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Quicken Loans Capital Markets Update – Inflation Predicted to Start at Low Levels
Quicken Loans Capital Markets Update – Rates Predicted to Remain at Record Lows
Buying a House in a Hurry: the First-Time Home Buyer Tax Extension
Quicken Loans Capital Markets Update – Widened Trade Deficit Indicates Growing Economy
Quicken Loans Capital Markets Update – Initial and Continuing Jobless Claims Falling
Mortgage Applications Increase on Refinancing Strength
The Psychology Behind Selling Your Home
Quicken Loans Capital Markets Update – Economic Recovery May Be Hindered by Unemployment
Quicken Loans Capital Markets Update – G-20 Continues to Provide Stimulus Until Full Economic Recovery
Quicken Loans Capital Markets Update – Record Week For Government Bonds

Quicken Loans Capital Markets Update – Inflation Predicted to Start at Low Levels ^

<a href="https://www.quickenloans.com/mortgage-news">Mortgage News</a> from <a href="https://www.quickenloans.com/">Quicken Loans</a><h3>Quicken Loans Capital Markets Update for November 17, 2009</h3> Treasuries and equities rallied while mortgages lagged yesterday. Treasuries benefited on comments from Fed Chairman Ben Bernanke which suggested interest rates will remain low for an extended period of time. Today marks another day of important releases. The core PPI was expected to ease to +1.4%. The actual number came in at +0.7%. The market keeps a close eye on the core PPI. With economic recovery comes concern of inflation, however, today’s decline provides some reassurance that inflation will at least start out from low levels as the new business cycle begins.This article is reprinted by permission from <a href="https://www.quickenloans.com/">Quicken Loans</a> © 2009 Quicken Loans Inc. All rights reserved. Continue ...

Quicken Loans Capital Markets Update – Rates Predicted to Remain at Record Lows ^

<a href="https://www.quickenloans.com/mortgage-news">Mortgage News</a> from <a href="https://www.quickenloans.com/">Quicken Loans</a><h3>Quicken Loans Capital Markets Update for November 16, 2009</h3> This market will focus on several key economic reports due this week, which include today’s retail sales, Tuesday’s PPI (Producer Price Index) report, Wednesday’s CPI (Consumer Price Index) and housing starts, and Thursday’s initial unemployment claims. Treasuries rose this morning after a report showed retail sales excluding autos rose less than forecast. Traders are also betting that Bernanke will reiterate that rates will remain at record lows when he speaks later today.This article is reprinted by permission from <a href="https://www.quickenloans.com/">Quicken Loans</a> © 2009 Quicken Loans Inc. All rights reserved. Continue ...

Buying a House in a Hurry: the First-Time Home Buyer Tax Extension ^

<a href="https://www.quickenloans.com/mortgage-news">Mortgage News</a> from <a href="https://www.quickenloans.com/">Quicken Loans</a>Yes, the <a href="https://www.quickenloans.com/home-buying/learn/why/first-time-home-buyer-home-loan-tax-credit">first-time home buyer tax credit</a> has been extended and expanded. Sellers: be ready for a whole stampede of homebuyers bidding up your home. Buyers: you can take a deep breath of relief, but don’t wait too long, as the extension only brings more homebuyers to the market. How is this tax credit extension different than last time? Three things: 1. Existing homeowners can get a tax credit on a new house for up to $6,500. 2. Income limits have risen to $125,000-$145,000 for individuals or $225,000-$245,000 for couples filing joint returns. 3. The tax credit now ends on April 30th, 2010. However, just because there’s been an extension – don’t procrastinate, as there won’t be another one anytime soon. Interest rates also won’t stay low forever, so lock in before it goes up. Keep in mind that while there are many houses on the market, the tax credit will bring an even larger crowd of people into the market as well. The houses in great condition that are a true steal will definitely not stick around forever – so start looking today. Lastly, <a href="https://www.quickenloans.com/mortgage-news/how-do-short-sales-work-5764">short sales</a> are often fantastic bargains, but because you have to wait for third party approval – it may take months to just find out if your bid was accepted. So while April may seem like a ways away, the truth is finding a house takes quite a bit of time, especially if you’re working with bank owned. For more information on buying a home, check out this <a href="http://www.marketwatch.com/story/five-tips-on-tapping-the-new-home-buyer-tax-credit-2009-11-16?pagenumber=2">article</a> on marketwatch.com.This article is reprinted by permission from <a href="https://www.quickenloans.com/">Quicken Loans</a> © 2009 Quicken Loans Inc. All rights reserved. Continue ...

