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Brian S. Icenhower - ArticlesBrian S. Icenhower, BS, JD, CRB, CRS, ABR is an attorney, a real estate broker, an instructor in real estate law at the College of the Sequoias, a California Association of Realtors Director, a real estate litigation expert witnes, a prosecution consultant for district attorney real estate fraud units, and a frequently published author. He may be reached at bicenhower@icenhowerrealestate.com or at http://www.icenhowerrealestate.com.
How Local Elections can Dictate the Value of your HomeWith local elections on the horizon, it is essential to understand the significant impact that our newly elected leaders will have on real estate values in our area. Most individuals consider housing, or shelter, to be a necessity item on par with essentials such as food and water. The Economy’s Impact on Senior Housing TrendsThe United States Census Bureau has reported that a third of the country’s population will be 50 years or older by the year 2010. Accordingly, a 2009 study conducted jointly by the National Association of Home Builders (NAHB) and the MetLife Mature Market Institute (MMI) revealed that the Baby Boomer generation alone will represent 25% of the United States population by 2010. With seniors representing such an astonishingly larger segment of the housing market, it is important to assess how recen Free Market Lends Federal Housing Stimulus a HandEconomic experts overwhelmingly agree that before the United States financial crisis finally comes to an end, declining housing values must be halted so that real estate will once again provide adequate security for lenders to make loans comfortably. How The U.S. Federal Reserve Lost Control Of Mortgage RatesDespite the United States Federal Reserve Board’s diligent attempts to stimulate the economy throughout the year of 2008 by repeatedly reducing the Federal Funds rate, the typically correlating thirty-year average mortgage rate stubbornly remained unchanged through the first quarter of 2009 as if mortgage rates had intentionally ignored Board Chairman Ben Bernanke’s seemingly regular rate cut announcements. An Overview Of New Tax Incentives & Lending Requirements For HousingAttempts by Federal and State governments in the first quarter of 2009 to stimulate home sales have resulted in the creation of significant incentives for buyers seeking to take advantage of attractive housing prices across the United States. Investing In Foreclosure And Reo PropertiesThe investment quandary as to the best method for acquiring foreclosed property at heavily discounted prices inevitably surfaces at the same stage in the real estate cycle every ten to twenty years. After housing booms and home prices correct back to affordable levels, real estate investors are suddenly inundated with an almost overwhelming supply of potential homes to choose from. Home Loan Modifications ExplainedContinuous declines in United States’ housing values after the mid-2000s caused an increasing number of borrowers to explore the loan modification process in an attempt to avoid losing their homes to foreclosure. Effective Economic Stimulus for HousingNow that the majority of elected officials serving in Congress and the White House have publicly stated their resolute intent to spend United States Treasury funds to attempt to stimulate the nation’s economy, the ideological debate as to whether it is proper to use taxpayer dollars in support of this effort should now be set aside as moot. It is more appropriate for our nation’s leaders to focus on the most effective, timely and relatively frugal means of achieving the desired end. The Glass-steagall Act’s Loss is the Community Reinvestment Act’s GainThe Gramm-Leach-Bliley Act (GLBA) of 1999, repealed the portion of the Glass-Steagall Act of 1933 that prohibited banks from consolidating with investment houses while the GLBA also expanded the influence of the Community Reinvestment Act of 1977 which requires banks to make loans to higher-risk borrowers. Although the lethal economic brew imposed by the GLBA was not exposed immediately after its passage due to the rapid appreciation of both the housing and securities markets shortly thereafter The Relationship Between Home Prices and Rent AmountsIt is widely accepted that rent amounts are a fundamental factor in determining the value of housing. If housing prices rise too far out of line with rents, a combination of declines in home values and increases in rent amounts will ultimately occur and enable these two averages to correct back toward each other.
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