Relevant News Links – December 18th 2015

RNL

“One kind word can warm three winter months.” –  Japanese Proverb

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Holiday Sales: Real-Estate Deals Often Surge in December
Some real-estate agents find themselves working long hours during their holiday vacation time.
http://www.wsj.com/articles/holiday-sales-real-estate-deals-often-surge-in-december-1450364907

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Market Instability Won’t Deter a Fed Rate Hike
Last week’s volatility in the markets, highlighted by further implosions in the high-yield and energy segments, won’t deter the Federal Reserve from raising interest rates on Wednesday.
http://www.bloombergview.com/articles/2015-12-14/market-instability-won-t-deter-a-fed-rate-hike

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SUNDOWN ON RELIEF FOR DISTRESSED HOMEOWNERS?
Last-minute negotiations in Washington have left real-estate agents and sellers nervous about the possibility that distressed homeowners could receive an unwelcome tax hit.
http://www.builderonline.com/newsletter/sundown-on-relief-for-distressed-homeowners_c

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The Mystery of Missing Inflation Weighs on Fed Rate Move
Over the past 240 years, the rate of inflation has been much higher and much lower than it is today
http://blogs.wsj.com/economics/2015/12/14/a-brief-history-of-u-s-inflation-since-1775/

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A Brief History of U.S. Inflation Since 1775
From waterfront estates to modern penthouses to island getaways, Previews International digital magazine showcases the finest homes on the market in the Pacific Northwest.
http://blob.cbba.com/photos/exceptional/vol15iss12/index.html

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Here’s what the housing and mortgage industry will look like in 2016
As an interested observer and active participant within the housing and mortgage servicing industries for more than three decades, I have opined on many industry-related subjects over the years, and each year also present my own predictions for the coming year
http://www.housingwire.com/blogs/1-rewired/post/35791-heres-what-the-housing-and-mortgage-industry-will-look-like-in-2016?eid=311687380&bid=1252681

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Why TRID is far worse than anyone thought
“This is biggest event in my 23 years. And that includes the market crash.”
http://www.housingwire.com/articles/35826-community-lender-confidential-why-trid-is-far-worse-than-anyone-thought

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Smart Ways to Use Smart Glass at Home
The high-tech material offers a new way to handle privacy, control room temperature and hide television screens
http://www.wsj.com/articles/smart-ways-to-use-smart-glass-at-home-1449765586

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Where Millennials Go for Financial Advice
Wary of traditional advisers, young adults have a host of alternatives to choose from
http://www.wsj.com/articles/where-millennials-go-for-financial-advice-1450062181

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Latest Consumer Price Inflation (November 2015)
There was a slight uptick in the broad consumer inflation measure in November. More interesting is the housing components, which continue to show high figures. Housing shortage still persists and this condition will jack-up the broad inflation rate in 2016. The Fed then will have to raise interest rates few additional times.
http://economistsoutlook.blogs.realtor.org/2015/12/15/latest-consumer-price-inflation-november-2015/

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How Many Houses are Vacant at Your Zip Code?
Housing vacancies are currently at the lowest levels since at least 2005, according to the Census Bureau estimates. Nationally, the rental vacancy rate was 7.3 percent while homeowner housing rate was 1.9 percent for the third quarter 2015.
http://economistsoutlook.blogs.realtor.org/2015/12/16/how-many-houses-are-vacant-at-your-zip-code/

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Where Rich Chinese Are Stashing Their Cash: America’s Hotels and Strip Malls
A small group of wealthy Chinese investors recently poured $10 million into a luxury condominium project in New York’s Westchester County.
http://blogs.wsj.com/chinarealtime/2015/12/09/where-rich-chinese-are-stashing-their-cash-americas-hotels-and-strip-malls/

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Seattle council approves fees portion of ‘grand bargain’ for affordable housing
The Seattle City Council approved legislation Monday related to what officials are calling a “grand bargain” between developers and affordable-housing advocates.
http://www.seattletimes.com/seattle-news/politics/seattle-council-approves-fees-portion-of-grand-bargain-for-affordable-housing/?utm_source=email&utm_medium=email&utm_campaign=article_left

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Twitter Warns Some Users About Possible Hacking Threats
Twitter Inc.TWTR -1.37% said it warned some users in recent days that their accounts may be targets of state-sponsored attacks. It is the first time Twitter has sent such alerts to users.
http://blogs.wsj.com/digits/2015/12/14/twitter-warns-some-users-about-possible-hacking-threats/?vh=3fa27af53313b52f46afc55fd448f74ed38d3339&ts=1450126428

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No Cell Signal? This Can Help When You Wander Off-Grid
GoTenna lets your smartphone text and share your location when regular mobile-phone service isn’t an option
http://www.wsj.com/articles/no-cell-signal-this-can-help-when-you-wander-off-grid-1450203815

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Carmel-by-the-Sea Home Sells for a Record $27 Million
A beachfront home in Carmel-by-the-Sea has sold for $27 million, a record for the enclave on the California coast, according to the listing agent.
http://www.wsj.com/articles/carmel-by-the-sea-home-sells-for-a-record-27-million-1450308020

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How to Finance a Home Bought at Auction
Many buyers bidding for homes in auctions are surprised to learn they can get mortgage financing instead of paying all cash
http://www.wsj.com/articles/how-to-finance-a-home-bought-at-auction-1450279916

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Andy Warhol’s Hamptons Estate Sells for $50 Million
A Telluride ski home purchased by Oprah Winfrey and a Andy Warhol’s former Hamptons estate that sold for a record $50 million are among the beautiful properties featured by WSJ Mansion reporter Candace Taylor on Lunch Break.
http://www.wsj.com/video/andy-warhol-hamptons-estate-sells-for-50-million/2013942F-1386-4901-9641-DB8097AE9BD4.html

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What a bump in interest rates could mean for your personal finances
Here we are again, fretting about a possible increase in interest rates by the Federal Reserve and what a bump would mean for our personal finances.
https://www.washingtonpost.com/business/get-there/what-a-bump-in-interest-rates-could-mean-for-your-personal-finances/2015/12/09/3d4dadc8-9ded-11e5-a3c5-c77f2cc5a43c_story.html

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Attention, Fed: This indicator signals a 4% jobless rate next year
Builder confidence signals the job market will get even tighter
http://www.marketwatch.com/story/attention-fed-this-indicator-signals-a-4-jobless-rate-next-year-2015-12-16

