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Hanover Mortgages

The Refined Mortgage Lending Company & Home Loan Lenders

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Low housing inventory a win for homebuilders

March 24, 2023 by Brett Tams

If national housing inventory were back to normal, we would have 2 to 2.5 million active listings of direct competition for homebuilders.

Posted in: Paying Off Debts, Real Estate Tagged: 2, 2022, 2023, active, All, average, Behavior, Books, bubble, build, builder, builders, business, Buy, buyer, buyers, calm, Census Bureau, Competition, construction, covid, COVID-19, crash, Credit, data, Department of Housing and Urban Development, Development, environment, existing, Existing home sales, Fall, Family, Financial Wize, FinancialWize, Giving, Grow, home, home market, Home Sales, Homebuilders, homes, homes for sale, Housing, housing bubble, housing completions, Housing inventory, Housing market, Housing permits, hwmember, inventory, Listings, low, Main, Make, market, Media, model, More, Mortgage, Mortgage Rates, Move, Moving, natural, needs, new, new home, new home sales, ok, percent, Permits, price, Prices, products, Purchase, rate, Rates, Real Estate, right, sales, Sell, single, single-family, Sites, social, Social Media, story, stress, time, U.S. Census Bureau, under, will, work, working

New home sales climb in February for the third straight month

March 24, 2023 by Brett Tams

New home sales rose yet again in February, jumping 1.1% month over month to seasonally adjusted annual sales pace of 640,000.

Posted in: Mortgage, Mortgage Rates, Real Estate, Refinance Tagged: 2, 2022, All, before, Bright MLS, builder, builders, buyers, Buying, Census Bureau, Competition, data, Department of Housing and Urban Development, Development, estate, existing, Financial Wize, FinancialWize, growth, home, home buying, home inventory, home market, Home Sales, Homebuilders, homes, homes for sale, Housing, Housing market, HUD, inventory, low, Low inventory, making, market, markets, Midwest, mls, More, Mortgage, MORTGAGE RATE, Mortgage Rates, new, new home, new home sales, offers, pandemic, pressure, price, Prices, principal, rate, Rates, Real Estate, rise, sales, Spring, the west, U.S. Census Bureau, volatility, will

5 Things to Know About Zolve Credit Cards

March 23, 2023 by Brett Tams

Zolve offers two credit-builder credit cards for those with no credit or poor credit. Find out how they stack up to other options.

Posted in: Credit Cards, Moving Guide Tagged: 2, 2023, ACH, All, annual percentage rate, app, apr, assets, ATM, Auto, Auto Loans, Automated Clearing House, balance, Bank, bank account, beginner, Benefits, Blog, bonus, Borrow, Budget, build, builder, building, business, cash back, chance, Checking Account, Chime, choice, closing, company, cost, Credit, Credit Bureaus, credit card, credit cards, Credit Cards for Average or Fair Credit, Credit Cards for Bad Credit, credit history, credit limit, credit score, credit scores, credit utilization, credit utilization ratio, credits, currency, data, Deals, Debt, deposit, Deposits, Direct Deposit, discover, Discover it, Economy, employer, experience, FDIC, Fees, Financial Wize, FinancialWize, Fintech, fund, future, gas, gas stations, get started, gift, Gift Cards, gig, gig economy, goal, good, growth, healthy, helpful, high credit limit, history, hold, house, impact, improvements, interest, international, list, Loans, low, LOWER, Make, making, manage, market, minimal, mobile, money, More, nerdwallet, new, offer, offers, or, Original, Other, payment history, payments, paypal, place, poor, products, proof, Purchase, rate, ready, Research, restaurants, Review, Reviews, rewards, second, secured card, secured credit card, security, security deposit, single, social, social security, Spending, tax, tax refunds, time, traditional, Transaction, u.s., upgrade, value, variable, venmo, visa, will, withdrawal, work, working

VA Escape Clause – VA Home Loans – Veterans Affairs (.gov)

March 23, 2023 by Brett Tams

VA Escape Clause – VA Home Loans  Veterans Affairs (.gov)

Posted in: Savings Account Tagged: agents, All, Benefits, build, builder, buyer, color, company, construction, contracts, cost, deposit, Deposits, design, down payment, earnest money, escrow, estate, event, Finance, Financial Wize, FinancialWize, funds, home, home loans, HR, items, Legal, loan, Loans, making, money, negotiate, new, new construction, or, Other, price, property, Purchase, questions, Real Estate, Real Estate Agents, Refund, Regulatory, return, sales, seller, The VA, title, title companies, Transaction, upgrades, VA, value, veterans, veterans affairs

