PHH Home Loans, LLC Blog

PHH Home Loans Market Commentary

This week brings us the release of only three monthly economic reports, none of which are considered to be highly important. The main focus of the week will be the Federal Reserve and their mid-week events. We can expect to see some portfolio positioning as that day comes closer, meaning the next couple of days could still bring changes to mortgage rates despite the lack of important data. August’s Housing Starts will start this week's activities early Tuesday morning. It tracks groundbreakings of new home projects but likely will not affect mortgage rates unless its results vary greatly...

September 18th, 2017 PHH Home Loans Market Commentary

What Sellers Should Know About Pets and Showings

When you put your home on the market, you need to ensure that buyers and their agents feel welcome to look at the property at their leisure without danger or distractions. So while you adore your normally sweet-tempered pit bull rescue, he could turn territorial, barking and growling at potential homebuyers. And it that could cost you the opportunity to sell your home. Think of buyers as guests and work to make them feel comfortable as they consider your home for purchase. If you have a protective dog or one that isn’t well-trained, drop her off at doggie day care when you know your home...

September 14th, 2017 What Sellers Should Know About Pets and Showings

Helping Sellers "Fall" Into the Autumn Selling Season

The sun will soon be setting on summer and the traditionally "hot" selling season - but as you know just because the leaves are starting to turn doesn't mean that buyers have "turned off." Every season presents its opportunities and challenges, and whether the weather is balmy or brrr it's up to sellers to ensure that their houses are in tip-top showable shape - and your expert guidance can help, inside and out. Grooming the greenery In climates where the leaves start to turn and fall, rule one for sellers is to make sure that yards and walks are clean and uncluttered. Aside from raking the le...

September 13th, 2017 Helping Sellers "Fall" Into the Autumn Selling Season

Why Multigenerational Living Is The Trend With No End

That guest room you had planned to shelter the occasional out-of-town guest might not stay a guest room for long. And that empty-nest syndrome you’ve been worried about? It’s may not be such a worry after all. Multigenerational living is one of the hottest trends in real estate, and if you haven’t yet considered bringing different generations of your family under one roof, it may just be a matter of time. “The number and share of Americans living in multigenerational family households has continued to rise, even though the Great Recession is now in the rear-view mirror,...

September 13th, 2017 Why Multigenerational Living Is The Trend With No End

PHH Home Loans Market Commentary

This week has five pieces of monthly economic data for the markets to digest, most of which is considered to be important. There are also two Treasury auctions that have the possibility to affect mortgage pricing. All of the relevant economic data comes the latter part, so we could see the most movement in rates as the week progresses. The first activity of the week is the first of two Treasury auctions that have the potential to influence mortgage rates. They are Tuesday's 10-year Treasury Note auction that will be followed by a 30-year Bond sale Wednesday. It is fairly common to see some wea...

September 11th, 2017 PHH Home Loans Market Commentary

Using Gift Money For Down Payments

To take advantage of low interest rates while home prices climb higher and higher, some homebuyers need help accumulating enough money for a down-payment. To satisfy secondary market loan package purchasers such as Fannie Mae and Freddie Mac and insurers like the Federal Housing Authority, lenders have strict rules about where down-payment money originates. Lenders prefer that borrowers supply their own down-payment funds. It shows they have “skin in the game” and that they are good with money and can meet their financial goals. But thanks to the Great Recession and the slow road b...

September 7th, 2017 Using Gift Money For Down Payments

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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.