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Mortgage rates rise ahead of Fed’s announcement
Mortgage rates crept up this week ahead of the Federal Reserve’s rate hike, according to the latest data released Thursday by Freddie Mac.
https://www.washingtonpost.com/news/where-we-live/wp/2015/12/17/mortgage-rates-rise-ahead-of-feds-annoucement/

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Mortgage rates move higher following upbeat jobs report
Mortgage rates were pushed slightly higher by last week’s strong employment report, according to the latest data released Thursday by Freddie Mac.
https://www.washingtonpost.com/news/where-we-live/wp/2015/12/10/mortgage-rates-move-higher-following-upbeat-jobs-report/

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The MarketPulse
The MarketPulse provides monthly insight into the current and future health of the U.S. economic climate with particular focus on housing and mortgage metrics
http://www.corelogic.com/about-us/researchtrends/the-marketpulse.aspx#.VNVmOPmjNpU

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CoreLogic Home Price Insights
The most geographically comprehensive and current home price index.
http://www.corelogic.com/about-us/researchtrends/corelogic-home-price-insights.aspx?WT.mc_id=crlg_151103_aHqc0&elq=d6379903117d41bcbe7b9f6a82f2189a&elqCampaignId=2692&elqaid=7659&elqat=1&elqTrackId=097f671c98fc48249757d8ddbd229326#.Vj1WlvnnuUl

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HOUSING STATISTICS
Housing Statistics offers 43 different sets of data, downloadable either as Excel or PDF files (updated weekly). Housing data and primary indicators of the industry are housed in one easy-to navigate location containing historical and current sets of statistics such as: Housing Starts (by Region & Structure Type), Homes Sold by Region, Producer Price Indexes (for Building Materials), Manufactured Homes, New Home Characteristics, Residential Vacancy & Absorption Rates, Units Under Construction, Value of New Construction, and many more.
http://www.nahb.org/reference_list.aspx?sectionID=819&channelID=311

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Bureau of Economic Analysis
U.S. Economy at a Glance
http://www.bea.gov/index.htm

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U.S. Housing Market Tracker
The U.S. housing market has struggled to find equilibrium after the bubble of the past decade. Here’s a look at where various gauges of supply and demand stand today.
http://graphics.wsj.com/us-housing-market/

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Mortgage Market Survey Archive
Compilation of Weekly Survey Data for 2015
http://www.freddiemac.com/pmms/archive.html

Relevant News Links – Friday, December 11th

RNL

“December, being the last month of the year, cannot help but make us think of what is to come.”  ― Fennel Hudson

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Real-Estate Pros Pen Purple Prose
The higher the home price, the more flowery the verbiage in the property description, an analysis of real-estate listings finds
http://www.wsj.com/articles/real-estate-pros-pen-purple-prose-1449764159

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‘It’s Very Likely the Fed Will Begin Raising Interest Rates’
Friday’s solid jobs report nudges the Federal Reserve that much closer to raising rates later this month. Here are some of their thoughts on Fed implications, details within the report and the outlook for coming months.
http://blogs.wsj.com/economics/2015/12/04/economists-react-to-the-november-jobs-report-its-very-likely-the-fed-will-begin-raising-interest-rates/

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Multimillion-Dollar Homes Face the Wrecking Ball
Buyers seeking location, location, location spend upward of $10 million for a house—only to raze it to the ground.
http://www.wsj.com/articles/multimillion-dollar-homes-face-the-wrecking-ball-1449758002

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Take a luxury tour across the Pacific Northwest with Previews International.
From waterfront estates to modern penthouses to island getaways, Previews International digital magazine showcases the finest homes on the market in the Pacific Northwest.
http://blob.cbba.com/photos/exceptional/vol15iss12/index.html

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Should You Rent the House or Sell It?
Newly married couples who came into the relationship with their own real estate face a big decision: Keep both properties and turn one into a rental or sell it and take whatever equity is available
http://blogs.wsj.com/experts/2015/12/10/should-you-rent-the-house-or-sell-it/

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Economic Forecasting Survey
The Wall Street Journal surveys a group of more than 60 economists on more than 10 major economic indicators on a monthly basis.
http://projects.wsj.com/econforecast/#ind=homeprices&r=10

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Bonds, Rates, and Credit Markets
Consumer Money Rates
http://www.wsj.com/mdc/public/page/mdc_bonds.html

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Rising Homeowner Equity Helping to Buy the Next Home
The combined net worth of Americans fell in the latest data, but housing equity continued to trend higher.
http://www.forbes.com/sites/lawrenceyun/2015/12/11/rising-homeowner-equity-helping-to-buy-the-next-home/?sf16875287=1

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Buffers for TRID’s Learning Curve
The new Know Before You Owe or “TRID” closing process could help consumers, but it could also create issues for consumers in the short-term. According to the 3rd Quarter Survey of Mortgage Originators
http://economistsoutlook.blogs.realtor.org/2015/12/10/buffers-for-trids-learning-curve/

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Homeowners Reap Remodeling Benefits Whether Selling or Staying
Homeowners and renters remodel, redesign, and restructure their home for a variety of reasons. This report takes a deep dive into the reasons for remodeling, the success of taking on projects, and the increased happiness found in the home once a project is completed.
http://www.realtor.org/news-releases/2015/12/homeowners-reap-remodeling-benefits-whether-selling-or-staying-say-realtors

Download Report:
http://www.realtor.org/reports/remodeling-impact

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FHA Limits Expand for 2016; More Likely in 2017
The Department of Housing and Urban Development (HUD) announced the 2016 maximum loan limits for the Federal Housing Administration (FHA) yesterday. While the maximum loan limit will not change, limits will rise in 188 counties around the country.
http://economistsoutlook.blogs.realtor.org/2015/12/10/fha-limits-expand-for-2016-more-likely-in-2017/

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10 biggest income tax changes to plan for in 2016
Tax time is nearly upon us again, and 2016 will bring some tax changes you need to know about.
http://www.usatoday.com/story/money/personalfinance/2015/12/07/10-biggest-income-tax-changes-plan-2016/76925536/

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Housing Outlook, 2016
Prices in most cities are rising moderately, but tight supply is holding back buyers and sellers. Ron Berg After more than a decade of head-snapping ups and downs, the housing market has settled into a steadier, less-spectacular groove
http://www.kiplinger.com/article/real-estate/T038-C000-S002-housing-outlook-2016.html

