#freddiemac

[christinelurirealestatebroker]

#homebuying #homebuyingtips #freddiemac (at Bucktown, Chicago) https://www.instagram.com/p/CoIP3IApv5K/?igshid=NGJjMDIxMWI=

[williamsluxuryhomesaz]

Freddie Mac House Price Index Insights 2023 | Williams Luxury Homes

Dive into the latest trends with Williams Luxury Homes' analysis of the 2023 Freddie Mac House Price Index. Our expert insights shed light on market dynamics, helping homeowners and investors understand the current real estate landscape. Whether you're looking to buy, sell, or simply stay informed, our breakdown of the Freddie Mac House Price Index offers valuable foresight into housing price movements. Stay ahead with Williams Luxury Homes, your guide to navigating the 2023 real estate market.

[timhumphrey]

Who Are Fannie Mae & Freddie Mac? Why Theyre Essential in Your Mortgage Journey

https://www.youtube.com/watch?v=Ew9F6heNgaE Wondering what role Fannie Mae and Freddie Mac play in the mortgage process? In this video, we break down who these government-sponsored enterprises are, how they impact your home loan, and why they matter when it comes to getting an affordable mortgage. From making homeownership more accessible to stabilizing the housing market, Fannie Mae and Freddie Mac are crucial to anyone looking to buy or refinance a home. 👉 Learn how they keep mortgage rates affordable 👉 Understand the mortgage guidelines they influence 👉 Get tips on navigating the home financing process with confidence! Whether you’re a first-time homebuyer or exploring refinancing options, this video gives you insights into how Fannie Mae and Freddie Mac help make homeownership possible. Subscribe for more tips on smarter home financing! #FannieMae #FreddieMac #HomeLoans #MortgageProcess #HomeBuying #RealEstateTips #Mortgage101 🔔Hit subscribe for the latest expert insights and valuable podcasts on mortgage tips, real estate trends, and strategies to grow wealth through smart property decisions! https://www.youtube.com/@HumphreyMortgage/?sub_confirmation=1 ✅ Important Link to Follow 🔗 Linktree https://ift.tt/rWdohU6 ✅ Stay Connected With Me. 👉 Instagram: https://ift.tt/r60nhlW 👉 Linkedin: https://ift.tt/W5Ug2M4 👉 Website: https://ift.tt/K7okSEy 📩 For Business Inquiries: Tim@HumphreyMortgageTeam.com ============================= 🎬 Recommended Playlists 👉 Mortgage Lab https://www.youtube.com/playlist?list=PLuGT35X1mS76AUvaPHN8IuRCi-FxrI3-C 👉 Mortgage Lab Podcast https://www.youtube.com/playlist?list=PLuGT35X1mS74oOo8OcrSd12Apdwv2FrYS 🎬 WATCH MY OTHER VIDEOS: 👉 What Is Debt-To-Income Ratio? How It Affects Mortgage Approval Explained https://youtu.be/mNB9acNqJds 👉 Top 7 Mistakes To Avoid For Mortgage Approval – Essential Home Buying Tips https://youtu.be/BLxBsmXvqkw 👉 How Mortgage Insurance Helps You Buy A Home With Less Than 20% Down | Real Estate Tips https://youtu.be/yjmPHZdBmx0 👉 How To Increase Your Home Sale Profits With Pre-Sale Renovations https://www.youtube.com/watch?v=DL81T99XPs0 👉 Real Estate In 2024: Essential Market Trends And Challenges To Watch | Real Estate Tips https://www.youtube.com/watch?v=-_fBuasdX8o ============================= ⚠️ Disclaimer: Ideas expressed may not be complete and may not apply to all situations. NEO Home Loans is a division of Luminate Home Loans, Inc. | NMLS #150953 | Luminate Home Loans, Inc. NMLS#150953. Equal Housing Lender. Corporate Headquarters 2523 Wayzata Blvd. S. Suite 200, Minneapolis, MN 55405. For licensing information, go to https://ift.tt/0eryiu4. This advertisement does not constitute a loan approval or loan commitment. Loan approval or loan commitment is subject to final underwriting review and approval. Other terms and conditions apply. ✖️ Copyright Notice: This video and my YouTube channel contain dialogue, music, and images that are the property of Tim Humphrey. You are authorized to share the video link and channel and embed this video in your website or others as long as a link back to my YouTube channel is provided. © Tim Humphrey via Tim Humphrey https://www.youtube.com/channel/UCYIh6njt7ARosNWhQCi93Aw November 13, 2024 at 12:57AM

