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Student Debt Starting To Hurt Housing and Mortgage Markets | The Real Estate Bloggers

We have been saying that one of the great risks to the housing recovery is the huge increase in student debt over the past decade. If the universities get the youth to finance their education they will not be in a position to buy, and borrow, for a home. It is not rocket science…

Now the New York Federal Reserve is chiming in and showing that this is starting to happen

click for the rest of the story from Tom Royce at the Real Estate Bloggers

What the Case Shiller Report is Actually Telling Us

What the Case Shiller Report is Actually Telling Us

Case Shiller released their latest Home Price Index yesterday. The headlines that followed were true but, in our opinion, a little misleading. Here are some of the highlights of the report that have dominated major media coverage:

Home prices rose 5.5% in the 12 months ending in November 2012 (the latest data available).

In the 12 months ended in November, prices rose in 19 of 20 cities.

Housing is clearly recovering. Prices are rising as are both new and existing home sales.

Great news for the housing industry. Realize however that all the highlights mentioned above refer to
year-over-year

What is NOT Being Reported

There is another finding in the report that hasn’t garnered many headlines – month-over-month prices are softening.
There is no doubt that prices are up over the same time period last year. However, home price movement is seasonal. During the winter months for each of the last three years, prices have softened. That is taking place again this winter. As the report states:

“Winter is usually a weak period for housing which explains why we now see about half the cities with falling month-to-month prices compared to 20 out of 20 seeing rising prices last summer.”

This does not mean the housing recovery is slowing. It just means that home values are following their historic trend. As explained in the report:

“The better annual (year-over-year) price changes also point to seasonal weakness rather than a reversal in the housing market.”

If you are thinking of selling, you really need to know what will happen to home values in the short term. Prices, based on history, will soften over the next several months in many markets. Therefore, if your plan is to move by next summer, waiting for higher prices before putting your house on the



market may not make sense.

click here for the case shiller report.
neal Paskvan is a member of  kcm  and a real estate broker with baird and warner in Downers Grove

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Hot Deals Vaude Child Jolly Comfort Carrier Backpack (Brown, 20 L) for CDN$ 324.83

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This comfortable beast of burden is one of Vaude's top selling child carriers. Jolly Comfort grows with your child and can safely carry children up to 20 kg. With the tried and tested Tergoform suspension system, it its securely and has a wide range of features. Meets CPSIA. Maximum Age: 3 years; Maximum Load: 20 kg / 44 lb; Weight: 3200 g / 7 lb 1 oz

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First-Time Home Buyer Expense Checklist

Buying your first home is one of life's major events. It's easy to get caught up in the euphoria of the decision and overlook the reality that it costs a significant amount of money not only to buy a home, but to keep it and maintain it.  Think about
Maintenance- Insurance- Property Tax- Earnest Money- Down Payment- Closing Cost.  Contact me and I’ll sent you a worksheet to help you figure it all out.!   neal.paskvan@bairdwarner.com 
Click here for the rest of the story