Monthly Newsletter published jointly by Paul W. Drury and Keller Williams Realty with the intent to provide National and Local Real Estate News to Paul\'s Clients, Customers, and other casual contacts.
The document provides an overview of the housing market and real estate topics. It summarizes recent housing data showing continued slow growth in home sales and prices. Mortgage rates remain at historic lows, keeping housing highly affordable. The document also discusses the prime conditions for home buyers, including low prices and rates, motivated sellers, and available financing. It concludes by introducing Keller Williams Realty, the organization that produced the document.
THE STATE BANKS FEELING THE HEAT WEAK HOME SALES, RISING INFLATION RISK, LOAN...Ben Werner
Banks are facing difficulties due to a weak housing market, rising inflation risks, and problems in subprime lending. Short-term interest rates are higher than longer-term rates, an unusual situation called an inverted yield curve that has preceded recessions in the past. Many banks have seen their earnings decline in the first quarter of 2007 compared to the previous year. With tighter lending standards and less demand for loans, banks are becoming more cautious about providing mortgages, which have traditionally been a steady source of income. The housing market slowdown is expected to continue, adding pressure to bank profits.
Agcapita July 2013 - Central Banking's Scylla and CharybdisVeripath Partners
While I believe that eliminating QE is the right thing to do for the long-term health of the economy, the recent equity and bond market declines are but modest harbingers of the unintended short-term consequences that the Fed’s prolonged ZIRP/QE program and its termination will wreak – rollover and convexity risk. These are the proverbial pigeons that will come home to roost if the US Federal Reserve stops its massive bond-buying spree and rates normalize.
NPR's coverage of the 2008 financial crisis aimed to simplify complex economic issues for average listeners. It provided short segments with clear explanations of terminology and context. NPR brought in a variety of credible sources and attempted to show the crisis's impact on everyday citizens. While coverage could have begun sooner, overall NPR's reporting was effective at making complicated financial topics accessible to most audiences.
This document discusses two mental triggers that top loan officers use to increase their commissions and referrals while working less. The triggers are:
1. Creating an "Ethos Effect" where clients perceive the loan officer as a trusted expert who has their best interests in mind.
2. Causing a "Power Shift" where clients no longer see a loan as just rates and fees, but how it can help with bigger goals like retirement or education.
It explains that top producers master triggering these effects to set themselves apart from competitors and reduce rate shopping. The document proposes there is an easy way for other loan officers to quickly create the same trusted advisor perception through a new system.
At the end of 2011, HML was managing nearly one in five of all
arrears cases in the UK. HML’s chief executive Andrew Jones talks
about how the servicing industry has adjusted to the challenges and
how it can help lenders go about their business in the future
The document provides an overview of the housing market and real estate topics. It summarizes recent housing data showing continued slow growth in home sales and prices. Mortgage rates remain at historic lows, keeping housing highly affordable. The document also discusses the prime conditions for home buyers, including low prices and rates, motivated sellers, and available financing. It concludes by introducing Keller Williams Realty, the organization that produced the document.
THE STATE BANKS FEELING THE HEAT WEAK HOME SALES, RISING INFLATION RISK, LOAN...Ben Werner
Banks are facing difficulties due to a weak housing market, rising inflation risks, and problems in subprime lending. Short-term interest rates are higher than longer-term rates, an unusual situation called an inverted yield curve that has preceded recessions in the past. Many banks have seen their earnings decline in the first quarter of 2007 compared to the previous year. With tighter lending standards and less demand for loans, banks are becoming more cautious about providing mortgages, which have traditionally been a steady source of income. The housing market slowdown is expected to continue, adding pressure to bank profits.
Agcapita July 2013 - Central Banking's Scylla and CharybdisVeripath Partners
While I believe that eliminating QE is the right thing to do for the long-term health of the economy, the recent equity and bond market declines are but modest harbingers of the unintended short-term consequences that the Fed’s prolonged ZIRP/QE program and its termination will wreak – rollover and convexity risk. These are the proverbial pigeons that will come home to roost if the US Federal Reserve stops its massive bond-buying spree and rates normalize.
NPR's coverage of the 2008 financial crisis aimed to simplify complex economic issues for average listeners. It provided short segments with clear explanations of terminology and context. NPR brought in a variety of credible sources and attempted to show the crisis's impact on everyday citizens. While coverage could have begun sooner, overall NPR's reporting was effective at making complicated financial topics accessible to most audiences.
This document discusses two mental triggers that top loan officers use to increase their commissions and referrals while working less. The triggers are:
1. Creating an "Ethos Effect" where clients perceive the loan officer as a trusted expert who has their best interests in mind.
2. Causing a "Power Shift" where clients no longer see a loan as just rates and fees, but how it can help with bigger goals like retirement or education.
It explains that top producers master triggering these effects to set themselves apart from competitors and reduce rate shopping. The document proposes there is an easy way for other loan officers to quickly create the same trusted advisor perception through a new system.
At the end of 2011, HML was managing nearly one in five of all
arrears cases in the UK. HML’s chief executive Andrew Jones talks
about how the servicing industry has adjusted to the challenges and
how it can help lenders go about their business in the future
This document provides an overview and analysis of key real estate market indicators in April 2010. It discusses existing home sales increasing for the second straight month to 5.77 million units due to improved buyer confidence and low mortgage rates. The median home price rose 2.1% year-over-year to $173,100, with distressed home sales continuing to slightly skew prices downward. Housing inventory increased slightly while mortgage rates dipped below 5% due to global economic factors. Affordability remains high relative to historical averages. The FHA is shifting responsibility for monitoring brokers to lenders to improve risk management.
This 4000 square foot home in Avon, Ohio includes an indoor swimming pool, a large kitchen, and a 900 square foot detached cottage. It is listed for $3161502 and includes details on the real estate agent listing the property.