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A Unique Home Buying Demographic: Active Military & Veterans
Active military and veterans comprised 21 percent of all home buyers in 2015 ̶ a sizable subset worth exploring their purchasing preferences, according to NAR’s 2015 Profile of Home Buyers and Sellers report released in November 2015
http://economistsoutlook.blogs.realtor.org/2015/12/02/a-unique-home-buying-demographic-active-military-veterans/

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Soundproofing for New York Noise
Noise-control companies are endeavoring to make life a little quieter in a very loud city. http://www.nytimes.com/2015/12/13/realestate/soundproofing-for-new-york-noise.html?emc=edit_tnt_20151211&nlid=68153968&tntemail0=y&_r=0

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Surprising Performers in the Latest State and Metro Employment Conditions
There are plenty of new jobs in the states in the Mountain and Pacific Time Zones. Idaho, Utah, and Oregon, and Washington are among the top ten job creating states.
http://economistsoutlook.blogs.realtor.org/2015/12/08/surprising-performers-in-the-latest-state-and-metro-employment-conditions/

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Millennials, Baby Boomers, and Rebounding Multifamily Home Construction
In this video, Dr. Jordan Rappaport, Senior Economist with the Federal Reserve Bank of Kansas City, discusses the demographic trends and preferences of millennials and baby boomers driving multifamily housing demand.
https://www.youtube.com/watch?v=KsQUtsArKMM

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Here are 7 tips to secure a home when inventory is low
This low inventory environment isn’t going anywhere
http://www.housingwire.com/articles/35766-here-are-7-tips-to-secure-a-home-when-inventory-is-low?sf16624256=1

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Strong November jobs report makes a December rate hike more likely
The economy added 211,000 jobs in November, the U.S. Department of Labor said Friday in a report that should do little to discourage the Federal Reserve later this month from raising interest rates.
http://www.scotsmanguide.com/News/2015/12/Strong-November-jobs-report-makes-a-December-rate-hike-more-likely/?sf16623172=1

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4 reasons 2016 is the year to buy a home
If you’ve been on the fence about buying a home, 2016 is the year to take the plunge.
http://money.cnn.com/2015/12/04/real_estate/2016-real-estate/index.html?section=money_latest

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Nearly Half of Renters Put Too Much Toward Rent
The largest boom in new apartment construction in three decades is doing little to slow rent increases or ease affordability concerns for renters across the country, a new report finds
http://blogs.wsj.com/economics/2015/12/09/nearly-half-of-renters-put-too-much-toward-rent/

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Mortgage rates move higher following upbeat jobs report
Mortgage rates were pushed slightly higher by last week’s strong employment report, according to the latest data released Thursday by Freddie Mac.
https://www.washingtonpost.com/news/where-we-live/wp/2015/12/10/mortgage-rates-move-higher-following-upbeat-jobs-report/

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King County home prices climb amid worst shortage of inventory in a decade
The continuing shortage of homes for sale helped send prices on homes sold last month through the roof: King County’s median price for single-family homes sold was $499,950, a 13.6 percent increase over a year ago
http://www.seattletimes.com/business/real-estate/king-county-home-prices-up-136-percent-in-12-months/

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Teardown town: 1,500 small houses replaced by giants since 2012
More than 450 were replaced by homes triple the size, or bigger. Check out our before-and-after pictures.
http://www.seattletimes.com/seattle-news/data/teardown-town-1500-small-houses-replaced-by-giants-since-2012/

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Real-Estate Agents’ Over-the-Top Gifts for Home Buyers
From custom dog portraits to a weekend in Vegas, some luxury real-estate agents work hard to give clients that perfect closing gift.
http://www.wsj.com/articles/real-estate-agents-over-the-top-gifts-for-home-buyers-1449758791

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The MarketPulse
The MarketPulse provides monthly insight into the current and future health of the U.S. economic climate with particular focus on housing and mortgage metrics
http://www.corelogic.com/about-us/researchtrends/the-marketpulse.aspx#.VNVmOPmjNpU

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CoreLogic Home Price Insights
The most geographically comprehensive and current home price index.
http://www.corelogic.com/about-us/researchtrends/corelogic-home-price-insights.aspx?WT.mc_id=crlg_151103_aHqc0&elq=d6379903117d41bcbe7b9f6a82f2189a&elqCampaignId=2692&elqaid=7659&elqat=1&elqTrackId=097f671c98fc48249757d8ddbd229326#.Vj1WlvnnuUl

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HOUSING STATISTICS
Housing Statistics offers 43 different sets of data, downloadable either as Excel or PDF files (updated weekly). Housing data and primary indicators of the industry are housed in one easy-to navigate location containing historical and current sets of statistics such as: Housing Starts (by Region & Structure Type), Homes Sold by Region, Producer Price Indexes (for Building Materials), Manufactured Homes, New Home Characteristics, Residential Vacancy & Absorption Rates, Units Under Construction, Value of New Construction, and many more.
http://www.nahb.org/reference_list.aspx?sectionID=819&channelID=311

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Bureau of Economic Analysis
U.S. Economy at a Glance
http://www.bea.gov/index.htm

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U.S. Housing Market Tracker
The U.S. housing market has struggled to find equilibrium after the bubble of the past decade. Here’s a look at where various gauges of supply and demand stand today.
http://graphics.wsj.com/us-housing-market/

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Mortgage Market Survey Archive
Compilation of Weekly Survey Data for 2015
http://www.freddiemac.com/pmms/archive.html

Relevant News Links – December 7th

RNL

“It is December, and nobody asked if I was ready.”   ― Sarah Kay

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High-End Homes Prices Fall in the U.S.
A new report finds that prices for luxury properties have fallen for the first time since 2012
http://fortune.com/2015/11/19/housing-market/

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‘It’s Very Likely the Fed Will Begin Raising Interest Rates’
Friday’s solid jobs report nudges the Federal Reserve that much closer to raising rates later this month. Here are some of their thoughts on Fed implications, details within the report and the outlook for coming months.
http://blogs.wsj.com/economics/2015/12/04/economists-react-to-the-november-jobs-report-its-very-likely-the-fed-will-begin-raising-interest-rates/

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Weak Canadian Dollar Shifts U.S. Home Purchases
The Canadian dollar is down about 10% over the last year, changing the landscape of foreign buyers in the U.S., but Canadians continue to buy luxury property.
http://www.wsj.com/articles/weak-canadian-dollar-shifts-u-s-home-purchases-1449157330

