U.S. Housing Market News With a Local Angle

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Housing Market News With a Local Angle

Welcome to the Home Buying Institute. We provide “hyper local” housing market news for cities and metro areas across the United States. We do this by researching local real estate trends and also by soliciting input from local real estate professionals. In fact, the Home Buying Institute is currently building a nationwide team of housing reporters to cover trends and conditions at the local level.

We have been educating home buyers, sellers and mortgage shoppers for more than 10 years. We provide unbiased information that helps buyers and sellers make better-informed decisions. You can learn more about our company and our goals on this page.

Most Recent Stories

A Look Ahead: Will 2016 Be a Good Time to Buy a House?

It’s only summer, but believe it or not, we are already getting questions from people planning to buy a home in 2016. Their questions vary, but most are variations on a theme: Is 2016 a good time to buy a house? This is the million-dollar question (sometimes literally) for people who are planning to enter […]

Bel Air, Venice, and Other L.A. Real Estate Markets With Big Price Gains

The Los Angeles real estate market is still rising. But some areas are moving much faster than others. According to data published recently by Trulia, several L.A. neighborhoods have experienced price gains of more than 25% in the last year.

Are Home Prices Maxing Out in Orange County, California?

Can Orange County, California home prices continue their rapid rise through the end of 2015 and into 2016? Some analysts say no. In fact, a careful review of current housing trends suggests that a plateau might be approaching (if it’s not here already). This would be a welcome sign to home buyers who are struggling with affordability issues.

Manhattan Real Estate Market: Will Apartment Prices Slow in 2016?

Manhattan condo and co-op prices rose to record heights earlier in 2015, and they might not be done climbing just yet. But going forward, we could see some degree of cooling in this red-hot real estate market. Here are some recent trends and predictions worth noting.

Economist Offers Positive Housing Market Forecast for Second Half of 2015

Freddie Mac’s brand-new chief economist just issued a housing market forecast for the second half of 2015. It’s mostly good news. They expect to see measurable gains in home prices, loan originations, and construction starts.

Dallas One of the Hottest Housing Markets in the Country, Says Realtor Group

This summer is heating up in Dallas, Texas, and I’m not just talking about the temperature. According to a recent analysis by the economic team at Realtor.com, the DFW metro area is one of the five hottest real estate markets in the country. Buyers be warned — you have some serious competition.

Summer Mortgage Rates Enter 4% Range; First Time Since November

The temperature is rising and so are U.S. mortgage rates. This summer, the average rate for a 30-year fixed home loan rose into 4% territory for the first time since November of last year. The million-dollar question is, how long and how high will they climb? Here’s what home buyers need to know.

Interest-Only Home Loans More Common in 2015, But Just as Risky

More lenders are offering interest-only home loans in 2015. But they’re still as risky as ever. These mortgage products have serious downsides that most borrowers don’t even think about, partly because lenders tend to downplay them in their marketing literature. Here’s what you need to know about them.

Update: FHA Loan-to-Value (LTV) Limits for 2015 – 2016, Still at 96.5%

It appears as though the FHA loan-to-value (LTV) ratio limits for 2016 will be the same as this year, at least for a regular purchase loan. HUD recently released their new Single Family Housing Policy Handbook, which takes effect in September 2015. The maximum LTV for most home buyers will continue to be 96.5%.

Housing Market Update Summer 2015: Five Things Home Buyers Should Know

Mortgage rates jumped last week, but they probably won’t rise much higher for a while. Home prices, on the other hand, appear to be rising steadily in most parts of the country. On the supply side, there are more homes listed for sale these days, and that’s good for buyers. You can learn more about current real estate conditions in our Summer 2015 Housing Market Update.