This Month in Real Estate, September 2001, is brought to you by Paul W. Drury, Real Estate Broker with Keller Williams Realty Greater Cleveland West. It is a collection of national news, information, and statistics as well as information specific to the North Central Ohio Region between Lakewood and Sandusky and south to the Lodi / Ashland Area.
The document summarizes the mission and activities of the UK Medical Research Council (MRC). The MRC aims to support high-quality health research, train researchers, and disseminate knowledge to improve lives and economic competitiveness in the UK and worldwide. It focuses on areas like neuroscience, mental health, infections, aging, and uses approaches such as clinical trials, epidemiology, and stem cell and regenerative medicine research.
One of the UK’s most successful and professional Search & Selection Recruitment Consultancies.
Our consultants have diverse expertise in dealing with candidates at every level from CEO’s to mid-level management. We support our clients to make major key appointments, with unparalleled talent due to our exceptional screening and recommendation process. Taking pride in supporting our clients through our proactive and dedicated process, with an honest and respectable approach.
Our objectives are to work in synergy with our client’s processes and advise a diverse client base across major Blue Chip & SME companies in major FMCG market sectors.
List all the advantages of purchasing foreclosed homes as an inves.docxsmile790243
List all the advantages of purchasing foreclosed homes as an investment and fully explain why each is an advantage? Then, list all the disadvantages of purchasing foreclosed homes as an investment and fully explain why each is a disadvantage?
Do you feel that the reward will outweigh the risk? Explain why or why not.
In order to score points you need to complete the assigned reading and answer the question from the reading assignment. Please feel free to do additional research on the topic. But, in all circumstances, make certain you document your source(s) of information.
You may certainly disagree with what is in the assigned reading/video, but you must reference where you obtained your information, your opinion on the topic, and why you disagree. Just writing your opinion on a topic without doing the reading assignment will score you zero (0) points.
REAL ESTATE
Findin
SOLI
Spotting
investment
opportunities
n a tough real
estate market
IT HAPPENED \/yiTHOUT A SOUND. IF
only it were possible to hear the real es-
tate bubble burst, then maybe the down-
turn in the housing market wouldn't have
caught quite so many people off guard.
And the outlook remains rather grim. At the current rate, it
would take nearly a year to sell all of the unsold homes that dot
the nation's landscape. It's a real worry for homeowners thinking
about the basic economics of the situation: The giut of supply wiíl
only continue to depress home prices. Indeed, the residential
real estate market is on shaky ground.
All of this has made it challenging for real estate investors look-
ing for stability. Many homeowners who were unable to sell their
homes have unexpectedly become landlords. At the same time,
owners of investment properties have been rejiggering their
approach to evaluating investment options. With a slew of former
homeowners entering the rental market, many landlords are able
to demand higher rents.
Take Patrice andjohn Hopkins who have owned investment
properties since March of 2005 and done quite well. A year ago,
the couple pocketed a $45.000 profit from the sale of a 2.3-acre
By Kemhaj. Dunham
80 AUGUST 2008 : BLACK ENTERPRISE : V Í̂V Í̂Vki.BLACKENTERPRISE.COM
THE HOPKINS FAMILY
WANTS TO EXPAND THEIR
REAL ESTATE INVESTMENTS.
piece of land in Fredericksburg, Virginia, that they'd purchased
a year earlier. The parents of two daughters—Amari. 8, and
Alexandra, 2—they are ready to reinvest. But now that the housing
market has taken a hit, the couple is moving with caution.
Actually the couple would like to undertake a rather big
project. They're looking to purchase as many as 10 townhomes
that they will rent out. Patrice and Joh n, who reside in Triangle,
Virginia, and have an annual household income of $225,000,
want to spend no more than $130.000 per property. They're
also weighing participation in the federal governments Hous-
ing Choice Voucher Program (often referred to as Section 8),
which allows low-income families to lease affo ...
U.S Financial Crisis 2008, root cause analysisThuy Tran
The document summarizes how the financial crisis occurred through the mortgage market. It discusses how brokers connected lenders and home buyers, how mortgages were bundled into securities (CDOs) and sold to investors, and how the overuse of risky subprime mortgages and securitization led to a housing bubble. As home prices declined and mortgages defaulted, the value of CDOs declined causing losses for investors. A combination of factors like low interest rates, risky lending, and the use of leverage exacerbated the crisis.
Monthly real estate newsletter featuring national and local trends from North central Ohio. National news by Keller Williams Realty International and local trends by Paul W. Drury
A detailed presentation concerning the National real estate market by Keller Williams Realty and the local North Central Ohio real estate market by Paul W. Drury.
This document provides an overview of the current housing market and advice for home buyers. Key points include:
- The housing market today is very different than in 2008 during the recession, with more moderate home price increases, tighter lending standards, and low housing inventory.
- For buyers, now is a good time to purchase a home due to historically low mortgage rates expected to remain low through 2021 and modest projected price appreciation.
- Technology is enabling more aspects of the home buying process to be done virtually, from initial consultations to signing and closing documents, in light of the pandemic.
- It's important for buyers to work with a real estate professional to navigate the complex home buying process and leverage their expertise
Detailed National and North Central Ohio Market snapshot newsletter. National news brought to you by Keller Williams Realty and local news by Paul W. Drury
The document summarizes key real estate market trends in Canada from December 2009. Home sales increased 72% year-over-year in December, while the average home price rose 19% to $337,410 nationally. Inventory levels also increased from the previous year, but remained low overall indicating a strong seller's market. Mortgage rates remained low at 5.49% for a 5-year fixed rate, supporting buyer demand. The document also discusses recent economic events and provides tips for home buyers in competitive bidding situations.
