Category Archives: Mortgages and Finance

Nationally Home Sales and House Construction Increase in August

Posted on September 21, 2012 by Alison Moss

New house construction and home sales rose in August both year-over-year and compared to the previous month. According to the statistics sales of existing homes rose 7.8 percent in August from July and were 9.3 percent above the pace of … Continue reading →

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QE3 and the impact on Cincinnati Real Estate

Posted on September 14, 2012 by Alison Moss

Yesterday the FED announced QE3, a program to impact the economy by lowering long term interest rates through bond buying. Nationally the real estate market is strengthening and could help lead to economic growth, hopefully spurred on by QE3. So … Continue reading →

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The Presidential Election and The Local Real Estate Market

Posted on September 4, 2012 by Alison Moss

There are dozens of economists dissecting the presidential election and looking at the impact on the real estate market. So I wanted to highlight just a few of the differences, and a few similarities between the candidates. Improving the Local Housing Market … Continue reading →

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Home Prices Rise Nationwide and Late Mortgage Paymnents Decline

Posted on August 10, 2012 by Alison Moss

There were two pieces of very encouraging news this week; home prices nation wide are on the rise, and there were fewer late mortgage payments being made. Prices rose by 2.5% in June from a year ago, and by 6% … Continue reading →

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Seller Financing and Land Contracts in Cincinnati Real Estate

Posted on May 16, 2012 by Alison Moss

Not all real estate transactions require a buyer to take a loan out from a bank. In Seller Financing and Land Contract situations the home owner actually loans the buyer the money to purchase their home and acts as the … Continue reading →

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Mortgage Insurance Tax Deduction Coming to an End

Posted on April 17, 2012 by Alison Moss

For a number of years, homeowners who were paying Private Mortgage Insurance (PMI) could take the amount they paid in PMI as a Tax Deduction on Federal Income Taxes.  Established in 2007, the PMI deduction was intended to be a … Continue reading →

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Looser Lending Restrictions Signal the Rebound of the Real Estate Market

Posted on March 21, 2012 by Alison Moss

Capital Economics expects the housing crisis to end and the overall real estate market to rebound this year primarily because of the loosening of the credit post-recession. A few things are changing within the credit market that are favorable for … Continue reading →

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Renting, Retirement, The Next Mortgage Crisis

Posted on October 31, 2011 by Alison Moss

The next major mortgage crisis may be caused by renters as they prepare to enter retirement. Liz Davidson of Forbes says “that today, there’s another mortgage crisis in the works—that is, NOT having one—choosing to rent when you can afford … Continue reading →

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My Interview on Fox 19 Cincinnati

Posted on August 30, 2011 by Alison Moss
Alison Moss Fox 19 Cincinnati interview

I am proud to share this interview I did with Emily Wood of Fox 19 Cincinnati. We were talking about the upcoming mortgage regulation changes and their nationwide economic effect. My comments, while brief, were taken from my previous post … Continue reading →

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How the Qualified Residential Mortgage Legislation will impact Cincinnati Real Estate

Posted on August 29, 2011 by Alison Moss
a copy of a mortgage note

In the aftermath of the residential mortgage crisis legislation was introduced to encourage and require lending institutions to to change the way they lend on residential properties.  Within the Dodd-Frank Legislation there is a provision that requires banks to keep … Continue reading →

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