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Pending Home Sales Fall in December

 

The pending home sales index, based on contracts signed but not closed in December, was down 24.2% from the prior year's period, according to a report from the National Association of Realtors (NAR). The index, which is considered a leading indicator of existing home sales, had also declined in November, after gains in September and October.

 

Ian Shepherdson, chief U.S. economist with High Frequency Economics, said it's not likely that the index has hit bottom. He says "Consumer confidence has weakened further, the rate of fall of home prices has accelerated and the labor market has deteriorated, so we are of the view that the outlook for housing continues to darken."

 

The aggregate existing-home price is expected to drop 1.2% this year, according to NAR.  NAR sees new-home sales likely declining 17.7% this year, and then rising 7.6% in 2009.

 

By region, December's pending home sales index fell 1.7% in the Northeast, 3.0% in the South and 3.1% in the West. In the Midwest, the monthly index rose 3.4%. Compared with a year ago, the index is down across the country.

 

 

 

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A Quick Home Inspection Checklist

 

With home prices dropping in many areas, home inspectors are finding more and more homes which are less maintained today than they were in the past.  Home buyers are cautioned to keep this in mind when searching for a home, and use this quick home inspection list as a reference when looking at property:

 

EXTERIOR
Check the operation of the windows and screens?
Has water been stopped from accumulating near the building?
Check doors, decks, siding, windows & fences for damage / deterioration?
Are there any signs of water infiltration from the roof, siding or windows?
Are there any signs of gutter or downspout problems?
Are the downspouts discharging water away from the foundation?
Has the soil around the home been pitched away from the foundation?

 

INTERIOR
Have all the areas listed in the home inspection report as inaccessible or not traversed been accessed & professionally inspected to determine if defects exist?
Do the garage doors and their openers function?
Was the reversing devices for the garage door openers tested?
Did you find out why any stains or cracks on any of the walls or ceilings that have become larger or have appeared since the time of the home inspection?    
Have all cracked windows or mirrors been repaired?
Have all the clouded double pane windows been replaced?
Are all the permanently installed fixtures or appliances been in place and in good condition?
Are there any signs of birds, rodents or animals?
Has any damage to damage to the walls, floor or ceilings been repaired?

 

PLUMBING
Do the plumbing fixture faucets leak or drip?
Are the plumbing fixtures chipped or damaged?
Was water for a time through all plumbing fixtures and check for leakage?    
Was water for a time through all plumbing fixtures and check for stoppage?

 

ELECTRICAL
Are all the light fixtures are all in place?
Do the light fixtures, switches and receptacles all function?
Does the door bell work?

 

HEATING AND COOLING
Do the thermostat, heating and cooling systems function?
Is there adequate air flow through the heating and cooling registers?
Did all the radiators or convectors get warm in a reasonable amount of time?

 

KITCHEN
Do all the appliances function properly?
Are the counter tops or cabinets damaged?
Do the cabinets and drawers operate?

 

In the end, remember, never buy a home without having a professional home inspector review things under the microscope.

 

 

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Can't Make the Mortgage Payment? Just Walk Away?

 

More and more borrowers are watching their house values sink while the cost of their loans skyrockets.  What to do?  It appears that some are opting to skip out on the mortgage all together.

 

Homeowners are abandoning their homes and, more importantly, their mortgages, rather than trying to keep up with rising payments on deteriorating assets.  So many people are handing their keys back to lenders that a new term has been coined for it:  "Jingle Mail."

 

Current lending practices have created an environment where a measure as extreme as abandoning a home actually makes sense to some people.

 

Many home buyers put little or no money down, so they don't have much invested in them.  This leaves them with little incentive to keep making payments when a home's market value dips below the balance of the mortgage.

 

The most serious consequence is a tremendous hit to credit scores.  But for some, that's better than throwing away money they'll never recover by selling their home.

 

Credit scores are hurt much more by missing multiple payments - on credit cards, cars and so on - than by a single foreclosure.

 

According to Craig Watts, a spokesman for the credit reporting firm Fair Isaac, "The time it takes to regain your credit score [after foreclosure] can be shorter than after bankruptcy."

 

Lenders are afraid that borrowers may find it's worth the hit to their credit scores, if they can drastically reduce their housing expenses.  Someone with good credit and a $600,000 home in a town with sinking real estate prices could buy a similar house nearby for $400,000, and then let the other $600,000 mortgage go into foreclosure.

 

Now, skipping out on a home is easier, thanks to the Mortgage Debt Relief Act of 2007.  Previously, if a bank sold a foreclosed home for less than the mortgage balance and it forgave the difference, the borrower had to pay tax on that difference as if it were income.  Now the IRS will ignore it.

 

Here's a brief CBS News 60 Minutes clip that shows this is really happening (Clip only runs 1:10)

 

 

Leave us your comments on this article and the video below… we'd love to hear your thoughts on this topic.

 

 

 

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Remodeling Your Insurance After Remodeling Your Home

 

The benefits of renovating your home make the expense an intelligent investment, but protecting that investment is paramount.  That’s why you should consider remodeling your homeowners insurance as well.

 

Renovations often result in homeowners insurance coverage shortfalls in two areas: dwelling protection—which involves structural improvements to your home—and personal property protection.  Built-in enhancements such as new windows, doors, custom cabinets, granite countertops, bars, islands, and flooring need to be brought to the attention of your insurance agent.  You also should discuss any major personal property purchases, including appliances, furnishings, and decorator curtains and blinds.

 

When insuring personal property—especially appliances and electronics—check to see that your policy covers replacement value of your property, rather than the actual cash value.  The actual cash value consists of the replacement cost of an item less the amount it may have depreciated.  Appliances and electronics depreciate quickly.  The amount your homeowners insurance will pay for a depreciated item usually is not enough to replace it with a new one.  Unless you enjoy cruising the thrift stores, you should opt for replacement value.  That way you can shop at Circuit City instead of the Salvation Army.

 

Keeping your homeowners insurance agent in the loop is a good practice in general, but a major remodel should prompt an immediate conversation.  If something happens tomorrow, you want to make sure your homeowner’s insurance will replace what you have today—not what you had yesterday.

 

 

 

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