This document provides an overview of the winter 2021 housing market. It discusses how mortgage rates are low, buying a home is more affordable than renting, and home equity and prices are rising. Experts forecast home prices will continue appreciating in 2021 due to high demand and low inventory. The document advises that it may be an ideal time for those ready to buy a home, given the strong real estate recovery and economic factors favoring homeownership.
This document provides an overview of the winter 2021 housing market. It discusses how mortgage rates are low, buying a home is more affordable than renting, and home equity and prices are rising. Experts forecast home prices will continue appreciating in 2021 due to high demand and low inventory. The document encourages readers to buy now before rates increase and advises connecting with a real estate professional to discuss options.
This document provides information to help homebuyers in the winter of 2021. It discusses why one shouldn't wait until spring to buy, how the meaning of homeownership has changed, and the expert forecast for the winter housing market. Key reasons to buy now include low mortgage rates, home prices appreciating, and buying being more affordable than renting. The document also outlines steps to take if wanting to buy a home, including learning budget and costs, saving for down payments, and how down payment assistance programs can help with affordability.
The August 2011 Real Estate newsletter published for North Central Ohio. National US Real Estate News provided by Keller Williams Realty with regional news, information, and market statistics provided by Paul W. Drury of Greater Cleveland West.
This Month in Real Estate, August 2011, as published by Paul W. Drury is a compilation of news, analysis, and information for the National Real Estate markets and provided by Keller Williams Realty International and the regional North Central Ohio news and stats provided by Paul W. Drury, of Greater Cleveland West, A Keller Williams Realty Franchise.
- The housing market continues its gradual recovery without government assistance like tax credits, while interest rates hit new lows but have started rising as the economy improves. Consumer confidence and retail sales are up substantially from last year.
- Home sales dipped slightly in October but pending sales rose over 10%, signaling stronger future sales. Inventory fell as prices stabilized near 1% changes. Affordability remains near record highs.
- The government extended conforming loan limits in expensive markets to provide continued support through 2011 as the market strengthens without as much assistance. Overall the document discusses positive economic and housing market trends.
Things to Consider When Buying a Home (Fall 2021) | KM Realty Group ChicagoTammy Jackson
This “Buyer Guide” will give you powerful marketing materials to share with clients, and help you simply and effectively explain the current market opportunities to potential buyers.
We Make Real Estate Buying and Selling Easy.
https://kmrealtygroup.net/
Let's connect with a real estate professional to discuss your home buying or selling process. https://bit.ly/connect-km-realty
1) Canada's economy remains stronger than other major economies and home to a solid housing market, thanks to prudent lending and borrowing.
2) While home sales and prices increased over the last year, experts expect the market to stabilize and appreciate at a slower pace as interest rates rise.
3) Canadian homeowners are well positioned to handle rising interest rates due to high equity and historically low mortgage rates in the past decade.
This document provides an overview and analysis of key real estate market indicators in April 2010. It discusses existing home sales increasing for the second straight month to 5.77 million units due to improved buyer confidence and low mortgage rates. The median home price rose 2.1% year-over-year to $173,100, with distressed home sales continuing to slightly skew prices downward. Housing inventory increased slightly while mortgage rates dipped below 5% due to global economic factors. Affordability remains high relative to historical averages. The FHA is shifting responsibility for monitoring brokers to lenders to improve risk management.
This 4000 square foot home in Avon, Ohio includes an indoor swimming pool, a large kitchen, and a 900 square foot detached cottage. It is listed for $3161502 and includes details on the real estate agent listing the property.
This Month in Real Estate, September 2001, is brought to you by Paul W. Drury, Real Estate Broker with Keller Williams Realty Greater Cleveland West. It is a collection of national news, information, and statistics as well as information specific to the North Central Ohio Region between Lakewood and Sandusky and south to the Lodi / Ashland Area.
The document summarizes the mission and activities of the UK Medical Research Council (MRC). The MRC aims to support high-quality health research, train researchers, and disseminate knowledge to improve lives and economic competitiveness in the UK and worldwide. It focuses on areas like neuroscience, mental health, infections, aging, and uses approaches such as clinical trials, epidemiology, and stem cell and regenerative medicine research.
One of the UK’s most successful and professional Search & Selection Recruitment Consultancies.
Our consultants have diverse expertise in dealing with candidates at every level from CEO’s to mid-level management. We support our clients to make major key appointments, with unparalleled talent due to our exceptional screening and recommendation process. Taking pride in supporting our clients through our proactive and dedicated process, with an honest and respectable approach.
Our objectives are to work in synergy with our client’s processes and advise a diverse client base across major Blue Chip & SME companies in major FMCG market sectors.
List all the advantages of purchasing foreclosed homes as an inves.docxsmile790243
List all the advantages of purchasing foreclosed homes as an investment and fully explain why each is an advantage? Then, list all the disadvantages of purchasing foreclosed homes as an investment and fully explain why each is a disadvantage?
Do you feel that the reward will outweigh the risk? Explain why or why not.
In order to score points you need to complete the assigned reading and answer the question from the reading assignment. Please feel free to do additional research on the topic. But, in all circumstances, make certain you document your source(s) of information.
You may certainly disagree with what is in the assigned reading/video, but you must reference where you obtained your information, your opinion on the topic, and why you disagree. Just writing your opinion on a topic without doing the reading assignment will score you zero (0) points.
REAL ESTATE
Findin
SOLI
Spotting
investment
opportunities
n a tough real
estate market
IT HAPPENED \/yiTHOUT A SOUND. IF
only it were possible to hear the real es-
tate bubble burst, then maybe the down-
turn in the housing market wouldn't have
caught quite so many people off guard.
And the outlook remains rather grim. At the current rate, it
would take nearly a year to sell all of the unsold homes that dot
the nation's landscape. It's a real worry for homeowners thinking
about the basic economics of the situation: The giut of supply wiíl
only continue to depress home prices. Indeed, the residential
real estate market is on shaky ground.
