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New Homes In Utah - Slowdown Creates Deals
2007-10-07 18:22:00
After several years of torrid growth, Utah homebuilders are seeing the brakes being applied to their new homes. In a comprehensive report by the Salt Lake Tribune, the current state of new homes in Utah was revealed.But by July, it became painfully apparent that even Utah's hot economy couldn't prevent residential construction along the Wasatch Front from plummeting to 10-year lows. Faced with this turn of events, builders have been forced to make substantial layoffs and offer thousands of dollars in incentives that could benefit anyone in a position to buy a home right now.Like a motorist suddenly jamming on the brakes to avoid a crash, Utah's homebuilders were sort of blindsided by the slowdown.Though sales were strong early in the year, by summer demand for new homes had dropped sharply, with homebuilding activity in August the worst in years.Some homebuilders turned to increased incentives to sell homes. Others have laid of staff. Some have done both. At Hamlet homes for ...
More About: New Homes , Homes

Utah Mortgage Fraud - Another Guilty Plea In Multi-million Dollar Scam
2007-10-06 02:38:00
The Provo Riverbottoms housing scam has netted another guilty plea, from another respected citizen. Verrel Clark Blaisdell was a school teacher in the Alpine School District. Today he pleaded guilty to communications fraud in a Utah Country courtroom. Like two other co-conspirators, Mark Atkin and Dave Fox, Blaisdell made his plea in abeyance and has agreed to testify against Bradley Kitchen who is accused of masterminding the operation.Blaisdell also acted as a straw buyer in this scheme and misrepresented facts on his loan application. Another person is also expected to follow suit and make a plea to the lesser charges. The State Office of Education is investigating Blaisdell's teaching license.What started out as a simple real estate investing scheme has turned into a nightmare for not only those involved, but for those even living in the neighborhood. This flipping scheme inflated values in the area so much that tax assessments this year were much higher than normal. The ...
More About: Fraud , Mortgage Fraud , Dollar , Mortgage , Multi

Jobs Report Makes Fed Rate Cut Less Likely
2007-10-05 17:53:00
It seems like Wall Street is always anticipating a Fed rate cut. Until the Fed finally lowered rates September 18th, almost every financial article discussed the possibility. After the cut was made, all media could do was discuss that cut. Now that another FOMC meeting is imminent, talks of a rate cut have resumed.Today's jobs report may have put the brakes on that thinking. Jobs were created in September at a level slightly above expectations and August's figures were revised up significantly.Further supporting a Fed hold on rates is a statement by the Fed Vice Chairman, Donald Kohn. In a speech to the Philadelphia Chamber of Commerce, Kohn said, "But pending further evidence, a 50-basis-point easing was not an unreasonable first approximation of what might be required to keep the economy on a sustainable growth path."Kohn continued by suggesting the Fed may reverse itself provided sufficient positive economic data is presented -It would be better for the Fed to respond "too...
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Casey Serin - A Secret Email
2007-10-04 17:28:00
I'm not sure what to do with the information I received in an email this morning. I haven't had contact with Casey Serin since he left the country for Australia back in June, 2007. In my email this morning was a private email between Casey and Keith from Housing Panic. It essentially gave an update of all that was going on in his life. Why I wound up with it, I don't know.My dilemma is, Keith seemingly wants to post this email verbatim on his blog as an exclusive, but hasn't yet done so. I'm sure he also doesn't know that I have a copy of the message. To be fair, what I'll do is summarize some of the key points and leave some of the real juicy facts for Keith to handle later.Three key points mentioned here are:1. Casey is workingI'm working a stable consulting job for an experienced entrepreneur.Consulting is a generic term which means I'm doing whatever needs tobe done. The best part is I have a slice of ownership in the venture.So its the best of both worlds - the ...
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Mortgage Fraud - Not A Victimless Crime
2007-10-03 18:56:00
More details from the Dave Fox, Bradley Kitchen mortgage fraud case emerged today making every homeowner in the Provo Riverbottoms neighborhood a potential victim.The scheme, allegedly masterminded by Kitchen, had "investors" buying and reselling the same homes in the neighborhood over and over. Ultimately the values of the entire neighborhood shot up so much they have been over assessed for tax purposes.About 200 residents in that neighborhood feeling soaked by high property assessments flooded the board of equalization (aka the County Commission) this year, demanding they take another look at their property valuations. The county did, lowered many of the values and is now looking at the 350 homes that didn't appeal.What was allegedly being done with certain properties in the Riverbottoms is that homes were bought and sold quickly and repeatedly among a circle of investors who artificially inflated the cost of the homes and then took the profits.KUTV sportscaster Dave Fox and Mar...
More About: Fraud , Crime , Mortgage Fraud , Mortgage , Rime

