Your SlideShare is downloading. ×
Naea 10-13
Upcoming SlideShare
Loading in...5
×

Thanks for flagging this SlideShare!

Oops! An error has occurred.

×

Introducing the official SlideShare app

Stunning, full-screen experience for iPhone and Android

Text the download link to your phone

Standard text messaging rates apply

Naea 10-13

77
views

Published on

Published in: Economy & Finance, Business

0 Comments
0 Likes
Statistics
Notes
  • Be the first to comment

  • Be the first to like this

No Downloads
Views
Total Views
77
On Slideshare
0
From Embeds
0
Number of Embeds
2
Actions
Shares
0
Downloads
0
Comments
0
Likes
0
Embeds 0
No embeds

Report content
Flagged as inappropriate Flag as inappropriate
Flag as inappropriate

Select your reason for flagging this presentation as inappropriate.

Cancel
No notes for slide
  • http://phx.corporate-ir.net/phoenix.zhtml?c=61502&p=irol-newsArticle&ID=1856909&highlight=
  • http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • http://trends.truliablog.com/2013/09/rent-vs-buy-summer-2013/
  • http://www.spindices.com/index-family/real-estate/sp-case-shiller
  • http://www.spindices.com/index-family/real-estate/sp-case-shiller
  • http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • http://phx.corporate-ir.net/phoenix.zhtml?c=61502&p=irol-newsArticle&ID=1856909&highlight=
  • http://phx.corporate-ir.net/phoenix.zhtml?c=61502&p=irol-newsArticle&ID=1856909&highlight=
  • http://www.freddiemac.com/pmms
  • http://www.mortgagebankers.org/files/Bulletin/InternalResource/84813_.pdf
    http://www.freddiemac.com/news/finance/docs/Jun_2013_public_outlook.pdf
    http://www.realtor.org/sites/default/files/reports/2013/embargoes/phs-6-27-hgbfjnv/july-2013-outlook-2013-6-27.pdf
    http://www.fanniemae.com/resources/file/research/emma/pdf/Housing_Forecast_061313.pdf
  • http://www.housingwire.com/articles/26818-move-up-buying-activity-rises-with-home-equity-gains
  • http://www.fncrpi.com/press_releases.aspx?pr=69
  • http://www.realtor.org/
  • http://www.zillowblog.com/2013-09-22/u-s-home-values-continue-to-surge-in-august-pace-expected-to-slow-as-summer-season-ends/
  • http://www.freddiemac.com/pmms
  • http://www.realtor.org/
  • http://www.realtor.org/
  • http://www.realtor.org/
  • https://www.spice-indices.com/idpfiles/spice-assets/resources/public/documents/19529_cshomeprice-release-0730.pdf?force_download=true
  • http://www.marketingsherpa.com/article/chart/tactics-budget-2014-investment
  • http://jenniferlistens.wordpress.com/
  • http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • http://trends.truliablog.com/2013/09/rent-vs-buy-summer-2013/
  • http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • Transcript

