房地产综述:创纪录的每周抵押贷款利率下降

Here’s a look at recent news of interest to homebuyers, home sellers, and the home-curious.

房地产综述:创纪录的每周抵押贷款利率下降

30-YEAR MORTGAGES SEE BIGGEST ONE-WEEK DROP IN A DECADE

Fixed-rate mortgages last week saw their biggest one-week drop in a decade, according to Freddie Mac’sweekly rate survey.

Thirty-year fixed-rate mortgages averaged 4.06 percent, down from 4.28 percent last week, and 15-year fixed-rate mortgages averaged 3.57 percent, down from 3.71 percent. Five-year adjustable-rate mortgages averaged 3.75 percent, down from 3.84 percent last week.

Last year at this time, 30-year mortgages averaged 4.40 percent, 15-year mortgages averaged 3.90 percent, and five-year ARMs averaged 3.66 percent.

“Federal Reserve’s concern about the prospects for slowing economic growth caused investor jitters to drive down mortgage rates by the largest amount in over ten years,” Freddie Mac’s chief economist, Sam Khater, said in a statement accompanying the mortgage rate survey. “Despite negative outlooks by some, the economy continues to churn out jobs, which is great for housing demand. We have recently seen home sales start to recover, and with this week’s rate drop we expect a continued rise in purchase demand.”


SURVEY: 2019 IS A GOOD TIME TO BUY A HOME

Two out of three people say now is a good time to buy a home, and according to a survey by the National Association of Realtors conducted during the first quarter of 2019, and confidence in the U.S. economy remains strong.

The NAR’s quarterly住房机会和市场经验民意调查found that 65 percent of respondent believe now is a good time to buy a home, with 37 percent saying they strongly believe now is a good time to buy — up from 34 percent in the last quarter of 2018 — and 28 percent expressing moderate confident.

该调查还发现,有53%的人认为经济正在改善,低于去年年底的59%。2019年乐观情绪是赚取100,000美元或更多的人和居住在农村地区的人中最大的乐观。X世代受访者中有50%的人表示经济正在改善,而42%的城市地区居民报告了相同的情况。

NAR的首席经济学家劳伦斯·云说,有几个因素有助于改善潜在购房者的态度。“首先,库存一直在增加,因此那些有兴趣进行购买的买家的选择不会受到限制。此外,更稳定的房价趋势正在导致各种开放日聚会的流量更多。”

Mortgage affordability has also been more favorable for homebuyers than in recent quarters, Yun said.

“Federal Reserve’s decision to refrain from any foreseeable rate hikes was beneficial to potential buyers,” he said. “That move directly contributed to mortgage rates declining in quarter one, which provided a second-chance opportunity to those looking to buy who were priced out last quarter.”


联邦住房管理局表示,它将收紧贷款标准

The Wall Street Journal reports that the Federal Housing Administration is tightening its rules, amid a growing concern that mortgage lenders are increasingly making loans to borrowers who can’t repay them, leading to a spike in defaults.

FHA确保首次购买者的抵押贷款,在三月份告诉贷方,它将开始更加仔细地检查某些贷款,可能会确定更多的贷款是高风险。该机构称,相对于其收入,信用评分低和高贷款的借款人的抵押贷款现在将经历更严格的承保流程。

The期刊报告noted that the FHA’s decision to tighten underwriting standards could mean fewer first-time home buyers are able to get mortgages.

(照片:Istock/fizkes)

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