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I head to Central Texas today (A53 on Southwest; something about maybe seeing an eclipse); statewide Texas home ownership rate is about 64 percent. This is a shade lower than the 66 percent nationwide. (Home ownership & operational challenges facing lenders are a couple of the topics Mike Metz with Arizona’s V.I.P. Mortgage will discuss today at 2PM CT.) And a huge percentage of those homeowners have low fixed rates. People can be “locked-in” or constrained in their ability to make appropriate financial changes, such as being unable to move homes or sell assets due to tax burdens. In the U.S., nearly all 50 million active mortgages have fixed rates, and most have interest rates far below prevailing market rates, creating a disincentive to sell. These frictions, whether institutional, legislative, personal, or market-driven, are a real problem. The FHFA, Fannie & Freddie’s conservator, has a research piece on this since residential rea
North-carolinaUnited-statesIranFloridaDenverColoradoGeorgiaIsraelArizonaTexasAmericanRobbie-chrisman(SF GATE) – Last week, out of complete desperation, Mike Metz of Los Angeles hopped a flight to the Bay Area for a slice of his favorite maple pound cake. And his wife’s must-have s’mores bar. Without so much as a second thought, the TV writer and father of two booked a hotel, flew into…
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