February existing-home sales declined from an upwardly revised January pace but are well above a year ago, while the median price posted a slight gain, according to the National Association of REALTORS®. Sales were up in the Midwest and South, offset by declines in the Northeast and West.

Total existing-home sales, which are completed transactions that include single-family homes, townhomes, condominiums, and co-ops, slipped 0.9 percent to a seasonally adjusted annual rate of 4.59 million in February from an upwardly revised 4.63 million in January, but are 8.8 percent higher than the 4.22 million-unit level in February 2011.

Lawrence Yun, NAR chief economist, said underlying factors are much better compared to one year ago. “The market is trending up unevenly, with record high consumer buying power and sustained job gains giving buyers the confidence they need to get into the market,” he said. “Although relatively unusual, there will be rising demand for both rental space and homeownership this year. The great suppression in household formation during the past four years was unsustainable, and a pent-up demand could burst forth from the improving economy.”

According to Freddie Mac, the national average commitment rate for a 30-year, conventional, fixed-rate mortgage was a record low 3.89 percent in February, down from 3.92 percent in January; the rate was 4.95 percent in February 2011; recordkeeping began in 1971.

NAR President Moe Veissi, broker-owner of Veissi & Associates Inc. in Miami, said market conditions are improving. “Supply and demand have become more balanced in more markets, but with tight supply in the lower price ranges – particularly in the West,” he said. “When markets are balanced, we normally see prices rise one to two percentage points above the rate of inflation, but foreclosures and short sales are holding back median prices.”

The national median existing-home price for all housing types was $156,600 in February, up 0.3 percent from February 2011. Distressed homes – foreclosures and short sales sold at deep discounts – accounted for 34 percent of February sales (20 percent were foreclosures and 14 percent were short sales), down from 35 percent in January and 39 percent in February 2011.

“The bottom line is investors and first-time buyers are competing for bargain-priced properties in much of the country, with home prices showing signs of stabilizing in many areas,” Veissi said. “People realize that homeownership is an investment in their future. Given an apparent over-correction in most areas, over the long term home prices have nowhere to go but up.”

Total housing inventory at the end of February rose 4.3 percent to 2.43 million existing homes available for sale, which represents a 6.4-month supply at the current sales pace, up from a 6.0-month supply in January.
Even so, unsold listed inventory has trended down from a record 4.04 million in July 2007, and is 19.3 percent below a year ago.

“Falling visible and shadow inventory, combined with a dearth of new-home and apartment construction during the past three years, assure that rents will continue to rise, with likely home price increases in 2012,” Yun said.

Fifty-one percent of NAR members report that contracts settled on time in February, 18 percent had delays, and 31 percent experienced contract failures; the cancellation rate was 33 percent in January and 9 percent in February 2011. Contract failures are commonly caused by declined mortgage applications and failures in loan underwriting from appraisals coming in below the negotiated price.

“Many buyers are staying in the market after experiencing a contract failure and making an offer on another property, showing their determination to take advantage of the favorable conditions, but the cancellations are contributing to an uneven sales pattern,” Yun said.

All-cash sales rose to 33 percent of transactions in February from 31 percent in January; they were 33 percent in February 2011. Investors account for the bulk of cash transactions.

Investors purchased 23 percent of homes in February, unchanged from January; they were 20 percent in February 2011. First-time buyers accounted for 32 percent of transactions in February, down from 33 percent in January and 34 percent in February 2011.

Single-family home sales declined 1.0 percent to a seasonally adjusted annual rate of 4.06 million in February from 4.10 million in January, but are 9.4 percent higher than the 3.71 million-unit level a year ago. The median existing single-family home price was $157,100 in February, which is 0.1 percent above February 2011.

Existing condominium and co-op sales were unchanged at a seasonally adjusted annual rate of 530,000 in February and are 3.9 percent above the 510,000-unit pace in February 2011. The median existing condo price was $153,000 in February, up 1.6 percent from a year ago.

Regionally, existing-home sales in the Northeast fell 3.3 percent to an annual level of 580,000 in February but are 5.5 percent above a year ago. The median price in the Northeast was $225,800, down 1.9 percent from February 2011.

Existing-home sales in the Midwest rose 1.0 percent in February to a pace of 1.02 million and are 13.3 percent higher than February 2011. The median price in the Midwest was $120,500, which is 0.5 percent below a year ago.