    • 1. KCM Divided into Three Sections
    • 2. 5,500,000 5,000,000 4,500,000 4,000,000 Existing Home Sales
    • 3. "It seems like Americans' love affair with real estate has returned." Greg McBride Bankrate.com's senior financial analyst Bankrate.com 8/2013
    • 4. Top 5 Reasons Americans Buy a Home A better place to raise their children A place their family can feel safe Ability to have more space Freedom to renovate to their taste Owning is a better investment Fannie Mae
    • 5. Owning is still… 35 % Cheaper than renting Homeownership remains cheaper than renting in all of the 100 largest metro areas Trulia 9/2013
    • 6. RETURN ON INVESTMENT January 2000 – September 2013 MSN Money.com, Case Shiller
    • 7. RETURN ON INVESTMENT The Last Twelve Months MSN Money.com, Case Shiller
    • 8. Breakdown of the American Family’s Net Worth $77,300 $47,500 $29,800 Total Wealth Home Equity Other Assets Federal Reserve 2012
    • 9. Breakdown of the American Family’s Net Worth Home Equity 38.6% 61.4% Other Assets Federal Reserve 2012
    • 10. Homeowners Net Worth… OVER 30X greater than renters Federal Reserve 2012
    • 11. An American Family’s Net Worth $174,500 $5,100 Homeowner Renter Federal Reserve 2012
    • 12. The two best ways to invest money not needed for more than 10 years CASH REAL ESTATE Bankrate.com 8/2013
    • 13. Home Prices over the Next 12 Months Prices Going Up Prices Falling 36% Remain the Same/Not Sure 29% 6% 9% 55% All Americans 65% Upper Middle Class Households
    • 14. Window of OPPORTUNITY
    • 15. ta·per ˈtāpər/ Verb – to diminish or reduce
    • 16. Recent Rate Movement 30 Year Fixed Rate Freddie Mac 9/2013
    • 17. “If the data confirms our basic outlook, then we could move later this year.” Ben Bernanke Chairman of the Fed
    • 18. Mortgage Rate Projections Analyst Projected Rate 4Q 2014 Fannie Mae 5.3% National Assoc of Realtors 5.5% Freddie Mac 5.2% Mortgage Bankers Assoc 5.1% 9/2013
    • 19. Buyer’s Purchasing Power Mortgage Interest Rate Payment (P&I) Today $250,000 4.22% 1,225.46 Next Year $250,000 5.3% 1,388.26 Monthly Difference $162.80
    • 20. What About the Move-Up Seller?
    • 21. “8.3 million homeowners are on the equity fence, and should have at least 20% equity in the next 15 months… If 5% of these 8.3 million homeowners list their homes for sale, that’s an additional 415,000 homes that will be available for sale in the coming months.” Daren Blomquist Vice President of RealtyTrac HousingWire 8/2013
    • 22. “In the meantime, higher home prices are bringing out trade-up demand from existing homeowners who are experiencing rising home equity, which supports a down payment on their next bigger house.” Yanling Mayer Director of Research, FNC Inc. HousingWire 8/2013
    • 23. Months Inventory of Homes for Sale 5-6 Months = Normal Market Inventory NAR 9/2013
    • 24. Year-over-Year Change in Prices S&P Case Shiller 9/2013
    • 25. “This rapid growth is not normal and cannot and should not be expected to last. We are already beginning to see moderation in the monthly pace of home value appreciation, which will be good for the market overall and in the long term.” Stan Humphries Zillow Chief Economist Zillow 9/2013
    • 26. 30 Year Fixed Rate Mortgage History January 2012 – October 2013 Federal Reserve 9/2013
    • 27. 115 Pending Home Sales 110 105 100 100 = Historically Healthy Level 95 90 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug NAR 9/2013
    • 28. Months Inventory of Homes for Sale 5-6 Months = Normal Market Inventory NAR 9/2013
    • 29. Percentage of Distressed Property Sales 35% 12% NAR 92013
    • 30. S&P Case-Shiller Home Price Indices S&P Case Shiller 9/2013
    • 31. How will budgets change in 2014? marketingsherpa 9/2013
    • 32. http://jenniferlistens.wordpress.com/
    • 33. Top 5 Reasons Americans Buy a Home A better place to raise their children A place their family can feel safe Ability to have more space Freedom to renovate to their taste Owning is a better investment Fannie Mae
    • 34. Owning is still… 35 % Cheaper than renting Homeownership remains cheaper than renting in all of the 100 largest metro areas Trulia 9/2013
    • 35. Breakdown of the American Family’s Net Worth Federal Reserve 2012
    • 36. Breakdown of the American Family’s Net Worth Home Equity 38.6% 61.4% Other Assets Federal Reserve 2012
    • 37. Homeowners Net Worth… OVER 30X greater than renters Federal Reserve 2012
    • 38. An American Family’s Net Worth Federal Reserve 2012
    • 39. Resources Slide Slide Title Link 6 Greg McBride BankRate.com http://phx.corporate-ir.net/phoenix.zhtml?c=61502&p=irol-newsArticle&ID=1856909&highlight= 7 Top 5 Reasons Americans Buy a Home http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf 8 Owning is still… http://trends.truliablog.com/2013/09/rent-vs-buy-summer-2013/ 9, 10 Return on Investment http://www.spindices.com/index-family/real-estate/sp-case-shiller 11, 12, 13, 14 Breakdown of the American Family’s Net Worth http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf 15, 16 The 2 Best Ways to Invest, Home Prices Over the Next 12 Months http://phx.corporate-ir.net/phoenix.zhtml?c=61502&p=irol-newsArticle&ID=1856909&highlight= 19 Recent Rate Movement http://www.freddiemac.com/pmms 21 Mortgage Rate Projections http://www.mortgagebankers.org/files/Bulletin/InternalResource/84813_.pdf http://www.freddiemac.com/news/finance/docs/Jun_2013_public_outlook.pdf http://www.realtor.org/sites/default/files/reports/2013/embargoes/phs-6-27-hgbfjnv/july-2013-outlook-2 http://www.fanniemae.com/resources/file/research/emma/pdf/Housing_Forecast_061313.pdf 24 Daren Blomquist Quote http://www.housingwire.com/articles/26818-move-up-buying-activity-rises-with-home-equity-gains 25 Yanling Mayer Quote http://www.fncrpi.com/press_releases.aspx?pr=69 KEEPINGCURRENTMATTERS.COM
    • 40. Resources Slide Slide Title Link 26 Months Inventory of Homes for Sale http://www.realtor.org 28 Stan Humphries Quote http://www.zillowblog.com/2013-09-22/u-s-home-values-continue-to-surge-in-august-pace-expected 30 30 Year Fixed Rate Mortgage History http://www.freddiemac.com/pmms 31, 32, 33 Pending Home Sales, Months Inventory, Distressed Properties http://www.realtor.org 34 S&P Case-Shiller Home Price Indices https://www.spice-indices.com/idpfiles/spice-assets/resources/public/documents/19529_cshomepric 36 How will budgets change in 2014? http://www.marketingsherpa.com/article/chart/tactics-budget-2014-investment 37 Jennifer Listens Blog http://jenniferlistens.wordpress.com KEEPINGCURRENTMATTERS.COM
    • 41. COLLEGE EDUCATION PRIVATE BUSINESS