[mario1964pr-blog]

¿Quieres comprar en Puerto Rico viviendo y trabajando en EEUU o en el extranjero? ¡Aquí está la solución! Los préstamos convencionales conformes son la solución ideal para adquirir una vivienda de inversión o una segunda residencia en la isla del encanto. 🏝️🏡

Para una vivienda de inversión, se requiere al menos un 25% de pronto, más un 5-7% adicional para cubrir los gastos de cierre. Mientras que, para una segunda residencia, el pronto mínimo es del 10%, más el 5-7% para los gastos de cierre.

Además, para propiedades de segundo hogar, se solicita una puntuación crediticia de 700 o más. Si es menor, la aportación inicial sería del 20%, más los gastos de cierre mencionados.

¡No te preocupes! Estamos aquí para guiarte en cada paso del proceso. Llámanos al (787) 216-3836 para más información y asesoramiento personalizado. ¡Estamos a tu disposición! 📞✨

#EquityCaguas #FannieMae #Income #PréstamosConformes #FreddieMac #ViviendaDeInversión #SegundaResidencia #PuertoRico 🇵🇷🔑 Mario Rodríguez, Equity Mortgage Caguas 787.216.3836

[jamieroxxartist]

Today in History: Sept 7, 2008 – The United States government takes control of the two largest mortgage financing companies in the US, #FannieMae and #FreddieMac.

(https://en.wikipedia.org/wiki/Federal_takeover_of_Fannie_Mae_and_Freddie_Mac)

a #Painting I painted a few years ago: ‘#PocketMoney!’ 2006, acrylic and oil blend on canvas, 16"x20" by @ArtistJamieRoxx #JamieRoxx (www.JamieRoxx.us) This Sold Painting is Not Available.

[vizalytiq]

The mortgage market has experienced a significant upheaval as interest rates have surged to a 21-year high. A striking comparison reveals the extent of this climb: only last year, the 30-year fixed-rate mortgage stood at 5.45%, while in 2021, it lingered in the more favorable 3% range. This stark contrast underscores the substantial escalation in costs that has unfolded since the Federal Reserve's initiation of rate hikes. This tightening financial landscape has led to a notable decline in applications for home loan refinancing, registering a 2% drop in a week and a substantial 35% decrease compared to the same week in the previous year. A snapshot of the recent market conditions reveals that on August 15, the average rate for the 30-year fixed mortgage reached a staggering 7.26%. This figure stands as the loftiest observed since the preceding November, signifying the ongoing volatility and challenges confronting both prospective homebuyers and those seeking to manage their existing mortgages.

#mortgage #mortgagerates #mortgages #mortgagerate #interestrates #federalreserve #freddiemac #realestate #housingmarket #inflation #housing #finance #dataviz #datavisualization #data #infographic #visualization #graph #chart #datascience #dataanalytics #housingmarket #loans #30yearfixed #dataart #dataisbeautiful #vizalytiq

[choosing-a-buyer-agent-n6f]