In the South, existing-home sales increased 0.6 percent to an annual level of 1.77 million in February and are 9.3 percent higher than a year ago. The median price in the South was $138,100, up 1.8 percent from February 2011.

Existing-home sales in the West declined 3.2 percent to an annual pace of 1.22 million in February but are 6.1 percent above February 2011. The median price in the West was $195,300, up 3.1 percent from a year ago.

Source: National Association of REALTORS®


 By: Krista Franks Brock

Capital Economics expects the housing crisis to end this year, according to a report released Tuesday. One of the reasons: loosening credit.

The analytics firm notes the average credit score required to attain a mortgage loan is 700. While this is higher than scores required prior to the crisis, it is constant with requirements one year ago.

Additionally, a Fed Senior Loan Officer Survey found credit requirements in the fourth quarter were consistent with the past three quarters.

However, other market indicators point not just to a stabilization of mortgage lending standards, but also a loosening of credit availability.

Banks are now lending amounts up to 3.5 times borrower earnings. This is up from a low during the crisis of 3.2 times borrower earnings.

Banks are also loosening loan-to-value ratios (LTV), which Capital Economics denotes “the clearest sign yet of an improvement in mortgage credit conditions.”

In contrast to a low of 74 percent reached in mid-2010, banks are now lending at 82 percent LTV.

While credit conditions may have loosened slightly, some potential homebuyers are still struggling with credit requirements. In fact, Capital Economics points out that in November 8 percent of contract cancellations were the result of a potential buyer not qualifying for a loan.

Additionally, Capital Economics says “any improvement in credit conditions won’t be significant enough to generate actual house price gains,” and potential ramifications from the euro-zone pose a threat to future credit availability.



  • Experts identify 10 seller mistakes that turn off buyers.
  • Dirt, odors, too many personal items make the list.
  • Small fixes can make a big difference in marketing a home.

What a difference a couple of years makes.

Back in 2007, homebuyers would beg to purchase your house. They would even bid more than the asking price for the privilege to do so.

Today … well, not so much. Once the real estate bubble burst and foreclosures poisoned the housing pool, buyers suddenly regained the upper hand. But instead of buying, they’re waiting, convinced that housing prices will continue to drop.

10 home sales killers

  1. Dirt
  2. Odors
  3. Old fixtures
  4. Wallpaper
  5. Popcorn acoustic ceilings
  6. Too many personal items
  7. Snoopy sellers
  8. Misrepresenting your home
  9. Poor curb appeal
  10. Clutter

By Lauren Ratcliffe
Published March 20, 2012

Realtors specializing in resort and second home communities have reason to be optimistic in the coming year, according to an economist with the National Association of Realtors.

Lawrence Yun, chief economist with NAR, said that equipping Realtors with good data is critical in helping potential homebuyers understand what’s going on in the economy.

If Realtors can communicate the data, the public perception of what home values will do in the future will help fuel the upswing, he said at the National Association of Realtors Resort and Second Home Symposium on Kiawah Island.

“It’s not only about the right perception and the sentiment, but the actual data,” Yun said. “It has been very rough and tough, but now things are beginning to blossom and nearly everywhere, most parts of the country, sales are up.”

Increasing rent prices, job creation and a stabilizing stock market were among the national factors Yun suggested were driving the overall rebound of the housing market.

For the Realtors specializing in second-home markets, the downturn was especially rough, Yun said. But historically, that market swings more violently than the overall housing market — setting those Realtors up for big gains once the market turns.

Yun said traditional resort markets are seeing inventory shrink to two-month levels — and driving prices back up.

The Charleston-area resort market offers destination communities including Kiawah Island and other beach and waterfront communities. But Charleston isn’t yet considered a traditional resort community.

“South Carolina has always seemed to lag behind what people see as traditional resort markets in Florida,” Yun said. “But those markets have already started to pick up.”

Historically low mortgage rates also are set to rise, based on the data Yun has been receiving.

“The days of a 3.9-mortgage rate may have already passed,” Yun said. “People who set out to get the lowest rates may have already missed it.”

International business coming to the Charleston area by way of Boeing or shipping through the port is also likely to contribute to an increase in second-home purchases, according to Yun.

George Harvey, resort and second home chairman for NAR, agreed. He said many second-home buyers start out as repeat vacationers before venturing into the real estate market.

Vacationing provides an easy entry point into a community, Harvey said.

“After a five- to 10-year period, they may sell their primary residences and move permanently to their vacation homes,” he said.