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Château de Castille Goes on the Market for $9.66 Million
In Provence, the castle’s Picasso murals are classified as historic monuments by the government
http://www.wsj.com/articles/chateau-de-castille-goes-on-the-market-for-9-66-million-1449162967

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How to Get a Jumbo Home Loan When a Condo is Still Under Construction
Lenders will generally finance a unit, but they won’t close until the unit is done.
http://www.wsj.com/articles/how-to-get-a-jumbo-home-loan-when-a-condo-is-still-under-construction-1449070654

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Home Spas That Rival Those in Big Hotels

From massage rooms to saunas, luxury spa features are making their way into high-end houses
http://www.wsj.com/articles/home-spas-that-rival-those-in-big-hotels-1449154437

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A Penthouse for Everyone: Developers Reserve Top Floors for Shared Amenities
By adding pools, private dining and theaters atop their towers, luxury builders hope to charge more for lower units
http://www.wsj.com/articles/a-penthouse-for-everyone-developers-reserve-top-floors-for-shared-amenities-1449160822

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An Italian Architect’s Villa in the Hills Above Turin
Luca Maria Gandini designs a family home with a concrete-and-steel facade and adjustable black pool
http://www.wsj.com/articles/an-italian-architects-villa-in-the-hills-above-turin-1449156843

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A Snowboarder’s Utah Home Heads to Auction
Ken Block, the co-founder of shoe company DC Shoes, built this Park City home with a rope tow and skateboard park
http://www.wsj.com/articles/a-snowboarders-utah-home-heads-to-auction-1449158502

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Do Energy Efficiency and Green Certifications Increase Home Values?
A study designed and conducted by Northwest real estate appraisers for Northwest real estate appraisers.
https://www.earthadvantage.org/policy-research/published-reports.html

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Furniture Maker Marc Fish Listens to a Sea Shell
The British designer takes inspiration from the ocean to make a table that recreates a nautilus shell
http://www.wsj.com/articles/furniture-maker-marc-fish-listens-to-a-sea-shell-1449074467

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Why a Basement Can Hurt the Price of a Luxury Home
In Bakersfield, Calif., high-end homes with basements listed for 7.8% less per square foot than those without; cellars sell better in Florida
http://www.mansionglobal.com/articles/15317-why-a-basement-can-hurt-the-price-of-a-luxury-home

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Michael Jackson’s ‘Neverland’ Estate Courts Chinese Buyers
The King of Pop’s former California home is currently available for $100 million
http://www.mansionglobal.com/articles/15238-michael-jackson%25E2%2580%2599s-‘neverland’-estate-courts-chinese-buyers

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US still favored by Chinese property-buyers
The Chinese are in the top five of international property investors in 46 of the 50 states and listed St. Louis, Gainesville, Florida, and Seattle as “up and coming” areas.
http://www.chinadaily.com.cn/business/2015-11/17/content_22478087.htm

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October Existing-Home Sales
NAR released a summary of existing-home sales data showing that the housing market sales pace slowed down from last month, as October’s existing-home sales reach the 5.36 million seasonally adjusted annual rate.
http://economistsoutlook.blogs.realtor.org/2015/11/30/october-existing-home-sales/

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CoreLogic Home Price Insights
The most geographically comprehensive and current home price index.
http://www.corelogic.com/about-us/researchtrends/corelogic-home-price-insights.aspx?WT.mc_id=crlg_151201_D3h2c&elq=bb1828adabee4ddebb141df364064bff&elqCampaignId=2818&elqaid=7936&elqat=1&elqTrackId=e7e21a35328a497c9cdff7c5c8b74e3a#.VmHeWPnnuUl__________________________________________________________________________________________

Pending Home Sales Nudge Forward in October
Pending home sales were mostly unchanged in October, but shifted marginally higher after two straight months of declines
http://www.realtor.org/news-releases/2015/11/pending-home-sales-nudge-forward-in-october

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First historic home at Fort Lawton sells for just over $1M
The first of 26 renovated historic homes at Fort Lawton in Discovery Park was just sold. If the price seems steep for an old three-bedroom house, the buyer notes that “you get the 534-acre park for free.”
http://www.seattletimes.com/business/real-estate/first-historic-home-at-ft-lawton-sells-for-just-over-1m/

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Chinese Cash Floods U.S. Housing Market
Some of the Chinese money pouring into the global economy has gone into residential property, in major American cities
http://www.nytimes.com/2015/11/29/business/international/chinese-cash-floods-us-real-estate-market.html?smid=tw-share&_r=2&sf16162019=1

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The Roots of China’s Real Estate Rush
Chinese money is reshaping real estate markets, as companies and individuals snap up commercial and residential properties.
http://www.nytimes.com/interactive/2015/11/23/business/china-factor-real-estate.html?emc=edit_tnt_20151128&nlid=68153968&tntemail0=y

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American Homes 4 Rent to Merge With Rival
The combination with American Residential Properties will own more than 47,000 homes in the United States.
http://www.nytimes.com/2015/12/04/business/dealbook/american-homes-4-rent-to-merge-with-rival.html?emc=edit_tnt_20151203&nlid=68153968&tntemail0=y

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HUD Homes at Half Price
A little-known program allows police officers, teachers, firefighters and emergency medical technicians to buy certain homes for half price. But financing comes with some strings attached.
http://www.nytimes.com/2015/11/29/realestate/hud-homes-at-half-price.html?emc=edit_tnt_20151127&nlid=68153968&tntemail0=y

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Apartment sales cruise past $2B, head into the record-breaking home stretch
The Portland apartment sales market already broke a dollar amount record for the year back at the end of September, but the pace toward $2.3 billion marches on even after a lighter October.
http://www.bizjournals.com/portland/blog/real-estate-daily/2015/12/apartment-sales-cruise-past-2b-head-into-the.html?iana=ind_rre

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20 of The World’s Most Expensive Billionaire Homes
You won’t believe the price tags on these luxurious homes! See how Billionaires live in the Forbes list of top 20 most expensive homes!
http://www3.forbes.com/business/the-worlds-most-expensive-billionaire-homes/?utm_campaign=billionaire-homes&utm_source=yahoo-gemini&utm_medium=referral