Brighton Buyer Agent Warns Ho

There is a new set ofLoan Level Pricing Adjustments (LLPA) that are coming to the home lending business right now. This may create problem for Brighton Michigan home buyers. One of the reasons this country has such a high home ownership rate is that we typically have low mortgage costs for home loans. A reason for that is the standardization of loans by some giant pseudo-government entities, primarily FannieMae and FreddieMac. About 80% of home loans meet these standard guidelines, and it allows for simple exchange of loans by institutional investors. These are called "conforming loans". As you probably know, not everyone gets the same loan pricing when they get a loan. That is because of the LLPA. These adjustments compensate for variations in each loan, the dollar amount of the mortgage, the type of property being purchased, what the property will be used for, the credit score rating of the buyers, and even the location location of the home. This standardization is normally great. However, when these large groups changes their standards every few years, it can create turmoil in the market. Here are four examples of the negative impacts: 1 Pricing will now be impacted by a buyer's total Debt To Income ratio. (DTI) If a buyer's total monthly debt payment is above 40% they will face a pricing hit. There is a lot of concern that this will lead to additional difficulties in getting loans through underwriting, because it is a whole new measurement.? 2 For the last ~30 years if a buyer's credit score was above 740 they basically had access to the best pricing. The vast majority of buyers in our office have had scores above 740. Now a buyer needs to have a 780 to get to the best pricing level.? 3 Refinancing will reportedly be significantly more expensive than a purchase loan.? 4 There are now situations where it makes sense for a 20% down buyer to actually just use 19% down and pay Private Mortgage Insurance, because of the interaction between downpayment adjustments and Private Mortgage Insurance (PMI) pricing.?? A really useful chart of the impacts is here:?https://www.mortgagenewsdaily.com/news/01192023-big-llpa-changes Full details:?https://singlefamily.fanniemae.com/media/9391/display The bottom line here is that mortgage approval criteria have changed. If you have a preapproval from the first quarter of before, you need to go back to them and get an update. Thanks for stopping by and good luck with your home purchase. The Home Buyer's Agent of Ann Arbor 517 Linden Ln, Ann Arbor, MI 48103 734-662-6240 https://goo.gl/maps/WG32tMo7YEAuGAXi6 https://www.buyersagentannarbor.com/brighton-mi-buyer-agent https://brightonbuyeragentwarnshomebu662.blogspot.com/2023/04/brighton-buyer-agent-warns-home-buyers.html Buyer Agent brighton 3% down loan Buyer Agent brighton new mortgage Buyer Agent brighton Loan Pricing Buyer Agent brighton loan Advice https://searchengineoptimizationwoodb1000.blogspot.com/ https://seoauditwaterburyctmilfordct.blogspot.com/2023/04/search-engine-optimization-woodbridge.html https://searchengineoptimizationwater178.blogspot.com/ https://searchengineoptimizationyonkersny.blogspot.com/2023/04/search-engine-optimization-waterbury.html https://conditionerbarreview.blogspot.com/

[farmington-hills-buyer-k9g2fjm5]

Plymouth Buyer Agent Says Buy

20230405 Plymouth It is spring of 2023 and there are a lot of Plymouth homebuyers who will be impacted by a new set of Loan Level Pricing Adjustments (LLPA) that are hitting the mortgage business right now. One of the reasons this country has such a high ownership rate is that we generally have low interest rates for home loans. A reason for that is the standardization of loans by some giant pseudo-government entities, primarily FannieMae and FreddieMac. About 80% of home loans meet standard guidelines, and it allows for simple exchange of loans by institutional investors. Loans that conform to these standards are referred to as "conforming loans". As you probably know, not everyone gets the same rate when they buy a home. That is because of the LLPA. These adjustments compensate for variations in each loan, the size of the loan, the type of home, what the home is used for, the credit score of the borrowers, the occupancy of the home, and even the location location of the home. This standardization is normally great. However, when these large groups changes their standards every few years, it impacts a lot of buyers. The LLPA changes for 2023 are quite significant. Here are four examples of the negative impacts: 1 Pricing will now be impacted by a buyer's total Debt To Income ratio. (DTI) If a buyer's total monthly debt payment is above 40% they will face a pricing hit. 2 For the last ~30 years if a buyer's credit score was above 740 they basically had access to the best pricing. The vast majority of buyers in our office have had scores above 740. Now a buyer needs to have a 780 to get to the best pricing level. 3 Refinancing will reportedly be significantly more expensive than a purchase. 4 There are now situations where it makes sense for a 20% down buyer to actually just use 19% down and pay Private Mortgage Insurance, because of the interaction between downpayment adjustments and Private Mortgage Insurance (PMI) pricing.?? Here are three positives: 1 Pricing for lower credit scores has improved. For example, 640 to 660 scores have reduced penalties.? 2 ?Many 3% down loans have gotten better pricing. 3 There are now situations where the buyers have?qualifying incomes equal to or less than 100% of the area median will not be subject to the new adjustments. A really useful chart of the impacts is here:?https://www.mortgagenewsdaily.com/news/01192023-big-llpa-changes Full details:?https://singlefamily.fanniemae.com/media/9391/display 1 On a related note, One type of loan that isn't a conforming loan is an FHA loan. Pricing on FHA loans has actually improved?significantly. These loans have historically worked well for first-time buyers without great credit, or situations where there is a non-occupant co-borrower. The Home Buyer's Agent of Ann Arbor 517 Linden Ln, Ann Arbor, MI 48103 734-662-6240 https://www.yelp.com/biz/the-home-buyers-agent-of-ann-arbor-ann-arbor http://buyersagentannarbor.com/plymouth-mi-buyer-agent https://plymouthbuyeragentsaysbuyersf537.blogspot.com/2023/04/plymouth-buyer-agent-says-buyers-face.html Buyer Agent Plymouth Home loan Advice https://charleswashingtoncareerstatsn568.blogspot.com/ https://charleswashingtoncareerstatsn568.blogspot.com/2023/04/charles-washington-career-stats-net.html https://dumpsterrentaljefferson815.blogspot.com/ https://dumpsterrentaljefferson815.blogspot.com/2023/04/dumpster-rental-jefferson.html https://weightlossdoneright846.blogspot.com/2022/12/ideas-to-get-fit.html

