Archive for March, 2010

Market Snapshot

Wednesday, March 31, 2010

The markets were shocked this morning at 8:15! The ADP employment report for March was widely thoiught to be up 40K jobs, ADP reported private jobs actually fell 23K. The 23,000 decline was the smallest in two years and followed a revised 24,000 drop the prior month frm 20K originally reported. ADP has consistently over-stated jobs for the last six months compared to the BLS reports; frm a 2K overstatement in Feb to overstated 151K jobs last November. For the last two weeks markets have been almost giddy that March job growth would increase about 200K; the hiring of temp census workers and some weather related hiring being the catalysts. However, markets were also expecting an increase in good permanent jobs along with census hiring; that now is questionable for the moment after the ADP data. Today’s ADP report showed a decrease of 51,000 workers in goods-producing industries including manufacturers and construction companies. Service providers added 28,000 workers (you want that in a combo meal?). At 9:00 this morning on the reaction to the jobs data had the 10 yr note +9/32 at 3.83% -3 bp, mortgage prices at 9:00 +5/32 (.15 bp) and the DJIA futures trade had the index -38 points. At 9:30 the stock market opened (DJIA) -25, 10 yr note +8/32 3.83% -3 BP and mortgage prices up just 2/32 (.06 bp).

 

More data: at 9:45 the March Chicago purchasing mgrs index, expected at 61.0 frm 62.6 in Feb, fell to 58.8; new orders fell to 61.8 frm 62.2, not much; employment index was essentially unchanged at 531. frm 53.0 in Feb. Any index reading over 50 indicates expansion. There was no reaction to the weaker mid-west data.

 

Finally this morning; at 10:00 Feb factory orders, expected up 0.5%, was up 0.6%. 

 

The soft ADP jobs report has rattled most economists and shaken the bullish optimism that the employment sector is beginning to improve; whether it actually changes that sentiment will have to wait until Friday’s BLS data. Most of the chatter from those on CNBC this morning tried to dismiss the report, favoring to make a silk purse out of the hiring of census workers as something more significant than it is. For the next few months the government will be hiring more census workers, putting an unreasonable spin on temp workers. It is critical to keep in mind that the employment situation is not being reported correctly, leaving out the discouraged workers that have given up; added in to the real world the unemployment rate in the US now is closer to 17% to 20% than the 9.7% on the headline Friday. Put the Q4 productivity in play at +6.9% and unit labor costs -5.9% and employers have little reason to crank up a lot of new hiring. While we are not as enthusiastic as the overall sentiment about job growth, we are to some extent the Lone Rangers (again), we are not alone however. There are an increasing number of money managers beginning to focus on the reality that unemployment is very high and most important, not expecting much improvement this year.

 

This is the last day of quantative easing by the Fed; the end of the $1.25T of MBS purchases. Will it make a difference in the markets? in the mortgage rates? So far no meaningful market movements in either direction on the ending of all those handouts tossed at those that came close to blowing up the entire global financial markets. Looking back over the last two years, much of the government largesse was wasted and unnecessary; but at the moment there was little choice.

 

Nothing more for the markets today; we don’t expect much change in the stock, bond and mortgage markets now through the rest of the session with that elephant coming on Friday. Mortgage markets had been relatively firm against treasuries until yesterday and today; mortgage markets are not doing well this morning considering the weak data and that the 10 yr note is firm.

 

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Key Points Regarding the Home Buyer Tax Credit

Key Information

Following are key points that prospective home buyers should be aware of when considering a home purchase under the tax credit program.

