ARE WE HEADED FOR ANOTHER HOUSING BUBBLE?

 The most important chart in housing right now http://t.co/a7R41Ptlfp

5 Things To Watch For Housing in 2014

http://blogs.wsj.com/five-things/2014/01/07/5-things-to-watch-in-housing-in-2014/

Effective Friday, January 10th, Fannie Mae and Freddie Mac borrower eligibility requirements tightened, making it even harder for the self-employed to qualify for a mortgage. In addition, debt-to-income requirements dropped from 45% to 43%, requiring borrowers have higher incomes and lower debt load. There are other mortgage program options borrowers will want to consider that include loans from portfolio lenders, as opposed to those sold to Fannie Mae and Freddie Mac. As a mortgage broker, I have several options to fit the unique profile of every borrower, that may not be available from your local retail bank or direct lender. One size does not fit all. Feel free to call me at 714-478-3153 should you have questions on what mortgage options are best for you.

Very Cool Interactive Map Illustrating Home Appreciation History Across the U.S.

Here's a very cool interactive map showing home price appreciation by state during different time periods. (Pass your cursor over the time period or state desired. Thanks to Brian Larrabee, founder of Estate of Mind, Inc., New York, for passing this along.)