No Closing Cost Refinances - Where Should You Turn?
2007-10-03 18:37:00
In 2003, when interest rates neared all time lows, the brokerage I worked for spent a lot of time originating and funding no closing cost refinances.In a continuously dropping rate environment, no fee loans made sense, especially if the new rate was lower than the existing rate which may have had closing costs and fees associated with it.Surprisingly, we're in a similar environment now with the potential for rate decreases increasing every day. On top of an enticing rate environment, a surplus of existing adjustable rate mortgages provide a compelling reason to refinance into a fixed rate.What is a homeowner to do? If only they could refinance without coming up with closing costs?Troubled mortgage lender Countrywide is advertising no closing cost refinances on TV all the time now. They are not the only ones. But many "no fee" loans simply have the fees hidden into the rate or in the loan amount. They'll claim a no out of pocket expense loan is the same as free. How can a homeowner...
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Credit Crunch Softening - Mortgage Availability Levels Off
2007-10-02 17:18:00
The credit crunch of August that inspired so much fear in the financial markets seems to be levelling off. The Dow has regained all of its' substantial losses, consumer spending remains high, commercial construction spending is up and it appears the credit crunch has lost its bite.Two trends that limited the number of qualified borrowers, a higher LIBOR rate (affecting subprime adjustable loans) and higher long term rates seem to have reversed themselves.Speaking in London, former Fed Chair Alan Greenspan noted -Similarly, the interbank lending rate, which jumped in recent weeks amid fears about insolvencies, has started to come down, but "not all the way," Greenspan said Monday during a public talk in London to promote his new book.Greenspan also noted that subprime loans were not the problem, but the securitization of those loans helped cause the current lending situation. I submit it was the misuse of subprime loans by unscrupulous mortgage brokers that was a strong contributo...
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Foreclosure Investing Requires Patience and Determination
2007-10-01 18:17:00
For real estate investors, the nation's rising foreclosure rate may sound like good news. Seemingly, an investor can go out and profit handsomely from other people's mistakes. Unfortunately, the realities of foreclosure investing are much riskier and time consuming.The news of lenders going bankrupt and record numbers of foreclosure filings have many would be investors turning to foreclosures. As usual, a slew of foreclosure seminars are turning up. I've even seen a few infomercials in the Salt Lake market. If you're serious about real estate investing, stay away from such nonsense. The New York Times reported the "success" of one such student in a great article about foreclosure investing -After taking a seminar in buying foreclosures, Todd Vela, a salesman for a nutritional supplement wholesaler, bought two houses nearing foreclosure last fall not far from his home in Grand Rapids, Mich. He said he paid about $20,000 for a dilapidated four-bedroom house in a neighborhood...
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Dave Fox Answers
2007-10-01 02:40:00
As many readers may have heard, KUTV sportscaster Dave Fox has had a little bit of real estate related legal problems to deal with.When he returned to the air on KFAN this week he addressed them. Based on the low number of comments on KFAN's blog, I suspect most people haven't heard his response.To me, Fox sounded contrite in his explanation of the situation...even a little embarrassed. It also sounded like at least three other people who also served as straw buyers in the scheme will plead guilty to lesser charges like Fox did.Take a listen for yourself. The original source is here.
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Commercial Construction Eases Residential Troubles
2007-09-29 17:24:00
Some people thought I was crazy last year when I suggested any downturn in residential construction would be absorbed by gains in commercial.I even got into a debate with Mike Shedlock, a respected writer with a pessimistic view towards the economy.Nearly 10 months have passed since that exchange took place. Where are we today? Despite the residential marketplace slowing down in some markets and a "credit crunch" taking place, commercial construction really has turned into a savior. The widespread job losses thought to come from a residential slowdown have not taken place. Presumably some of these workers have gone to the commercial side. August's employment report showed a surprise loss of 4,000 jobs, but since then employment has done shockingly well.A report out yesterday showed that on a national scale, commercial construction is indeed making up a lot of ground for the decline on the residential side.Construction spending posted a bigger-than-expected 0.2 percent gain in A...
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Local Vs. National Real Estate - Please Draw the Line
2007-09-28 17:55:00
For those of you readers who live in Utah, I've got a question. Have you ever noticed, especially in local TV news, that nearly every national story gets spun in a way it relates to Utah? If a player on a successful sports team is from Utah, it gets mentioned. If some national story is getting a lot of attention, a Utah tie is always pulled in. My favorite is when a natural disaster strikes somewhere. The lead story on the 10 o'clock news will always be, "Could (insert natural disaster here) happen in Utah?"The Salt Lake Tribune has suddenly inserted Utah home builders into the housing slowdown, like they would insert a tsunami into the Great Salt Lake. A story this morning is titled - Housing slump: Utah's new-home sales fall, building permits slide. OK, local builders are seeing a slowdown in traffic and sales, but this article provides no evidence of it. The article is a mishmash of national figures with only one local statistic and that is regarding building permits -Along th...
More About: National , Estate , Real Estate , Local , Real