All of this has made it challenging for real estate investors look-
ing for stability. Many homeowners who were unable to sell their
homes have unexpectedly become landlords. At the same time,
owners of investment properties have been rejiggering their
approach to evaluating investment options. With a slew of former
homeowners entering the rental market, many landlords are able
to demand higher rents.
Take Patrice andjohn Hopkins who have owned investment
properties since March of 2005 and done quite well. A year ago,
the couple pocketed a $45.000 profit from the sale of a 2.3-acre
By Kemhaj. Dunham
80 AUGUST 2008 : BLACK ENTERPRISE : V Í̂V Í̂Vki.BLACKENTERPRISE.COM
THE HOPKINS FAMILY
WANTS TO EXPAND THEIR
REAL ESTATE INVESTMENTS.
piece of land in Fredericksburg, Virginia, that they'd purchased
a year earlier. The parents of two daughters—Amari. 8, and
Alexandra, 2—they are ready to reinvest. But now that the housing
market has taken a hit, the couple is moving with caution.
Actually the couple would like to undertake a rather big
project. They're looking to purchase as many as 10 townhomes
that they will rent out. Patrice and Joh n, who reside in Triangle,
Virginia, and have an annual household income of $225,000,
want to spend no more than $130.000 per property. They're
also weighing participation in the federal governments Hous-
ing Choice Voucher Program (often referred to as Section 8),
which allows low-income families to lease affo ...
U.S Financial Crisis 2008, root cause analysisThuy Tran
The document summarizes how the financial crisis occurred through the mortgage market. It discusses how brokers connected lenders and home buyers, how mortgages were bundled into securities (CDOs) and sold to investors, and how the overuse of risky subprime mortgages and securitization led to a housing bubble. As home prices declined and mortgages defaulted, the value of CDOs declined causing losses for investors. A combination of factors like low interest rates, risky lending, and the use of leverage exacerbated the crisis.
Monthly real estate newsletter featuring national and local trends from North central Ohio. National news by Keller Williams Realty International and local trends by Paul W. Drury
A detailed presentation concerning the National real estate market by Keller Williams Realty and the local North Central Ohio real estate market by Paul W. Drury.
This document provides an overview of the current housing market and advice for home buyers. Key points include:
- The housing market today is very different than in 2008 during the recession, with more moderate home price increases, tighter lending standards, and low housing inventory.
- For buyers, now is a good time to purchase a home due to historically low mortgage rates expected to remain low through 2021 and modest projected price appreciation.
- Technology is enabling more aspects of the home buying process to be done virtually, from initial consultations to signing and closing documents, in light of the pandemic.
- It's important for buyers to work with a real estate professional to navigate the complex home buying process and leverage their expertise
Detailed National and North Central Ohio Market snapshot newsletter. National news brought to you by Keller Williams Realty and local news by Paul W. Drury
The document summarizes key real estate market trends in Canada from December 2009. Home sales increased 72% year-over-year in December, while the average home price rose 19% to $337,410 nationally. Inventory levels also increased from the previous year, but remained low overall indicating a strong seller's market. Mortgage rates remained low at 5.49% for a 5-year fixed rate, supporting buyer demand. The document also discusses recent economic events and provides tips for home buyers in competitive bidding situations.
This document provides an overview of the winter 2021 housing market. It discusses how mortgage rates are low, buying a home is more affordable than renting, and home equity and prices are rising. Experts forecast home prices will continue appreciating in 2021 due to high demand and low inventory. The document advises that it may be an ideal time for those ready to buy a home, given the strong real estate recovery and economic factors favoring homeownership.
This document provides an overview of the winter 2021 housing market. It discusses how mortgage rates are low, buying a home is more affordable than renting, and home equity and prices are rising. Experts forecast home prices will continue appreciating in 2021 due to high demand and low inventory. The document encourages readers to buy now before rates increase and advises connecting with a real estate professional to discuss options.
This document provides information to help homebuyers in the winter of 2021. It discusses why one shouldn't wait until spring to buy, how the meaning of homeownership has changed, and the expert forecast for the winter housing market. Key reasons to buy now include low mortgage rates, home prices appreciating, and buying being more affordable than renting. The document also outlines steps to take if wanting to buy a home, including learning budget and costs, saving for down payments, and how down payment assistance programs can help with affordability.
The August 2011 Real Estate newsletter published for North Central Ohio. National US Real Estate News provided by Keller Williams Realty with regional news, information, and market statistics provided by Paul W. Drury of Greater Cleveland West.
This Month in Real Estate, August 2011, as published by Paul W. Drury is a compilation of news, analysis, and information for the National Real Estate markets and provided by Keller Williams Realty International and the regional North Central Ohio news and stats provided by Paul W. Drury, of Greater Cleveland West, A Keller Williams Realty Franchise.
- The housing market continues its gradual recovery without government assistance like tax credits, while interest rates hit new lows but have started rising as the economy improves. Consumer confidence and retail sales are up substantially from last year.
- Home sales dipped slightly in October but pending sales rose over 10%, signaling stronger future sales. Inventory fell as prices stabilized near 1% changes. Affordability remains near record highs.
- The government extended conforming loan limits in expensive markets to provide continued support through 2011 as the market strengthens without as much assistance. Overall the document discusses positive economic and housing market trends.
Things to Consider When Buying a Home (Fall 2021) | KM Realty Group ChicagoTammy Jackson
This “Buyer Guide” will give you powerful marketing materials to share with clients, and help you simply and effectively explain the current market opportunities to potential buyers.
We Make Real Estate Buying and Selling Easy.
https://kmrealtygroup.net/
Let's connect with a real estate professional to discuss your home buying or selling process. https://bit.ly/connect-km-realty
1) Canada's economy remains stronger than other major economies and home to a solid housing market, thanks to prudent lending and borrowing.