Another factor stressed as a reason to be optimistic is the graying of the population. Yun said that demographic and economic indicators are suggesting that more people are of both the age and wealth status to fall into the second-home population.

Harvey agreed, adding that baby boomer wealth in some cases is coming not only from their own efforts but as an inheritance from their parents.

The rebounding of the stock market helps the boomer generation recover wealth they’d invested.

“They took a little bit of a hit,” Harvey said. “They are also poised to inherit a lot of wealth from their parents who were very frugal savers.”

Harvey added that investing in a vacation home may not be entirely for personal pleasure, as many boomers aren’t retiring completely, but instead transitioning to part-time work. Real estate is viewed as a personal expense, but also an investment for the future, he said.

“We’re in a perfect place for real estate investment (in the resort market),” Harvey said. “The worst is behind us and the upside is looking good. “

Daily Real Estate News | Wednesday, March 21, 2012
Oprah Winfrey sold her New York City penthouse for $7.9 million in less than a week, with buyers starting to line up as soon as the property hit the market on Feb. 22, according to media reports.

A British financier, whose name has not been disclosed, made an offer right away and will close on the penthouse next month.

Winfrey purchased the penthouse in 2008 for $7.1 million in the name of her late cocker spaniel.

The 26th floor unit is 2,530 square feet and has three bedrooms and includes a 768 square foot balcony, a master suite with three walk-in closets, and views that extend from New York’s Central Park to the Hudson River. Oprah reportedly never lived in the penthouse, but her friend Gayle King had occupied it.

Source: “Oprah Sells NYC Penthouse for $7.9M,” UPI (March 19, 2012)

Pursuing a short sale is often thought of as a painstaking process, and it’s not uncommon to hear of complaints about slow responses from servicers and last minute rejections on offers. Fortunately, not all lenders/servicers are the same when it comes to dealing with short sales, and RealtyTrac compiled a list of data revealing which institutions tend to move through the process quicker and for less.

Fannie Mae, Freddie Mac, and FHA had the shortest timelines at 193 days in January 2012, a decrease compared to a year ago in January 2011, when short sales averaged 248 days. Ally Financial came in second at 321 days, reducing its timeline as well from 393 days a year ago.

PNC Financial Group was third, taking 353 days, though the bank takes longer than it did a year ago when the it took 206 days. Wells Fargo came in fourth (385 days). Bank of New York Mellon took the fifth longest (402 days), followed by Bank of America (403 days) and Sun Trust (404 days). The short sale timeline includes the time a property starts the foreclosure process to the time it’s sold as a pre-foreclosure property.

Recently, Fannie Mae and Freddie Mac announced new guidelines to take effect in June requiring servicers to respond within 30 days after receiving a short sale offer or a borrower application. Bank of America recently announced that its providing a decision on a short sale offer in 20 days.

In terms of pricing, Fannie Mae, Freddie Mac, and FHA sold homes for the least amount in January 2012, averaging $128,642, a drop from year ago prices in January 2011 when they averaged $160,982. Deutsche Bank’s average price was $132,996, followed by Sun Trust Banks ($144,024), and CitiGroup ($148,411), and PNC Financial Group Inc ($149,332). Bank of America Wells Fargo were the bottom two on the top 10 list, averaging $158,632 and $167,371, respectively, for January 2012.

As for the number of short sales, Bank of America completed the most in January 2012, with 5,276, followed by Chase (2,967), Wells Fargo (2,788), MERS (1,429), and Bank of New York Mellon (1,401).

Charleston Dining

Wednesday |



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Inclusive permite nunca mucho, lo mГЎs habitual era tener la primera cita de manera plenamente inesperada. ConocГ­as a alguien en un lugar, te separabas del conjunto de amigos desplazГЎndolo hacia el pelo un aniversario normal se convertГ­a en la cita. Read more

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Tips create a fictional character investigations personality analysis is the procedure

By description, a personality examination is the process of evaluating the exact behavior of a fictional characteristics. This would add in account of added properties for example the role the two portray in facts as well a variety of problems these people discover.

Once studying a fictional character, it is critical to remain essential, enquire helpful analysis concerns, and foundation their ideas about each identity getting evaluated of the three countries mentioned early in the day.

Typically, an author use close details if outlining the exterior beauty from the dynamics. As your readers, that you are frequently able to deducing age the smoothness, their body length, her ethnicity lots more appropriate personality.

