PHH Home Loans, LLC Blog

PHH Home Loans Market Commentary

This week brings us the release of five pieces of economic data that may impact mortgage rates in addition to two Treasury auctions and the minutes from the latest FOMC meeting. None of the events are considered key or expected to be a market mover, but most of the reports carry enough importance to affect mortgage pricing if they show a decent sized variance from forecasts. There is nothing set for release Monday, leaving the stock markets to be most likely force behind a noticeable move in rates Monday. The first release of the week will be April’s New Home Sales report at 10:00 AM ET ...

May 22nd, 2017 PHH Home Loans Market Commentary

You've Got A Little List - A Creative Approach to Creating Buyer Self-awareness

You can often move a 3,000 square foot home into the divide between what a buyer says they want (especially when they emphatically tell you that they know exactly what they want) and what they really want. That gap grows wider once they start visiting prospective houses and seeing things they hadn't thought of, didn't know existed or didn't realize they could or couldn't live without. Most buyers have a general idea of their necessary house features, neighborhood qualities, community amenities, etc. Maybe. But why risk ever-shifting priorities and desires - and prolonging the house hunt for y...

May 22nd, 2017 You've Got A Little List - A Creative Approach to Creating Buyer Self-awareness

Should Your Homebuyers Be "Anti-septic"?

Getting to Know Septic Systems Waste is a terrible thing to mind - and it's something that your homebuyers have to consider when they are looking at a home that has a septic, rather than a public sewage, system. Homebuyers may be surprised to learn that septic systems aren't limited to rural areas and small towns - cities with older neighborhoods/suburbs that were independently founded and then later absorbed by the city proper might still use septic to dispose of their waste. In fact, according to the Environmental Protection Agency, one in five U.S. households use either an individual onsite...

May 21st, 2017 Should Your Homebuyers Be "Anti-septic"?

Upgrades For Your Home to Save Energy & Boost Your Resale Value

Many of today’s homeowners would benefit from a home energy audit, especially those with older homes. An audit will uncover where your home is wasting energy and how to best remedy the situation. Remodeling your kitchen, bathroom or living room may add to your home's resale value, but the following energy-efficient upgrades not only adds value, saves you money on your utility bills, but you’ll help the environment, too. Replace Old Windows & Roofing If you have old, drafty windows with loose frames or gaps that let conditioned air escape, you’re losing money. Replace them...

May 18th, 2017 Upgrades For Your Home to Save Energy & Boost Your Resale Value

PHH Home Loans Market Commentary

This week brings us only three pieces of relevant monthly economic data, none of which are considered to be highly important. That makes it likely that we will see less movement in mortgage rates than last week. The week starts off slow with nothing of relevance set for release Monday. April’s Housing Starts will start the week's activities early Tuesday morning. This report will give us an indication of housing sector strength and mortgage credit demand by tracking newly issued permits and actual starts of new home construction. It is expected to show an increase in new construction sta...

May 15th, 2017 PHH Home Loans Market Commentary

Online Home Values And The Price of Your Home

Plenty of sellers have visited online home valuation sites such as Zillow, Trulia, and others only to be shocked at the published value of their homes. Most sellers are pleased when the values appear higher than they expected, but many online valuations come in far lower. So should you use these values to price your home for sale? Estimating a home’s market value is far from an exact science. What these sites attempt to do is provide greater transparency to homebuyers and sellers by making data derived from public records more accessible. They publish what you paid for your home and how ...

May 11th, 2017 Online Home Values And The Price of Your Home

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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.