Low Mortgage Rates | Lowest Mortgage Refinancing Fixed Rate Home Loans

Shopping for Cheaper Mortgage Rates is Fun!

The success of online shopping via Amazon tells us consumers enjoy the experience of shopping around. No sore feet, parking hassles, or traffic stress, not gasoline prices, better prices, and infinite selection makes shopping online compelling.

Shopping for a cheaper mortgage should be that way too.

Instead of accepting your own bank’s tired high interest offering, you’ll enjoy saving thousands by shopping online for a lower mortgage rate.

Surprising and proven savings of 5 to 22 points translates to an average savings of $2,914

Mortgage Rates are Rising

Yes, they will grow by the week, but that doesn’t mean you can’t break free of the rising costs, by switching mortgage companies and locking in at a guaranteed rate that will save you thousands.

Rising US Mortgage Rates courtesy of Yahoo Finance
Type of Mortgage Interest Rate Weekly Rate of Change Advantage
30-Year Fixed Rate Mortgage 3.79 % 0.02 % Fixed rate for the life of a loan
20-Year Fixed Rate Mortgage 3.83 % 0.06 % Fixed rate for the life of a loan
15-Year Fixed Rate Mortgage 3.81 % 0.02 % Fixed rate for the life of a loan
10-Year Fixed Rate Mortgage 3.62 % 0.08 % Fixed rate for the life of a loan
7/1 ARM Mortgage 3.51 % 0.09 % Fixed rate for 7 years, then raised thereafter
5/1 ARM Mortgage 3.84 % 0.04 % Fixed rate for 5 years, then raised thereafter
3/1 ARM Mortgage 3.72 % 0.04 % Fixed rate for 3 years, then raised thereafter

Better terms, lower monthly payments and lower fixed fees will make this process an even more palatable one for you.




As you’ll find out below, when homeowners search for a better rate, they generally get a lower mortgage rate quote of an astonishing 5 to 22 points! And that translates to an average savings of $2,914 if the borrower receives 5 mortgage rate quotes. On a 30 year 5% mortgage rate on a $500,000 home loan, the savings are even bigger.  By Shopping around yu ensure you don’t get sold a product you don’t really need.

Along with lower rates, shopping for mortgages with lower broker or financing fees gives you more than enough justification for shopping around online. You’re on your computer or mobile phone! Fight back against the banks high rates by shopping right now.




You can ask about terms, rates benefits, and anything you don’t understand with those offering up a mortgage quote. Shopping online takes a lot of the friction, uncertainty, and effort out of getting the best mortgage possible.

Fixed Rates, HELOCs, Savings, and Debt Refinance

This summer, everyone’s thinking mortgage quotes because rates are rising. This rise will affect your mortgage approval, home refinancing rates, Heloc application, debt refinancing, and much more.

The banks are becoming more rejecting so it’s time to widen your search using all channels, including mortgage brokers. The Freddie Mac survey shows us the value is there. And you don’t want to wait for nasty surprises that could see you lose your home.

Won’t my bank give me the lowest rate possible?” Why would they give you a rock bottom rate if you’re going to renew without asking? They’d be cutting their own big profits.




Questions: Does shopping around actually create a significant difference?

In these graphics courtesy of Freddie Mac’s recent mortgage shopping report, buyers saved at least 10 points on average (orange and green dotted lines) and some as much as 22 points. The more questioning and persistent you are, the further the savings you generate.

Screen Captures courtesy of Freddie Mac

Rising Mortgage Rates in the US

In the US, rising mortgage rates are a concern. Mortgage applications dropped for a 4th straight time since March and that’s weighing down the US housing market.

Tighter lending, bank reluctance, and higher rates will mean refinancing your mortgage will cost hundreds to thousands more in 2019 and 2020. How many days does it take you to earn that money?

Cost of living is about to rise. With inflation on the upswing, flat home prices, and gasoline and oil prices being forecast to rocket, the next year could bring pain and stress for many homeowners who need to refinance.