Mortgage Fraud 101 - The Straw Buyer
2007-09-27 16:05:00
Sportscaster Dave Fox is a pretty popular guy. Yesterday's article detailing his plea in abeyance for communications fraud during a real estate deal drew more traffic than I've seen since writing about Casey Serin.More details have been revealed about Fox's case I wanted to go over. Having read some of the comments on KSL's story, I also wanted to go over what a straw buyer is in relation to mortgage fraud and why it's possible Dave Fox was a victim in this case.I have not seen the details of Dave Fox's case, but as I'm reading various articles a few things are becoming clear.1. There was only one home involved - The Deseret News noted, "He purchased a home, which he's responsible to make all the payments for, and he got no money out of it," said attorney Jim Bradshaw.2. Fox claims he made no money - "There are people who did make money off of this transaction, but the one who was stuck with the loss was Dave Fox."3. The nature of the plea involved intent to occupy the...
More About: Fraud , Mortgage Fraud , Mortgage , Buyer , Mort

Mortgage Fraud Crackdown Nets Local TV Personality
2007-09-26 18:05:00
Dave Fox, lead sportscaster on KUTV News entered a guilty plea in abeyance for communications fraud yesterday in a what is shaping up to be a huge mortgage fraud case involving millions of dollars.Fox, along with Mark Atkin entered guilty pleas and intend to cooperate with authorities in their investigation of a dozen others including the supposed mastermind Brad Kitchen of Sequoia Capital. Kitchen was arrested in March for a house flipping scheme in Provo.The Salt Lake Tribune reports the two men "failed to occupy the residence" and face penalties of a $500 fine and three years probation.Fox and Atkin claim they were innocent in the scheme and see cooperation as the best way to vindicate themselves.Dave Fox's attorney said, "This is a resolution that makes sense for David Fox. It's a resolution that recognizes he is a victim and provides a means for him to be a witness in other cases for the prosecution."This reminds me of another high profile mortgage fraud case that recently pl...
More About: Fraud , Mortgage Fraud , Mortgage , Local , Personality