2) While home sales and prices increased over the last year, experts expect the market to stabilize and appreciate at a slower pace as interest rates rise.
3) Canadian homeowners are well positioned to handle rising interest rates due to high equity and historically low mortgage rates in the past decade.
After a record 31% increase in home prices in June, prices were flat in July though sales increased significantly. Three key factors driving the market - low inventory, low mortgage rates, and high investor activity - have changed, cooling the once red-hot market. Inventory is rising slowly as more homeowners list and new construction comes online. Mortgage rates have risen from 3.5% to 4.5% in two months and are expected to continue climbing. Cash investors, who previously outbid loan-reliant buyers, are less active as appraisals now support higher prices and large investors seek stronger returns elsewhere. The market remains seller-favored but price growth will slow as demand softens from higher rates and prices.
Things to consider if you are selling your house:
1. Wait until spring if you want higher prices, but this spring may be different due to a large increase in foreclosures flooding the market which could lower prices.
2. Experts predict housing prices will drop 5-7% in the next few months due to the high level of shadow inventory (homes not yet on the market but will be through foreclosures).
3. Renting your home instead of selling may bring in income but comes with significant expenses and responsibilities as a landlord that require preparation.
Things to Consider When Buying a Home - Summer 2023 EditionTom Blefko
Buying a new home can be a complicated process. This guide will inform you and answer many of your questions about buying a home in the Summer of 2023.
Should I Short Sale My Home eBook by Harris and Chen. Information regarding Short Sale to avoid foreclosure. How to get out of upside down homes bought at the peak real estate market.
This document provides strategies and recommendations for real estate investing during the COVID-19 pandemic. It discusses removing fear through gratitude, current market conditions like low interest rates and stimulus funding, and opportunities for buying discounted wholesale properties and converting Airbnbs to long-term rentals. The document also outlines strategies for selling primary homes or investment properties using virtual tools and offers to connect investors with hard money lenders. Overall, it presents an optimistic view of the real estate market's historical resilience and encourages investors to have short-term plans while taking advantage of low rates.
Florida Housing Industry Offer Fantastic Pricesjazzybaby4843
The housing market is experiencing a downturn with many people losing their homes or jobs from 2007 to 2010. Fast home sales companies will buy properties and offer quick sales without fees across the UK. Experts agree the downturn will continue, though housing activity may increase again eventually. It is important for homeowners to research options like inspections before deciding to sell, and ensure a profitable deal can be made. The government forced banks to spend $25 billion to help those affected by the US housing bubble crisis.
The document provides commentary and data on the US housing market in mid-2011. It summarizes key metrics driving the real estate market including home sales, prices, inventory, mortgage rates, and affordability. It also outlines recent government actions and provides tips for home buyers, sellers, and owners. Finally, it provides information about Keller Williams Realty and local real estate agent Paul Drury.
This Month in Real Estate - May 2011 May 2011pdrury
May 2011 issue of This Month in Real Estate. National News by Keller Williams Realty and North Central Ohio regional / local news by Paul W. Drury of Greater Cleveland West
The document provides commentary on recent trends in the US housing market. It discusses how home sales have risen above year-ago levels for the first time since the home buyer tax credit expired, indicating continued recovery without government support. It also notes that while home prices softened slightly in January due to higher distressed home sales, mortgage rates and prices remain favorable for buyers. Housing inventory continues to decline while months of housing supply dropped to its lowest level in over a year. The document also summarizes upcoming increases to Federal Housing Administration mortgage insurance premiums.
The housing market continues its gradual recovery without stimulus from tax credits. Home sales increased 10% in September while prices declined slightly due to more distressed sales. Housing inventory and mortgage rates remain at historically low levels, keeping housing highly affordable. Recent issues with foreclosures, known as the "robo-signing" scandal, have led to a temporary moratorium on foreclosures in some states as the issues are addressed. Despite short-term challenges, experts believe the housing market recovery is on track.
The document discusses recent housing market trends and government actions. It provides data on home sales, prices, inventory, mortgage rates, and affordability. Recent government action extended the homebuyer tax credit deadline. Topics for home buyers, sellers, and owners include real estate investing opportunities and working with a local Keller Williams agent to understand the local market.
The document provides an overview of recent real estate market indicators and government actions in 3 paragraphs:
Paragraph 1 summarizes home sales numbers, median home prices, and inventory levels from December 2009. It notes a dip in home sales after the first-time homebuyer tax credit deadline but that sales remain above year-ago levels.
Paragraph 2 discusses the FHA tightening lending requirements by raising insurance fees, capping seller contributions, and requiring higher down payments for borrowers with poor credit starting in summer 2010. These changes aim to protect the FHA from needing taxpayer funds.
Paragraph 3 covers steps the government has taken to streamline the modification process and help foreclosures sell faster through an FHA policy change
House for sale. Exquisite 2700 sq ft Avon Ranch with over 1000 sq ft of unfinished 2nd floor available.Inground pool, spacious, extra bathrooms, and a full basement with extra high ceilings.
10 This Month In Real Estate October2009 Pwdpdrury
This document provides a summary and commentary on the housing market from Keller Williams Research for October 2009. It discusses positive signs in the broader economy while noting challenges remain in housing from high foreclosure rates. The tax credit for first-time home buyers and Federal Reserve mortgage purchases are helping but their effects may be diminishing. Normalizing the housing inventory through price stabilization across the country is key to a sustained recovery. Data shows home sales dipped in August while prices, inventory, and mortgage rates all moved modestly.
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.AnnySerafinaLove
This letter, written by Kellen Harkins, Course Director at Full Sail University, commends Anny Love's exemplary performance in the Video Sharing Platforms class. It highlights her dedication, willingness to challenge herself, and exceptional skills in production, editing, and marketing across various video platforms like YouTube, TikTok, and Instagram.
