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I would definitely expect more of it. Buyers may not pay for it. The seller or builder may pay for it to get a house sold. - Keith Gumbinger Quotes

I would definitely expect more of it. Buyers may not pay for it. The seller or builder may pay for it to get a house sold.

Keith Gumbinger

Welcome to the cold reality. A lot of people selected short-term interest rate product and are now beginning to see how these things benefit the lender. - Keith Gumbinger Quotes

Welcome to the cold reality. A lot of people selected short-term interest rate product and are now beginning to see how these things benefit the lender.

Keith Gumbinger

As rates creep higher, we're likely to see more [loan] prices being put out into the marketplace which feature points as part of the equation, ... points are coming back into the lending lexicon. - Keith Gumbinger Quotes

As rates creep higher, we're likely to see more [loan] prices being put out into the marketplace which feature points as part of the equation, ... points are coming back into the lending lexicon.

Keith Gumbinger

In many markets, it's possible to borrow at prime or even a quarter to a half a percentage point below prime. - Keith Gumbinger Quotes

In many markets, it's possible to borrow at prime or even a quarter to a half a percentage point below prime.

Keith Gumbinger

If you've already got one set up, you're good to go. - Keith Gumbinger Quotes

If you've already got one set up, you're good to go.

Keith Gumbinger

This would free up cash now, while still minimizing their exposure to rising rates during the period they expect to remain in the house. - Keith Gumbinger Quotes

This would free up cash now, while still minimizing their exposure to rising rates during the period they expect to remain in the house.

Keith Gumbinger

If you've refinanced in the last 18 months or two years, this movie's a rerun. Rates aren't at compellingly low levels. - Keith Gumbinger Quotes

If you've refinanced in the last 18 months or two years, this movie's a rerun. Rates aren't at compellingly low levels.

Keith Gumbinger

If you're the gambling sort, you could get into an interest-only product and bet that the market will build equity for you. - Keith Gumbinger Quotes

If you're the gambling sort, you could get into an interest-only product and bet that the market will build equity for you.

Keith Gumbinger

Most borrowers have some financial cushion so the impact won't be immediate; spending an extra $380 is manageable at first. But it's safe to say there are some who will find themselves in budgetary difficulties a year or two down the road. - Keith Gumbinger Quotes

Most borrowers have some financial cushion so the impact won't be immediate; spending an extra $380 is manageable at first. But it's safe to say there are some who will find themselves in budgetary difficulties a year or two down the road.

Keith Gumbinger

Listing the person with the higher credit score as the primary borrower, ... may knock as much as two percentage points off the interest rate. - Keith Gumbinger Quotes

Listing the person with the higher credit score as the primary borrower, ... may knock as much as two percentage points off the interest rate.

Keith Gumbinger

They're trying to make home prices more expensive, so some of this speculative activity will decrease, and incomes will have a chance to catch up. - Keith Gumbinger Quotes

They're trying to make home prices more expensive, so some of this speculative activity will decrease, and incomes will have a chance to catch up.

Keith Gumbinger

Home

If the Fed's cuts succeed in stimulating the economy, then mortgage rates are actually likely to rise, - Keith Gumbinger Quotes

If the Fed's cuts succeed in stimulating the economy, then mortgage rates are actually likely to rise,

Keith Gumbinger

If the Fed's cuts succeed in stimulating the economy, then mortgage rates are actually likely to rise. - Keith Gumbinger Quotes

If the Fed's cuts succeed in stimulating the economy, then mortgage rates are actually likely to rise.

Keith Gumbinger

You could go to almost any lender and for no fees find yourself with a decent rate. - Keith Gumbinger Quotes

You could go to almost any lender and for no fees find yourself with a decent rate.

Keith Gumbinger

Mortgage rates come down when fixed-income investors think the economy is slowing, not because the Fed cuts rates. - Keith Gumbinger Quotes

Mortgage rates come down when fixed-income investors think the economy is slowing, not because the Fed cuts rates.

Keith Gumbinger

Things are definitely getting more expensive. - Keith Gumbinger Quotes

Things are definitely getting more expensive.

Keith Gumbinger

There's no way for consumers to borrow more cheaply. But that might change if the Fed raises rates a couple more times. - Keith Gumbinger Quotes

There's no way for consumers to borrow more cheaply. But that might change if the Fed raises rates a couple more times.

Keith Gumbinger

[But all of that has changed in just a matter of months.] Lenders don't have people beating down their door for their loan, ... You're more in the captain seat than you were even a week ago. - Keith Gumbinger Quotes

[But all of that has changed in just a matter of months.] Lenders don't have people beating down their door for their loan, ... You're more in the captain seat than you were even a week ago.

Keith Gumbinger

Whenever business slips a little, lenders trot this stuff out. - Keith Gumbinger Quotes

Whenever business slips a little, lenders trot this stuff out.