  • A tax credit of up to $8,000 is available for first-time home buyers purchasing on or after January 1, 2009 and on or before April 30, 2010. In cases where a binding sales contract is signed by April 30, 2010, a home purchase completed by June 30, 2010 will qualify.
  • A tax credit of up to $6,500 is available for repeat home buyers who have owned a home for five consecutive years out of the prior eight years. The repeat home buyer tax credit applies to houses sold after November 6, 2009 and on or before April 30, 2010. In cases where a binding sales contract is signed by April 30, 2010, a home purchase completed by June 30, 2010 will qualify.
  • Income limits of $125,000 for individuals and $225,000 for married couples filing jointly apply to all sales occurring after Nov. 6, 2009.
  • The income limits for sales occurring on or after January 1, 2009 and on or before November 6, 2009 are $75,000 for individual taxpayers and $150,000 for married couples filing jointly.
  • Homes priced above $800,000 are not eligible for either the first-time home buyer tax credit or the repeat home buyer tax credit.
  • Expanded tax credit benefits apply to members of the military, the foreign service and the intelligence community.
  • Home purchases in 2010 may be claimed on an amended 2009 income tax return.
  • Persons who are claimed as dependents by a taxpayer or who are under age 18 do not qualify for a tax credit.
  • Home purchases from relatives of the taxpayer or the taxpayer’s spouse do not qualify for the tax credit. The IRS defines relatives as ancestors (parent, grandparent, etc.), lineal descendants (child, grandchildren, etc.) and spouses.
  • Married couples are not eligible to claim the first-time home buyer tax credit if either spouse has previously owned a home. They may, however, qualify for the repeat home buyer tax credit.
  • Neither the first-time home buyer tax credit nor the repeat home buyer tax credit have to be repaid unless the home is sold or ceases to be used as the buyer’s principal residence within three years after the initial purchase.
  • Taxpayers must submit a copy of the HUD-1 settlement statement and IRS Form 5405 to claim either the first-time home buyer tax credit or the repeat home buyer tax credit.

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Ten Important Facts About the Extended FTHB Credit

 
 
IRS Special Edition Tax Tip 2009-13

If you are in the market for a new home, you may still be able to claim the First-Time Homebuyer Credit. Congress recently passed The Worker, Homeownership and Business Assistance Act Of 2009, extending the First-Time Homebuyer Credit and expanding who qualifies.Here are the top 10 things the IRS wants you to know about the expanded credit and the qualifications you must meet in order to qualify for it.

  1. You must buy – or enter into a binding contract to buy a principal residence – on or before April 30, 2010.
  2. If you enter into a binding contract by April 30, 2010 you must close on the home on or before June 30, 2010.
  3. For qualifying purchases in 2010, you will have the option of claiming the credit on either your 2009 or 2010 return.
  4. A long-time resident of the same home can now qualify for a reduced credit. You can qualify for the credit if you’ve lived in the same principal residence for any five-consecutive year period during the eight-year period that ended on the date the new home is purchased and the settlement date is after November 6, 2009.
  5. The maximum credit for long-time residents is $6,500. However, married individuals filing separately are limited to $3,250.
  6. People with higher incomes can now qualify for the credit. The new law raises the income limits for homes purchased after November 6, 2009. The full credit is available to taxpayers with modified adjusted gross incomes up to $125,000, or $225,000 for joint filers.
  7. The IRS will issue a December 2009 revision of Form 5405 to claim this credit. The December 2009 form must be used for homes purchased after November 6, 2009 – whether the credit is claimed for 2008 or for 2009 – and for all home purchases that are claimed on 2009 returns.
  8. No credit is available if the purchase price of the home exceeds $800,000.
  9. The purchaser must be at least 18 years old on the date of purchase. For a married couple, only one spouse must meet this age requirement.
  10. A dependent is not eligible to claim the credit.

For more information about the expanded First-Time Homebuyer Credit, visit IRS.gov/recovery.

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New FHA Refinancing Options

New FHA Refinancing Options

HUD recently announced a new FHA program intended to assist current homeowners that are currently underwater in their home.  This new program will be funded with TARP funds that have been allocated specifically for the new loan program.  This is another effort to try and assist homeowners with refinance options at a time when they are currently underwater.  Not all homeowners that are underwater qualify.  Here are a few of the key criteria of the new FHA loan program:

