Calculated Risk Real Estate

MARCH 5, 2025

Overall delinquencies decreased in January are below the pre-pandemic levels.

Mortgages

The Residential Specialist

JULY 21, 2025

From Click to Close: Where AI Fits In AI tools can support nearly every stage of a real estate agent’s workflow. Market research: AI tools help Addie Owens, CRS Instructor, principal broker and CEO of Touchstone Real Estate in Central Florida, stay on top of market trends by summarizing reports or analyzing MLS and public data for insights.

Staging

Rochester Real Estate

NOVEMBER 5, 2015

PITI stands for principal, interest, taxes, and insurance, which are the critical components of your monthly mortgage payment. PITI, an acronym for principal, interest, taxes, and insurance, represents the major components of your monthly mortgage payment. Let’s delve into what PITI entails and how it impacts your mortgage.

Debt-to-income ratio

Fancy Pants Homes

DECEMBER 3, 2024

It also has a direct elevator that takes guests and residents up, where a sumptuous 31-foot entry gallery sets the stage for the luxury that lies inside. A first look at the posh residences at THE 74, Upper East Side’s newest luxury condo building The post Towering over Fifth Avenue: New supertall building is now topped out, offers glam $11.5M

Design

Rochester Real Estate

NOVEMBER 5, 2015

Designated brokers Often called a principal broker, the designated broker ensures all agents within the brokerage stick to the relevant real estate laws. Within the brokerage, the designated broker is the person who holds the license on behalf of the firm.

Agents

Redfin

MARCH 25, 2025

If you’re selling, a soft, neutral palette, like warm grays or greiges, creates a fresh, inviting look and makes staging effortless. Amy Lee Owens, president and principal designer at Amy Lee Design sums it up perfectly. Start with small changes or go all-ineither way, your bathroom will become a stylish, personalized retreat.

Design

Redfin

JULY 3, 2025

While the time it takes to sell a house can vary based on a number of factors, the stages of the home selling process are typically the same wherever you live. The below guide shows a general timeline: Home Preparation (1–3 weeks): This phase includes cleaning, decluttering, staging, and completing any minor repairs or updates.

Staging

Marco Santarelli

JANUARY 1, 2025

The Stage: Understanding the Predictions Entering the discussion about the 2025 real estate outlook requires a clear grasp of recent history. The principal factor influencing home prices is the classic law of supply and demand. Increased Housing Inventory : A significant 11.7% increase in available homes is expected.

Mortgages

HomeLight

MAY 14, 2025

Preliminary offer: At this stage, some house-buying companies will provide a preliminary offer that is subject to change after a house assessment. General Tax Rate: 1.25% (No change) Clean Water Surcharge: Increases from 0.2% Theyre concerned about finding a buyer willing to purchase their home as is in its current state.

As-is

Keller Williams

MARCH 7, 2025

Health, Wealth, and Mindset: Big-Picture Thinking at CEO Summit On Monday, the sold-out CEO Summit set the stage for the week ahead. Charlotte Savoy, operating principal and agent with the KW Collective, was attending her 18th Family Reunion. She described CEO Summit as the perfect springboard for FR.

Branding

Redfin

FEBRUARY 20, 2025

However, there are some costs associated with selling your home, like repairs, staging, and pre-listing inspections, that may also need to be paid before closing. The lender provides a mortgage payoff statement, including: Principal balance Accrued interest Possible prepayment penalties (less common but can be 1%3% of the loan balance).

Closing costs

The Mortgage Report

AUGUST 5, 2025

After the draw period ends, you’ll enter the repayment period, which may last another 10 to 20 years, during which both principal and interest payments are due. This setup makes a HELOC ideal for projects that happen in stages or have flexible timelines. A HELOC makes it easier to start now and complete the work in stages.

FHA 203k rehab loan

Redfin

JUNE 10, 2025

Pro insight from Redfin principal agent Rachael Wang: “When the appraisal for a home comes in low, setting the right expectation is crucial for sellers. This includes comprehensive home preparation, ensuring repairs are done, effective staging, and maximized curb appeal.

