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Underwater Borrower Rate Drops Below 17 Percent

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Post Home Equity Home Values Underwater Mortgages Zillow 2014-12-18 Brian Honea in Daily Dose, Featured, Market Studies, News The number of U.S. homeowners who owe more on their mortgage than their home is worth has fallen off by nearly half in the last two years, but third-quarter data shows millions are still close to slipping back under.In a report released this week, property data company Zillow estimated that 8.7 million homeowners living in the nation’s top housing markets were underwater on their mortgage as of the end of the third quarter, putting the country’s negative equity rate at 16.9 percent. The U.S. underwater rate peaked at 31.4 percent in 2012’s first quarter.”The market has made terrific strides since bottoming out in late 2011 and early 2012, with millions of underwater homeowners freed in just the past few years, and millions more set to surface in coming months and years,” said Dr. Stan Humphries, chief economist at Zillow.By the end of Q3 2015, the company expects negative equity will drop further to a rate of 15.2 percent.While improving trends in home values and foreclosures have helped push more homeowners into positive equity positions, many are still barely afloat, possessing too little equity to realistically afford the cost of selling their home and buying a new one. Because they’re essentially locked into their houses, those homeowners are unable to contribute to their local stock of for-sale homes and are stuck in the way of entry-level or move-up buyers.Factoring in that group, Zillow estimates the “effective” negative equity rate is closer to 35 percent.On top of that, most of the improvement in home values has happened in the housing market’s highest price tier, where homeowners are only about one-third as likely to be underwater as those in bottom-tier homes (9.3 percent compared to 27.4 percent).The gap is even greater in some of the nation’s still-struggling markets—like Detroit, where nearly 50 percent of homes valued in the bottom price tier were underwater, while 7.6 percent of the highest-priced homes were upside down.Humphries says those problems are partly a reflection of some of the housing market’s current challenges, including low inventory, rapid value appreciation, and weak sales.”None of these problems will be solved overnight, in large part because negative equity will likely be a part of the housing market for years, and easily into the next decade in some hard-hit areas,” he said. “But we’re moving in the right direction, and time will heal all wounds.” About Author: Brian Honea Underwater Borrower Rate Drops Below 17 Percent Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: Home Equity Home Values Underwater Mortgages Zillow Share Save Demand Propels Home Prices Upward 2 days ago December 18, 2014 891 Views Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily center_img The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles The Best Markets For Residential Property Investors 2 days ago Previous: HUD Secretary Vows to Make Greatest Use of Allotted Resources in 2015 Next: Fannie Mae Forecasts Economic Growth in 2015 Despite Ending Year On a Low Note The Best Markets For Residential Property Investors 2 days ago Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Home / Daily Dose / Underwater Borrower Rate Drops Below 17 Percent Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Subscribelast_img read more

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Tottenham Move ahead of Man Utd in Race to Sign Bale

first_imgGareth Bale’s former club Tottenham have stolen a march on Manchester United in the race to sign him, according to reports.Sportsmail revealed on Monday that United are considering a dramatic move for the Real Madrid forward with their hopes of signing Jadon Sancho fading.The 31-year-old Welshman is one of several options on the table with manager Ole Gunnar Solskjaer determined to bring in a right-sided forward before the transfer window closes next month. But ESPN report that Tottenham have moved ahead of the Old Trafford club and claim the north London club have already made efforts to strike a deal with their former star and the Spanish giants.The report adds that while United’s chances of signing Bale hinge on the outcome of their pursuit of Borussia Dortmund star Sancho, Spurs manager Jose Mourinho has made it clear to chairman Daniel Levy that he needs attacking reinforcements to ease the goalscoring burden on Harry Kane.The same news outlet adds Bale is attracted by the prospect of a move to Old Trafford, but claim Spurs have the upper hand because United boss Solskjaer only sees the four-time Champions League winner as a back-up option to England star Sancho.Bale has been frozen out by coach Zinedine Zidane and is keen to leave the Bernabeu after Madrid scuppered his transfer to Jiangsu Suning in China last summer by demanding a transfer fee once he had agreed wages of £1million per week.Bale moved to Spain from Tottenham for £86m in 2013 and still has two years left on his contract, but Madrid have expressed a willingness to pay 50 per cent of his £600,000-a-week salary to help smooth his departure.And if United opt for a move for Bale, they are likely to propose a loan which would allow them to try again for Sancho at the end of the 2020-21 season.But Bale’s age and recent injury record will count against him and there are still many stages to pass before a return to the Premier League occurs.Bale scored 56 goals in 203 appearances for Spurs between 2007 and 2013 after arriving from Southampton in 2007.Despite having revived their long-standing interest in Bale, United are keeping their options open with Inter Milan’s Ivan Perisic, Kingsley Coman of Bayern Munich and Douglas Costa, who was put up for sale by Juventus at the weekend, among the other players under consideration.The Old Trafford hierarchy began exploring other possibilities after accepting that it may not be possible to sign Sancho before the transfer deadline on October 5.United agreed terms with the 20-year-old player and his representatives last week, but Dortmund are refusing to accept anything below their £108m valuation. The player is also happy in the Bundesliga and is reticent to force through a move.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegramlast_img read more

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