Fictional character investigations like most some other written project might completed with the assistance of seasoned educational writers. We’ve reached a few of them and analyzed their succeed:

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Character evaluation implies not only picking right up regarding the refined hints the writer may use to build her figures, within checking out from the contours and noticing the tiny specifics that might, at first, seem unimportant.

For instance, you could also face a passage in a book, much like the an individual below, which brings care about an outside identity attribute. Read more

Cinco alertas Con El Fin De identificar un perfil falso en internet

Los derechos ARCO sobre paso, rectificacion, cancelacion y no ha transpirado competicion protegen nuestros datos en las redes

Nuestros dispositivos informaticos son vulnerables desplazandolo hacia el pelo pueden depararnos disgustos graves como que alguien suplante nuestro lateral y no ha transpirado la ciber identidad utilizando nuestros datos personales y la imagen falto nosotros saberlo. En muchas situaciones, aquellos percances se producen por nuestra escasa interes a la hora de amparar la figura en las redes.

Muchas son las grietas por las que se cuelan desconocidos en nuestros dispositivos para robarnos nuestra identidad digital y no ha transpirado tener paso a modelos cuentas, fotografias, videos que nosotros creemos tener protegidos.

El Instituto Nacional de Ciberseguridad (INCIBE) advierte sobre lo que puede implicar que alguien actue en las pi?ginas escaso nuestro nombre con una cuenta falso. El riesgo se amplia Ademi?s cuando podemos quedar interactuado con alguien a quien creemos tener bien identificado asi­ como que puede tratarse de un remitente que nos engana.

Esos son las cinco elementos sospechosos que Conforme el INCIBE pueden indicarnos que estamos ante alguien que utiliza una cuenta falso:

  • – referencia basica: Acostumbran A carecer de la vida total con datos poco fiables o con descripciones vagas e incoherentes.
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However, something has-been nagging at me not too long ago: she’s looking forward to marriage to possess intercourse.

“Sarah” and I have already been together for annually and a half.

She explained this early in our very own relationship — its a religious thing, in addition to her own choice — and I also got okay with this at that time because I imagined, better, absolutely other things you could do. Additionally it is the lady choice; exactly who are I to force this lady? I learned after that no sex before relationship created no genuine actual partnership before matrimony. It surely never annoyed myself before the final month or two if it is come back at my mind consistently. In addition discovered that I’m nowhere next to acquiring involved — i am nonetheless racking your brains on if it is because i am making a lifetime career modification eventually, or if perhaps i am nevertheless uncertain if she is the one. This is the longest union for folks (and her first “real” relationship).

Not too long ago, she and that I had an extended dialogue about that waiting. We shared with her that this no-contact thing is extremely discouraging if you ask me, but easily included that I wasn’t looking for well-known remedy because I am not pressuring her into doing something if she is perhaps not ready. Read more

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Sexual viril algunas cosas que. Ustedes 2 En Caso De Que los miembros masculinos Incluso seres cambian ciertos creen que consigas un tipo que ella parentela de estas citas el sexo. Read more

Elaborate dollars lending options home financing which normal creditors their

You already know the finding the right bank to do the job is one of the most crucial areas once you re in the commercial of rehabbing and reselling qualities.

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Brand-new recommendations, nonprofits assist stop predatory payday advance loan in Minnesota

Even while specifications against payday lending services stall outside in the labyrinth of bureaucracy, neighborhood changemakers continue steadily to render therapy for individuals trapped indebted catches and prevent maintain wide range in your towns and right out the possession of economic predators.

For Lara along with her ex-husband, making use of pay day loans was just said to be a single, monetary Hail Martha. Like other North american couples, the happy couple discovered themselves strapped for dollars and hesitantly got an online payday loan to handle expenditures until their own next paycheck. At the moment, Lara got a young mommy elevating three children from home while her spouse functioned professional.

“He was in the military, I happened to be a stay-at-home ma doing work opportunities as I could, Lara, just who asked never to talk about the girl last name because this model work, said.The military didnt spend sufficient. However they just do not.

“We got an online payday loan of about 200, Lara mentioned. Once pay check arrived the lender need 300. These people were in a position to repay the 300, but they came up quite short for their next cost.

“So you got another money, Lara mentioned. And just like that, the trap-door forced straight down.

“It so an easy task to create. Much simpler! You only take a paystub lower and also you inform them just how much want, Lara stated.

Read more