Purchase and sale agreement

GeekEstate

JULY 8, 2025

Immersive Expo Hall , featuring the latest technologies & solutions, startup kiosk clusters, lounge areas, an Innovation Stage, 1:1 Meeting Zone, and tons of fun. Join us September 16th – 18th, 2025 and save $300 off the on-site price ($500 off the retail price).

Construction

Housing Wire

MAY 8, 2025

In addition to Palmer and Valdes, Aperture Globals leadership team also includes Mercedes Saewitz, a former principal broker and founding agent of Compass. Hear from LPT International CEO, Michael Valdes and fellow executives, as they take the stage at The Broadmoor this summer.

Branding

Redfin

APRIL 3, 2025

Michelle Norwood, principal designer and planner at Michelle Norwood Events recommends setting the scene with layered linens, vintage bone china, and fresh florals in soft hues. Set the stage with a theme A well-chosen theme will not only delight your guests but will also set the stage for an unforgettable celebration.

Staging

Marco Santarelli

JUNE 27, 2025

This calculation factors in the principal amount along with interest. Final Thoughts: Given the data at hand, it seems that lower mortgage rates could be an advantage for both buyers and refinancers at this stage in the market. This potential influx of buyers may lead to a more competitive market.

Mortgages

Housing Wire

APRIL 2, 2025

Monthly mortgage principal and interest payments not including property taxes and insurance are near long-term lows as a percentage of income across the homeowner spectrum, including those without mortgages. of all borrowers were in any stage of delinquency. As of the fourth quarter of 2024, only 3.6%

Mortgages

Rochester Real Estate

NOVEMBER 5, 2015

Real estate tends to appreciate over time, and the amount of equity in the property increases when monthly mortgage payments reduce the principal amount of the mortgage.

Mortgages

Norada Real Estate

JUNE 27, 2025

This calculation factors in the principal amount along with interest. Final Thoughts: Given the data at hand, it seems that lower mortgage rates could be an advantage for both buyers and refinancers at this stage in the market. This potential influx of buyers may lead to a more competitive market.

Mortgages

Rochester Real Estate

NOVEMBER 5, 2015

Financial security: Extended warranty plans can help homeowners avoid unexpected expenses related to principal component failures or defects, providing financial security. Peace of mind: Knowing that their home is covered for an extended period offers homeowners peace of mind and reassurance.

Purchase and sale agreement

Redfin

FEBRUARY 20, 2025

Embrace the light from the sun Spring is the perfect time to let sunlight take center stage in your home. When it comes to spring decor ideas, embrace sunlit spaces, light layering, and playful contrasts, shares Isfira Jensen, CEO and principal designer at Jensen & Co. , an interior design company in New York, NY.

Design

Housing Wire

JULY 7, 2025

.” “(SALT cap changes) will be welcome news to owners or purchasers of property in areas where real estate taxes, even on run of the mill properties, often exceed $10,000 a year,” said Marty Green, principal at law firm Polunsky Beitel Green. According to the trade group, several provisions have high levels of approval. “We

Principal

Marco Santarelli

MAY 22, 2025

Ensure your monthly mortgage payment (including principal, interest, property taxes, and insurance) is no more than 25% of your take-home pay. Stage your home effectively: Help buyers envision themselves living in the space by decluttering and arranging furniture in an appealing way. Consider professional staging for the best results.

Marketing

Housing Wire

MAY 8, 2025

Its principal agent count jumped to 20,656 at the end of March, a 41.6% The percentage of its listings that are Private Exclusives, which is the first stage, has steadily increased. The drama around CCP hasnt prevented Compass from growing. annual increase. In the third phase, the listing goes on the MLS and third-party sites.

