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El boom de las solicitues de refinanciamiento. ¿Cómo está impactando esto al mercado?

 

El boom de las solicitues de refinanciamiento. ¿Cómo está impactando esto al mercado?

Sep 14, 2020 | Casas para la Venta, Compradores, Invertir, Mercado, Orlando

 

 

 

 

 

El mercado hipotecario registró su mejor trimestre en años esta primavera, un reflejo de cómo el mercado de la vivienda se mantiene en auge en 2020 incluso cuando gran parte de la economía se tambalea.

 

Los bancos y financiadoras han emitido 1.1 billones de dólares en préstamos hipotecarios entre abril y junio, de acuerdo con la firma de datos hipotecarios Black Knight Inc. Ese fue el trimestre más grande en los registros de la compañía, que datan desde el año 2000.

 

Los prestamistas otorgaron aproximadamente 2.5 billones de dólares en préstamos hipotecarios en todo 2019.

 

Las solicitudes para refinanciar préstamos hipotecarios, que se incrementaron en más del 200% con respecto al año anterior, impulsaron el aumento. Las tasas de intereses hipotecarias alcanzaron nuevos mínimos, varias veces este año, cayendo por debajo del 3% por primera vez en julio. Las bajas tasas han hecho que millones de estadounidenses más sean elegibles para acceder a una mejor tarifa en sus pagos mensuales. Las hipotecas de compra, sin embargo, cayeron un 8% respecto al año anterior.

 

De acuerdo con el analisis de una caso en concreto realizado por una página web de real estate, una pareja cerró su refinanciamiento en abril, cambiando su préstamo de la Administración Federal de Vivienda por uno convencional. Eso les dió una tasa de alrededor 3%, baja en más de 1 punto porcentual que la anterior y no tuvieron que pagar el seguro hipotecario de la FHA. Eso redujo drásticamente el pago mensual de su casa de al alrededor de $2,000 a aproximadamente $1,500.

Esta familia, manteniendo sus trabajos durante la pandemia de coronavirus, pueden usar parte de la diferencia para cubrir otros costos y actividades de su hogar.

 

 

 

 

 

La respuesta del mercado hipotecario a la pandemia es el último de una serie de indicadores aparentemente opuestos de la salud financiera de los estadounidenses.

 

A muchos inquilinos les preocupa ser desalojados después de perder sus trabajos o recibir recortes salariales. Muchos propietarios sin trabajo se mantienen a flote por ahora, pero solo porque los prestamistas les permiten omitir temporalmente los pagos de la hipoteca.

 

Mientras tanto, a muchos estadounidenses con mayor poder adquisitivo, con trabajos estables, atascados en casa con menos lugares para gastar dinero, les está yendo bien. La pandemia y las bajas tasas récord han empujado a muchos de ellos a comprar segundas viviendas en áreas más rurales o buscar casas con más espacio.

 

Las ventas de viviendas aumentaron casi un 25% en julio, la mayor ganancia mensual registrada. Los precios de las viviendas han seguido subiendo incluso durante la pandemia, lo que ha alejado aún más la propiedad de viviendas para muchos estadounidenses.

 

“Este auge en la originación de hipotecas no necesariamente será tan asombroso para la economía en general”, según expresó Ralph McLaughlin, economista jefe de Haus, una startup de financiamiento de viviendas. “Hay menos efecto multiplicador en la economía cuando alguien refinancia en lugar de comprar una casa”.

 

Es más, el catalizador de las tasas bajas, una economía débil, es la misma fuerza que ha causado que millones de estadounidenses pierdan sus trabajos. La Reserva Federal, preocupada por las consecuencias de la economía, redujo las tasas de interés (comercial) a casi cero a principios de este año y comunicó que compraría una cantidad esencialmente ilimitada de valores respaldados por hipotecas.

 

Los inversores en incertidumbre también están impulsando las bajas tasas hipotecarias. Las tasas hipotecarias tienden a moverse en la misma dirección que el rendimiento de la nota del Tesoro a 10 años. Los rendimientos caen cuando los inversores ansiosos claman por activos seguros como los bonos del Tesoro.

 

El mercado hipotecario se había disparado antes de la pandemia. Las solicitudes del año pasado alcanzaron su nivel más alto desde 2006, según el grupo de investigación de la industria Inside Mortgage Finance.

 

Luego, a principios de esta primavera, las ventas de viviendas cayeron drásticamente cuando la pandemia golpeó directamente a los hogares.

 

Poco después, muchos prestamistas hipotecarios se vieron abrumados por una avalancha de solicitudes de refinanciamiento y compra de aquellos que tenían los medios para aprovechar las tasas bajas. Desde entonces, muchos bancos han aumentado su capacidad, esperando que el auge de los préstamos se prolongue hasta al menos el final del año.

