Home Mortgage information

Home Mortgage Information That

While policy changes in Washington slated to take effect in 2014 will no doubt have an impact on the housing market in terms of home prices, interest rates and general affordability, that doesn’t mean obtaining a mortgage will be out of reach.

Zillow, an industry-leading online real estate blog, predicted in early December that U.S. home values will increase by 3%, on average, in 2014. Though a 3% gain for the entire year is less than the 5% year-over-year increase in home values recorded for 2013, this modest growth represents an increase that is much closer to historic norms, said Zillow’s Chief Economist Dr. Stan Humphries.

“In 2013, home values rose rapidly—about 5% nationwide and more than 20% in some local markets. These gains, while beneficial in many ways, were also unsustainable and well above norms for healthy, balanced markets, ” Humphries says.

It is important to note that home values rise at different rates from metro-to-metro, however, and Zillow has made a few bold predictions as to where the hottest housing markets in 2014 will be, with Salt Lake City, Seattle and Austin, Texas, leading the charge.

Recent announcements from the Federal Reserve will also cause some upward pressure on mortgage rates next year, but there remains a silver lining that can still help you in obtaining a mortgage.

Getting a mortgage with rising rates

Despite recent announcements from the Federal Reserve, though they will likely force mortgage rates to rise throughout 2014—potentially hitting the 5% range for the first time since 2010, according to Zillow’s predictions—you will still be able to get a mortgage that is relatively low when compared to historic rates.

If the average 30-year fixed rate mortgage rate rises to 5%, as Zillow expects it to, the monthly payment on a home worth $200, 000 will rise by roughly $160. While this appears to make financing a home purchase more expensive, what’s important to note is that mortgage rates in the 5% range are still very low.

“Because affordability is still high in most areas relative to historical norms, rising rates won’t derail the housing recovery, ” says Zillow’s Director of Mortgages Erin Lantz.

So what does this mean for you?

As the housing market continues its recovery with both home prices and mortgage rates rising, holding off on this decision for too long could make affording a home more expensive if you decide to wait weeks or months.

A main reason for this is largely due to fluctuating mortgage rates, which rise and fall on a daily basis.


Atlantic Publishing Group Inc. The Home Mortgage Book: Insider Information Your Banker & Broker Don't Want You to Know
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