Home Prices - Like Apples and Oranges
2007-09-25 17:13:00
Home prices plummet in steepest drop in 16 years...screams one headline. Home sales continue spiral down...another warns.When readers look at the content of the article, they find something a little different inside. But it's already too late. The article title has already made the impact and that's all most people will remember.Over the past few years, anyone associated with the real estate industry has had their numbers questioned every time they're published. "The NAR is corrupt," some say. "You can't trust the numbers," others say. "We're headed for a housing crash of epic proportions and everyone who works in real estate is a liar," is a common statement at Housing Panic. It's become so widespread, even the National Association of Realtors is having to address it.May I suggest the discrepancies between the different reports are not a matter of fabrication, but simply a matter of apples and oranges?Let's talk about the numbers that came out this morning. The conte...
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Sam Zell, Confidence and Real Estate Investing Opportunities in Salt Lake C
2007-09-24 18:12:00
I found an interesting article this weekend about Sam Zell, the billionaire real estate investor who recently sold his company in a top of the market type of transaction to the private equity firm Blackstone Group.Many people who hear about a deal like this question how it applies to them. After all, this Sam Zell is a multi-billionaire who owned 540 commercial properties and has business interests all over the world. If one looks at the details of Zell's experience and his transactions, it's a bit easier to compare them to deals and philosophies on a lower level.Let's look at his recent commercial real estate sale. Commercial real estate is booming, why not sell for a higher price later? Two reasons come to mind. First of all, Zell is a contrarian investor. If everyone else is doing it, he wants out. He sees value where other people don't. Once his investments attain value, he moves on. The second answer concerns human psychology. If you get an offer that's too good ...
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FHA Reform Hits The Wall
2007-09-21 16:04:00
The FHA legislation being debated in Congress seems to have come to an impasse. How long that will last, nobody knows.After being approved by the House of Representatives on Tuesday, H.R. 1852 - a.k.a the "Expanding American Homeownership Act of 2007" - went to the Senate Banking Committee where its version was passed on Wednesday.Federal Reserve Chairman Ben Bernanke and Secretary of the Treasury Henry Paulson spent Thursday in front of the House of Representatives testifying about the constraints they're placing on a "housing bailout." At issue is the potential moral hazard such action may cause. Nobody at the hearing believed their actions would create such a situation."Nothing being contemplated rises to the level," said Frank, Democratic chairman of the House Financial Services Committee."I don't see a moral hazard," said Paulson, Republican secretary of the Treasury."I see no problem," said Bernanke, independent chairman of the Federal Reserve Board.Rep. Barney Frank is e...
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Utah Real Estate - Being Late to the Party is Good?
2007-09-20 18:02:00
It's been my experience over the years to observe that Utah is behind the times of national trends by about two years. Whether the trend is music, fashion, or whatever else, the time frame is always about two years. The same is true with real estate. 2005 marked the year housing prices really took off in Utah...about two years behind the rest of the country.Could our coming late to the party actually prevent a major downturn? Just as Utah's home builders are beginning to feel some pain and time to sale has increased, Government steps in deus ex machina style lowering rates and easing loan standards in a tightening credit landscape. These actions were intended to help the deeply troubled areas of the country avoid disaster. In Utah, it could help us avoid even a pinch of pain.The Salt Lake Tribune reported yesterday Utah's job growth has been phenomenal. While the rest of the country saw only a 1.1 percent growth rate for August, Utah's was 4.5%. Since last year, Utah has...
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FHA Loan Reform - One Step Closer To Becoming Law
2007-09-20 17:17:00
The Senate Banking Committee has approved its version of the FHA reform bill passed earlier this week by the House of Representatives. Passing by a vote of 20-1, the legislation must now go to a vote of the full Senate before it can be signed into law."These changes will help make FHA a more effective and fiscally sound tool for homeownership," said Sen. Christopher Dodd (D-Conn.), the chairman of the Senate Banking Committee.Some of the key provisions of the House bill, HR 1852, include:On Tuesday, the House passed legislation that would increase the maximum term of FHA-insured mortgages to 40 years from 35 years, raise the agency's loan limit to $730,000 from $362,000 and reduce the minimum down payment and credit score required of borrowers.Additionally, the legislation would make it easier for brokers to become FHA licensed as an arduous audit has been replaced with a fidelity bond requirement. Upon Senate approval, the contents of the two pieces of legislation need to be reco...
More About: Reform , Loan , Step , Closer

Has Government Knocked Out the Housing Crisis?
2007-09-19 20:44:00
In a swift, one-two punch the U.S. government knocked out the housing crisis yesterday. Punch one came from the Federal Reserve Board as they lowered short term interest rates by half a point. Later in the day punch two landed when the House of Representatives passed H.R. 1852, known as the Expanding American Homeownership Act of 2007 which allows more borrowers to qualify for government guaranteed mortgages.Wall Street cheered and the stock indexes responded with huge gains. Stocks have added to the gains today. H.R. 1852 goes before the Senate today and we should have word that it passed by the end of the day. President Bush should sign it into law by next week.Why do I think this combination will be effective? First of all, a rate cut by itself won't necessarily prevent borrowers with adjustable loans from defaulting. Many of the at risk loans are tied to indexes that are not tied to the Federal funds rate. The vast majority of subprime loans for instance are tied to LIB...
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FHA Mortgages - Reform Bill H.R. 1852 Passes House
2007-09-19 01:47:00
Key legislation in changing the face of the FHA loan program cleared a major hurdle today when it passed a vote in the U.S. House of Representatives.H.R. 1852, the Expanding American Homeownership Act of 2007, passed by a vote of 348 - 72. The Senate must pass it next before President Bush can sign it into law. A number of provisions are built into this Act. Key among them are payment affordability provisions, expanded credit qualification and higher loan limits. For a full list of the changes, click here. Section three of the Act carries the most punch:Amends the National Housing Act to: (1) modify requirements governing the maximum principal loan obligation; (2) extend the mortgage term from 35 to 40 years; and (3) revise requirements for cash downpayment by the mortgagor in the eligibility criteria for mortgage insurance, including mortgage insurance premiums for zero- and lower-downpayment borrowers who obtain a mortgage secured by a one- to four-family dwelling.(Sec. 7 ) Di...
More About: Reform , Mortgages , Bill , Mort