Marketing

Rochester Real Estate

NOVEMBER 5, 2015

For the first few years of home ownership, you’ll be paying mostly interest and not the principal on the home. What To Expect From Your Listing Agent Why For Sale By Owners (FSBOs) Fail Blog Featured Articles Home Buying Home Selling LOCAL Rochester NY Articles Should You Pay Off Student Loans Before Purchasing a Home?

Loans

Housing Wire

SEPTEMBER 28, 2023

mortgage delinquencies remained near a record low in July, with the share of homes entering that status or progressing to later stages either unchanged or lower,” said Molly Boesel, principal economist for CoreLogic , in a news release. The rate for early-stage delinquencies was 1.3% “Overall U.S.

Mortgages

Housing Wire

MAY 30, 2024

The data provider examined all stages of delinquencies to gain a complete view of the mortgage market and loan performance health. Early-stage delinquencies (mortgages 30 to 59 days past due) accounted for 1.5% In March 2024, the national delinquency rate for residential mortgages stood at 2.8% in March 2023. “The

Mortgages

Housing Wire

APRIL 26, 2024

The data provider examined all stages of delinquencies to gain a complete view of the mortgage market and loan performance health. Early-stage delinquencies (mortgages 30 to 59 days past due), accounted for 1.5% As later-stage delinquencies decrease, the share of mortgages in foreclosure remained at 0.3% percentage points.

Mortgages

Housing Wire

FEBRUARY 13, 2024

“Master-planned communities continue to attract buyers and outperform the overall new home market by offering a lifestyle, which elevates and links a collection of neighborhoods,” Ken Pearlman, managing principal at John Burns Research & Consulting, said in a statement.

Sales

Housing Wire

AUGUST 9, 2021

By stage, 9.7% of total loans in forbearance are in the initial plan stage, while 82.9% The VA can purchase up to 30% of borrowers’ unpaid principal balance and arrearages, and provide an interest-free subordinate loan similar to a partial claim. The enrollment period for forbearance will conclude at the end of September.

Principal

Housing Wire

DECEMBER 6, 2023

CoreLogic principal economist Molly Boesel attributes much of the stability in the low delinquency rate to low unemployment over the period. While there was a decrease in the share of mortgages six months or more past due, there was a compensating increase in early-stage delinquencies. The overall U.S. The overall U.S.

Mortgages

Housing Wire

DECEMBER 12, 2024

The report showed upward growth across all categories of delinquencies including early-stage, adverse and serious delinquencies. Early-stage delinquencies (30 to 59 says past due) grew by 10 bps over the past year and accounted for 1.6% The report does not include data on secondary liens. CoreLogic said it covers 75% of U.S.

Mortgages

Housing Wire

JUNE 14, 2022

The share of borrowers in any stage of delinquency was at an all-time low in the first quarter of 2022,” said Molly Boesel, principal economist at CoreLogic. While the share of borrowers in any stage of delinquency was at an all-time low in the first quarter of 2022, Boesel expects distressed sales to rise over the coming year. .

Mortgages

Housing Wire

FEBRUARY 9, 2024

“Compared to all interstate movers, Gen Z adults who moved to California, Washington, Colorado or Virginia were more likely to have a four-year college degree, more likely to be serving in the military, and more likely to work in tech ,” Edward Berchick, principal population scientist at Zillow, said in a news release.

Principal

Housing Wire

FEBRUARY 17, 2022

Early-stage delinquency rates (loans 30-59 days past due) receded from a high of 5.4% Mid-stage delinquency rates (loans 60-89 days past due) likewise have dropped — from a high of 4.3% Late-stage delinquency rates (mortgages delinquent 90 days or more) also are down, from a high of 3% in September 2020 to 0.6% as of last month.

Marketing

Housing Wire

JANUARY 30, 2024

A January report by Mortgage Capital Trading (MCT) indicates that MSR pricing is holding up in the market, but the dollar size of MSR pools is expected to erode some in the year ahead due to principal paydowns on low-rate legacy loans as well as the trend of many lenders retaining less servicing on new production. “As

Marketing