Keith Gumbinger

No-money-down home purchases used to be the kind of thing you only saw on late night TV. - Keith Gumbinger Quotes

No-money-down home purchases used to be the kind of thing you only saw on late night TV.

Keith Gumbinger

With rates as low as they are people can cut years off the mortgage for the same monthly payment. - Keith Gumbinger Quotes

With rates as low as they are people can cut years off the mortgage for the same monthly payment.

Keith Gumbinger

The question you need to ask yourself is, why would a bank be pitching you this product at this time? The obvious answer is that bankers believe rates will rise in the future. Getting you out of a fixed loan and into a variable one helps ensure profitability on your account. - Keith Gumbinger Quotes

The question you need to ask yourself is, why would a bank be pitching you this product at this time? The obvious answer is that bankers believe rates will rise in the future. Getting you out of a fixed loan and into a variable one helps ensure profitability on your account.

Keith Gumbinger

These loans can be of value for people who want to save or invest the money they would have paid in principal, ... Unfortunately, the way the product has been pitched, borrowers have been encouraged to stretch their budget to buy more house. - Keith Gumbinger Quotes

These loans can be of value for people who want to save or invest the money they would have paid in principal, ... Unfortunately, the way the product has been pitched, borrowers have been encouraged to stretch their budget to buy more house.

Keith Gumbinger

There are a variety of methods by which bridge loans are made. - Keith Gumbinger Quotes

There are a variety of methods by which bridge loans are made.

Keith Gumbinger

It certainly could cause a change to the marketplace, ... But you're trying to talk about whether the 14th card might fall when first one hasn't fallen yet. - Keith Gumbinger Quotes

It certainly could cause a change to the marketplace, ... But you're trying to talk about whether the 14th card might fall when first one hasn't fallen yet.

Keith Gumbinger

If you're making a pre-payment on your mortgage principal, ultimately you'll pay less interest, - Keith Gumbinger Quotes

If you're making a pre-payment on your mortgage principal, ultimately you'll pay less interest,

Keith Gumbinger

Someone who will be out of their home within five years to seven years can save some money with an ARM. But you have to be aware of the reality that interest rates are likely to be somewhat to significantly higher in three years, five years, 10 years down the road from today. - Keith Gumbinger Quotes

Someone who will be out of their home within five years to seven years can save some money with an ARM. But you have to be aware of the reality that interest rates are likely to be somewhat to significantly higher in three years, five years, 10 years down the road from today.

Keith Gumbinger

[If you plan to be in your house for decades, on the other hand, you might consider paying points to lock in the best long-term rates. Points, which cost one-half of a percent to 1 percent of the loan and are paid up front, let you buy a better interest rate.ÃÂ ] If you pay points up front, it's harder to get your money back, ... When rates are high, borrowers have to pay points to trim rates any way they can, but with rates so low there is really no need to pay those points. - Keith Gumbinger Quotes

[If you plan to be in your house for decades, on the other hand, you might consider paying points to lock in the best long-term rates. Points, which cost one-half of a percent to 1 percent of the loan and are paid up front, let you buy a better interest rate.ÃÂ ] If you pay points up front, it's harder to get your money back, ... When rates are high, borrowers have to pay points to trim rates any way they can, but with rates so low there is really no need to pay those points.

Keith Gumbinger

This is very popular right now because it lets you draw some money out of your home and improve cash flow. If you do this, resist the temptation to draw too much equity out of your home. - Keith Gumbinger Quotes

This is very popular right now because it lets you draw some money out of your home and improve cash flow. If you do this, resist the temptation to draw too much equity out of your home.

Keith Gumbinger

People are a little more realistic about their time frame, especially young folks, - Keith Gumbinger Quotes

People are a little more realistic about their time frame, especially young folks,

Keith Gumbinger

If it costs them more, it'll cost you more. - Keith Gumbinger Quotes

If it costs them more, it'll cost you more.

Keith Gumbinger

For some people a home equity line of credit is a brand new shovel for digging themselves further into debt.

Keith Gumbinger

Lenders are allowing people reasonably unfettered access to their equity. - Keith Gumbinger Quotes

Lenders are allowing people reasonably unfettered access to their equity.

Keith Gumbinger

Not only do you not own any of your home, but you may be piling up additional debts that could quickly exceed the value of the home. There are no guarantees that rates will remain at comfortable levels and no guarantee that home prices will continue to go up. - Keith Gumbinger Quotes

Not only do you not own any of your home, but you may be piling up additional debts that could quickly exceed the value of the home. There are no guarantees that rates will remain at comfortable levels and no guarantee that home prices will continue to go up.

Keith Gumbinger

Home

The longer the fixed rate, the more insulated you'll be. - Keith Gumbinger Quotes

The longer the fixed rate, the more insulated you'll be.