 

El mercado de la vivienda se ha mantenido como uno de los sectores más resistentes de la economía a través de la pandemia, posicionándose para jugar un papel importante en una eventual recuperación.

Estaremos muy pendiente de los acontecimientos tanto económicos como del mercado de bienes raices, para publicarles la información mas acualizada que a la hora de comprar o vender te haga tener un negocio exitoso.

 

Si quieres ver casas a la venta o asesorarte sobre la tasa de interés que calificas, contáctame en la forma al final de este artículo o escribiendo directamente a asprealty321@gmail.com / 321.460.3208

Search for homes on my Facebook page! Feel free to contact me or schedule a showing.

 Search for homes on my Facebook page! Feel free to contact me or schedule a showing.

Start searching now: https://go.homeasap.com/homesearch/405161708318

1Angel Sepulveda

The perfect patio is in your future, you just need the perfect real estate agent to find it! Get ready to relax in your dream backyard. Call me today.

 The perfect patio is in your future, you just need the perfect real estate agent to find it! Get ready to relax in your dream backyard. Call me today.  

  

Angelo Sepulveda License #: 3450423 407 Hub Real Estate  Cell: (321) 460-3208 Business: (407) 574-8800 Email Us: asprealty321@gmail.com                  angelrealty321.blogspot.com/

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3 Ways to Build Home Equity

 

I hope your month is off to a great start! Whether you’re thinking about finances, getting ready for school, or thinking about adopting a new puppy, I’ve shared some information below that you may find useful. In the meantime, if you or someone you know is thinking about buying or selling a home, let me know.

 

3 Ways to Build Home Equity Buying a home is a big step for both your family and your financial well being. As you pay off your mortgage, you begin to build equity in your home. Equity is the difference between the market value of your home and how much you still owe. If that number is positive, you’ve built equity, which can come in handy if you ever need to take out a loan or as a profit when you decide to sell your home. Here are some ways you can build equity in your home faster. Pay More You have a certain amount that you’re required to pay on your mortgage each month, but you don’t have to stop at the minimum. A large portion of mortgage payments covers interest and insurance. Upping your payment to pay down your principal loan amount will speed up your payment schedule. Even an extra $50 a month can have a big impact. Upgrade The amount of equity you have in your home depends on what your home is worth, so making upgrades that increase the value of your home is another way to increase your equity. One of the most lucrative upgrades you can make is replacing old garage doors. Just be sure to do your research when upgrading your home to see which renovations offer the greatest return on investment. Restructure Your Mortgage If you initially signed up for a 30 year mortgage, but are now at a point where you want to pay your loan off faster, you may benefit from switching to a 15-year plan. You’ll pay more each month, but you’ll pay less interest over time and could pay off your mortgage years ahead of schedule.

 

Creating a Dedicated Learning Environment Whether your kids are going to school in person, virtually, or will be home schooled, now is the perfect time to create a dedicated learning environment for your children to study and do their school work. Here are some tips to create a study space for any age. Remove Distractions Children receive a lot of structure at school. School bells keep everyone in sync, rules banning cell phones keep everyone on task, and classrooms keep each grade separate from other classes to help cut down on distractions. While you don’t have to go quite that far at home, try to set up your learning space where your kids won’t have to worry about noise from phone calls, TVs, or other distractions. Get Organized Searching for missing objects can be a huge time drain. Make sure you and your kids know where their books, papers, highlighters, and other important study items are located by getting organized. Baskets, shelves, and binders are all great tools to help keep school items organized. Multiple Spaces Sitting in the same spot all day is no easy feat, especially for a child. Create different spaces for learning different subjects. For example, while math may be best studied at a desk, reading can be productive on the couch, a bean bag chair, or even outside.

What does your summer have in store? Are you getting ready to move to a new home or just looking for ways to help keep your family healthy as cold and flu season approaches? Find tips to help you manage your goals this summer below

 