The big banks have owned the mortgage market since 2008, but Freddie Mac is supporting non-banks who are providing mortgage related financing to more consumers. Quicken Loans, Freedom Mortgage, LoanDepot, and Caliber Home Loans are just a few of the other new online mortgage loan providers competing for your business now. There are many more in addition to brokers and banks.

Mortgage Rate Quote Tips:

⦁ research rates and know what is actually a good mortgage rate before you accept
⦁ get quotes from at least 5 different mortgage brokers or online providers
⦁ ask about special quotes for certain occupations
⦁ do maximize your down payment amount
⦁ lock in at fixed rates for at least 10 years
⦁ ask how much in interest you’ll be paying for the life of the home loan
⦁ ask for special benefits such as payment holidays
⦁ renegotiate in spring when more lenders are cutting rates to win business




Canadians are Facing Record Mortgage Refinancing Levels

In Canada, around 47% of all existing mortgages will need to be refinanced this year, according to CIBC estimates. And that’s up from the 25 to 35% range in a normal year. Canadians will be in a rush to capture better financing and they’ll likely be switching mortgage lenders to get it. Dominion Lending for instance is seeing big growth but they’re also rejecting more mortgage applications.

Rising interest rates and tighter lending regulations in Canada combine with very high consumer debt levels, making it tougher for Canadians to qualify for and get mortgage refinancing they can afford.

This could make for more volatility in the Toronto housing market and Vancouver housing markets. For the first time in a long while, borrowers are nervous and concerned about refinancing rates they need for home loans, HELOCs, and to repay off debts. These higher financing rates are expected to set off a cascade of housing and financial issues across Canada.




US Mortgage Rates Rising for Certain


“US Mortgage Rates Highest levels in 56 Months — Freddie Mac.”

The Fed is expecting to raise interest rates slightly and the housing market isn’t expected to cool much.

Any rise in rates right now however creates a significantly higher monthly payment. Check the mortgage rate calculator to see how much your monthly payments will rise when rates go up a further 1%.

Mortgage Rate History – St Louis Fed

If we look at this graphic below, we can see how far up mortgage rates could rise again. The small increases in mortgage rates right now seem cheap in comparison with the early 1980’s. However today’s home prices are significantly higher and wages are lower in comparison.

Screen Capture courtesy of Freddie Mac

Homeowners in New York, San Francisco, San Diego, Los Angeles, San Jose, SeattleToronto and Vancouver will feel the most pain.

Since early January, mortgage rates have been rising fast. With inflation creeping upward, wages rising and housing construction growing stronger, more American will be buying real estate.

The Secondary Mortgage Market and Brokers

You shouldn’t be accepting your banks offer without looking at what the secondary financing market can offer. A savings of a couple of points on a 5 year fixed term or a 30 year fixed rate loan is nothing to sneeze at.

Checking a mortgage broker in your city is just plain wise and there are many advertising online. You’ll have access to better mortgage benefits and find a lower mortgage rate.




It’s All About Finding a Lowest Mortgage Rate

If money is a commodity and there’s plenty of mortgage lenders, then it’s all about finding the lowest mortgage rate quote. Of course, those rates won’t just jump out at you. You’re going to have to do some searching for a better quote online.

According to Freddie Mac, borrowers received rate quotes ranging from 4.2% to 4.8%. That’s way a patient search process is vital for you to get the best deal.




Good Luck with Your low rate mortgage search. Bookmark this page because it will be updated with more news on mortgage rate savings!

Trending in 2018/2019: Is it a Good Time to Buy a House | Real Estate Investment 2018 | Oil Price Predictions | Mortgage Refinance RatesHomes for Sale | Apartments for Rent in San FranciscoToronto Housing Market | Boston Home Prices 2018 | Florida Housing Forecast 2018 | Los Angeles Real Estate Forecast | New York Housing Predictions | Housing Market Forecast  | Houston Housing Predicitons | Seattle Housing Forecast |  Miami Condo Forecast 2018 | Seattle Real Estate Prices | Calgary Housing Forecast | MLS | Should I Buy a House? | Stock Market Crash Indicators | Auto Insurance Comparison |   Mortgage Calculator | Mississauga Real Estate Forecast | When should I Sell My House?