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By not downsizing, baby boomers help clog up the real estate pipeline
They rocked at Woodstock, marched in protest on campus, distrusted authority and then, as adults, took out mortgages and bought lots of real estate. But now, some economists say, baby boomers aren’t selling their houses as earlier generations did
https://www.washingtonpost.com/realestate/new-disclosure-rules-for-mortgages-prove-to-be-a-headache-but-not-for-all/2015/11/24/ceee79bc-9210-11e5-8aa0-5d0946560a97_story.html

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New disclosure rules for mortgages prove to be a headache, but not for all
How are home closings going nearly two months after the new federal real-estate disclosure rules took effect?
https://www.washingtonpost.com/realestate/new-disclosure-rules-for-mortgages-prove-to-be-a-headache-but-not-for-all/2015/11/24/ceee79bc-9210-11e5-8aa0-5d0946560a97_story.html

__________________________________________________________________________

The MarketPulse
The MarketPulse provides monthly insight into the current and future health of the U.S. economic climate with particular focus on housing and mortgage metrics
http://www.corelogic.com/about-us/researchtrends/the-marketpulse.aspx#.VNVmOPmjNpU

__________________________________________________________________________

CoreLogic Home Price Insights
The most geographically comprehensive and current home price index.
http://www.corelogic.com/about-us/researchtrends/corelogic-home-price-insights.aspx?WT.mc_id=crlg_151103_aHqc0&elq=d6379903117d41bcbe7b9f6a82f2189a&elqCampaignId=2692&elqaid=7659&elqat=1&elqTrackId=097f671c98fc48249757d8ddbd229326#.Vj1WlvnnuUl

__________________________________________________________________________

HOUSING STATISTICS
Housing Statistics offers 43 different sets of data, downloadable either as Excel or PDF files (updated weekly). Housing data and primary indicators of the industry are housed in one easy-to navigate location containing historical and current sets of statistics such as: Housing Starts (by Region & Structure Type), Homes Sold by Region, Producer Price Indexes (for Building Materials), Manufactured Homes, New Home Characteristics, Residential Vacancy & Absorption Rates, Units Under Construction, Value of New Construction, and many more.
http://www.nahb.org/reference_list.aspx?sectionID=819&channelID=311

__________________________________________________________________________

Bureau of Economic Analysis
U.S. Economy at a Glance
http://www.bea.gov/index.htm

__________________________________________________________________________

U.S. Housing Market Tracker
The U.S. housing market has struggled to find equilibrium after the bubble of the past decade. Here’s a look at where various gauges of supply and demand stand today.
http://graphics.wsj.com/us-housing-market/

__________________________________________________________________________

Mortgage Market Survey Archive
Compilation of Weekly Survey Data for 2015
http://www.freddiemac.com/pmms/archive.html

Relevant News Links – November 20th 2015

RNL

“Be thankful for what you have; you’ll end up having more. If you concentrate on what you don’t have, you will never, ever have enough”.
~Oprah Winfrey

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Traditional Thanksgiving Decorating Ideas
Decorate your home in a traditional style this year for a look that is warm, welcoming and timeless.
http://www.hgtv.com/design/rooms/living-and-dining-rooms/traditional-thanksgiving-decorating-ideas-pictures

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In Thanksgiving Day Cooking Fires, Texas Is Tops
Thanks to a taste for deep-fried turkeys, the Lone Star State leads the U.S. in Thanksgiving Day cooking- and grease-related fires, according to State Farm
http://www.wsj.com/articles/in-thanksgiving-day-cooking-fires-texas-is-tops-1447947357

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Previews® 2015 Luxury Holiday Gift Guide
What do you give the person who has everything? From space adventures to personal submarines, Coldwell Banker Previews International®
http://www.previewsinsideout.com/2015/11/previews-2015-luxury-holiday-gift-guide/

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Posh Party Spaces from Previews
‘Tis the season for holiday entertaining. In honor of all of the “merry and bright” we’ll be experiencing over the next two months, Previews® Inside Out scoured our latest luxury listings to find the most elaborate entertaining spaces currently marketed by Coldwell Banker Previews International®
http://www.previewsinsideout.com/2015/11/posh-party-spaces-from-previews/

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Why It’s Harder to Sell Your Home in an Election Year
The uncertainty of a looming election can cause a dip in home sales, especially if the race is close.
http://www.wsj.com/articles/why-its-harder-to-sell-your-home-in-an-election-year-1441901530

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2015 Home Buying Trend: Purchasing Larger Homes
Home buyer demographics change slightly from year to year due to macroeconomic forces from the health of the economy to inflation to the global trade on oil prices.
http://economistsoutlook.blogs.realtor.org/2015/11/16/2015-home-buying-trend-purchasing-larger-homes/

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Previews® Luxury Market Report Fall 2015
Our bi-annual report on Luxury Real Estate in the US and Abroad.
http://www.previewsinsideout.com/

___________________________________________________________

U.S. Home Sales Expected to Uptick in 2016, But at Slower Pace
The National Association of Realtors (NAR) is reporting at their annual conference this week that existing-home sales in the U.S. are expected to increase in 2016 at a moderate pace; although affordability pressures from inventory shortages and rising mortgage rates could slow the potential for even stronger sales momentum.
http://www.worldpropertyjournal.com/real-estate-news/united-states/2016-home-sales-predictions-national-association-of-realtors-nar-existing-home-sales-report-november-2015-cris-deritis-moodys-analytics-jonathan-corr-ellie-mae-housing-forecast-for-2016-9499.php

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Millennials Investing in Rental Properties
For all the talk about millennials’ being slow to move toward homeownership, some young adults are drawn to real estate as an investment opportunity.
http://www.nytimes.com/2015/11/22/realestate/millennials-investing-in-rental-properties.html?emc=edit_tnt_20151120&nlid=68153968&tntemail0=y&_r=0

___________________________________________________________

TRID: A Business Opportunity?
On October 3rd the new closing process and documents known as Know Before You Owe or “TRID” was implemented.
http://economistsoutlook.blogs.realtor.org/2015/11/12/trid-a-business-opportunity/

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The Housing Market Has a Major Supply Problem
So even though home prices were rising, it wasn’t because Americans were actually rich enough to demand the construction of new housing stock.
http://fortune.com/2015/11/19/housing-market/

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Housing Starts Fall to Seven-Month Low
Housing starts in the United States fell to a seven-month low in October.
http://www.nytimes.com/2015/11/19/business/economy/housing-starts-fall-to-seven-month-low.html

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Portland’s housing authority received ‘unprecedented’ number of rent increases
New rules intended to protect renters in Portland’s red-hot housing market led to an unprecedented number of rent increases for low-income tenants, according to housing authority officials
http://www.oregonlive.com/portland/index.ssf/2015/11/portlands_housing_authority_re.html

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Seattle law requires developers to pay for affordable housing
Seattle Mayor Ed Murray signed an ordinance into law on Tuesday he says will add 6,000 living units for low-income residents over the next decade to be paid for by fees on private developers.

