PHH Home Loans, LLC Blog

PHH Home Loans Market Commentary

This week brings us the release of only three pieces of moderately important economic data for the bond market to digest along with the minutes from the most recent FOMC meeting. Making things a little more interesting is the fact that all of the week’s events take place over only three days. The financial markets will be closed Monday in observance of the President’s Day holiday, so don’t expect to see new mortgage pricing until Tuesday morning. Due to the holiday, this report will not be updated Monday. The first piece of data is January’s Existing Home Sales report b...

February 20th, 2017 PHH Home Loans Market Commentary

What You Should Know About Flood Insurance

What's on tap for flood insurance? Potentially something smarter and safer From the house with a sweeping ocean view to the neighborhood a mile from a creek that last flooded in the 1930s, you've had your share of deals that hung in the balance because of flood insurance. Federally mandated (and mortgage-company required), it incurs an up-front outlay at closing and then an ongoing premium payment that continues to rise - and depending upon the home's level of flood risk, those costs can be considerable. The National Flood Insurance Program (NFIP), operated by the Federal Emergency Managemen...

February 17th, 2017 What You Should Know About Flood Insurance

Your Clients Need You More Than Ever

In unsettled times, your clients need you more than ever We are in extraordinary, unpredictable times. The standard rules no longer apply in terms of politics or policy - both of which, as seen by the sudden, albeit not stunning, reversal of the FHA mortgage insurance premium discount, will are going to weigh on home buyers and sellers. But out of uncertainty comes opportunity: never has the need for your expert guidance been more critical. Those buyers and sellers need a real estate professional with both the market and people experience to instill calm and confidence by providing education a...

February 17th, 2017 Your Clients Need You More Than Ever

The Three Most Important Responsibilities Buyers Have

The American dream of owning a home is something everyone should have if they want it. You should be able to live where you want and enjoy the features of your environment that help you relax, entertain, play, and do more of the things you enjoy without the restrictions imposed by a landlord. You can own a pet, build a treehouse, paint the walls your favorite color, and play music and videos as loud as you like without disturbing your neighbors. That’s the essence of the dream — independence. For most first-time buyers, it’s better to accept that for dreams to come true, you ...

February 16th, 2017 The Three Most Important Responsibilities Buyers Have

PHH Home Loans Market Commentary

This week brings us the release of six monthly economic reports that have the potential to influence mortgage pricing. Some of those releases are considered to be highly important to the financial and mortgage markets. In addition to the data, we also have a couple of Fed congressional events that will draw much attention. Therefore, we can expect to see an active week for mortgage rates, particularly the middle days. The week's calendar starts early Tuesday morning when the Labor Department releases their Producer Price Index (PPI) for January. This index measures inflationary pressures at th...

February 13th, 2017 PHH Home Loans Market Commentary

Selling Your Home This Year? 6 Reasons to Renovate Now

Face it. Your home’s not perfect. You may keep up with general maintenance, and perhaps you’re meticulously clean. But how old is your kitchen? Do your paint colors reflect current trends? Could your living room use some updating? When it comes to selling your home today, it’s got to be perfect, or buyers will simply move on to the next option. Doing some renovations, whether that means overhauling areas that are long overdue for a facelift or making some simple changes that freshen up the place, is typical. But if you’re thinking they can wait until you’re ready ...

February 9th, 2017 Selling Your Home This Year? 6 Reasons to Renovate Now

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PHH Home Loans, LLC

PHH Home Loans, LLC, 1 Mortgage Way, 3rd Floor, Mt. Laurel, NJ 08054. NMLS ID # 4256. (www.nmlsconsumeraccess.org). Massachusetts Licensed Lender #MC4256; Licensed by the New Hampshire Banking Department; Rhode Island Licensed Lender. Equal Housing Lender.

PHH Home Loans, LLC d/b/a Coldwell Banker Home Loans.  1 Mortgage Way, 3rd Floor, Mt. Laurel, NJ 08054. NMLS ID #4256. (www.nmlsconsumeraccess.org) Alaska Licensed Mortgage Lender #AK4256-2, 866-462-8266; Arizona Residential Mortgage Licensee #BK 0907285; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Licensed by the Delaware State Bank Commissioner  #8094; Georgia Residential Mortgage Licensee #20292; Illinois Residential Mortgage Licensee #MB.6759857; 100 W. Randolph, 9th floor, Chicago, IL 60601, 800-532-8785; Massachusetts Licensed Lender and Mortgage Broker #MC4256; Minnesota – This is not an offer to enter an interest rate lock-in agreement; Montana Licensed Mortgage Lender #4256; Licensed by the New Hampshire Banking Department; Licensed by the New Jersey Department of Banking and Insurance; Licensed Mortgage Banker – NYS Banking Department; Ohio Certificate of Registration  MB. 804019; Rhode Island Licensed Lender. Equal Housing Lender.