Quicken Loans Capital Markets Update – Widened Trade Deficit Indicates Growing Economy ^

<a href="https://www.quickenloans.com/mortgage-news">Mortgage News</a> from <a href="https://www.quickenloans.com/">Quicken Loans</a><h3>Quicken Loans Capital Markets Update for November 13, 2009</h3> Treasury prices are mostly unchanged this morning as this week’s $81 billion auctions conclude. Each of this week’s auctions was met with strong demand. With the auctions behind us, investor focus returns to market data. Today’s September trade balance data showed that the deficit widened, which indicates a growing economy using resources. That same growing economy may help to push today’s preliminary November U.S. University of Michigan consumer confidence higher as expected.This article is reprinted by permission from <a href="https://www.quickenloans.com/">Quicken Loans</a> © 2009 Quicken Loans Inc. All rights reserved. Continue ...

Quicken Loans Capital Markets Update – Initial and Continuing Jobless Claims Falling ^

<a href="https://www.quickenloans.com/mortgage-news">Mortgage News</a> from <a href="https://www.quickenloans.com/">Quicken Loans</a><h3>Quicken Loans Capital Markets Update for November 12, 2009</h3> Treasury prices are a bit higher this morning ahead of this afternoon’s 30-year government bond auction. This is the government’s third such auction this week and each of the previous sales has been met with strong demand. Initial Jobless Claims and Continuing Claims came in better than expected at 502,000, with Continuing Claims falling to 5.6 million.This article is reprinted by permission from <a href="https://www.quickenloans.com/">Quicken Loans</a> © 2009 Quicken Loans Inc. All rights reserved. Continue ...

Mortgage Applications Increase on Refinancing Strength ^

<a href="https://www.quickenloans.com/mortgage-news">Mortgage News</a> from <a href="https://www.quickenloans.com/">Quicken Loans</a>Last week, the number of Americans applying for mortgages increased 3.2 percent when compared to the week prior, according to a report released today by the Mortgage Bankers Association (MBA). The study showed refinance applications surged nearly 12 percent, while applications from those seeking to purchase a home sank 13.7 percent. The weakness in purchase applications represents the lowest level of purchase activity since late 2000. According to Quicken Loans Chief Economist Bob Walters, refinance activity is being spurred by today’s low rates. “Refinance application activity has remained strong, spurred primarily by interest rates that continue to hover near generational lows. This strength should continue into the foreseeable future,” Walters said. “Additionally, as we continue to see job losses nationally, the likelihood for rate increases from the Fed decreases, which means low rates may persist for some time.”This article is reprinted by permission from <a href="https://www.quickenloans.com/">Quicken Loans</a> © 2009 Quicken Loans Inc. All rights reserved. Continue ...

The Psychology Behind Selling Your Home ^

<a href="https://www.quickenloans.com/mortgage-news">Mortgage News</a> from <a href="https://www.quickenloans.com/">Quicken Loans</a>There’s a reason why McDonalds chose red and yellow for their restaurant colors, which is the same logic homeowners should apply when selling their home. Colors have long been said to invoke emotions, memories, and feelings, so just decorating your home correctly may just save (or earn) you thousands of dollars. Ever walk into a place that just gives you a feeling of serenity and coziness? This can be a well decorated hotel, a friend’s place, or a restaurant. Or on the other hand, have you ever seen a place that just irritates you, whether by clutter, messiness, or dirtiness? Well, just by making your home warm and inviting, you can keep buyers thinking about it longer, and bidding higher. You might say, my home is already decent. However, the difference between decent and amazing is thousands of dollars and a faster sale. <h2>So what colors help you sell your home?</h2> Fact: people feel happier when they’re surrounded by color instead of bland white walls. In my previous life, I was a psych major, and among the million things that impact your daily judgment and subconscious feelings – color is definitely one of them. When deciding to paint your home to sell, first consider your season. Is it cold out? Think warm colors. Is it hot out? Think cool colors. Of course I’m not suggesting you repaint your house for every season, but rather paint a few rooms appropriate colors for the upcoming season the house will sell in. There are more ways to incorporate color than paint, but we’ll address that later. The next thing to consider is your neighbors. Why do they matter? Well, if your house sticks out like a sore thumb because every house on the block has a light neutral color and yours is dark brown, then buyers are going to notice. The best thing to do is for your house to compliment the other houses on the street, and that means matching the overall atmosphere. <h2>The Psychology Behind Colors</h2> Once you’ve considered these two things, it’s time to start choosing colors. You want the outside color of your house to be easily incorporated throughout the inside of the house as well. Simple colors look cheap, while complex colors tailor to a wealthier and more educated crowd. What makes a color complicated versus simple? Think back to elementary art school, there are primary colors and secondary colors. The closer your paint colors resemble these, the simpler it is. Instead, go for complex blends of colors that are in muted shades. You want muted, because brightness is tacky for a home. Ok, so maybe there are people who love bright colors in a home, but you want to appeal to a larger audience, so go with muted as a safe and classy bet. Next, pick colors that go well with your neighbors for the outside, and goes well with your décor inside. While you still want to avoid bright simple reds, blues, and canary yellows, you definitely have more freedom with interior choices. Pick colors that go well with the function of the room. For example, you don’t want a blue kitchen, because that’s not a color easily found in nature, and the unnaturalness of it will appeal to a smaller crowd. Instead, paint your kitchen colors like light lemony yellow, rich browns, or fresh greens – food colors, makes sense right? For your living room, think cozy but neutral. You don’t want to risk turning off buyers because it’s too “loud”. So while you can even go with darker colors, stick with neutral tones like browns, olives, and even deep maroons. Keep in mind that biased colors like bright pink is never OK when selling a home – even if it’s supposed to be a “kid’s” bedroom. You want to always give the impression that any room is neutral enough that the buyer can envision themselves living there. Lastly, tie in exterior colors by finding curtains the same color, or maybe painting the foyer a transitional color. Don’t do too many dark colors, remember you want the house to be serene and soothing before all else. The trim should also be polished up with a shiny coat of fresh white paint. Then place throws, pillows, and other objects to tie in the color theme chosen for both the interior and exterior of the house. With these changes, your house is sure to not only appeal to a wider audience, but also sell at a higher price.This article is reprinted by permission from <a href="https://www.quickenloans.com/">Quicken Loans</a> © 2009 Quicken Loans Inc. All rights reserved. Continue ...