How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....Lacey Max
“After being the most listed dog breed in the United States for 31
years in a row, the Labrador Retriever has dropped to second place
in the American Kennel Club's annual survey of the country's most
popular canines. The French Bulldog is the new top dog in the
United States as of 2022. The stylish puppy has ascended the
rankings in rapid time despite having health concerns and limited
color choices.”
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...my Pandit
Explore the fascinating world of the Gemini Zodiac Sign. Discover the unique personality traits, key dates, and horoscope insights of Gemini individuals. Learn how their sociable, communicative nature and boundless curiosity make them the dynamic explorers of the zodiac. Dive into the duality of the Gemini sign and understand their intellectual and adventurous spirit.
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This PowerPoint compilation offers a comprehensive overview of 20 leading innovation management frameworks and methodologies, selected for their broad applicability across various industries and organizational contexts. These frameworks are valuable resources for a wide range of users, including business professionals, educators, and consultants.
Each framework is presented with visually engaging diagrams and templates, ensuring the content is both informative and appealing. While this compilation is thorough, please note that the slides are intended as supplementary resources and may not be sufficient for standalone instructional purposes.
This compilation is ideal for anyone looking to enhance their understanding of innovation management and drive meaningful change within their organization. Whether you aim to improve product development processes, enhance customer experiences, or drive digital transformation, these frameworks offer valuable insights and tools to help you achieve your goals.
INCLUDED FRAMEWORKS/MODELS:
1. Stanford’s Design Thinking
2. IDEO’s Human-Centered Design
3. Strategyzer’s Business Model Innovation
4. Lean Startup Methodology
5. Agile Innovation Framework
6. Doblin’s Ten Types of Innovation
7. McKinsey’s Three Horizons of Growth
8. Customer Journey Map
9. Christensen’s Disruptive Innovation Theory
10. Blue Ocean Strategy
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Tmire Nov2010
1. Commentary 2
h b h i l
Released:
The Numbers That Drive Real Estate 3
Recent Government Action 9
Topics for Home Buyers Sellers and Owners 11
November 7, 2010
Topics for Home Buyers, Sellers, and Owners 11
Brought to you by:
KW Research
2. Commentary
The housing market continues its gradual recovery without the aid of the tax credit.
Sales are slower but growing. Although it will likely be uneven at times, slow growth is g g g y , g
believed to be the trend moving forward. Interest rates hit a new historic low again, a
major factor in helping keep mortgage payments incredibly affordable.
Extended periods of record low interest rates and further plans from the Federal Reserve
Board to expedite recovery have some concerned about future inflation. One such
investment guru, John Paulson, touted the benefits of owning real estate as a hedge g , , g g
against inflation on Forbes.com. “Your debt and interest payments get locked in at
record lows, while the price of your home will rise … If you don’t own a home buy one …
if you own one home, buy another one, and if you own two homes, buy a third and lend
your relatives the money to buy a home.”
This march back up continues to provide excellent opportunities: an ample selection of
h ff d bl i d hi t i ll l i t t t E t ti i t b th thhomes, affordable prices, and historically low interest rates. Experts anticipate both the
economy and the housing market will continue their paths on the way to a complete
recovery.
KW Research 2
5. Home Price
In ThousandsIn Thousands
After four months of prices remaining on par with year‐ago levels, September showed a slight
decline Last September distressed properties were 29% of all home sales; this September thatdecline. Last September distressed properties were 29% of all home sales; this September that
number rose to 35%. The larger proportion of distressed sales, which are typically discounted,
helps to explain the decline. While these discounted sales provide opportunities for buyers, sellers
look forward to the general trending upward of home price.
KW Research 5
Latest Data Release: October 25, 2010
Source: National Association of Realtors
6. Inventory ‐
In Millions
Number of homes available for sale
In Millions
There are fewer homes on the market again in September, representing 10.7 months of inventory.
While still at a relatively high level months of inventory shrank by nearly a month in SeptemberWhile still at a relatively high level, months of inventory shrank by nearly a month in September
from August’s 11.6 and nearly two months since the 12.5‐month supply in July. This continues to
represent an excellent opportunity for buyers and investors who have not yet taken advantage of
the abundant opportunities of the market including record low rates, an ample but shrinking
selection of homes, and highly affordable prices.
KW Research 6
Latest Data Release: October 25, 2010
Source: National Association of Realtors
7. Mortgage Rates
30‐Year Fixed
Mortgage rates once again set new record lows in early October to 4.19% and remained
below 4 3% throughout the month These historically low rates contributed to real savings
30 Year Fixed
below 4.3% throughout the month. These historically low rates contributed to real savings
for buyers. Furthermore, the longer the buyer owns the home, the greater the savings
they will realize. As economic activity gains momentum, rates will rise to keep inflation at
an acceptable level
30‐Year Average – 8.90%
an acceptable level.
1‐Year Average – 4.75%
KW Research 7Source: Freddie Mac
9. Recent Recent Foreclosure Concerns 10
Government Action
Recent Foreclosure Concerns 10
Brought to you by:
KW Research
10. Recent Foreclosure Concerns
Robo‐Signing Scandal ExplainedRobo Signing Scandal Explained
A newfound set of issues with foreclosures, often referred to as the robo‐signing scandal, has
received considerable attention in the media recently. So what do we really need to know?
• The scandal erupted when employees at the nation’s largest loan servicing companies admitted
to fraudulently signing or forging thousands of documents related to foreclosure proceedings,
without knowledge of the documentationwithout knowledge of the documentation.
• Many lenders have agreed to a temporary moratorium on the sale of bank‐owned properties,
while halting current foreclosure proceedings. Although some lenders halted foreclosures in all
states, this is predominantly the case in states where a judge’s approval is required to foreclose. , p y j g pp q
• The scandal is generally considered procedural in nature, stemming from an avoidance due
process. Actual debt amounts and delinquencies that would have warranted foreclosure
proceedings have not been called into question.