Fed Cuts Rates Significantly
2007-09-18 20:34:00
The Federal Reserve Board has just announced it cut the key short term interest rate by half a percent, pushing the rate down to 4.75%. As a result, the prime rate has dropped as well to 7.75%. While the rate cut was widely anticipated, the degree to which it dropped is a bit surprising to some.This key rate affects the cost of borrowed money for adjustable rate mortgages, credit cards and car loans. It also affects the rate of return for cash investors who are now seeing their yields drop by the same amount.A full wrap up along with reactions from the blogosphere will appear at Easy Mortgages later today.
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If You Build It...
2007-09-18 03:43:00
Many of the nation's home builders are finding it's no longer a matter of building houses to get them to sell. Now, more than ever, location, floor plans and pricing are motivating factors.With home sales declining nationwide, Hovnavian Build ers tried an aggressive sales approach this past weekend by offering substantial discounts on its existing inventory in communities across the country.Initial sales figures released tonight show this marketing campaign was a success.The company issued a press release this afternoon saying they had gross sales of 2,100 homes over the weekend: that's 1,700 contracts with 400 deposits.Those are some interesting numbers. CNBC reports that not all the paperwork was completed yet due to overwhelming demand. Apparently business was so brisk the sales agents didn't have time to write up all of the contracts on the sales. Another possibility concerning this numerical disparity suggests buyers were purchasing more than one home at a time. Until th...