Read more at Reuters http://www.reuters.com/article/2015/11/18/us-seattle-housing-idUSKCN0T707820151118#EdlbiTbhRo9TBGqW.99

http://www.reuters.com/article/2015/11/18/us-seattle-housing-idUSKCN0T707820151118#7tUspwIrvD4ZwDyJ.97

___________________________________________________________

Housing crisis lands on Oregon lawmakers’ growing 2016 agenda
The announcement closed a two-hour housing committee hearing that highlighted the plight of low-income renters across the state
http://www.oregonlive.com/politics/index.ssf/2015/11/oregons_housing_crisis_crashes.html

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Are we headed for a new housing bubble?
Some yardsticks show that housing has not only come back from the worst of the Great Recession but even getting into hot territory. Is it time to worry? Yes, but not about a new bubble.
http://www.seattletimes.com/business/economy/are-we-headed-for-a-new-housing-bubble-jon-talton/

___________________________________________________________

What’s Different about the Latest Housing Boom?
After peaking in 2006, the median U.S. house price fell about 30%, finally hitting bottom in late 2011. Since then, house prices have rebounded strongly and are nearly back to the pre-recession peak
http://www.frbsf.org/economic-research/publications/economic-letter/2015/november/what-is-different-about-latest-housing-boom-mortgage-debt-ratio/?utm_source=mailchimp&utm_medium=email&utm_campaign=economic_letter-2015-11-16

___________________________________________________________

Millennials are making their move in the housing market
When it comes to the housing market, increasingly it’s all about the millennial.
http://www.dallasnews.com/business/residential-real-estate/20151115-millennials-are-making-their-move-in-the-housing-market.ece

___________________________________________________________

Consumer Price Index: Higher Rates in Sight?
Inflation is nonexistent with no changes to the consumer price index from one year ago. Some components are, however, making marked changes. Gasoline prices are 27 percent below one year ago, rents are rising at near 4 percent, and medical care service prices are beginning to firm up after several years of slowing inflation.
http://economistsoutlook.blogs.realtor.org/2015/11/17/consumer-price-index-higher-rates-in-sight/#sf15383036

___________________________________________________________

Contract Settlement Issues: Financing and Appraisals are Major Issues
In reporting on their last contract that went into settlement or was terminated over the period July-September 2015, REALTORS® reported that 64 percent of contracts were settled on time, 30 percent had delayed settlement, and six percent were terminated,
http://economistsoutlook.blogs.realtor.org/2015/11/17/contract-settlement-issues-financing-and-appraisals-are-major-issues/#sf15371551

___________________________________________________________

3 Luxe Ski Homes in Austria’s Kitzbühel Area
Luxury homes on the market in the glamorous resort on the Austrian slopes.
http://www.wsj.com/articles/3-luxe-ski-homes-in-austrias-kitzbuhel-area-1447863230

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Tupper Lake: An Under-the-Radar Ski Destination
Outdoorsy types make for Tupper Lake, the less-famous (and less crowded) version of Lake Placid. Here, low-key luxury lodges are equipped for year-round fun
http://www.wsj.com/articles/tupper-lake-an-under-the-radar-ski-destination-1447944670

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Anatomy of a Ski Room: 8 Design Elements for Slope-Side Living
In Montana’s Yellowstone Club, Frank McCourt, former owner of the L.A. Dodgers, and his new bride have an area dedicated to ski-in, ski-out access
http://www.wsj.com/articles/anatomy-of-a-ski-room-8-design-elements-for-slope-side-living-1447861954

___________________________________________________________

Architect Chad Oppenheim Goes Rustic With His Aspen Home
In the Colorado capital of luxury ski retreats, the architect clads his house in salvaged barn wood
http://www.wsj.com/articles/architect-chad-oppenheim-goes-rustic-with-his-aspen-home-1447946803

___________________________________________________________

Economic and Housing Outlook
These slides are from NAR Chief Economist Lawrence Yun’s economic and housing outlook presentation from the NAR Annual Meeting in San Diego, CA, on November 13, 2015.
http://www.realtor.org/presentations/economic-and-housing-outlook#sf15335908

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Sales to First-Time Buyers: 29 Percent of Sales in September 2015
The share of first-time home buyers has remained essentially unchanged for the last five years. First-time home buyers accounted for 29 percent of existing home sales in September 2015
http://economistsoutlook.blogs.realtor.org/2015/11/13/sales-to-first-time-buyers-29-percent-of-sales-in-september-2015/#sf15262098

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Redfin founder calls his new Seattle real estate startup a ‘Zestimate killer’
Surefield, an online Seattle real estate company that helps homeowners sell their homes, on Wednesday rolled out a free home pricing tool called Pricepoint.
http://www.bizjournals.com/seattle/blog/techflash/2015/11/redfin-founder-calls-his-new-seattle-real-estate.html?ana=e_tf&s=newsletter&ed=2015-11-18&u=iT6Ej9T4EYz1%2FuAD4leF5qEYhm3&t=1448030550

___________________________________________________________

Most Prestigious Companies to Intern For
Vault asked thousands of current and former interns which employers have the most prestigious internships. Vault’s Most Prestigious Companies to Intern For represent the employers whose internships were rated highest in prestige.
http://www.vault.com/internship-rankings/most-prestigious-companies-to-intern-for?pg=2

___________________________________________________________

Number of First-Time Home Buyers Falls to Lowest Levels in Three Decades
Figure represents third straight annual decline and lowest percentage since 1987
http://www.wsj.com/articles/number-of-first-time-home-buyers-falls-to-lowest-levels-in-three-decades-1446735604

___________________________________________________________

The MarketPulse
The MarketPulse provides monthly insight into the current and future health of the U.S. economic climate with particular focus on housing and mortgage metrics
http://www.corelogic.com/about-us/researchtrends/the-marketpulse.aspx#.VNVmOPmjNpU