• While the timeframe for resolution of the current situation is not known, lenders and regulators
are assessing the situation as quickly as possible to assure borrowers that their rights will be
protected, as well as buyers of bank‐owned properties that a clear title will be conveyed.
A lt f th t t i f th ti ’ l t b k h d t d• As a result of the current moratorium, many of the nation’s largest banks have devoted
additional resources into the processing of short sales and loan modifications.
KW Research 10Sources: cnnmoney.com, wsj.com, washingtonpost.com, CitiGroup Global Markets “Foreclosures Gone Wild” Oct 12, 2010
12. Prime Time to Buy
7 Reasons Why Now Is a Great Time to Buy a Home7 Reasons Why Now Is a Great Time to Buy a Home
Recent history has reframed some of what had long been taken for granted
about buying a home Namely we’ve learned that even though buying a homeabout buying a home. Namely, we ve learned that even though buying a home
remains one of the best and safest investments available, a home should not
function as an ATM or a short‐term speculation strategy. So, where does that
leave us? A lot smarter able to recognize an opportunity when we see one andleave us? A lot smarter, able to recognize an opportunity when we see one, and
aware of the facts that point to now as the prime time to buy a home.
1.Home affordability is at an all‐time high. The median mortgage payment on
the median‐priced home, as a percentage of the median household income, is
lower than it’s been in a generation.
2 Mortgage rates are at rock bottom It’s hard to imagine interest rates going2.Mortgage rates are at rock bottom. It s hard to imagine interest rates going
much lower, and when they start to inch back upward, monthly payments and
total loan costs will spike upward.
3 H i b k h i Af d li i f 30 h h i3.Home prices are back on the rise. After declining for 30 months, home prices
are trending back upward. The time to get in the market is now.
KW Research 12
13. Prime Time to Buy (cont’d)
7 Reasons Why Now Is a Great Time to Buy a Home7 Reasons Why Now Is a Great Time to Buy a Home
4. Sellers are motivated. This means that buyers have the upper hand. Sellers4. Sellers are motivated. This means that buyers have the upper hand. Sellers
are fiercely competing among an excess of housing inventory, which often
means buyers have untold choices and negotiating power.
5 Fi i i dil il bl B k b k i th d d t l d5. Financing is readily available. Banks are back in the game and ready to lend
to well‐qualified buyers.
6. Owning vs. renting is increasingly favorable. Since 2009, the average
principal and interest payment has fallen below the average rental rates, and
the gap is now wider than it’s been in the past 22 years.
7 Homeownership is still at the core of the American Dream Owning a home7. Homeownership is still at the core of the American Dream. Owning a home
is critical to financial stability and wealth building. It’s a forced savings
account, a place to live, and a fabulous tax deduction.
For more detail, check out Keller Williams Realty’s 7 Reasons Why Now Is a
Great Time to Buy a Home! and The Wall Street Journal’s 10 Reasons to Buy a
Home.
KW Research 13
14. Your Local Market
Alth h it i i t t t t i f d b t h t i i i th ti lAlthough it is important to stay informed about what is going on in the national
economy and housing market, many different factors impact the real estate
market in your own area.
Talk to your KW associate for assistance interpreting theTalk to your KW associate for assistance interpreting the
conditions in your local market.
KW associates are equipped with the knowledge and information to help you
navigate through the home‐buying or selling process in this challenging market.navigate through the home buying or selling process in this challenging market.
The following is a snapshot of the primary local market where Paul Drury
services
KW Research 14
services.
16. Number of Homes “in play”Number of Homes in play
KW Research 16
17. Avg Price per sq ftAvg Price per sq ft
KW Research 17
18. Sold to List Price ComparisonSold to List Price Comparison
KW Research 18
19. Avg Price For Sale VS SoldAvg Price For Sale VS Sold
KW Research 19
20. About Keller Williams Realty
Founded in 1983, Keller Williams Realty, Inc., is an international real estate
company with more than 81 000 associates and 686 offices across the Unitedcompany with more than 81,000 associates and 686 offices across the United
States and Canada. The company began franchising in 1991 and, after years of
phenomenal growth and success, became the third‐largest U.S. residential real
estate firm in 2009estate firm in 2009.
The company has succeeded by treating its associates as partners and sharing
its knowledge, policy control, and company profits on a system‐wide basis.
By focusing on helping associates realize their fullest potential, Keller Williams
Realty is known as an industry leader in its family culture, unmatched
education profit sharing business model phenomenal coaching program andeducation, profit sharing business model, phenomenal coaching program, and
technology offerings.
www.kw.com
KW Research 20
21. About Paul W. Druryy
• Originally licensed as an agent in Ohio in 1986, Paul began with
Lehman Johnson Real Estate in Elyria He acquired his Real EstateLehman Johnson Real Estate in Elyria. He acquired his Real Estate
Brokerage License in 1992 and became an Associate broker with West
Shore Realty. In 1995 he moved his brokerage license to Continental
Realty Investment where he began to focus on additional work withRealty Investment where he began to focus on additional work with
commercial and investment real estate. During these years he also
performed professional appraisals with The Appraisal House.
• In 2001 he began Drury Realty Consulting and worked as an
independent Real Estate Consultant and worked on his own until 2009
when he joined Keller Williams Realty Greater Cleveland West “Beingwhen he joined Keller Williams Realty, Greater Cleveland West. Being
a part of the Keller family provides me with tools and serves
unachievable strictly on my own, provides me with the tools and
networking of a huge national network while still enabling me to worknetworking of a huge national network, while still enabling me to work,
act, and function as the manager of my own business. It’s the best of
both worlds.” – Paul
KW Research 21
• Paul's Home Page
22. What we have to offer sellers
• Sellers now have access to tools unimaginable just a few
years earlier Keller Williams Realty doesn’t spend valuableyears earlier. Keller Williams Realty doesn t spend valuable
resources promoting its own name. Instead it puts
resources into the best tools and resources for education
and training, providing the highest quality real estate
professionals into local communities.
