Good morning to a New Month of exciting potential;
Residential Lending
Fruits of preparation & Smart Buying – Call us. Call now.
Headlines can be confusing. To bring clarity, let’s check the rear-view mirror for some helpful perspective. Let’s look at Existing Home Sales and changes in the market – using December NAR numbers for 2024 vs December 2025.
Sold above list price: 16 %, no change.
Cancellations : 5 %, no change.
Waived inspections: from 20 % to 18 %.
Waived appraisal: from 18 % to 19 %.
Avg offers per home: 2.2, no change.
Days-on-market: 35 to 39.
Investor: from 16 % to 18 %.
Cash buyers: 28 %, no change.
1sr time homebuyers: from: 31 % to 29 %.
Homeowners – nationwide: average home equity increased by $150,000 over the past 5 years.
Key: Find a financial professional who cares about you, as their first priority, Call today.
Worthy of note: Signed contracts for December dropped compared to November. A warm November did extended the typical Fall buying season, plus anticipation of lower mortgage rates. Not withstanding, we did have serious winter storms in many areas. Let’s hold out for January data before we call the housing market down. I sense increased pent up demand.
Need a unique interesting Loan programs?
Always check with us. If you find yourself in a need of special financing or lost your current specialized lender, or have a friend not quite fitting into the conventional box. Call us.
You hold crypto? We have lending partners willing to consider their value, with some restrictions – assets to close, assets for translating to income. The market dynamics change and we have lenders changing with the times.
General News from the Nationwide Landscape
1) Mortgage Rates: Home buying season is warming up. Good News: Home loan rates – tracking the 30-year fixed-rate full income documentation standard – continues to hold against the lowest rates of the past year. Sound interesting? Give a CALL.
Each of us is on a different track to home ownership. Please know this: The early work secures for you, the best options – both for financing and for any and all offers you make. It is the best way to put the percentages on your side. You can become the “better” shopper – before buying. We can help you now, before you make your first offer.
My Best Advice:
Make this month your month to prepare.
Preparation is key to the home you want.
We can show you how to buy now and still enjoy future rate cuts. CALL!
2) Economy:
A) Economic Activity: While consumers appear to be in a foul mood, income is up the past 2 years. Keeping ahead of inflation. People are spending plus the savings rate is running a (good in the US) 3.5 % pace.
PPI (Producers Price Index) stayed flat and Core up a bit. Wholesale machinery was the part in December holding the indexes up, when the market was expecting a decline. Goods prices were flat.
B) Employment: So-so. Alternative sources (Revelio, JOLTS, Challenger) all pointing to softer numbers. Less openings, less hiring, increases in layoffs. Yet, by all accounts the news is most employers are holding onto workers, and not expanding their respective workforces.
C) Debt: Mostly meeting expectations. On one hand the expectation is for a great year in income tax collection, while the estimates are for most people to receive larger refunds. Refunds due to OMMMB tax policy and the great stock market generating capital gains taxes. Add to the mix the upcoming new Fed chair who is pro leaning for a reduction in the Fed balance sheet. Don’t over anticipate changes to mortgage rates, near term.
Residential Real Estate
Loan spotlight: Numerous variations of income qualifying are available once again. From our traditional full income documentation to stated income, using assets as income, and Overtime, RSU’s and more. Let’s talk before acting.
Good news:
Commercial Real Estate: Gaining the upper hand
Excellent investment opportunities are at hand.
Call now. Early Preparation Is Key – Start Now
Manufacturers: SBA has increased the loan limits 2X! Great news for manufacturers, especially of SBA 504 loan program. Please call for all the many positive benefits. Go small business, the true heart of the American spirit – Made In America!
Rents, Rates and Inflation: Not giving up much. Trending sideways with a slightly negative overall direction. Deflation? Some, but little overall.
What makes us special in What we do
Our work begins and ends with you. We meet each person where they are. Offering effective guidance leading to solid, stable, and actionable options and choices. All with a uniquely individual flavor. Give a ring today. Let us help build a solid path for you and those you care about. “Preparation and Patience” wins. Benefiting our clients, we develop relationships far and wide – over the decades. With each relationship, comes different tools and financing options. My “Associates” are one such special tool, bringing a more comprehensive financial approach to your plans and strategies. People working with people.
More tools:
– 1031 Exchange: Standard, construction, reverse. With rates falling, this will become more significant.
– Privacy: An LCC business manager, signed papers for a very high, net-worth individual desiring name privacy.
– Pay Capital Gains or Not: A powerful legal strategy whereby capital gains taxes are deferred and remain fully available for a similar re-investment. The beauty: IRS-approved tool to shelter against a sizable income tax bills. Don’t miss out. Keep your money working for you. CALL Today.
Options are far and wide. It begins with OUR first Conversation.
We love to flush out all potential option with a full range of best choices.
Preparing for your tomorrow
Let’s start today.
We look forward to meeting with you, on the phone or face-to-face. Here we can talk through questions, thoughts, and solutions. All in the name of serving you best, with no surprises..
We know what’s most important: Those we have around us. Be well and be safe! Enjoy your family and friends.
