There has been much conversation regarding the lack of first time home buyers in today’s real estate market. However, three recent reports seem to suggest that they are now entering the market in increasing numbers. The most recent Existing Home Sales Report from the National Association of Realtors (NAR) reported that:

“The percent share of first-time buyers rose to 32 percent in May, up from 30 percent in April and matching the highest share since September 2012. A year ago, first-time buyers represented 27 percent of all buyers.”

And, in a recent Washington Post article, Ken Harney revealed that:

“According to a June 19 Campbell/Inside Mortgage Finance tracking survey, which polls 2,000 real estate agents nationwide, first-time buyers accounted for nearly 39 percent of home purchases in May; that’s the highest level since August 2010.”

Also, according to American Enterprise Institute’s International Center on Housing Risk’s May First-Time Buyer Mortgage Risk Index (FBMRI), the share of first-time buyers stood at an estimated 52.2 percent. Lawrence Yun, the Chief Economist at NAR explained:

“The return of first-time buyers in May is an encouraging sign and is the result of multiple factors, including strong job gains among young adults, less expensive mortgage insurance and lenders offering low down payment programs.”

Bottom Line

It seems that the number of first time buyers is increasing for the first time in a long time. This further lends credence to the fact that the residential housing market is back.

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J. Scott Harris Vice President – Mortgage Miracle Working – NMLS #375517 Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana 885 E. Collins Blvd. Suite 110 Richardson, TX 75081 24/7 Mobile: 214-435-8825 Secure Fax: 866-343-3688 Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

If you are planning on selling your home over the next two years, now may be the time to act. Demand is high, supply is low and many homeowners are benefiting from an almost auction atmosphere with several buyers fighting for their house in the current multi-bid environment.

Higher prices and less stringent contingencies are making it easier for the seller and their family. However, there may be more (and better) competition about to hit the market in the form of newly constructed homes. This may put an end to the buyers’ frenzy over the limited inventory of existing homes which has been below normal levels for over a year.

According to the latest report from the National Association of Realtors (NAR), the forecast for new housing starts and sales will increase significantly over the next two years:

• NAR is forecasting 1.1 million new housing starts in 2015, jumping to 1.4 million in 2016.
• New home sales are projected to increase from the 437,000 in 2014 to 570,000 this year and 720,000 in 2016.

Bottom Line

In DFW, building cranes are again stretched across the city skyline. In most suburbs, you can again hear the thumping of a carpenter’s hammer in the background. Those are the sights and sounds that inform us that it may be time to buy or move-up!

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Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

Thank You All,

I can’t begin to tell you how happy we are to finally have our own home.
I’m so glad I found you guys, and would be more than happy to refer you to the world.
I would like to thank all of your team for what you have done, you really made this
whole process go very smoothly.
Keep up the great work and all the best to you and yours.

D & C H

We are very grateful for our clients who continue to refer us to their friends and family.
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J. Scott Harris
Vice President – MORTGAGE MIRACLE WORKING
NMLS #375517
Gold Financial Services, Inc.

885 E. Collins Blvd., Road, Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

Apply Online – www.MortgageXperts.com

Gold Financial Services, Inc.
is a division of Amcap Mortgage, Ltd. NMLS# 129122

Yesterday, the National Association of Realtors (NAR) released their Existing Home Sales Report. The numbers shocked many analysts as they revealed a 10.4% increase over the same month last year.

This is the highest number of sales since September 2013. Sales have increased year-over-year for six consecutive months and the 10.4% increase is the highest annual increase since August 2013. March’s sales increase was the largest monthly increase since December 2010.

Lawrence Yun, NAR’s chief economist, explained:

“After a quiet start to the year, sales activity picked up greatly throughout the country in March. The combination of low interest rates and the ongoing stability in the job market is improving buyer confidence and finally releasing some of the sizable pent-up demand that accumulated in recent years.”

Here is a graph showing home sales so far this year:
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An increase in sales occurred in every region of the country even the Northeast that experienced one of their roughest winters in years:

Bottom Line

Houses are flying off the shelves. This may be the perfect time to sell yours.

Most people do not realize their credit scores go up and down each month with the balances of their credit cards.  If they are maxed out, the score goes lower.

If the balance is over the credit limit, they go MUCH lower.

This happy client was already approved with Gold Financial at 628 credit score.

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On a $200,000 loan, that is $2000 in today’s dollars.

We always work to get our buyers the best deal!

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Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

No, we will not match their rate.  It was not real to begin with.

If you would like to purchase this home, we will be happy to give you GREAT service and STILL close your loan on time.

Signed,

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FRUSTRATED LOAN OFFICER

The New York Times recently published an editorial entitled, “Homeownership and Wealth Creation.” The housing market has made a strong recovery, not only in sales and prices, but also in the confidence of consumers and experts as an investment. The article explains:

“Homeownership long has been central to Americans’ ability to amass wealth; even with the substantial decline in wealth after the housing bust, the net worth of homeowners over time has significantly outpaced that of renters, who tend as a group to accumulate little if any wealth.”

Many of the points that were made in the article are on track with the research that the Federal Reserve has also conducted in their Survey of Consumer Finances. The study found that the average net worth of a homeowner ($194,500) is 36x greater than that of a renter ($5,400). One reason for this large discrepancy in net worth is the concept of ‘forced savings’ created by having a mortgage payment and was explained by the Times:

“Homeownership requires potential buyers to save for a down payment, and forces them to continue to save by paying down a portion of the mortgage principal each month.” “Even in instances where renters have excess cash, saving a substantial amount is difficult without a near-term goal, like a down payment. It is also difficult to systematically invest each month in stocks, bonds or other assets without being compelled to do so.”

Bottom Line

“As a means to building wealth, there is no practical substitute for homeownership.” If you are a renter who is considering making a purchase, sit with a local real estate professional who can explain the benefits of signing a contract to purchase over renewing your lease!

KCB Blog source

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Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122