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Is This The Face Of A Bubble? It's official. The New York Times has reported that the Denver real estate market has slowed. What could this mean for the rest of the country? "Sellers continue to profit," says the paper, but "houses are sitting on the market longer, buyers are negotiating harder, and some owners, particularly young buyers who may have been counting on rapid appreciation, are postponing dreams of renovations, moves to larger homes and big savings for their families." The Denver results are neither shocking nor horrifying. What they show is that real estate is simply a localized
Mortgage Rates U.S. averages as of July 28, 2005:30 yr. fixed: 5.77%15 yr. fixed: 5.34%1 yr. adj: 4.46%30 yr. jumbo: 6.98%-->
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commodity and that commodity prices can rise and fall. The National Association of Realtors says that Denver homes in the first quarter of this year were priced at
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Existing Home SalesExplode Record Existing-home sales surpassed market expectations and reached another record in June as low mortgage interest rates and favorable market conditions continued to attract buyers, according to the National Association of Realtors. Total existing-home sales -- including single-family, townhomes, condominiums and co-ops -- rose 2.7 percent in June to a seasonally adjusted annual rate of 7.33 million from an upwardly revised pace of 7.14 million in May. Sales were 4.4 percent above the 7.02 million-unit level in June 2004; the previous record was 7.18 million in April of this year. David Lereah, NAR's chief economist, said home sales were expected to ease slightly from peaks reached over the last couple of months. "Just when you think sales activity is ready to settle into a more sustainable pace, the housing market continues to surprise," he said. "We've been expecting sales to remain at historically high levels,
Myths that May be KeepingYou From Owning a Home Are you short that 20 percent down payment? Have you been in a job less than five years? Is that out-of-control college credit card frenzy years ago keeping you from even thinking about applying for a home loan? If any of these scenarios ring true for you, it doesn't mean you can't buy a home. Although rising home prices are making it increasingly difficult for first-time homebuyers, more Americans could own a home if they were more in tune with accurate information about the homebuying process and the range of loan products available. Indeed, The Fannie Mae National Housing Survey reveals that some Americans have erroneous beliefs about why they can't own a home. "The demand for homes might be even greater if more Americans were knowledgeable about the home-buying process and the opportunities that exist in being a homeowner," the survey says. For example, 14 percent of Americans said they would like to buy a home in the next few years but say it's financially out of reach. Another 10 percent say they would like to buy, can afford to, but cannot buy for other reasons. "In particular, there is a gap between
Stone is a GrowingTrend for Home Decor It's as old as time, but as popular as ever. Stone is rapidly making its way into homes as perhaps one of the fastest growing decorating trends. The European Old World look brings with it not only a luxurious style but also an ease and comfort that gives a home personality. Homeowners are leaving behind the once-preferred 70's looks of wall-to-wall carpeting throughout the house, linoleum kitchen floors and vinyl tiles in the bathroom, and instead choosing natural stone, Versailles patterns, travertine, and limestone, with honed-matte finished surfaces. For countertops, homeowners are using two tones, finishing their kitchen island in maybe limestone and the surrounding kitchen countertops in granite materials for a unique style.
CONTINUED >>>Local Market Conditions
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