Greenspan Lets It Fly
2007-09-17 03:49:00
Like any celebrity with a movie, a television series or book to sell, Alan Greenspan is on the media circuit pitching his new book entitled The Age of Turbulence: Adventures in a New World.I watched his segment on 60 Minutes tonight and a few things struck me about the man who determined Federal fiscal policy for most of the past two decades.First of all, this guy is serious about everything he undertakes. Economics wasn't the first career path he went down. Baseball was his first love. For an uber geek that's the sport that makes most sense as scoring a game is a science unto itself. Music was his second love as he was good enough to play the saxophone and clarinet professionally immediately after high school. But economics is where he made his mark, ultimately guiding the U.S. economy through a number of potential calamities including the crash of 1987 - Black Monday, the S&L crisis and 9/11's disruptive effects among others.Some people blame Alan Greenspan for the cur...
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Daybreak Doldrums?
2007-09-15 17:10:00
Daybreak, the large, master planned community, owned by Kennecott Land has seen its sales come to a screeching halt.Located on the West Benches of the Salt Lake Valley, Daybreak has long defied the market trends on that side of town by continuing to be popular. While other homes languished due to an oversupply of inventory, Daybreak saw strong sales.One of my sources claimed homes in the area above $300,000 are just sitting with no sales activity whatsoever. There simply isn't any interest. Even sales for homes in lower price ranges, $200,000 - $250,000 have slowed down drastically.Why is this happening?Time of year immediately comes to mind as school has started and Fall is in full swing. But I don't think that's it.How about financing difficulties? There are still lenders out there that go to 100% financing with as low as a 580 credit score. No stated income of course. Most borrowers I see have much higher scores. Sure it's getting tougher for first time home buyers, b...
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Mortgage Paperwork - Get Ready For More
2007-09-15 00:01:00
One of the results of the mortgage meltdown is the inevitable reform to prevent such a crisis from happening again. I think some of the reforms being presented are a good idea. To give you some feeling for what's going to be taking place, let me share an email I received today from one of our lenders. U.S. Bank is instituting a Net Tangible Benefit form to be submitted with all loan paperwork. My representative wrote:This document is a result of new laws in several states and pending legislation in others. I know they are considering legislation that will impact PLMs in Utah right now. U.S. Bank has decided to implement this stipulation on refinances before it?s mandated by HUD.One of the things we're hearing now is some borrowers who refinanced into adjustable rate mortgages didn't know the terms of their loan. This form contains twelve questions so borrowers better understand their new loan. The questions are -Is the interest rate for the new loan lower than your existi...
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New Homes Are Where the Real Estate Deals Are
2007-09-14 01:15:00
Gough Homes Parade EntryThe irony of what I'm about to write is pretty delicious. The same group of people, home builders, who are partially responsible for the run up in home prices are now the source of some of the best real estate deals. It's at their expense of course, but still pretty interesting. As this housing crisis plays out, it could very well be the home builders that help change consumer sentiment.Hovnanian Builders, one of the nation's oldest and largest new home builder has a massive sales promotion taking place this weekend. The price slashing is deep.Hovnanian Enterprises Inc., struggling like other home builders, is offering six-figure discounts on some of its properties this weekend as it attempts to draw interest in a slumping market.The sales blitz involves dropping prices by more than 20 percent on some of its prime real estate.The largest discounts are on the most expensive homes, including a 3-bedroom condominium by the Hudson River in West New York, which...
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FHA Mortgages - New Hope For Prospective Homeowners
2007-09-13 17:47:00
I have long been criticized for expressing optimism towards the housing market, both in Utah and on a national scale. One of the hedges to a housing collapse I always felt existed was the Federal Housing Administration, a government agency tasked with promoting and enabling home ownership in the United States.Over the year I've been covering the housing downturn, FHA has quietly been making adjustments in policies to continue to provide affordable loans to the important sector of first time home buyers. As house prices increased drastically over the past five years, FHA was slow to keep up. This year they substantially increased loan limits across the country. In Utah, this was great timing as median house prices far exceeded the existing FHA limit.Now FHA is looking at further modernizing and I think the changes should be welcomed. First of all, loan limits are looking at being raised to match that of the "conforming" limits issued by GSEs Freddie Mac and Fannie Mae. This si...
More About: Hope , Mortgages , Owners , Prospect , Homeowners

Wishing Prices
2007-09-12 22:52:00
I received an email from a reader last night who is trying to sell their house in the Salt Lake valley. It has been on the market since July, but was under contract for three weeks before the sale failed due to financing falling through.Without getting into all the details of the email, the bottom line was, should the sellers lower their price or wait longer to see what happens?Here we have a problem of wishing prices. Buyers have the same psychological problem as well, but we'll touch on that a bit later. Sellers have been so used to getting what they ask for, the possibility of negotiation has become a completely foriegn concept. Homes sell for what the market will bear, nothing more, nothing less. If your property is part of a subdivision that looks like everything else around and there is an over supply of homes, your house will sell for less. Be prepared.As sellers, we are psychologically blinded when it comes to all the components of a real estate transaction. We think...
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Blogs Site Map
2007-09-12 22:10:00
Click a link for all articles posted in each topic across the network of sites.100% financing (1)2-1 buydown (1)2006 housing statistics (1)2007 forecast (3)3oceans blog (2)3rd quarter utah home prices (1)5 things (1)80/20 (1)able buyer (1)adjustable rate mortgages (1)Aerosmith (1)aitd (2)all inclusive trust deed (4)appraisals (1)appraisers (1)arm refinancing (3)arms (2)auto loan refinance (1)auto loans (1)auto loans for bad credit (1)bad credit (1)ben bernanke (4)bennion (1)blanket loan (2)blog carnival (7)blogging ethics (1)bubble bloggers (5)building costs (1)byron goates (1)carnival of real estate (2)carnival of real estate investing (3)case shiller index (1)casey serin (20)casey serin disappearance (5)casey serin jail (2)cash offers (1)christmas (1)cnn money (2)commercial building (4)commercial construction (1)commercial loans (1)commercial real estate (8)construction (1)cpi (1)creative financing (1)cyberstalkers (1)dave ramsey (1)derek burress (1)draper (1)duane legate (1)due o...
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9/11 and Real Estate
2007-09-11 19:32:00

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