[news247worldpressposts]

#Breaking: The average rate on the 30-year fixed #mortgage fell to 6.33% from 6.48% the previous week, according to #FreddieMac.

#Breaking: The average rate on the 30-year fixed #mortgage fell to 6.33% from 6.48% the previous week, according to #FreddieMac.

Mortgage rates slid this week to their lowest point since mid-December, offering some opportunistic buyers a small chance to save. The average rate on the 30-year fixed mortgage fell to 6.33% from 6.48% the previous week, according to Freddie Mac. https://t.co/UFME9EGJds pic.twitter.com/oPca4Y7G1E — Yahoo Finance (@YahooFinance) January 15, 2023 Source: Twitter

[naplesgolfguy]

Brief drop in mortgage rates sparks mini refinance boom. The average interest rate for 30-year fixed-rate mortgages with conforming loan balances ($647,200 or less) decreased to 4.09% from 4.15%.

As a result, refinances jumped 9% last week. Industry experts say 5 million current homeowners could benefit from refinancing.

Learn more...

[woodlandsprimelending-blog]

Get to know us! We are Woodlands Prime Lending, mortgage lending company with a large variety of lending programs and a team of dedicated professionals who are always just a phone call away! At Woodlands Prime Lending our goal as a company is to help you reach your goals. We are here to help the person who wants to achieve their dreams of owning a home! We are here to help the person or business who needs funding to get to the next level, and closer to their goals as a company. Visit our website at https://www.woodlandsprimelending.com to learn more or to get started! Please like follow/subscribe to our page and follow us @woodlandsprimelending on all social media platforms. (Facebook, Twitter, Instagram, Youtube, LinkedIn) #woodlandsprimelending #mortgage #realestate #finance #financial #newhome #loan #mortgageloan #mlo #newhome #newhomeowners #newhomeowners #usdaloans #valoans #fhaloans #fhahomeloans #conventionalloans #fanniemae #freddiemac #homeappraisal #homeinsuranceclaim https://www.instagram.com/p/BxEPX9WJH3_/?utm_source=ig_tumblr_share&igshid=1kahnb4r6ekh7

[timhumphrey]

