The KCM Crew gives compelling evidence why putting your house on the market now is a good idea:

The price of any item (including residential real estate) is determined by ‘supply and demand’. If many people are looking to buy an item and the supply of that item is limited, the price of that item increases.

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Buyers in the market during the winter months are truly motivated purchasers. They want to buy now. With limited inventory available in most markets currently, a seller will be in a great position to negotiate.

via The #1 Reason You Should Sell Now | Keeping Current Matters.

Some very important mortgage news has come about since we flipped the calendar to January. Check out the finer points:

A few weeks ago we heard about changes Fannie Mae and Freddie Mac were making to Loan Level pricing adjustments. Potential home owners without a big down payment  and perfect credit would be paying quite a bit more on conventional loans. It’s now official: Mel Watt, the new FHFA Director,  has now directed the GSEs (Fannie/Freddie) to delay implementation of the G fee and Loan Level Price Adjustments (LLPAs) changes. A review is pending to determine the effect on availability of credit. Without the delay, rates would have gone up 0.5% – 0.75% for most borrowers as a result.

FHA lowered the max loan amounts in some areas, but for those in Dallas, Tarrant, Collin, and Denton Counties, max amounts have gone up! It’s now $287,500,  so you can be looking for homes up to $298,000. Minimum down payments on FHA loans is 3.5% of the sales price and can be gifted from a family member.
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Tapering has Begun.  Every month, our government has been putting 85 billion dollars  into mortgage backed securities and bonds to artificially keep interest rates low along with the hope of improving the housing market. Now that it’s looking better, the tapering of that amount has started, with the first step being 10 billion less per month, which will gradually go down over time. Soon the artificial influence of keeping interest rates down will, of course, taper. Interest rates will go up as a result.

QM (Qualified Mortgage), QRM (Qualified Residential Mortgage) and ATR (Ability To Repay) goes into effect at midnight on the 10th of January. You can expect an all-new underwriting framework for residential mortgage lending. Investors may end up suddenly adjusting based on these new rules.  How it will turn out is up in the air. Be very aware of possible sudden changes coming VERY SOON!

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Realtors are consistently looking for Lenders who can provide a product/service for their clients that take them to their goal – HOME OWNERSHIP.

Success is the name of the game and I have found GOLD FINANCIAL & JERRY HOLCOMB, to be the “very best!” Jerry was presented with an extremely challenging situation. He, and others within GOLD FINANCIAL, went beyond the norm. My client and his family is very pleased, to say the least. The dream is being realized creating a win/win for ALL.

I have since sent other clients to Jerry Holcomb – AND – have recommended his services to other Realtors.

NOW THAT IS A TRUE TESTAMONIAL, MAKE NO MISTAKE!!

As a Realtor for over 18 years I can confidently recommend Gold Financial Services.

JANET A. RINGER,  ABR, GRI, CNHS

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