US Housing Market Predictions – Real Estate Market Forecast 2018

Real Estate and Housing Forecast 2018, 2019,  2020

May 18, 2018.  Your Epic report and forecast of the 2018/2019 US housing market offers facts, data, perspective, predictions, price factors, expert opinion and forecasted trends from sources such as NAR, Trulia, Freddie Mac, Zillow, Case Shiller, Trading Economics, and more.

With home prices and mortgage rates on the rise, compare what you’ll be paying vs future mortage rates. Shop for the lowest mortgage rate now.

In this updated report and forecast:

  1. March and April market update
  2. Hottest cities to buy
  3. NAR/Realtor Outlook on the Housing Market
  4. Home price update and predictions
  5. US economic outlook – Tradingeconomics data
  6. Urban Land Institute panel discussion Video
  7. Freddie Mac Forecasts
  8. Jobs report and forecast
  9. Interest rates and mortgage rates
  10. Apartment rental prices and forecast

NAR reports that existing home sales grew in April, 1.1% which is well up from the 1.2% loss 12 months ago.  See the NAR charts below for others stats and which are the hottest markets for April.




Spring Market is Starting Strong

It’s an unusual spring market given the growing purchasing power of home buyers in low to mid market prices. That makes it a great market for those looking to sell their current home to trade up to a better one.

Hopefully you have a top notch strategy to sell your home for a higher price.  Sell it quick, but with a bidding war strategy.

Resale home transactions rose 1.1% in March showing clealy that buyers are hungry to buy.  However, listings have declined 7.2% and prices have risen 5.8% versus  last March.

It’s a sellers market and it will be for some time. If you’re hunting for houses for sale, you’d better have an advanced search strategy.

The dwindling numbers of homes for sale should push prices upward in Los Angeles, San Diego, Boston, Denver, Las Vegas, Dallas, Miami, Seattle, New York, and Houston . It’s all driven by a wildly successful economy and a resistance by local and state governments to support home development in their jurisdictions.




Please feel free to use this material on Linkedin and Facebook. It’s an important topic for buyers and sellers who face a big decision about buying a home or condo in 2018 as home prices and mortgage rates rise.

NAR’s March Update

Homes sales have risen for 2 months straight, however they’re down 1.1% from same time last year.  Although prices haven’t hit the 2007 records, they are too high for most to afford even though wages have grown. Home prices are now running at double the average wage increase.

The median existing-home price for all housing types in March was $250,400, up 5.8 percent from March 2017 ($236,600). March’s price increase marks the 73rd straight month of year-over-year gains — from NAR

Boston, New York, New Jersey

March existing-home sales in the Northeast jumped 6.3 percent to an annual rate of 680,000, but are still 9.3 percent below a year ago. The median price in the Northeast was $270,600, which is 3.3 percent above March 2017 – from NAR update.

Housing inventory is the most influential and persistent factor affecting home prices. Despite this, the media and some politicians blame speculation, building costs, interest and mortgage rates, cost of living, and mortgage rules. When the economy is good people want homes. Construction is strong but can’t keep up. Simple rule of supply vs demand is driving home prices.

Millennials still hopeful to buy a home in 2018

Looking for housing market predictions? Take a good look at prices, GDP, wages, jobs, and other key data below on the US Economy for the next 6 years and you may see a surprisingly positive picture, far from the dread of the recent stock market corrections.

Please do share this post on Facebook!

Should you Buy or Rent?

We all want to own a home, but does it  make more sense to rent? If you can’t afford a home in New York, Boston, Los Angeles, San Francisco, or Dallas, renting may be the only option. Here’s a few blog posts I’ve written on the US rental housing market, apartment prices, and on buying vs renting.

