Helping with the mortgage

From Yahoo Finance:

Housing expert: ‘Sellers are absolutely having to negotiate’

Housing expert: ‘Sellers are absolutely having to negotiate’

It’s the same housing story across the U.S., according to real estate agents in three U.S. cities. Sellers are offering more concessions as buyer demand wanes and listings linger on the market.

“Gone are the days of, ‘hey, my next door neighbor just sold last year for $100,000 over list price.’ Sellers are absolutely having to negotiate,” Dan O’Brien, an agent at Trueblood Real Estate covering Indianapolis, told Yahoo Finance.

And that’s good news for buyers.

“Now, we actually have buyers that are being protected by contingencies, like inspection and appraisal,” O’Brien said, “where a lot of times, those were out the window during the peak craziness of the COVID market.”

“Right now, sellers are operating to help with the interest rate increase. So they are offering 2-1 buydowns,” said Kathy Casey, a Coldwell Banker residential brokerage realtor in Denver. “What that means is for the first two years, your interest rate would be lower than the market rate right now.”

Like other markets, Charlotte’s sellers are providing inducements to make deals, especially paying for closing costs and buying down the interest rate, according to Sir Ashley Harrison, a real estate broker at the Harrison Group with Fathom Realty in Charlotte. Pricing, though, isn’t moving as much.

“We’re seeing more inventory, but less new listings,” Harrison said. “And we are getting a lot more seller concessions, but pricing has remained very sticky.”

This entry was posted in Economics, Housing Bubble, Mortgages, National Real Estate. Bookmark the permalink.

47 Responses to Helping with the mortgage

  1. Fast Eddie says:

    Pricing, though, isn’t moving as much.

    Pricing is the only thing that matters. All else is sales tactics.

  2. Ex says:

    Wahooooooo 2nd

  3. Ex says:

    Caught this act last night:

    https://www.instagram.com/p/Cnd0rT4L1Ca/?igshid=YmMyMTA2M2Y=

    Third comedian was Adam Sandler!!!! Holly crap.
    It was awesome.

  4. truesue says:

    Brilliant speech addressed to our ‘woke’ youth fighting #climatechange by Konstantine Kisin.

  5. The Great Pumpkin says:

    Some groups are takers and some are makers….just saying.

  6. The Great Pumpkin says:

    Say it with me…deflation is the real threat. Deflation is the real threat. That’s why invest in disruptive innovation which is the only growth out there. You value investors are going to be destroyed. Instead of mocking cathie wood, start seeing the big picture.

    “Was also incredibly bearish until recently when I studied more into the AI revolution that is taking place. Companies will soon be increasing their efficiency 20x at under 50% of their current costs. It won’t happen overnight but markets are forward looking.”

  7. Fast Eddie says:

    Indian-Americans: I’ve been working with them my whole career. They taught me the bad words and had me try recipes where I had no idea if it was vegetable, mineral or otherwise. Lol. They’re a pleasure all around. Only one or two were tough to work with over the years. And no crime in their neighborhoods… they’re not criminals. They work hard as does the Mexican and Central American gals and guys. There are a few groups that ‘tax’ the system which we’ll not name but Punkin is right, takers and makers abound.

  8. crushednjmillenial says:

    Twitter files . . .

    These files confirm the worst things that could have been imagined, with respect to government officials pushing for a private company to censor certain political viewpoints and certain stories.

    One other issue is that I had always somewhat subscribed to the idea that conspiracy theories are usually not true, because it is difficult for word to not leak out when a big group is working together. The Twitter Files shows that the FBI had a 80-person team dedicated to monitoring problematic content and pushing social media netowrks to censor. In addition to the dedicated 80-person team, there were like 1,000 government staffers doing this kind of stuff somewhat, and the requests to twitter were coming from all kinds of government agencies including states. So, maybe the conspiracy theorists aren’t as whacky as I had beleived.

    THIS is the thing that disqualifies another Trump term most of all. He was asleep at the switch while the deep state were able to keep doing this malicious activity. Free speech is the right that best protects all other rights. The government was going hard against the spirit of the first amendement, if not actually violating. Trump failed to drain the swamp of the deep state operatives that were doing this stuff. While all this was going on, Vijaya G. went out on JRE and gaslighted Tim Poole and used every technique to discredit the notion that conservatives were being shadow banned, throttled down, etc.

  9. The Great Pumpkin says:

    Only thing I will say bad about Indians…hate dealing with them when it comes to business. They make LIB look like a spender. They are terrifyingly cheap to the point it is a disease. They take it to an extreme.

  10. Phoenix says:

    Patton Oswalt aka Constable Bob Sweeney.

    That guy is funny.

  11. grim says:

    What business do you do, that puts you in that position regularly enough to make that kind of stereotype?

  12. The Great Pumpkin says:

    Am I wrong or right? If I’m wrong, I am sorry.