  • This is a voluntary option of both the current lender and homeowner with mortgages not insured by FHA (can’t have an FHA loan)
  • Current lender must write down at least 10% of the current unpaid balance of the existing loan
  • New FHA loan can’t exceed 97.75% LTV and 115% CLTV
  • Must reduce the homeowner’s current monthly mortgage payments
  • Maximum debt ratios of 31/50
  • Homeowner must be current on their mortgage payments
  • Homeowner must have a minimum of 500 credit score
  • Must qualify under current FHA underwriting guidelines
  • The short refinancing will be reflected on the homeowners credit report

Please keep in mind that the current lender must voluntarily agree to the principal write down. It is still too early to know exactly what lenders will do.  They are not obligated to participate.  The easiest way for homeowners to find out if their lender is willing to participate in this new FHA program, will be to contact them directly and discuss it.  HUD will be releasing the details of this new loan in the near future.    

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Motivational Quotes for Monday March 22nd, 2010

I have decided to being sharing motivational quotes that I come across throughout the day with everyone else.  I find that these quotes pop up everywhere.  I see them in articles, at the bottom of emails, on advertisements, websites and etc.  My goal is to update this blog throughout the course of the day.  Please feel free to add to it if you like.  Hopefully, one of the quotes will motivate someone throughout the course of the day.  The first quote of the week is:

“Whatever you can do, or dream you can begin it. Boldness has genius, power and magic in it.”
- Goethe

“The only limit to our realization of tomorrow will be our doubts of today.”
- Franklin D. Roosevelt

“The first requisite of success is the ability to apply your physical and mental energies to one problem without growing weary.”
- Thomas Edison

“The first wealth is health.”
- Ralph Waldo Emerson

“Long-range goals keep you from being frustrated by short-term failures.”
- James Cash Penney

“Never worry about numbers. Help one person at a time, and always start with the person nearest you.”
- Mother Teresa

“Remember there’s no such thing as a small act of kindness. Every act creates a ripple with no logical end.”
- Scott Adams

 

 

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Motivational Quotes For Friday March 19th, 2010

I have decided to being sharing motivational quotes that I come across throughout the day with everyone else.  I find that these quotes pop up everywhere.  I see them in articles, at the bottom of emails, on advertisements, websites and etc.  My goal is to update this blog throughout the course of the day.  Please feel free to add to it if you like.  Hopefully, one of the quotes will motivate someone throughout the course of the day.  The first quote of the day is:

“Successful and unsuccessful people do not vary greatly in their abilities. They vary in their desires to
reach their potential.”
- John Maxwell

“He, who every morning plans the transactions of the day, and follows that plan carries a thread that will guide him through a labyrinth of the most busy life”
- Victor Hugo

“Adversity is the state in which man mostly easily becomes acquainted with himself, being especially free of admirers then.”
- John Wooden

“To guarantee success, act as if it were impossible to fail.”
- Dorothea Brande

Motivational Quotes For Thursday March 18th, 2010

I have decided to being sharing motivational quotes that I come across throughout the day with everyone else.  I find that these quotes pop up everywhere.  I see them in articles, at the bottom of emails, on advertisements, websites and etc.  My goal is to update this blog throughout the course of the day.  Please feel free to add to it if you like.  Hopefully, one of the quotes will motivate someone throughout the course of the day.  The first quote of the day is:

“We first make our habits, and then our habits make us.”

- John Dryden

Don’t be afraid of the space between your dreams and reality. If you can dream it, you can make it so.”

 - Belva Davis

“It has been my philosophy of life that difficulties vanish when faced boldly.”

- Isaac Asimov

” A man who lives in the past deprives himself of the future”

- author unknown

“The greatest things ever done on Earth have been done little by little.”

- William Jennings Bryan

“Success seems to be largely a matter of hanging on after others have let go.”

- William Feather

“Long-range goals keep you from being frustrated by short-term failures.”

- James Cash Penney

“Yesterday is not ours to recover, but tomorrow is ours to win or to lose.”

- Lyndon B. Johnson

 

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Short Sale Fraud

Short Sale Fraud!!!

Beware, there is fraud taking place on short sales.  I would like to say that this comes as a surprise, but it doesn’t.  Our industry continues to be infected by unscrupulous individuals who only care about making a buck.  The latest and greatest is fraud being committed on short sales.