• Properties put up for sale by Paul are also listed in KWLS a• Properties put up for sale by Paul are also listed in KWLS, a
national MLS, implemented by Keller Williams, now the
2nd largest company in the US; local MLS; NEOHREX
(Northern Ohio Real Estate Exchange); and on national
sites such as Trulia, Zillow, CyberHomes, and others.
• Free Real Estate Informational Webinars available by• Free Real Estate Informational Webinars available by
logging onto this link… http://budurl.com/druryvideos
KW Research 22
23. What we have to offer sellers ( Cont’d)
• Other tools brought to bear by Paul include branding using
i b dd ith i t l t th t bunique web addresses with a virtual tour that can be
emailed or the link can posted anywhere, to include Craig’s
List and Back Page Recent homes soldList and Back Page. Recent homes sold.
– 37101 Hunter’s Trail in Avon – http://37101hunterstrail.com
– 2815 West River Road South in Elyria – http://2815WRiverRdS.com
• Not Planning to sell in the near future?
– Would you still like to monitor what is happening in your
neighborhood or area?
– Contact Paul now for a free periodic market update No cost NoContact Paul now for a free periodic market update. No cost. No
obligation.
KW Research 23
24. Properties currently for saleope t es cu e t y o sa e
• Properties currently for sale:
330 S d A– 3307 Sandy Lane in Avon – http://3307SandyLn.com
– 19593 Whitehead Road in Wellington ‐ http://19593whiteheadrd.com/
– 13951 Diagonal Road in Lagrange – http://13951DiagonalRd.com
– 1 Grover Court in Grafton – http://1groverct.com
– 416 Winckles Street in Elyria – http://416wincklesst.com
– 149 Woodview Drive in Elyria – http://149woodviewdr.comy p //
• Would you like to see one of these homes? Click on the link
for a visual tour.
• Would you like your home or property promoted like• Would you like your home or property promoted like
these?
– Contact Paul for a free, no obligation, consultation today g y
at 440‐385‐5650.
KW Research 24
25. What we have to offer buyersy
• Buyers of Real Estate also have access to tools
i i bl j t f b f Si K ll Williunimaginable just a few years before. Since Keller Williams
doesn’t spend its money promoting its own name, it puts
its resources into providing the best tools and resources toits resources into providing the best tools and resources to
its systems, education, and training, thus providing the
most professional real estate team members back into the
communities.
• Free Real Estate Informational Webinars available by
logging onto this link… http://budurl.com/druryvideos
• If you wish to conduct your own Multiple Listing Home
Searches, you may do so using this link….
http://bit.ly/aDE5XP
KW Research 25
26. What we have to offer buyers (Cont’d)
• Buyers can access Paul’s website at www.druryrealty.com
d d h i h ll h iand conduct their own searches as well as create their own
search profiles for searching for properties anywhere in
Ohio If relocating out of Ohio Keller Williams offers one ofOhio. If relocating out of Ohio, Keller Williams offers one of
the finest relocation referral networks in the nation.
Greater Cleveland West now sells more properties than any
other office in the entire regional MLS.
• Paul’s website is easy to manage and he can set up search• Paul s website is easy to manage and he can set up search
profiles for you so you get notified at about 8:30 am of any
new properties that come available. He also has profiles set p p p
up on national websites such as Trulia providing for
greater access to search tools. http://bit.ly/aDE5XP
KW Research 26
p y
27. Investors & Shoppers – Foreclosure Watchpp
• Are you shopping for the deal of a century for your
h ?new home?
• Are you in the market to buy a home at a steep
d d d f d “fl ”discount and try and fix it up and “flip it”?
• Are you looking for a home for someone else?
• Want to know what is happening in your marketplace?
• Send Paul an email today and request free market y q
updates at paul@druryrealty.com
• Call Paul directly at 440‐385‐5650.y
• No cost. No commitments. No obligations. No fuss. No
kidding.
KW Research 27
g
28. Follow Paul’s Real Estate updates online…p
Home Web Page On Twitter
• www.druryrealty.com
On Zillow
• ‐ www.twitter.com/PaulWDrury
On FaceBookO o
• www.zillow.com/profile/PaulWDrury
On Trulia
• ‐ www.facebook.com/paul.w.drury
On LinkedInOn Trulia
• www.trulia.com/profile/paulwdrury
O h R l E Gl b l
On LinkedIn
• www.linkedin.com/in/paulwdrury
Free Real EstateOn the Real Estate Global
Network
• www.realestateglobalnetwork.com/profile/PaulWDru
ry
Free Real Estate
Webinars
• http://budurl.com/druryvideos
ry
KW Research 28
29. The opinions expressed in This Month in Real Estate are intended to supplement opinions on real estate expressed by local and
national media, local real estate agents and other expert sources. You should not treat any opinion expressed on This Month in
Real Estate as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of
opinion. Keller Williams Realty, Inc., does not guarantee and is not responsible for the accuracy or completeness of information,
and provides said information without warranties of any kind. All information presented herein is intended and should be used for
educational purposes only. Nothing herein should be construed as investment advice. You should always conduct your own
research and due diligence and obtain professional advice before making any investment decision. All investments involve some
degree of risk. Keller Williams Realty, Inc., will not be liable for any loss or damage caused by your reliance on informationdegree of risk. Keller Williams Realty, Inc., will not be liable for any loss or damage caused by your reliance on information
contained in This Month in Real Estate.
KW Research 29