Praise Be! 1970s Savannah Church Destined To Be a Divine Dwelling for $695K

March 20, 2023 by Brett Tams

The seller of this divine listing in Savannah, GA, had begun to transform it from a 1970s church into a contemporary home.
Posted in: Checking Account Tagged: 1970s, ad, affordable, agent, art, Bedrooms, builder, building, buyer, buyers, city, Compound, construction, country, Credit, custom, dream, Entertainment, estate, Family, Financial Wize, FinancialWize, foreclosure, ga, gpt, great, history, home, homes, house, Housing, HVAC, improvements, job, kitchen, Live, Make, market, modern, needs, new, News, oak, offers, or, Original, Other, photography, price, property, Real Estate, realtor, Realtor.com, renovation, river, Sanctuary, seller, social, space, Style, unique, upgrades, walking, will, work, Yard

Blend reports massive losses as cost-cutting continues

March 20, 2023 by Brett Tams

Blend Labs was hit especially hard by the mortgage market’s woes last year, posting a $763.8 million net loss over 2022. The mortgage fintech is anticipating growth in the second half of this year, but in the meantime is providing revenue guidance on a quarterly rather than annual basis, executives said Thursday evening in an … [Read more…]

Posted in: Refinance, Renting Tagged: 2, 2021, 2022, Administration, aid, Bank, Banking, banks, Blend, Board of directors, bridge, builder, business, CEO, company, Consumer banking, cost, Credit, Debt, deposit, earnings, equity, expenses, Fall, Finance, Financial Wize, FinancialWize, Fintech, Grow, growth, home, home equity, Home equity loans, improvement, Income, initial public offering, Insurance, IPO, Leaders, line of credit, liquidity, loan, Loans, low, market, measure, Media, Mobile technology, More, Mortgage, mortgage market, new, News, Nima Ghamsari, or, Original, Origination, Originations, Personal, points, president, quality, Refinance, Revenue, second, shares, Silicon Valley, silicon valley bank, Spending, stock, Technology, Tim Mayopoulos, time, timeline, will

Newly built homes too pricey for most Americans: report

March 19, 2023 by Brett Tams

While the current housing market is considered more favorable to buyers than sellers by some mortgage industry leaders, plenty of obstacles remain for aspiring homeowners, especially those looking to buy new properties. Only 35.9 million out of a total of 132.5 million households are currently able to afford a newly built home based on 2022’s … [Read more…]

Posted in: First Time Home Buyers, Refinance, Renting Tagged: 2, 2022, 2023, 30-year, 30-year fixed rate, affordability, analysis, app, Applications, average, brokerages, builder, builders, Built, Buy, buyers, construction, data, Discounts, down payment, estate, existing, Fall, Family, Financial Wize, FinancialWize, first time home buyers, fixed, fixed rate, Freddie Mac, government, home, home market, home prices, home purchase, home purchase applications, home purchases, Home Sales, Homebuilders, homeowners, homes, household, household income, Housing, housing costs, Housing inventory, Housing market, Housing markets, Income, industry, interest, Joel Kan, Leaders, loan, Loans, manage, market, MBA, Media, More, Mortgage, Mortgage Bankers Association, mortgage payment, Mortgage Rates, Mortgages, NAHB, new, new home, News, Other, payments, president, Press Release, price, Prices, programs, property, Purchase, purchase applications, purchase market, quality, rate, Rates, Real Estate, real estate market, Redfin, REMAX, Research, rise, Rising mortgage rates, sales, seasonal, second, sellers, single, single-family, survey, time, trends, volume, will