The fraud that I am referring to has to do with realtors setting up LLC’s to purchase a property for sale at a drastically reduced price.  Here is how the scheme is working.  The current home owner speaks with their existing mortgage company and they agree that short selling the home would be the best option for their current situation.  The lender advises the owner to find a local realtor and list their home for sale and submit them offers for approval.  The owner then contacts a local agent and lists the home for sale.  The agent or company that the agent works for either currently has or immediately sets up an LLC to purchase the property they are listing.  Where the fraud part comes into play is when the realtor receives offers from interested buyers that never get forwarded to the owner and ultimately the lender.  Time passes as the owner and lender become very nervous because no offers are being submitted.  Nervousness eventually turns to desperation.  Now desperate, the owner gets a low ball offer from the agents/companies LLC.  They accept the offer and forward it on to the lender that also accepts the offer out of desperation.  The LLC purchases the property substantially lower than the legitimate offers that were made and never disclosed.  The LLC knows what interested buyers are willing to pay because they are receiving offers, so they know their profit on the purchase when they make the offer.

What are the repercussions of this practice?  It hurts the values in the neighborhood, costing everyone equity in their home.  It costs the lenders money, which means it costs all of us money.  It may cause the borrower to have a greater deficiency on the sale and possibly cost them money out of pocket.  It taints the reputation of realtors and home owners trying to sell their property. It is another huge black eye for our industry!

Why is it that people spend so much time trying to manipulate the system for personal gain?  It may be extreme, but we need to lock these people up!  Get them out of society, so we can move forward.  Every time our industry takes a step forward, issues like this force us to take 2 steps backwards.

Has anyone seen this practice in your area?

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Motivational Quotes for Wednesday March 17th, 2010

I have decided to being sharing motivational quotes that I come across throughout the day with everyone else.  I find that these quotes pop up everywhere.  I see them in articles, at the bottom of emails, on advertisements, websites and etc.  My goal is to update this blog throughout the course of the day.  Please feel free to add to it if you like.  Hopefully, one of the quotes will motivate someone throughout the course of the day.  The first quote of the day on this fine St. Patrick’s day is:

“To forgive is the highest, most beautiful form of love. In return, you will receive untold peace and happiness.”
- Dr. Robert Muller

“I find that the harder I work, the more luck I seem to have.”

- Thomas Jefferson

“Life is like a combination lock; your job is to find the right numbers, in the right order so you can have anything you want.”- unknown

And in the end it’s not the years in your life that count. It’s the life in your years.”
 

- Abraham Lincoln

Energy is the essence of life. Every day you decide how you’re going to use it by knowing what you want and what it takes to reach that goal, and by maintaining focus.”

- Oprah

“Never worry about numbers. Help one person at a time, and always start with the person nearest you.”

- Mother Teresa

They can conquer who believe they can.”

- Virgil

 

 

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Motivational Quotes for Tuesday March 16th, 2010

I have decided to being sharing motivational quotes that I come across throughout the day with everyone else.  I find that these quotes pop up everywhere.  I see them in articles, at the bottom of emails, on advertisements, websites and etc.  My goal is to update this blog throughout the course of the day.  Please feel free to add to it if you like.  Hopefully, one of the quotes will motivate someone throughout the course of the day.  The first quote of the day is:

“You must take personal responsibility. You cannot change the circumstances, the seasons, or the wind, but you can change yourself”
- Jim Rohn

“You are the average of the five people you spend the most time with.”
- Jim Rohn

“Achievement seems to be connected with action. Successful men and women keep moving. They make mistakes, but they don’t quit.”

- Conrad Hilton
 
“Never give up, never, never give up.”
- Winston Churchill
 

“When life’s problems seem overwhelming, look around and see what other people are coping with. You may consider yourself fortunate.”

- Ann Landers

 “ The man who does not read good books has no advantage over the man who cannot read them.”
- Mark Twain

The indispensable first step to getting the things you want out of life is this: decide what you want.”
- Ben Stein

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