Buying Your First Home
Here's a startling fact: Young Americans are the fastest-growing group of homeowners.
Nearly 26% of people under 25 own their homes, up from just under 20% in 1982. In the 25-to-29 age group, nearly 41% are homeowners, up from 39%.
Yet the median home price has more than tripled in the past 24 years. That's made buying a home increasingly hard for young adults who are still renting or living with their parents.
Throughout much of the country, though, the 7.4-month supply of homes on the market is giving buyers more bargaining power than they've seen in six years. Mortgage rates, declining again, are the lowest since January. Several state and local governments have stepped in to try to help working-class people, especially nurses, teachers and emergency service personnel, afford homes in the most expensive areas of the country.
Read the complete story here…
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Home Builders See Bottom of Housing Slump
The year-long slump in the housing market may be near a bottom, say home builders - though it could take a while before prices rebound.
Toll Brothers (Charts) reported a sharp drop in fiscal fourth quarter earnings early Tuesday and forecast a big drop in profits for the coming year. But despite that bad news, chairman and CEO Robert Toll said that the market for new homes may finally be leveling off after more than a year's worth of declines.
"Fifteen months into the current slowdown, we may be seeing a floor in some markets where deposits and traffic, although erratic from week to week, seem to be dancing on the bottom or slightly above," said Toll in a statement accompanying the earnings report. "The metro D.C. suburbs of northern Virginia, which was the first market in which we saw activity slow, seems to have stabilized, although at levels much lower than those we have enjoyed over the past few years."
Read the complete story here…
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Dealing with a 20% Down Payment
Home buyers may now need to pull out their calculators when tackling a common dilemma: what to do if they don't have enough money for a 20% down payment. In recent years, piggyback loans, low-cost and easy to get, have been the product of choice for many cash-strapped consumers eager to purchase homes. But with short-term interest rates now sharply higher — currently above 8% — piggyback loans are less appealing. Now, there are signs that some borrowers are giving traditional private mortgage insurance a second look.
New federal tax legislation expected to be signed by President Bush today gives some consumers even more reason to turn to mortgage insurance. The new law makes the insurance premiums tax deductible for some borrowers who take out new mortgage-insurance contracts in 2007. That is in addition to the tax deduction homeowners can already take on the mortgage interest they pay.
Find out what to do if you can't make a 20% down payment on a home…
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