___________________________________________________________

CoreLogic Home Price Insights
The most geographically comprehensive and current home price index.
http://www.corelogic.com/about-us/researchtrends/corelogic-home-price-insights.aspx?WT.mc_id=crlg_151103_aHqc0&elq=d6379903117d41bcbe7b9f6a82f2189a&elqCampaignId=2692&elqaid=7659&elqat=1&elqTrackId=097f671c98fc48249757d8ddbd229326#.Vj1WlvnnuUl

___________________________________________________________

HOUSING STATISTICS
Housing Statistics offers 43 different sets of data, downloadable either as Excel or PDF files (updated weekly). Housing data and primary indicators of the industry are housed in one easy-to navigate location containing historical and current sets of statistics such as: Housing Starts (by Region & Structure Type), Homes Sold by Region, Producer Price Indexes (for Building Materials), Manufactured Homes, New Home Characteristics, Residential Vacancy & Absorption Rates, Units Under Construction, Value of New Construction, and many more.
http://www.nahb.org/reference_list.aspx?sectionID=819&channelID=311

___________________________________________________________

Bureau of Economic Analysis
U.S. Economy at a Glance
http://www.bea.gov/index.htm

___________________________________________________________

U.S. Housing Market Tracker
The U.S. housing market has struggled to find equilibrium after the bubble of the past decade. Here’s a look at where various gauges of supply and demand stand today.
http://graphics.wsj.com/us-housing-market/

___________________________________________________________

Mortgage Market Survey Archive
Compilation of Weekly Survey Data for 2015
http://www.freddiemac.com/pmms/archive.html

Relevant News Links – November 13th 2015

RNL

“You have to learn the rules of the game. And then you have to play better than anyone else”.  –Albert Einstein

_____________________________________________________________________

Coldwell Banker Home Listing Report
Coldwell Banker Home Listing Report, the most extensive home price comparison tool in the United States. The annual report includes market data for more than 2,700 real estate markets nationwide, analyzing more than 81,000 similar-sized four-bedroom, two-bathroom homes
https://www.coldwellbanker.com/hlr/2015

_____________________________________________________________________

Which city has the best housing deals?
Along with the housing recovery has come a steep climb in home values and ever-weakening affordability.
http://www.cnbc.com/2015/11/10/which-city-has-the-best-housing-deals.html

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Here’s How Much You Need To Save For A Down Payment In America’s Biggest Cities
Long before you can buy a house and say farewell to landlords for good, you have to save up for a down payment.
http://www.forbes.com/sites/laurengensler/2015/11/11/home-ownership-down-payment-us-cities/?ss=real-estate

_____________________________________________________________________

Mortgage rates pushed upward following strong employment data
Mortgage rates continued to move higher in anticipation of a Federal Reserve rate hike next month, according to the latest data released Thursday by Freddie Mac
https://www.washingtonpost.com/news/where-we-live/wp/2015/11/12/mortgage-rates-pushed-upward-following-strong-employment-data/

_____________________________________________________________________

New rules for lenders seem to be raising costs for mortgage customers
It has been barely two weeks since the nationwide changeover in mortgage and settlement procedures took effect, but early results are trickling in: Lenders and brokers say just about everything is taking longer, and the costs to home buyers are moving up.
https://www.washingtonpost.com/realestate/new-rules-for-lenders-seem-to-be-raising-costs-for-mortgage-customers/2015/10/13/676d44b4-70f3-11e5-8248-98e0f5a2e830_story.html

_____________________________________________________________________

Home Sales Profits Up While Appreciation Slows Down: RealtyTrac
Profits on home sales reached their highest point in eight years in the third quarter despite a slowing-down of appreciation rates, according to RealtyTrac’s U.S. Home Sales Report.
http://www.nationalmortgagenews.com/news/origination/home-sales-profits-up-while-appreciation-slows-down-realtytrac-1065370-1.html

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Home-Price Growth Cooled a Bit This Summer, Realtors Say
Home-price growth cooled during the height of the summer, according to a report released Thursday, an indication that the market will improve at a more modest clip in the latter half of the year
http://blogs.wsj.com/economics/2015/11/12/home-price-growth-cooled-a-bit-this-summer-realtors-say/

_____________________________________________________________________

Fannie Mae: Consumer confidence in housing market fell in October
Survey results show that consumers felt September was better market
http://www.housingwire.com/articles/35562-fannie-mae-consumer-confidence-in-housing-market-fell-in-october

_____________________________________________________________________

Zillow Group ‘significantly exceeds’ own expectations, sees revenue grow 13%
But records net loss of $21.4 million
http://www.housingwire.com/articles/35522-zillow-group-significantly-exceeds-own-expectations-sees-revenue-grow-13

_____________________________________________________________________

Airbnb vows to crack down on speculators who may drive up housing costs
Airbnb, fresh off waging — and winning — a political brawl in San Francisco last week, struck a more conciliatory tone on Wednesday with the cities where its fast-growing home-sharing service has blurred the lines between the hotel and housing markets
https://www.washingtonpost.com/news/wonk/wp/2015/11/12/airbnb-vows-to-crack-down-on-speculators-who-may-drive-up-housing-costs/

_____________________________________________________________________

A Record Share of Young Women Are Living at Home
The Great Recession nudged many millennials back to their parents’ homes, but a new analysis from the Pew Research Center shows the shift has been especially pronounced for young women.
http://blogs.wsj.com/economics/2015/11/11/a-record-share-of-young-women-are-living-at-home/

_____________________________________________________________________

Young Adults Are Living With Their Parents, But Not As Much As (Or Why) You Think
Young Americans are living with their parents in greater numbers, but don’t blame the economy or housing costs. Blame student loans.
http://blogs.wsj.com/economics/2014/10/29/young-adults-are-living-with-their-parents-but-not-as-much-as-or-why-you-think/

_____________________________________________________________________

Cashing in on Home Equity
Rising home prices are raising equity levels, and homeowners are cashing in on these gains.
http://www.nytimes.com/2015/11/15/realestate/cashing-in-on-home-equity.html?emc=edit_tnt_20151113&nlid=68153968&tntemail0=y&_r=0

_____________________________________________________________________

Stronger Dollar Emboldens More Americans to Seek European Dream Home
The dollar’s climb against the euro, combined with listless prices in some European markets, has led to a sharp rise in Americans seeking a second home on the Continent.
http://www.nytimes.com/2015/11/12/your-money/stronger-dollar-emboldens-more-americans-to-seek-european-dream-home.html?emc=edit_tnt_20151111&nlid=68153968&tntemail0=y