    Maybe the wealthy ones are different, but the ones I deal with when selling used items is insane.

    My brother tells me horror stories with his plumbing business.

  13. The Great Pumpkin says:

    I am not saying they are bad people or anything. Just difficult to do business with due to being so cheap. They have to have the upper hand every single time.

  14. Very Stable Genius says:

    George Santos was introducing himself as
    Anthony Devolder
    before he ran for office.

  15. Fast Eddie says:

    Joe O’Biden was introducing himself as
    Joe O’Biden’s husband
    before he ran for office.

  16. Chicago says:

    I am mystified by all of the nonsense in the headline article.

    Obviously, the American public is so easily distracted that any stupid trick to close a real estate deal will work.

    I guess as we first surmised in 2005, most people do the math, but at $500K sell at $600K, oh I made $100K. We see how much shite is in those numbers.

  17. Chicago says:

    Buy at 500K

  18. Phoenix says:

    George Santos was introducing himself as
    Anthony Devolder
    before he ran for office.

    None of this is a crime. None of this is illegal.

    Legal is the fuel America runs on. Hate the game not the player, right??

  19. grim says:

    Posted it because seller-paid rate buydown was a strategy that just hasn’t seen the light of day in decades.

    The last time this was a big topic, and widely-used, was the 1980s.

  20. No One says:

    They keep on making Pumpkin pay for naan and chutney, while he thinks it should be complimentary.

  21. Libturd says:

    Wow, what a shitstorm of messages this weekend.

    On Pumps, I am 100% done with him. I am back to skipping his posts. He is dishonest, a blockhead, a serial liar and the most non self-aware person I’ve ever witnessed. Please try to keep this in mind. I am not saying this in an attempt to upset him. He is so unaware, he doesn’t even realize he is a troll.

    Remember, he first came here as a financial advisor. Then we found out he was a teacher. His lies are almost as endless as his excuses. Worst of all, when you offer him advice, which so many of us have tried. It is completely ignored.

    I’m guessing his father’s deportation is the root cause of his Mythomania, which is typically accompanied by his fear of rejection.

    How Grim and Pumps can share the same DNA is beyond me.

    I have gone back to skipping his posts entirely. Since he does not listen to advice and is not aware of his troll-like nature, the only option is for ALL of us to ignore him. He will always be able to lurk, and the truth is, he doesn’t realize that’s the main value of this blog. His mostly immature posts, combined with his obsessive lies adds no value whatsoever to the conversation here. My advice is for all of us is to just skip past his posts. Those who choose to converse with him, I will pity.

    Now be prepared to hear from Pump’s alter ego for a while. He does not have the ability to go quietly. And don’t waste your time responding Pumps for I will not read it. It’s not personal. I don’t dislike you. Go see a shrink. You have some serious unresolved issues to work through.

  22. Hold my beer says:

    I bet this becomes a recurring issue in the southwest. Cuties shutting off water to unincorporated nearby neighborhoods.

    https://www.dailymail.co.uk/news/article-11640903/Were-not-going-make-Arizona-city-cuts-neighborhoods-water-supply-amid-drought.html#article-11640903

  23. Very Stable Genius says:

    Funny thing is its nothing but right wingers out there flying their “dont tread on me” flags demanding the government save their asses for moving to a desert with no water .. Go figure ..

  24. BRT says:

    Perhaps an understanding of Indian culture could help you out. In India, every price is negotiable, and the sticker price is always above the price they will sell at. No different than you buying a car here, but that is the system for everything in India. That’s how they roll. When I was selling sweatshirts at Columbus Flea Market, I’d welcome the bargaining, it and it was funny, cuz I could get nasty and tell them to stop waiting my time, they’d still come back later and buy from me. Moral of the story, it’s business, not personal.

  25. Lurker says:

    Got damn. I am a lurker here and all of you should give that Pumpkin fellow more credit. He has been spot on with NYC area real estate and he will make tons of money investing in ARKK.

  26. Libturd says:

    Yes, India and many Latin American countries are all bargaining. My Indian coworkers were impressed by my ability to bargain when I was over there. Though, things were so cheap, I almost felt bad about it at times.

  27. Nomad says:

    Here is some Monday afternoon controversy for the board, NJs best bagel shops. Apparently yesterday was National Bagel Day.

    https://www.nj.com/food/2023/01/njs-44-greatest-bagel-shops-ranked-for-national-bagel-day-2023.html?outputType=amp

  28. grim says:

    Punk Bagel in Clifton at #11 is a pretty good showing.

  29. trick says:

    Would stop in Alfa when 80 was backed up and had to take 10, great bagels.

  30. Libturd says:

    I was at punk rock a few weeks ago. It was way tamer than it used to be. Bagels were still good. What happened to the crazies? Also saw that the Loop Lounge was for sale (still).