Quicken Loans Capital Markets Update – Economic Recovery May Be Hindered by Unemployment ^

<a href="https://www.quickenloans.com/mortgage-news">Mortgage News</a> from <a href="https://www.quickenloans.com/">Quicken Loans</a><h3>Quicken Loans Capital Markets Update for November 11, 2009</h3> No major economic reports are scheduled for release today, and the U.S. bond market will be closed today for the Veterans Day holiday. On Tuesday, the major indices stayed within a tight range with the DOW finishing up 20 points on the day. Fed officials also believe that the economy will be slow to recovery with unemployment holding back consumer spending. While growth has resumed, it will be interesting to see how other factors will affect the overall progression. This is the deepest recession since the 1930s according to the Federal Reserve officials.This article is reprinted by permission from <a href="https://www.quickenloans.com/">Quicken Loans</a> © 2009 Quicken Loans Inc. All rights reserved. Continue ...

Quicken Loans Capital Markets Update – G-20 Continues to Provide Stimulus Until Full Economic Recovery ^

<a href="https://www.quickenloans.com/mortgage-news">Mortgage News</a> from <a href="https://www.quickenloans.com/">Quicken Loans</a><h3>Quicken Loans Capital Markets Update for November 10, 2009</h3> Yesterday, both stocks and bonds advanced as the G-20 said it would continue to provide stimulus until an economic recovery is assured. <a href="http://www.g20.org/about_what_is_g20.aspx">G-20</a> stands for Group of Twenty, which consists of Finance Ministers and Central Bank Govenors. This group was estabilished in 1999 to bring together systemically important industrialized and developing economies to discuss key issues in the global economy. Treasury prices are higher this morning ahead of today’s 10-year notes auction and tomorrow’s Veteran’s Day market holiday. This afternoon the U.S. Treasury will auction $25 billion 10-year T-notes. This comes on the heels of yesterday’s record-sized 3-year note auction which went very well.This article is reprinted by permission from <a href="https://www.quickenloans.com/">Quicken Loans</a> © 2009 Quicken Loans Inc. All rights reserved. Continue ...

Quicken Loans Capital Markets Update – Record Week For Government Bonds ^

<a href="https://www.quickenloans.com/mortgage-news">Mortgage News</a> from <a href="https://www.quickenloans.com/">Quicken Loans</a><h3>Quicken Loans Capital Markets Update for November 9, 2009</h3> Treasuries are fairly flat this morning as stocks rise. This week will bring a record supply of government bonds. Beginning today, the US Treasury will auction $81 billion of debt this week as part of it’s quarterly refunding. Today’s $40 billion 3-year auction will likely be overshadowed by Tuesday’s 10-year and Thursday’s 30-year auctions. Stay tuned to Mortgage News for updates and more this week.This article is reprinted by permission from <a href="https://www.quickenloans.com/">Quicken Loans</a> © 2009 Quicken Loans Inc. All rights reserved. Continue ...

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