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Cityscape Mortgage Corp.
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We Deliver The Best Mortgage Solutions Simply & Easily
We Deliver The Best Mortgage Solutions Simply & Easily

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We Close on Most HOME LOANS in 30 DAYS or LESS
Call Now: 917.363.4685
Free Rate Quote: https://gocityscape.com/contact-email-form
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Why Pay A Higher Rate
When You Don't Have To?
Come Home To The Experts.
FREE RATE QUOTE - https://gocityscape.com/contact-email-form
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A Common Mistake Home Buyers Should Avoid
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Home Buyer Must Haves Mean Compromise

Searching for a home to buy can be frustrating. Mostly because it's not always easy to find a house in the right neighborhood with every one of the features you dreamed of. If you find the perfect kitchen, the house will have too few bedrooms. Or you'll find a house with the right number of bedrooms and the kitchen will be too small. In other words, buying a house means compromise. And, in today's market, buyers are having to make difficult choices. For example, a new analysis from the National Association of Realtors' consumer website found that for 73 percent of recent buyers school district was an important factor in deciding which house to buy. But, among those buyers, nearly 80 percent said they had to give up other home features in order to find a house in their preferred district. Some of the features these buyers said they gave up included a garage, a large backyard, an updated kitchen, and an outdoor living area. In short, you might not get everything you want in one house. So prioritize your wish list and know what's most important to you. More here - https://akzomedia.us7.list-manage.com/track/click?u=65e6dbfded12c6820319fdd85&id=a8d5494a35&e=e321af2520
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How Affordability Perceptions Affect The Market

Perception doesn't always match reality but, when it comes to financial markets, it can make a difference. For example, if you've ever invested in the stock market, you know that a company's stock can rise or fall based on the day's news, even if the company's fundamentals and outlook remain the same as the day before. In short, perception matters. And, in today's housing market, there's a perception that there are few affordable homes available to prospective buyers. In fact, according to a recent analysis from Fannie Mae, though only 8 percent of homeowners consider their current mortgage unaffordable, 45 percent said that affordable housing is difficult to find in their area. Which provides a snapshot of what is going on in many markets across the country. Homeowners that want to sell may be waiting because they don't feel they'll find an affordable house to move into. The flip side of this, however, is that as long as current homeowners aren't selling their homes, inventory shortages will continue, which is the primary factor behind recent price increases. More here - http://fanniemae.com/portal/research-insights/perspectives/affordability-perceptions-housing-palim-062718.html
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Majority Say They Want To Own A Home In Retirement
The vast majority of surveyed Americans say that homeownership is among their retirement goals, according to a recent survey. In fact, 85 percent of non-retiree respondents said they want to own their own home in retirement and believe they can pay off their mortgage before they retire. But, though non-retiree participants feel like they'll have their mortgage paid off in time, more than 25 percent of retired respondents said they're still paying off a mortgage and over half of those had a balance of more than $50,000. In short, Americans may be a bit too optimistic. But regardless of whether or not they make it, the debate about homeownership and retirement will continue. On the one hand, tax breaks and equity make a good case for the wealth-building benefits of owning a home. But, on the other hand, property tax, maintenance and potential renovation costs can add unpredictability to a household budget that may largely be fixed. In the end, which situation is the right one for you will ultimately depend on your personal finances, assets, and outlook – as there is no one-size fits all strategy for meeting your retirement goals. More - https://www.housingwire.com/articles/46054-most-americans-want-to-own-a-home-in-retirement?utm_source=AKZO+Media+Subscribers&utm_campaign=ea81e2a9c5-EMAIL_CAMPAIGN_2018_07_13_02_02&utm_medium=email&utm_term=0_134f701abc-ea81e2a9c5-186348729
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How A Sellers' Market Could Be Good For Buyers

The housing market is about supply and demand. When there are a lot of buyers and too few homes, prices and competition rise, making it a good time for homeowners who want to sell. When there are more homes than buyers, prices fall and bargains abound. In short, the market will usually favor either buyers or sellers. But, naturally, conditions that are good for buyers will lead to more buyers and vice versa. In other words, the pendulum swings back and forth. Which is why, a recent survey holds hope for buyers concerned about higher prices and increasing competition. The National Association of Realtors’ Housing Opportunities and Market Experience survey found that 75 percent of Americans think now is a good time to sell a home. And, if the perception that it’s a good time to sell leads to more homes being listed for sale, that will soon begin to moderate prices, making buying a more affordable proposition for the almost equal number of Americans who say they think now is a good time to buy. More here – https://www.nar.realtor/research-and-statistics/research-reports/homeownership-opportunities-and-market-experience-survey/2018-q2-homeownership-opportunities-and-market-experience-home-survey
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Food & The Home Buying Experience
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What Do Homeowners Do With Their Equity?

One of the main arguments in favor of buying a home is equity. When you rent, you’re sending your monthly payment to a landlord. As a buyer, your monthly mortgage payment is helping to build equity. Of course, many homeowners wait and then, following the sale of their house, use their accumulated equity to help buy their next home. But you can also use a home equity loan to access the value your home has accrued. So what do homeowners who take home equity loans do with the money? Well, a recent survey asked borrowers and came up with an answer. Not surprisingly, the top reason homeowners took out loans was to fund home improvement or remodeling projects. This is a common strategy since taking out a loan to improve your house means you may be able to recoup some of the cost if, and when, you sell the home. Other common answers included money to invest in another property, emergency expenses, retirement funds, and debt consolidation. More here – https://www.prnewswire.com/news-releases/lendingtree-reveals-how-your-neighbors-are-utilizing-equity-in-their-homes-300667774.html
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Buyer Demand Remains High Despite Rising Prices

Home prices have been on the rise for a while now. But, in most cases, the jump in values was really just prices recovering the losses suffered following the financial crisis. After the housing crash, prices plummeted and, in the years following, they have rebounded. Now some markets have fully recovered and some are even surpassing previous peaks. But despite this climb in prices, and recent mortgage rate increases, home buyers have not been deterred. In fact, a recent outlook from Freddie Mac says that sales should increase this year and again in 2019. “Buyer resiliency in the face of higher rates reflects the healthy economy and strong consumer confidence,” the report reads. But, though high demand is driven, in part, by a stronger economy and job market, it also reflects the fact that, though conditions have changed, in many markets home price and mortgage rate increases haven’t pushed past the point of affordability. More here – http://www.freddiemac.com/research/outlook/20180524_housing_demand_steady.html
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