Monday, September 10, 2012

Housing Market Update

From Leslie Arnold, First Capital a Mortgage Company
09/10/2012

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Lower Inventories Equals Higher Prices:

Today's rising prices have less to do with surging demand—though hard-hit markets in Arizona, California, and Florida have seen significant investor appetite for distressed homes—than with declines in the number of properties for sale.

Inventories of "existing" homes—that is, ones that haven't just been built—are at eight-year lows. New-home inventories are lower than at any time since the U.S. census began tracking them in 1963. In some cities, there are one-third fewer homes listed for sale than a year ago.

Here's why prices are rising: There are more buyers chasing fewer homes, and—critically—fewer distressed homes, such as foreclosures. Low inventory is one sign that housing markets may have reached a turning point because many want to buy at the bottom but few want to sell. There are several factors behind the low inventory. Banks have slowed their pace of foreclosures. Investors have snapped up discounted properties that they can convert into rentals. Home builders, struggling for several years to compete on price with foreclosed properties, have added little in the way of new supply.

Housing's progress is good news for the economy. Residential investment has now contributed to U.S. economic output for the past five quarters, which hasn't happened since 2005. In other words, housing is no longer a drag, though it is packing far less of a punch than it normally does at this point in the economic cycle. Rising prices also could help turn around consumers' fragile psychology, an unpredictable but important factor that can fuel more sales.

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