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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

Immediately following President Donald Trump’s decision to drop negotiations with House Democrats on a new stimulus deal, stocks dropped on Tuesday.The Dow Jones Industrial Average, which was up several hundred points earlier in the day, closed down 375 points following the announcement.The markets, which spent much of the summer rebounding after a sudden drop in value in March, have remained stagnant in recent weeks. In early September, the Dow Jones reached 29,000 points for the first since February. It appeared the Dow Jones Industrial Average was on its way to returning to pre-pandemic levels. But the Dow dropped in September, and closed at 27,772 on Tuesday.Trump said that he will not resume negotiations with House Democrats until after next month’s election, which is four weeks from today.Late last month, House Democrats passed a .2 trillion stimulus plan despite knowing it would not be entertained by the US Senate. The proposal still costs more than the White House has said it would like, but is down from the .4 trillion stimulus plan House Democrats passed back in May.In addition to another set of ,200 direct payments to millions of Americans, House Democrats propose using 5 million for education, more funding for the struggling airline industry, and 6 million for local governments. The set of proposals would also include a 0 per week unemployment supplement, which expired at the end of July. 1446

If you want to make money as an Uber driver but are put off by tales about drunk passengers, you can transport food instead of people with the company’s meal delivery service.Here’s a guide to how to get started as a delivery person for UberEats. 264

I will be announcing my Supreme Court Nominee on Saturday, at the White House! Exact time TBA.— Donald J. Trump (@realDonaldTrump) September 22, 2020 157

If you fell in love with country music’s stars and hits of the early 90s, you’re in luck. This Sunday’s ACM Awards will pay tribute to three of the biggest hit songs from 1993 with collaborations between the original artist’s and their contemporary counterparts.Arguably the most anticipated performance of the entire show will pair two Oklahoma natives together. Toby Keith will perform his debut single “Should Have Been a Cowboy” with People’s current Sexiest Man Alive, Blake Shelton.The two performers share more than a common birthplace. They’re also linked in country music history.Blake Shelton’s debut single was nearly “I Wanna Talk About Me”. After recording it, his record label decided to pass on the song, and instead, Toby Keith scooped it up and turned it into a number one hit record.The ACMs will also feature a performance of the CMA Song of the Year, “Chattahoochee”. Alan Jackson will be joined by Jon Pardi, who’s nominated for Album of the Year.Back in 2015, the duo toured together with Pardi acting as Jackson’s opener. Pardi counts Jackson as one of his heroes, and credits a complimentary Jackson quote as motivating him to write his album “California Sunrise”.Jackson was quoted saying, “Of all the new guys I’ve heard, I like that Jon is closer to country than most of the others and I thought his songwriting was better than what I’ve heard in a while.”Finally, the ACM host herself, Reba McEntire, will perform “Does He Love You”, which was originally released as a duet with Linda Davis. In Davis’s place, will be Kelly Clarkson.McEntire and Clarkson share more than a love of performing, they’re also related. Clarkson is married to Reba’s step-son, Brandon Blackstock, and is the mother to two of Reba’s grandchildren.The 53rd Academy of Country Music Awards airs Sunday on CBS at 7 p.m. CT. 1833

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