The KCM Blog

Mortgage Payment

States with the Highest Loan Balances

February 3, 2012

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Mortgage Predictions for 2012

January 5, 2012
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It’s the time of year that we look ahead and attempt to give our best guesses about the market, the industry, and the effects they may have. So, here are my thoughts about the mortgage world: Interest Rates Should Be Stable With a faltering economy nationally and worldwide, including pessimistic estimates for employment, there is [...]

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Comparing Real Estate To Other Investments

January 4, 2012
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We recently posted Real Estate: Today’s Golden Opportunity comparing the current housing market to the market for gold about a decade ago. Some commented on the fact that you can’t compare gold to real estate as an investment as gold is a very liquid asset and it would take more time and effort to sell [...]

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The PRICE Is the Same, But the COST Is Less

November 16, 2011

There is more and more research coming out showing that it makes great financial sense to purchase a home today . Whether it be rent vs. buy ratios, income-to-price ratios or income-to-mortgage payment ratios, purchasing a home right now is a bargain compared to historic norms. Now we want to look at the COST of [...]

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Is It Really Time to Buy a Home?

November 2, 2011

On Monday, we gave you the links to four different articles that came to the same conclusion: it’s time to buy a home. Today, we want to take a closer look at one of the sources, the JP Morgan’s Market Insights report. Right from the beginning, the paper identifies the greatest challenge in today’s housing [...]

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Underwater Refinance Program Expanded

October 27, 2011

At a campaign stop in Nevada on Monday, President Obama announced an expansion of the HARP (Home Affordable Refinance Program) which would eliminate the current maximum LTV of 125%. The initiative is being looked at as a way to reward those homeowners who have been good payers of their mortgages but, because of declining home [...]

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