  31. Fast Eddie says:

    Punk Bagel! I was there every Sunday morning when I lived in Clifton. Who could deny Motorhead at 7:00 AM on a Sunday?

    I’m surprised Goldberg’s isn’t in that list, they make an awesome bagel.

  32. Juice Box says:

    Sheepshead Baygels in Holmdel is #20…

    Years ago I used to stop there after dropping my kids off at daycare on my way to work, and needed a quick bite and some coffe that was not dunkin or other chain etc. They make good sandwiches for under 10 bucks, bagels and sandwiches were the typical Jersey artery choking pork roll, egg, cheese, with loads of toppings etc.. Haven’t been there in many years now will have to stop by and give it a try again.

  33. RentL0rd says:

    The new GOP strategy is to pick favorites among minorities. Pit them against each other. “Divide and Conquer” is the oldest strategy in the book that GOP just dusted off.

    And nice to see all the f’kin republicans here line up behind the talking points.

  34. RentL0rd says:

    If Indians like to bargain – as you guys seem to stereotype, why are they buying Teslas instead of getting bargains at the dealerships?

    What you guys talking about a minority group is nothing but confirmation bias, and shows your ignorance.

  35. joyce says:

    What bargains at the dealership are you referring to? I’m not being rhetorical. What bargains? If you’re referring to “bargains” on non-Tesla vehicles, then the reason they are not buying them is that they are not Teslas.

    RentL0rd says:
    January 16, 2023 at 9:14 pm
    If Indians like to bargain – as you guys seem to stereotype, why are they buying Teslas instead of getting bargains at the dealerships?

  36. Libturd says:

    You guys? I never said Indians were cheap. I actually love Indian culture. Though, what I found peculiar when I was in India was all of the advertising geared towards the nouveau riche. Lots of shallow values being sold there. Fancy cars, clothes, jewelry and the like being taught to a culture that historically thrived living a more minimalist existence. I’m not trying to say they were poor either as many with the means smartly chose to live without feeling the need to show off. I was told by some of my coworkers that this is more of a recent change. A close friend of mine told me much of it could be traced to the ultra wealthy Reliance family, the Ambanis. The son of the founder is sort of the Elon Musk of India, I was told.

  37. Captain Cheapo says:

    Bargaining is not cheap. It’s smart.

  38. No One says:

    They don’t want to pay for oil changes. And maybe they think “autopilot” allows them to play with their phones instead of driving. Like the Indian guy in the Tesla who almost T-boned me sailing through a red light with his eyes in his lap.

  39. RentL0rd says:

    Regarding Teslas, I’m just making the counter argument against a stereotype some of you made. Say what you may, a Tesla is not a bargain.

    Also, not talking about whether you love Indians, have a friend who is Indian, did business with Indians or love their samosas. What I’m calling out is the hubris associated with stereotyping.

  40. joyce says:

    Regarding Teslas, I’m just making the counter argument against a stereotype some of you made. Say what you may, a Tesla is not a bargain.

    You’re making a bad argument. If a frugal someone wants to buy something, they want a discount on that item not a replacement item.

    As far as calling out stereotyping? Congrats, gold star

  41. Phoenix says:

    Indians. Like every other group of people, most good, some bad.

    Racism, any and all groups can be racist. Not just whites.

    Problem today is that more than ever, Americans melting pot is more like a centrifuge or a distillation column with people becoming even more heterogenous vs homogenous. Especially on a financial setting.

    Oil and water don’t mix, but they can live together when there is plenty of money to go around. But now, with the financial disparity, you will see more and more fighting, racism, homicide, femicide, familicide, hostage taking, rape, robbery, burglary, etc, the list goes on.

    Add to that the broken links in the supply chain thanks to Covid which showed the weakness there. It doesn’t bode well when you add that to the hubris of Americans like our last two politicians, or this Santos guy.

    America is close or at a turning point, and like an airplane that dips its wing and stalls it might not recover- or it may turn into something radically different that it has been in the past.

    Happy Tuesday. May your car still have it’s catalytic converter on it this morning.

    https://www.nytimes.com/2008/06/23/nyregion/23slave.html

  42. Phoenix says:

    Humans could have small home sized nuclear reactors that could provide the necessary energy to keep them in comfort if it weren’t for the fact that humans are not reliable and cannot be trusted to not do something evil with them.

    https://www.wired.com/2007/12/toshibas-home-n/

  43. Libturd says:

    Tough market to read right now. People are moving back into speculative crap. As Chi pointed out, the ten year has stalled. GS had pretty terrible YOY earnings to kick off earnings season, yet the market looks like it wants to continue it’s forward looking rally. Tech, doesn’t really report for another three or so weeks. Lots of headwinds still out there too.

    “Had to push some updates this morning, WordPress got a bit stuck.”

    WordPress needs some raison bran.

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