accounted for 30 percent of purchases in January, unchanged from December; and investors for 19 percent. Twenty-eight percent of transactions were cash sales compared to 29 percent in December.
Regionally,existing-home sales in the Northeast increased 4.8 percent to an annual rate of 650,000 in January and are 12.1 percent above January 2012. The median price in the Northeast was $230,500, up 2.4 percent from a year ago.
Sales in the Midwest rose 3.6 percent in January to a pace of 1.16 million and are 17.2 percent higher than a year ago. The median price in the Midwest was $131,800, which is 8.6 percent above January 2012.
Existing home sales increased 1.0 percent in the South to an annual level of 1.96 million in January and are 14.0 percent above January 2012. The median price in the South was $152,100, up 13.4 percent from a year ago.
Existing-home sales in the West fell 5.7 percent to a pace of 1.15 million in January and are 5.7 percent below a year ago. The median price in the West was $239,800, which is 26.6 percent above January 2012.

FHA LOAN 의 모기지 연간 보험료 변경/인상의건

FHA LOAN 의  MIP ( Annual Mortgage Insurance Premium ) 모기지 연간 보험료 변경/ 인상의 건

 

1.       2013 년 4월 1일 이후로 부여된 FHA  LOAN 은 모기지 연간 모험료 인상됨.

2.       2013 년 6월3일 이후로 부여된 FHA CASE NO. 의 경우

1.       15년 TERM FHA 융자시 78% 이하 OR 동일한 LTV ( Loan to Value ) 의 경우 , 연간 보험료 면제가 되었으나 , 더이상 은 면제 되지 않음.

2.       아울러서 15년TERM or LESS TERM 의 연간 보험료가 인상이 됨.

ð  즉 2013년 4월 1일 이후로 FHA CASE 부여된 LOAN 특히 30년은 바로 해당이 되나 , 2013년 6월 2일 까지 15년 OR LESS TERM 은 혜택을 받음.그러나 6월 3일 이후로는 모든 FHA LOAN 이 보험료 인상및 면제 혜택이 사라짐.

 

세부 TABLE 참조

1.       MIP  변경 사항

TERM	LTV ( % )	PREVIOUS	NEW
Less/equal to 15 years	Less/ equal to 78%	No annual MIP	11 years
Less/ equal to 15 years	Ø  78 – 90 %	Cancelled at 78% MIP	11 years
Less / Equal to 15 years	Ø  90%	Cancelled at 78% MIP	Loan Term
Ø  15 YEARS	Less / equal to 78%	5 Years	11 Years
Ø  15 Years	Ø  78 – 90 %	At 78% LTV & 5 Years	11 years
Ø  15 YEARS	Ø  90%	At 78% LTV & 5 Years	Loan Term

 

2.       MIP 인상 세부 내역

TERM > 15 YEARS
BASE LOAN AMOUNT	LTV	Previous MIP	New MIP
Less/equal  $ 625,5000	Less/equal to 95 %	120 bps	130 bps
Less/equal  $ 625,5000	Ø  95 %	125 bps	135 bps
Ø  $ 625,500	Less / equal to 95%	145 bps	150 bps
Ø  $ 625,500	Ø  95 %	150 bps	155 bps
TERM Less/equal to 15 Years
Less/equal  $ 625,5000	78.01 % - 90 %	35 bps	45 bps
Less/equal  $ 625,5000	Ø  90 %	60 bps	70 bps
Ø  $ 625,500	78.01% -- 90 %	60 bps	70 bps
Ø  $ 625,500	Ø  90%	85 bps	95 bps

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YOUR MORTGAGE PARTNER IN CALIFORNIA.
Please visit my website " www.1kbloan.com " for more in details.

Enjoy the lowest rate !!! I will get you the lowest mortgage rate !
The program that I deal with

           1. Purchase / Refinance Loan
           2. FHA Loan
           3. Reverse Mortgage Loan
           4. Commerical / SBA related www.1kbloan.com

 

Learn about Mortgage Program

Many people do not understand different programs of loan.
they keep asking why some orgnixation ask for less doc.. compared to the others.

1. Learn about Mortgage Player

   A. Primary  Market
          **  Wholesale Mortgage Broker : contracts with many lender
          **  Retail Bank                           : direct loan to borrower.
          ** Wholesale Lneder                  : cntract to broker or loan direct to borrower.
         
     B. Secondary Market
          **GSE ( Government spnsored enteprise ) : Fannie Mae / Freddie mac
           ==> these group buy the Mortgage from Primary market
           => they require regulation to buy the loan from the primary market

** That is why regardless of what company in primary market player you contact , they all require same documents in order to sell your loan to secondary market.

      Why they sell your loan to secondary market ?
           ==> They need cash to lend you the mortgage again.

** Then why some company ask for less documents ?
    ==> this is so called

                  A. Private lender  : higher interest
                  B. Portfolio lender : they keep mortgage note by themselves not to sell
                       to secondary market .
                    ==>  that is why they do not ask for same documents because they do not need to meet
                            the requirement of secondary market
                   ===> In this case , what do you think about the interest ?

Greetings

Your california Mortgage Broker and Real Estate Broker

Welcome to my blogger world.
Below is the details of MY License.

Serving Area : California Only

DRE Broker Lic. : 01872489
NMLS ID for Company : 908738
NMLS ID for Broker     : 851087
website : www.1kbloan.com