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America’s Most Glamorous Trailer Park
In Malibu, Paradise Cove has million-dollar views, hip residents and a location on one of the world’s most iconic beaches.
http://www.nytimes.com/2015/11/11/t-magazine/paradise-cove-malibu-million-dollar-trailer-parks.html?emc=edit_tnt_20151111&nlid=68153968&tntemail0=y

_____________________________________________________________________

Existing-Home Sales on Track for Further Expansion in 2016
Following the housing market’s best year since the recession, existing-home sales are expected to increase in 2016 at a moderate pace; although affordability pressures from inventory shortages and rising mortgage rates could slow the potential for even stronger sales momentum, according to an economic forecast forum here at the 2015 REALTORS® Conference & Expo
http://www.realtor.org/news-releases/2015/11/existing-home-sales-on-track-for-further-expansion-in-2016

_____________________________________________________________________

How Parents Can Help With Jumbo Mortgages
It’s one thing to ask mom and dad to co-sign a car loan. Getting them to co-sign a jumbo mortgage is a tougher sell all around.
http://www.wsj.com/articles/how-parents-can-help-with-a-home-loan-1447342246

_____________________________________________________________________

The Parking Premium: How Mega-Size Garages Affect Home Prices
Asking prices rise with the number of parking spots, but not all spaces are created equal
http://www.wsj.com/articles/the-parking-premium-how-mega-size-garages-affect-home-prices-1447343924

_____________________________________________________________________

Charlton Heston’s Midcentury Modern Home Goes on the Market
The ‘Ben-Hur’ star built the Los Angeles home in the late 1950s, and lived there until his death in 2008.
http://www.wsj.com/articles/charlton-hestons-midcentury-modern-home-goes-on-the-market-1447428436

_____________________________________________________________________

These are the best-educated neighborhoods in Washington state
Washington’s best-educated neighborhoods aren’t always the most prosperous. And they’re not all in the Puget Sound region, either.
http://www.bizjournals.com/seattle/blog/2015/11/these-are-the-best-educated-neighborhoods-in.html?iana=ind_rre

_____________________________________________________________________

It’s Back: (Second) Most Expensive Home Relisted at $159 Million
It’s natural to wonder what you get when you buy a $159 million house.
http://www.forbes.com/sites/betsyschiffman/2015/11/11/its-back-florida-home-relisted-at-159m/?ss=real-estate

_____________________________________________________________________

Most expensive neighborhoods in Washington state to buy a home
There’s one Washington state city where home prices are so high, they rank in the top 25 highest in the country.
http://www.bizjournals.com/seattle/morning_call/2015/11/these-are-the-top-10-most-expensive-washington.html?ana=e_sea_rdup&s=newsletter&ed=2015-11-11&u=ynKEvuaOP4SC/twK08H9GTqBCuk&t=1447368995

_____________________________________________________________________

Micro Living: How One Woman Saved $300K By Moving Into An 84-Square Foot Home
For nearly a dozen years, she’s been pioneering a new kind of American dream by dumping her possessions and moving into a 84 square foot trailer
http://www.forbes.com/sites/elizabethharris/2015/11/11/how-to-fix-an-ailing-heart-try-12-years-in-an-84-square-foot-house/?ss=real-estate

_____________________________________________________________________

CoreLogic Home Price Insights
The most geographically comprehensive and current home price index.
http://www.corelogic.com/about-us/researchtrends/corelogic-home-price-insights.aspx?WT.mc_id=crlg_151103_aHqc0&elq=d6379903117d41bcbe7b9f6a82f2189a&elqCampaignId=2692&elqaid=7659&elqat=1&elqTrackId=097f671c98fc48249757d8ddbd229326#.Vj1WlvnnuUl

_____________________________________________________________________

Home Prices Are Rising Faster Than You Think
However, the price changes that matter – the real or inflation adjusted changes – may be higher than many suspect. Backing out inflation, as shown in the chart, gives real increases averaging 6.3% annually
http://www.housingviews.com/2015/10/19/home-prices-are-rising-faster-than-you-think/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+HousingViews+%28HousingViews+-+S%26P%27s+Blog+on+the+Housing+Market%29

_____________________________________________________________________

Home-Loan Borrowers Bypass the Banks
Almost half of home-purchase loans now come from independent mortgage companies, which say they can offer faster, cheaper loans.
http://www.wsj.com/articles/home-loan-borrowers-bypass-the-banks-1446651048

_____________________________________________________________________

Luxury Homes With Nature Preserves
Some developers are dedicating part of their land to nature preserves, hoping to draw in people with a passion for the environment and the outdoors
http://www.wsj.com/video/luxury-homes-with-nature-preserves/455D8DB2-B93E-4665-80D7-7CFF3EBD9F4F.html

_____________________________________________________________________

Number of First-Time Home Buyers Falls to Lowest Levels in Three Decades
Figure represents third straight annual decline and lowest percentage since 1987
http://www.wsj.com/articles/number-of-first-time-home-buyers-falls-to-lowest-levels-in-three-decades-1446735604

_____________________________________________________________________

The MarketPulse
The MarketPulse provides monthly insight into the current and future health of the U.S. economic climate with particular focus on housing and mortgage metrics
http://www.corelogic.com/about-us/researchtrends/the-marketpulse.aspx#.VNVmOPmjNpU

_____________________________________________________________________

HOUSING STATISTICS
Housing Statistics offers 43 different sets of data, downloadable either as Excel or PDF files (updated weekly). Housing data and primary indicators of the industry are housed in one easy-to navigate location containing historical and current sets of statistics such as: Housing Starts (by Region & Structure Type), Homes Sold by Region, Producer Price Indexes (for Building Materials), Manufactured Homes, New Home Characteristics, Residential Vacancy & Absorption Rates, Units Under Construction, Value of New Construction, and many more.
http://www.nahb.org/reference_list.aspx?sectionID=819&channelID=311

_____________________________________________________________________

Bureau of Economic Analysis
U.S. Economy at a Glance
http://www.bea.gov/index.htm

_____________________________________________________________________

U.S. Housing Market Tracker
The U.S. housing market has struggled to find equilibrium after the bubble of the past decade. Here’s a look at where various gauges of supply and demand stand today.
http://graphics.wsj.com/us-housing-market/

_____________________________________________________________________

Mortgage Market Survey Archive
Compilation of Weekly Survey Data for 2015
http://www.freddiemac.com/pmms/archive.html