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Con las últimas noticias, historias e información corporativa de HomeFactor Financial
Blog

The Big Picture
For as long as I can remember, “Don’t fight the Fed” has been a universally held axiom which means no matter how right you think you are, the Fed can do the opposite for a lot longer than you can stay solvent. And the Fed has issued many warnings that rates will...

Industry Update – January 18th
I’ve seen predictions for where home prices will finish in 2023 that range from +5% to -25%. Here’s why I lean toward the upper end of that range, especially in our markets.

Welcome to 2023
Welcome to 2023. I’d like start-off by congratulating Abby for closing our first loan of the year! The first of many for her and for HomeFactor Financial. We all know that mortgage is cyclical, but it is also incredibly seasonal. The chart below shows just how much...

For Mortgage Companies, This Time is Different
In a recent HousingWire article, mortgage M&A experts predicted that as many as 33% of the largest independent mortgage banks would not survive to the end of 2023. The experts expect large numbers of mergers, acquisitions, or outright failures. In the...

Market Update – Oct 28
I've seen some crazy headlines recently, all breathlessly calling the housing market in some form of collapse. I saw one headline (out of maybe 40) that actually got it right by calling-out the differences between the data and perception in today’s market, so here’s...

Revisiting the Adjustable Rate Mortgage
Since the start of 2022, the average 30yr fixed mortgage rate (as measured by the Mortgage Bankers Association) has skyrocketed 1.84 percentage points, from 3.52% to 5.36%. On a $250,000 mortgage, that represents an additional annual cost of around $4,600 in...

Por qué ganan los corredores
¿Por qué los agentes hipotecarios ganan cuota de mercado de forma constante cada trimestre? Porque los agentes proporcionan un valor muy superior a los compradores de vivienda que los prestamistas hipotecarios tradicionales. Un agente de préstamos hipotecarios tradicional es un poco como un vendedor de coches que trabaja para un determinado concesionario. Un coche...

Entender la relación entre los tipos hipotecarios y los fondos federales
Nuestros clientes nos preguntan a menudo por qué los tipos hipotecarios aumentan antes de que la Reserva Federal suba los tipos de interés. La respuesta radica en que hay muchos mercados diferentes en los que confluyen prestatarios y prestamistas y los mercados de préstamos a corto plazo no...

Nuestra filosofía de contratación
"La incapacidad de imaginar a un determinado tipo de persona haciendo un determinado tipo de cosas porque nunca has visto a alguien que se parece a él hacerlo antes no es sólo un vicio. Es un lujo. Lo que empieza como un fallo de la imaginación termina como una ineficiencia del mercado: cuando...

Corredor vs. Prestamista, ya no es una competencia
At Home Factor, we are proud to be a mortgage broker. Why? Because the decision between being a “lender” and a “broker” should come down to one question: which one serves customers best? Anyone taking the time to assess the trends in mortgage lending will come to the...