Metro Detroit Real Estate Blog : Michigan Real Estate News - Blog Archive: July, 2009

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July 2009

There are 5 blog entries for July 2009.

Mortgage Market Update for July 31st 2009

Friday, July 31st, 2009 at 11:24am. 315 Views, 0 Comments.

Mortgage Bonds mounted an impressive reversal higher yesterday, after foreign participation in the 7-Year Note auction helped ease market concerns.

In today's news, Advanced Gross Domestic Product for the 2nd Quarter came in better than expected, while the 1st Quarter was revised lower. Overall, GDP has fallen four quarters in a row for the first time since government records started in 1947. The report also showed consumer spending is down, as consumer savings increased to the highest level since 1998.

Currently, prices are higher after some up-and-down movement earlier this morning. I recommend floating for now. But be prepared to act if the situation changes. I will keep you posted

 Courtesy of The Mortgage Market Guide

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Mortage Market Update for July 30th 2009

Thursday, July 30th, 2009 at 2:55pm. 318 Views, 0 Comments.

Mortgage Bonds are trading lower and flirting with several Moving Averages, as the 50-, 100- and 200-day Moving Averages all lay within a few basis points of current levels.

In the news, Initial Jobless Claims rose slightly more than expected. However, the closely watched four-week moving average fell for a fifth straight week to the lowest level since January. Continuing Jobless Claims also fell for a third straight week to the lowest since April--but this number may be misleading since many people are coming off the list because their benefits have simply run out.

With Bonds struggling this morning and a hefty Treasury auction on tap today that may pressure Bonds, I recommend locking. The good news is, despite all the chaos of the markets, the 30-year

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Mortgage Disclosure Improvement Act - Regulation Z

Monday, July 27th, 2009 at 5:20pm. 745 Views, 0 Comments.

The Mortgage Disclosure Improvement Act (MDIA) to Regulation Z of the Truth-In-Lending Act (TILA) goes into effect with all loan applications July 30th 2009 and beyond. What does this mean to you? I am about to tell you.The main purpose for Congress enacting the Truth in Lending Act (TILA) is to enable consumers to make informed use of credit information. To achieve this purpose, TILA requires full disclosures about credit terms and costs. TILA requires creditors to disclose the cost of credit as a dollar amount (the finance charge) and as an annual percentage rate (APR). These baseline requirements in TILA and in the rules under Regulation Z create uniformity in creditors’ disclosures so that consumers can use them in comparison shopping. That being said,…

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Metro Detroit June Market Statistics

Saturday, July 25th, 2009 at 7:55am. 382 Views, 0 Comments.

 Metro Detroit Home Sales At Highest Levels This Decade

   

Area

June, 2009

June, 2008

Percent Change

ALL MLS

6,549

5,341

22.6% Up

City of Detroit

1,171

990

18.3% Up

Genesee

535

412

29.9% Up

Lapeer

87

62

40.3% Up

Livingston

227

154

47.4% Up

Macomb

789

598

31.9% Up

Oakland

1,480

1,183

25.1% Up

St. Clair Area

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New Blog

Wednesday, July 15th, 2009 at 3:21pm. 473 Views, 0 Comments.

To blog or not to blog, that is the question. Well, that question was easily answered after I wandered around the information superhighway looking for accurate real estate financing information. I looked at direct lender websites, mortgage broker websites, real estate blogs, and realtor websites, and what I found was truly astounding. Sites with inaccurate information, half-truths, and completely wrong information about real estate lending. That inspired me to blog and to provide financing information that is accurate, up-to-date, and pertinent to the consumer, and in terms that we all can understand.

Now let me introduce myself to you and give you a little background about myself to add credibility to this blog. My name is Marc Edelstein. I have been a

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