How to Move While Social Distancing Summer is one of the most popular times to move, but how do you gather your friends, family, or hired movers together safely while practicing safe social distancing? Whoever you recruit to help move your belongings from point a to point b, here are some tips to help you and your family stay safe. Provide Essentials. Make sure you have soap, water, hand sanitizer, masks, gloves, and shoe covers available during your move. These items, when used correctly, can help prevent the spread of germs. Set Some Ground Rules. Whether the people helping you move are there as volunteers or earning a living, you should take charge and outline basic precautions you want everyone to use. Ask your helpers to wear a mask, wash or sanitize their hands often, and stay 6 feet apart whenever possible. Use New Boxes Experts estimate that cardboard can carry COVID-19 for 24 hours, so it may be best to invest in new boxes instead of opting for used boxes for your next move. You can purchase moving boxes from most moving or storage companies. Sanitize Before and After the Move Sanitize your furniture, boxes, and household touch points before your moving help arrives to help create a safe moving environment. You should also sanitize these items after unloading them at your new house. What You Need to Know about Gift Letters Buying a house can involve a lot of up front expenses. It can be hard to save up enough cash to cover inspections, closing costs, and down payments all on your own, especially while paying other expenses such as rent, student loans, and car payments. It’s not uncommon for loved ones to offer to help ease the financial burden, but before you accept cash to help buy your home, you’re going to need a gift letter.  Gift letters are documents stating that someone, often a parent or other family member, is giving a mortgage applicant money to help them purchase a home. The gift letter will typically include who is giving the money, who is receiving the money, the amount being gifted, and a statement declaring that the sum is being given with no expectation of the money being repaid. The gift letter shows your mortgage lender where that money came from and lets them know that the gifter will not be able to claim they are a lender, and therefore cannot issue a lien on the property. If you are planning to use gifted funds to help purchase your next home, make sure your lender is aware sooner, rather than later.  Protecting Your Family During Cold and Flu Season You may already have your home’s sanitation plan up and running, but if not, here are some easy tips to help keep your home spic and span during cold and flu season. Clean Common Touch Points Often! Some of the most commonly touched places in your home may be ones that aren’t on your cleaning list. Make sure door handles, stair railings, light switches, faucet handles, and drawer pulls are being cleaned at least as often as your tables and countertops. Don’t Share. Sharing doesn’t always mean caring. Make sure everyone in the household is using their own cups and utensils for eating and drinking. Also, make sure no one’s toothbrushes are touching to prevent the spread of germs. Wash Overlooked Items Purses, backpacks, shoes, and other items that make frequent trips outside your home should be washed or sanitized to ensure they aren’t harboring germs, viruses, or bacteria. Other overlooked items that could use some sanitizing include your phone, tablet, keyboard, remotes, and other electronic devices. Just remember to use an electronic safe cleaning pad to wipe down those surfaces to avoid damaging your devices. Whatever your plans look like this month, I wish you the best! And, remember, if you or someone you know is looking to buy or sell a home, let me know. I’m here to help.

Builders Offer Modern Homes: Why You Should Live in an Exclusive Community

 

Builders Offer Modern Homes: Why You Should Live in an Exclusive Community

Up to 34% of recent home buyers who bought new homes wanted to avoid problems and renovations with electricity or plumbing. So, when you want to invest in your future, do you really want to purchase a home you will need to renovate or improve? That’s a lot of hassle and can end up costing you more than you anticipated.

The alternative is to purchase a new modern home from builders that include amazing amenities and features in the homes they create. There are home builders in Kissimmee FL that offer modern luxury homes in an exclusive community. Whether you are ready to purchase your first home, a retirement home, or vacation homes for sale near Disney, you are sure to enjoy the exquisite weather that the Sunshine State affords.

You Will Enjoy Living in an Exclusive Community

When you are looking for a new place to live, have you considered living in an exclusive community? Even if you are purchasing investment homes, it’s all about the location. Exclusive communities in Orlando, FL give an experience that is second to none with the delight of the outdoors. Consider the fact that you will be living near wildlife tours, lakefront parks, beaches, and more. Builders in the Orlando area can offer you a place to live with the look and feel of modern architecture akin to a resort-style experience. Choose from open floor plans with high ceilings that exude natural light that makes home-life even more enjoyable. Top builders leave nothing to chance when it comes to comfort and style.

Why You Should Purchase an Orlando Investment Home

Orlando is the perfect place to live if you love beautiful weather and being located close to superb attractions. The weather stays pleasant so you get the ability to enjoy outdoor activities and visiting famous attractions such as the Animal Kingdom, Magic Kingdom, Epcot Center, and Hollywood Studios. Builders have built Orlando investment homes that give you the opportunity to stay in the comfort of your own home, entertain guests at local attractions, or plan fun outdoor activities including going boating.

Beyond the attractive aspects of being close to local attractions, builders have designed modern homes that offer an abode with an urban transitional style. Features make a house feel like home — and home builders understand that modern homes need a luxurious feel with superior accessories and fixtures. The goal is to provide you with a home that is lavish, contemporary, and extremely relaxing.

Ready to learn more about coming home to an exclusive community? We’re here to ensure your next house captures every feature you have in mind. Contact us today for details.

 

	Angelo Sepulveda License #: 3450423 MY REAL ESTATE GROUP CFL LLC 2032 Crosshair Circle, Orlando, FL 32837 Cell: (321) 460-3208 Business: (321) 460-3208 Email Us: asprealty321@gmail.com angelrealty321.blogspot.com/