Another Rate Cut?  

Following the Federal Reserve's aggressive interest rate cut on 9/18, there is wide disagreement among economists about whether the Fed is done, or if the recent move was just a start.

Investors in a market in which participants bet on future Fed moves are expecting at least one more rate cut by the end of the year, perhaps as early as the end of the next meeting on Halloween.

Some say "..more rate cuts are inevitable…" while others say, "..that's it for this year.."

We'd love to hear what you think?  Do you think the Fed will try to further bolster the economy by lowering rates again this year, or do you think they'll sit tight for now?  Leave us your comment or thought below by clicking on the "Comments" link below.

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Don't Bite Off More Than You Can Chew

Your accountant might advise you to take out as large a mortgage as possible because the interest is tax-deductible.  However, even though it's deductible, mortgage interest still has to be paid, and payments on a large mortgage could leave you short of cash that you'll need for other things.  You could even lose your house if you suffer a financial setback or emergency and find yourself unable to make the steeper mortgage payments, just because that interest is deductible.

Some people take out extra mortgage money and plan to save or invest it elsewhere, but the interest paid on a mortgage is usually greater than what you could earn on personal savings, a gap that can eat up most of, or all of the mortgage's deductibility advantage.  And it's not worth risking a bigger mortgage in the hopes of using the borrowed money to earn more elsewhere.

And be careful of falling into the old "pay off the credit cards with the extra money" trap.  Unless you are completely disciplined NOT to use those cards and run up the debt again, you could lose your house when the credit card bills can't be paid because you took out that bigger mortgage.

Only bite off what you can easily chew and don't let an accountant put you at risk of losing your house later!

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Housing Costs Consuming More of Paychecks

Housing costs ate up more of the monthly paycheck for millions of Americans in 2006 than the year before, despite signs of a slowdown in the housing market, according to figures made public recently by the Census Bureau.

The housing data describe the buildup of economic pressures before the recent wave of foreclosures, as lenders allowed home-buyers to borrow more money relative to their earnings and consumers borrowed or refinanced as if the market would never fall.  At the same time, incomes did not keep up with housing prices.

Nationally, half of renters and more than one third of mortgage holders spent at least 30 percent of their gross income on housing costs, the level many government agencies consider the limit of affordability.

The new data also show changes in the composition of households.  Homeownership continued to rise, while the percentage of households that could be described as nuclear families — two parents with children under 18 — continued its decline, to 22 percent last year, from 24 percent in 2000.  More families spoke a language other than English in their homes in 2006, when compared with the previous year, most often Spanish.

Fourteen percent of mortgage-holders spent at least half their income on housing in 2006, up from 13 percent last year, while among renters there was little change. In both years, 25 percent of renters spent half their income on housing.

The rising housing burden cuts into the money people have available for other expenses and therefore causes more anticipated rises in foreclosure ratess in coming months.

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Interest Rate Drop May Mean Little to Homebuyers

Home buyers (and home sellers as well) may be disappointed that the Federal Reserve's interest rate cut won't translate into lower monthly mortgage payments and a revival of the housing market.

The housing industry, now in the second year of its worst recession since 1991, erased 0.6 percent from gross domestic product in the second quarter.  Home prices are set to fall on a year-over-year basis for the first time since the Great Depression of the 1930s.

The Sept. 18th decision by the Federal Open Market Committee to reduce its benchmark interest rate to 4.75 percent from 5.25 percent doesn't mean mortgages will follow.

The Fed lowered its target for federal funds 13 times from Jan. 3, 2001, to June 25, 2003. After each cut, mortgage costs fell eight times and rose five times.

Many analysts are saying, "Lock in a rate now… long term bond yields will put a floor under how much further mortgage payments can and will go down."

What do you think?  Will the Fed's decision to lower the rate 50 basis points really make any difference in the struggling housing market?  We'd love to hear your opinion.  Just click the "Comment" link below and tell us what you think.

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Fort Lauderdale Real Estate - All is Not Gloom and Doom

With so much negative publicity and coverage on the current housing market, most buyers and sellers would think that the entire real estate sector is falling apart.  This is NOT the case, and a number of great opportunities exist for qualified home buyers right now.

Most home buyers did NOT get sub-prime loans, and most areas are not flooded with foreclosures.  In fact, in many areas, you'd be hard-pressed to even find ONE foreclosure.

Before everyone hits the panic button, let's examine the facts:

• Sellers have become concerned, even scared, by the drastic change in the market.  If you wait to buy, those feelings may subside since people do adjust to change.  Some sellers may eventually take a stronger stand after the dust settles as they realize their local market was not affected.  This is a real possibility in some of the most popular locations across the nation.
• Sellers are now WILLING, even offering, to make serious efforts to please an interested buyer.  Requests for re-painting, offering perks such as personal property (furniture, plasma TV’s, stereo systems, potted plants), even gym and country club memberships, could and should all be considered to make the deal.
• Loans are absolutely still available for those who can afford to purchase, so if that is you, there are still great rates as compared to historical standards.
• National Home Builders buy materials in large quantities and, often times, can and will pass along those savings to consumers if asked.  The addition of a pool, game room, etc. would typically cost a buyer considerably MORE time, money and up-front costs but with the savings afforded by the National Home Builders, this investment is certainly worth taking advantage of.

This is not fluff, but if you're in the market to buy a home, there could be no better time than now to do it!

If you're considering selling your home, get the facts on the market before you put your home up for sale.  All is not what it appears to be in the press.

We'd love to hear your feedback and comments about the state of the real estate market right now.  Chime in by clicking the "comment" link below.

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