Who Are Fannie Mae & Freddie Mac? Why Theyre Essential in Your Mortgage Journey

https://www.youtube.com/watch?v=YlSHa1rsTXM Wondering what role Fannie Mae and Freddie Mac play in the mortgage process? In this video, we break down who these government-sponsored enterprises are, how they impact your home loan, and why they matter when it comes to getting an affordable mortgage. From making homeownership more accessible to stabilizing the housing market, Fannie Mae and Freddie Mac are crucial to anyone looking to buy or refinance a home. 👉 Learn how they keep mortgage rates affordable 👉 Understand the mortgage guidelines they influence 👉 Get tips on navigating the home financing process with confidence! Whether you’re a first-time homebuyer or exploring refinancing options, this video gives you insights into how Fannie Mae and Freddie Mac help make homeownership possible. Subscribe for more tips on smarter home financing! #FannieMae #FreddieMac #HomeLoans #MortgageProcess #HomeBuying #RealEstateTips #Mortgage101 🔔Hit subscribe for the latest expert insights and valuable podcasts on mortgage tips, real estate trends, and strategies to grow wealth through smart property decisions! https://www.youtube.com/@HumphreyMortgage/?sub_confirmation=1 ✅ Important Link to Follow 🔗 Linktree https://ift.tt/gHUP1fS ✅ Stay Connected With Me. 👉 Instagram: https://ift.tt/glP65De 👉 Linkedin: https://ift.tt/VCW1kcK 👉 Website: https://ift.tt/mZuiNhI 📩 For Business Inquiries: Tim@HumphreyMortgageTeam.com ============================= 🎬 Recommended Playlists 👉 Mortgage Lab https://www.youtube.com/playlist?list=PLuGT35X1mS76AUvaPHN8IuRCi-FxrI3-C 👉 Mortgage Lab Podcast https://www.youtube.com/playlist?list=PLuGT35X1mS74oOo8OcrSd12Apdwv2FrYS 🎬 WATCH MY OTHER VIDEOS: 👉 What Is Debt-To-Income Ratio? How It Affects Mortgage Approval Explained https://youtu.be/mNB9acNqJds 👉 Top 7 Mistakes To Avoid For Mortgage Approval – Essential Home Buying Tips https://youtu.be/BLxBsmXvqkw 👉 How Mortgage Insurance Helps You Buy A Home With Less Than 20% Down | Real Estate Tips https://youtu.be/yjmPHZdBmx0 👉 How To Increase Your Home Sale Profits With Pre-Sale Renovations https://www.youtube.com/watch?v=DL81T99XPs0 👉 Real Estate In 2024: Essential Market Trends And Challenges To Watch | Real Estate Tips https://www.youtube.com/watch?v=-_fBuasdX8o ============================= ⚠️ Disclaimer: Ideas expressed may not be complete and may not apply to all situations. NEO Home Loans is a division of Luminate Home Loans, Inc. | NMLS #150953 | Luminate Home Loans, Inc. NMLS#150953. Equal Housing Lender. Corporate Headquarters 2523 Wayzata Blvd. S. Suite 200, Minneapolis, MN 55405. For licensing information, go to https://ift.tt/qb8MhW2. This advertisement does not constitute a loan approval or loan commitment. Loan approval or loan commitment is subject to final underwriting review and approval. Other terms and conditions apply. ✖️ Copyright Notice: This video and my YouTube channel contain dialogue, music, and images that are the property of Tim Humphrey. You are authorized to share the video link and channel and embed this video in your website or others as long as a link back to my YouTube channel is provided. © Tim Humphrey via Tim Humphrey https://www.youtube.com/channel/UCYIh6njt7ARosNWhQCi93Aw November 06, 2024 at 06:24AM

[mario1964pr-blog]

¿Quieres comprar en Puerto Rico viviendo y trabajando en EEUU o en el extranjero? ¡Aquí está la solución! Los préstamos convencionales conformes son la solución ideal para adquirir una vivienda de inversión o una segunda residencia en la isla del encanto. 🏝️🏡

Para una vivienda de inversión, se requiere al menos un 25% de pronto, más un 5-7% adicional para cubrir los gastos de cierre. Mientras que, para una segunda residencia, el pronto mínimo es del 10%, más el 5-7% para los gastos de cierre.

Además, para propiedades de segundo hogar, se solicita una puntuación crediticia de 700 o más. Si es menor, la aportación inicial sería del 20%, más los gastos de cierre mencionados.

¡No te preocupes! Estamos aquí para guiarte en cada paso del proceso. Llámanos al (787) 216-3836 para más información y asesoramiento personalizado. ¡Estamos a tu disposición! 📞✨

#EquityCaguas #FannieMae #Income #PréstamosConformes #FreddieMac #ViviendaDeInversión #SegundaResidencia #PuertoRico 🇵🇷🔑 Mario Rodríguez, Equity Mortgage Caguas 787.216.3836

[reportwire]

Mortgage rates march towards 7%, reaching highest level since 2007

Mortgage rates march towards 7%, reaching highest level since 2007

The numbers: Mortgage rates continue to march towards 7%, continuing to pressure potential homeowners looking to buy a home.  The 30-year fixed-rate mortgage averaged 6.7% as of Sept. 29, according to data released by Freddie Mac FMCC, +0.75% on Thursday.  Mortgage rates are up as the Federal Reserve pushed key interest rates up to deal with the worst inflation the country has seen in 40…