Keith Gumbinger

For most home buyers, especially first-time buyers, taking a 15-year (or 20-year) mortgage is out of the question. - Keith Gumbinger Quotes

For most home buyers, especially first-time buyers, taking a 15-year (or 20-year) mortgage is out of the question.

Keith Gumbinger

[The risk with an ARM is that when interest rates rise, you could end up paying much more than you bargained for.] You're subject to the vagaries of the market, ... You want to maximize the fixed-rate picture to match your time frame. - Keith Gumbinger Quotes

[The risk with an ARM is that when interest rates rise, you could end up paying much more than you bargained for.] You're subject to the vagaries of the market, ... You want to maximize the fixed-rate picture to match your time frame.

Keith Gumbinger

Mortgage markets have been so flush with cash that home buyers are able to layer one risk on top of the other. It's possible to borrow more than the value of the home, put in no money of your own and pay a minimum monthly payment. - Keith Gumbinger Quotes

Mortgage markets have been so flush with cash that home buyers are able to layer one risk on top of the other. It's possible to borrow more than the value of the home, put in no money of your own and pay a minimum monthly payment.

Keith Gumbinger

A quarter point here, a quarter point there, and soon you start to feel the pain of significantly increased monthly payments, - Keith Gumbinger Quotes

A quarter point here, a quarter point there, and soon you start to feel the pain of significantly increased monthly payments,

Keith Gumbinger

Pain

If you're a good credit borrower you can challenge fees if they seem excessive. - Keith Gumbinger Quotes

If you're a good credit borrower you can challenge fees if they seem excessive.

Keith Gumbinger

If you pay points up front, it's harder to get your money back. When rates are high, borrowers have to pay points to trim rates any way they can, but with rates so low there is really no need to pay those points. - Keith Gumbinger Quotes

If you pay points up front, it's harder to get your money back. When rates are high, borrowers have to pay points to trim rates any way they can, but with rates so low there is really no need to pay those points.

Keith Gumbinger

Money

The optimal thing to do is to lock in your interest rate. - Keith Gumbinger Quotes

The optimal thing to do is to lock in your interest rate.

Keith Gumbinger

The current expectation is that he'll pick up the baton where Greenspan left it off. - Keith Gumbinger Quotes

The current expectation is that he'll pick up the baton where Greenspan left it off.

Keith Gumbinger

What is new today is that lenders are allowing for the layering of risks on top of one another, ... What we don't know is what if we put all these risks together and put them in a rising interest rate environment, a declining housing market, or a weakening economy. - Keith Gumbinger Quotes

What is new today is that lenders are allowing for the layering of risks on top of one another, ... What we don't know is what if we put all these risks together and put them in a rising interest rate environment, a declining housing market, or a weakening economy.

Keith Gumbinger

Fannie Mae and Freddie Mac will even lend 103 percent of the homes value, ... You need to have very good credit to qualify for this kind of loan. - Keith Gumbinger Quotes

Fannie Mae and Freddie Mac will even lend 103 percent of the homes value, ... You need to have very good credit to qualify for this kind of loan.

Keith Gumbinger

If you re-extend from 15 years back out to 30 years, that might reduce your monthly payment by 30 percent, ... If there isn't a likelihood that you'll pay off your mortgage, the re-extension of the term of your loan could measurably improve your cash flow. - Keith Gumbinger Quotes

If you re-extend from 15 years back out to 30 years, that might reduce your monthly payment by 30 percent, ... If there isn't a likelihood that you'll pay off your mortgage, the re-extension of the term of your loan could measurably improve your cash flow.

Keith Gumbinger

Leveraging yourself out at a time when (home) prices are very high certainly could set you up for difficult times. - Keith Gumbinger Quotes

Leveraging yourself out at a time when (home) prices are very high certainly could set you up for difficult times.

Keith Gumbinger

Fannie Mae and Freddie Mac will even lend 103 percent of the homes value. You need to have very good credit to qualify for this kind of loan. - Keith Gumbinger Quotes

Fannie Mae and Freddie Mac will even lend 103 percent of the homes value. You need to have very good credit to qualify for this kind of loan.

Keith Gumbinger

What is new today is that lenders are allowing for the layering of risks on top of one another. What we don't know is what if we put all these risks together and put them in a rising interest rate environment, a declining housing market, or a weakening economy. - Keith Gumbinger Quotes

What is new today is that lenders are allowing for the layering of risks on top of one another. What we don't know is what if we put all these risks together and put them in a rising interest rate environment, a declining housing market, or a weakening economy.

Keith Gumbinger

Does that mean (consumers will) stop borrowing because it costs them another $5 a month? Probably not. It may influence decisions. I don't think it halts decisions. - Keith Gumbinger Quotes

Does that mean (consumers will) stop borrowing because it costs them another $5 a month? Probably not. It may influence decisions. I don't think it halts decisions.

Keith Gumbinger

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