Category Archives: Real Estate Investing

Rising Mortgage Rates DO NOT Lead to Decreased Home Prices

A lot of people think that rising interest rates will result in lower house prices. What they don’t know is prices are determined by supply and demand.  While rising rates may slow demand, they also affect supply. “For current homeowners, the decision to buy a new home is typically linked to their decision to sell their current home… Because of this link, the financing costs of the existing mortgage are part of the homeowner’s decision of whether and when to … Read more

Moving up Is MORE Affordable Now Than Almost Any Other Time in 40 Years

Trulia recently posted a blog, Not Your Father’s Housing Market, which examined home affordability over the last 40+ years (1975-2016). Their research revealed that: “Nationally, homes are just about the most affordable they’ve been in the last 40 years… the median household could afford a home 1.5 times more expensive than the median home price. In 1980, the median household could only afford about 3/4 of the median home price. Despite relatively stagnant incomes, affordability has grown due to the … Read more

What Impact Do Higher Mortgage Rates Have On Housing Prices?

Mortgage interest rates have risen by nearly one half percent thus far in 2018, most projections are for a five percent 30 year fixed rate by the end of the year and I personally would not be surprised to see it above that. WHY are rates moving higher after 30 years of lower and lower interest rates? As I have written about before, higher mortgage rates are a near certainty due to the fact inflation is ticking up faster than … Read more

Are Real Estate Prices “Crazy”?

Are you surprised by what it costs to buy a nice home nowadays?  With interest rates still relatively low and the economy nearing full throttle, prices of virtually every asset around the world have gone up. How can you tell if we have entered a bubble and if the houses you are looking at are crazily priced? There are actually several reliable indicators you can apply to give you some context and help you understand if property values have gotten … Read more

WHAT IN THE HECK IS GOING ON WITH MORTGAGE INTEREST RATES?!

We have just hit the worst levels we have seen since January 2014 in the mid to high 4% ranges (depending on credit scores). Let’s dive in and try to figure out what is going on. Before we go into where we are today, I want to take a little bit longer perspective on the history of mortgage interest rates because we have really been spoiled over the last 10 years with 30 year fixed rates below 5%. The chart … Read more

How Rising Prices Will Help Your Family Build Wealth in 2018

  Over the next five years, home prices are expected to appreciate on average by 3.35% per year and to grow by 24.34% cumulatively, according to Pulsenomics’ most recent Home Price Expectation Survey. So, what does this mean for homeowners and their equity position? As an example, let’s assume a young couple purchases and closes on a $250,000 home this month (January). If we only look at the projected increase in the price of that home, how much equity will … Read more

There’s More to a Bubble Than Rising Home Prices

What truly causes a housing bubble and the inevitable crash? For the best explanation, let’s go to a person who correctly called the last housing bubble – a year before it happened.   “A bubble requires both overvaluation based on fundamentals and speculation. It is natural to focus on an asset’s fundamental value, but the real key for detecting a bubble is speculation…Speculation tends to chase appreciating assets, and then speculation begets more speculation, until finally, for some reason that … Read more

FHA VS Conventional mortgage loans

Conventional and FHA loans saw significant loan limit increases in many counties across Utah. Below is the current loan limits for each county. We’d be honored to answer your questions and compete for your business. Conforming Loan Limits FHA Loan Limits If you are interested in more information regarding the differences between FHA and Conventional mortgage loans, please watch this short video: Would you be interested in searching for homes just like Realtors do? Up to 47% of the information … Read more

Realtymogul.com – crowdfunding democratizes real estate investing

Listen in as Lawrence Fassler, JD, MBA, reveals what makes realtymogul.com a great investment opportunity for accredited investors and why: – You can diversify into smaller minimum investment amounts across lots of different properties and across lots of different geographies – The ability of smaller investors to conveniently access deal flow enables run-of-the-mill accredited investors to invest in larger or higher-level real estate projects than were possible before

Lawrence Fassler, JD, MBA, realtymogul.com on Physician Financial Success Podcast

Listen in as Lawrence Fassler, JD, MBA, reveals what make realtymogul.com a great investment opportunity for accredited investors and why: You can diversify into smaller minimum investment amounts across lots of different properties and across lots of different geographies The ability of smaller investors to conveniently access deal flow enables run-of-the-mill accredited investors to invest in larger or higher-level real estate projects than were possible before What is a debt offering and what are the advantages and what is an … Read more

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