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If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

HOUSTON, Texas – A businessman in Texas is facing federal charges after allegedly spending COVID-19 relief funds on improper expenses, including on real estate, a Lamborghini Urus and at strip clubs.Federal officials announced Tuesday that Lee Price III, 29, was taken into custody and charged with making false statements to a financial institution, wire fraud, bank fraud and engaging in unlawful monetary transactions.Price is accused of fraudulently obtaining more than .6 million in Paycheck Protection Program (PPP) loans. The loans provided by the Small Business Administration (SBA) are meant to support business owners struggling during the pandemic. Businesses must use the loan proceeds for payroll costs, interest on mortgages, rent and utilities.A criminal complaint alleges Price was involved in a scheme to submit fraudulent PPP loan applications to federally insured banks and other lenders, two of which received funding.Price Enterprises Holdings allegedly received more than 0,000, while a loan application listing 713 Construction was approved for over 0,000.The loan applications allegedly asserted both entities each had numerous employees and significant payroll expenses. However, neither entity has employees nor pays wages consistent with the amounts claimed in the loan applications, authorities say.Further, the individual listed as CEO on the 713 Construction loan application died in April 2020, a month before the application was submitted, according to the complaint.Price allegedly used the loan proceeds not for payroll expenses, but for lavish personal purchases, such as spending the loan money on a Lamborghini Urus, a Rolex watch and real estate transactions. He also allegedly spent thousands at strip clubs and other Houston night clubs. The complaint further alleges Price used a portion of the loan money to buy a 2020 Ford F-350 pickup truck. 1901

HOUSTON — Defensive end for the Houston Texans, J.J. Watt, said that the booing that erupted at the game against the Kansas City Chiefs on Thursday is "unfortunate."The interruption came as members of both teams locked arms and held a moment of silence before kick off. Watt could be seen locking arms about half way in the line of players and coaches.Watt told the NFL Network on Friday that "the moment of unity I personally thought was good.""I mean the booing during that moment was unfortunate. I don't fully understand that. There was no flag involved. There was nothing involved other than two teams coming together to show unity," Watt said.Both teams featured Black Lives Matter-inspired logos on the gear during the game.About 17,000 socially distanced fans attended, far fewer than what Arrowhead Stadium regularly holds.This article was written by Jackson Danbeck for WTMJ. 893

I watched with horror this week as USAID distributed taxpayer funded documents claiming “we cannot tell someone’s sex or gender by looking at them” and that not calling oneself “cis-gendered” is a microagression I’m not cis-anything. I’m a woman.— Merritt Corrigan (@MerrittCorrigan) August 3, 2020 306

House Speaker Paul Ryan said he continues to support Robert Mueller's work as special counsel, rebuffing calls for the former FBI director's ouster."We need to let these career professionals do their jobs, see it through," Ryan said of the special counsel investigation on "Fox News Sunday."He continued, "So, no, I don't think he should be stepping down, and I don't think he should be fired. And the President has made it clear, he's not going to do that."Over the course of Mueller's investigation, Ryan has said people should let Mueller do his job and defended Mueller from critics. He has largely sought to stay away from the investigation, however, saying in an interview with CNN on Thursday that he did not view the first indictments from the investigation as a "distraction" from the GOP effort on taxes and stood by his line to let Mueller "do his job.""This is our justice system, and the justice system needs to play itself out," Ryan said Thursday.Ryan's comments in the interview that aired Sunday came as a handful of Republican House members are pushing a resolution calling for Mueller's resignation.Florida Republican Rep. Matt Gaetz said in announcing the resolution on Friday that Mueller "must step down immediately." 1287