The Fed Will Still Raise Rates in March, And That’s Why Rates May Keep Falling

March 18, 2023 by Brett Tams

There’s certainly a chicken/egg problem when it comes to interest rate news. Is it the Fed’s decisions that move rates? Or do market forces move rates, thus forcing the Fed to react? The answer is somewhere in between. If inflation and economic growth were always positive, low, and stable, the Fed would never lift a finger, but they are compelled to act when stability is threatened. Since March 2020, the Fed has acted quite a bit. They maintained rate-friendly policies for almost 2 years and then got precipitously unfriendly early in 2022. “Unfriendly,” in this case, refers to hiking the Fed Funds Rate and buying fewer bonds on the open market. The combined effect was one of the sharpest rate spikes in history. Now after more than a year of unfriendliness, the Fed is finally thinking about leveling off and seeing how things play out without too many more rate hikes. They’ve already decreased the pace from 0.75% per meeting to 0.25%. This isn’t a random decision on the part of the Fed. It comes in response to shifts in inflation data as well as other signs that their unfriendly policies are having an effect on the economy. The latest sign is the banking drama that has been in the news this week. It began with Silicon Valley Bank last week but spiraled into a bigger problem with the closure of Signature bank over the weekend. Many people have never heard of these institutions, but they now represent the 2nd and 3rd largest bank failure in US history.

Posted in: Refinance, Renting Tagged: 2, 2022, All, assets, Bank, Banking, banks, bonds, builder, Builder Confidence, Buy, Buying, chicken, construction, Credit, Credit Suisse, data, decision, decisions, Economy, environment, existing, expectations, experience, fed, Financial Wize, FinancialWize, flight, Forecasts, friendly, funds, future, goals, growth, history, home, Home Sales, Housing, Housing market, impact, improvement, Inflation, interest, interest rate, interest rates, low, LOWER, market, markets, More, Mortgage, mortgage market, MORTGAGE RATE, Mortgage Rates, Mortgages, Move, new, new home, new home sales, News, or, Other, panic, policies, pressure, price, Raise, random, rate, Rate Hikes, Rates, safety, sales, selling, Silicon Valley, silicon valley bank, stable, stock, stocks, sustainable, the fed, time, Treasury, updates, will

Blend focuses on tech, cost reduction as it reports $769M loss

March 18, 2023 by Brett Tams
Blend focuses on tech, cost reduction as it reports $769M loss

Blend Labs is focused on cutting costs and courting more users to its Blend Builder platform after posting a $768.6 million net loss in 2022. 

Posted in: Mortgage, Refinance Tagged: 2, 2021, 2022, 2023, agents, All, Applications, Bank, Banking, betting, Blend, build, builder, Built, business, california, company, Consumer banking, cost, Credit, credit cards, cutting costs, Debt, driving, earnings, Earnings call, equity, expectations, expenses, Financial Services, Financial Wize, FinancialWize, Forecast, future, goal, home, home equity, Housing, improvement, Income, industry, jobs, lenders, line of credit, liquidity, loan, Loans, LOS, low, LOWER, Make, market, marketable securities, More, Mortgage, mortgage applications, Mortgage Rates, new, Nima Ghamsari, Online Banking, or, Origination, Originations, Personal, Personal Loans, products, Rates, Refinance, Relationships, Revenue, securities, single, Software, suite, Technology, time, timing, title, trend, u.s. bank, volume, Websites, wells fargo, white, will, working

Katelyn Sailor’s Colorful NYC Home Tour – The Everygirl

March 18, 2023 by Brett Tams

Katelyn Sailor’s Colorful NYC Home Tour  The Everygirl

Posted in: Bank Accounts Tagged: 2, 2022, 2023, adventure, advice, airbnb, All, Amazon, apartment, apartment tour, art, bathroom, bed, bedding, bedroom, big, bold, Books, bookshelves, boring, builder, Career, Careers, city, coffee, coffee table, color, couple, creativity, customer service, decisions, Decor, decorate, decorating, design, DIY, DIY Projects, eating out, expensive, facebook, Financial Wize, FinancialWize, fireplace, food, freedom, friendly, fun, furniture, gallery, gallery wall, GEM, great, home, Home Decor, Home Improvements, home tour, house, How To, impact, improvements, Inspiration, Instagram, items, kitchen, Life, light fixtures, Live, Living, living room, love it, Make, making, Manhattan, marble, market, Media, modern, More, Move, Moving, needs, neutral, new, new york, new york city, north carolina, nyc, offer, Opinion, or, Original, pandemic, park, patience, patterns, percent, personality, pillows, pink, place, Popular, pretty, Prices, project, projects, Rent, renter, restaurant, right, room, safe, self-employed, seller, Side, small apartment, space, Spring, square footage, story, stress, Style, target, thrift, thrift stores, time, tour, Travel, trend, tv, under, unique, upgrade, upgrades, upper west side, walking, wall, white, work, working, working from home, young
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