Jeff Lazerson: If you want to refinance, do it now. If you want to sell, sell now. If you are going to buy, plan on holding for at least five years.
The automated waiver fails to answer several key questions: Was the property ever updated? Is there deferred maintenance? Did someone rip out the fixtures and fail to replace them?
When home prices flatten or decline, there is a synergistic effect as distressed sales and foreclosures cannot be ignored when considering comparable sales or comps. The loftier the home price point and its accompanying loftier loan, the more potential hit taxpayers will take on a defaulted Freddie loan.
For the 2020-2021 fiscal year, California had 9,442 licensed appraisers, according to Monica Vargas, deputy director, communications at the California Department of Consumer Affairs. As the market crashed, the state hadYou need a bachelor’s degree and 1,500 hours of apprenticeship to get an appraiser’s license, according to Siegel at HVCC Appraisal Ordering. And, you have about one-third more work to do on each appraisal compared with 2010, thanks to hinky mortgage tactics before the recession.
Orange County’s median home price is almost a million bucks, hovering at $985,000. That’s half of the OC homes above and half below that mark.This week Freddie Mac’s mortgage rate survey indicates the 30-year conforming fixed-rate rose to 4.16%, its highest level since May 2019. The Mortgage Bankers Association reported a 1.2% decrease in mortgage application volume from the previous week.
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