To refinance or not to refinance, that is the question. How do you know when it is an appropriate time to refinance? Many factors influence this decision, besides just the cost of the mortgage loan. Here is a checklist to follow when considering a refinancing opportunity. Check Your Credit Score Refinancing is similar to getting the original home loan. The lenders will run a credit check and verify your current income. Your total debt level and your credit history are both important. If you have … [Read more...]
What Is Pooled-Funds Investing?
Under the Jumpstart Our Business Startups (JOBS) Act, which was signed into law by President Obama on April 5, 2012, the Securities Exchange Commission (SEC) relaxed the rules about advertising investments. This allowed the trend of crowdfunding to expand dramatically giving real estate investors more opportunities for pooled-funds investing. What Is Polled-Funds Investing? A pooled investment fund takes in money from a group of investors to use to acquire real estate for larger amounts than … [Read more...]
Disruptive Technology And The Real Estate Market
Recent advancements in technology continue to disrupt the real estate market. This includes the use of "Big Data" for data mining, artificial intelligence combined with machine learning, augmented and virtual reality, use of drones, blockchain technology, and the ongoing deployment of 5G. The Use Of Big Data Consumers have access to more information about real estate market conditions because of the collection and online presentation of the results of data mining "Big Data." For example, it is … [Read more...]
The Narrowing Gap Between Renting And Buying A Home In The US
According to data compiled by Realtor.com in the fourth quarter of 2019, it is still more affordable overall to rent versus buy a home -- but just barely. The median monthly mortgage payment at the end of 2019 was $1,600, while the median monthly rent payment was $1,319. This is largely due to steadily-increasing rates, rising home prices, and near-record-low mortgage rates. The Realtor.com study looked at 593 counties across the country. As compared to the fourth quarter of 2018, the average … [Read more...]
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