Buy vs Rent in 2019

What’s Driving the California Housing Market?

Strong demand from an eager demographic and economy is clashing with local resident NIMBYism to create a volatile market. See the California housing report.

This completely updated EPIC United States Housing Report has market updates and predictions for 2018 to 2020, and other data to 2026.

NAR’s VP of research Paul Bishop, predicts sales will be flat for 2018.

One of the biggest challenges is going to be in certain high-cost parts of the country where they have high home prices, relatively high property taxes or high state income taxes, then that’s ultimately going to make the cost of owning a home more expensive.

In addition, renters may lose the incentive to buy a home in high-cost areas if they can’t use the mortgage interest deduction or the ability to deduct some of those other housing-related costs from their taxes. It’s focused mostly on the higher cost areas. It’s certainly something that everyone will be monitoring and how the housing market reacts in 2018 and 2019  — from a news release on DSnews.com.




In this post, you’ll discover the hottest city markets, zip codes, get economic, employment, finance, and housing projections to understand the key fundamentals driving home buying, rental investment, home construction, and the real estate markets in 2018/2019 to 2026. Read thoroughly if you’re considering buying a house this year.

What’s the story for summer of 2018? It has to be Texas and Michigan, however the overall picture is of a very good spring and summer for the housing market nationwide and going forward to 2026. Population growth in San Francisco, Seattle, Los Angeles, Denver, Miami, Houston, Sacramento, Las Vegas and Phoenix continues strong.

The Complete Picture for 2018

Ready to choose your realtor and buy a house or condo this year? The outlook is really rosy! And how about investing in a rental income property for sustained passive income? This current lull might make the next 3 months the best time to buy. The outlook is as positive as could be for buyers. Lock in your mortgage rate.

Overall, predictions and outlook for the US housing market are positive. That’s because the US economy is on its strongest roll ever, bolstered by lower taxes, improved trading agreements, growing American confidence, happiness, comfort, freedom and the American dream has been kindled again.

Take a look at more detailed reports of major US city markets: Latest Posts: Sacramento Housing MarketSan Francisco Housing Market |  Boston Real Estate Market 2018 | Florida Housing Forecast 2018 | Miami Housing Market |  Los Angeles Real Estate Forecast | New York Real Estate Predictions | Houston Market Forecast  | Houston Real Estate Forecast | Seattle Housing Forecast

Apartment Rental Housing Market 2018

Are you considering buying homes for sale as an income investment?  With Apartment rent prices holding strong in 2018, it’s a solid investment strategy.

This graphic below courtesy of Trading Economics shows how the real estate market will be healthy for some time, and that buying a home is a wise investment (Tradingeconomics is a very informative site, have a visit afterward).

Increased government spending, low but slowly rising interest rates, and the repatriation of business and corporate funds back to the US means it’s a healthy, safe market for everyone.

Foreign investment has been strong because the world knows, the US is the place to be. American’s have always had a great attitude toward risk and business growth. Now the economy and business markets are allowing that spirit an opportunity to pay off.

NAR/Realtor Outlook on the Housing Market

Housing Indicator Realtor.com® 2018 Forecast
Home price appreciation 3.2% increase
Mortgage rate Average 4.6% mortage rates in 2018 to 5.0% (30 year fixed) by year end
Existing home sales 2.5% growth, low inventory problem easing
Housing starts 3% growth in home building 7% growth in houses
New home sales Growth of 7%
Home ownership rate Stabilizing at 63.9% nationally

Despite the market correction, experts feel this bull market could continue as long as business keeps coming back to the US. That’s a long process of repatriation. In the meantime, the jobs picture, wage growth, investment, and profit growth are giving real estate participants a lot of optimism.

The resistance to housing development is slowing. Conservatives are giving up amidst intense pressure by those facing outrageous housing shortages and skyrocketing rental prices.



Housing Shortages Won’t Ease

Although January’s sales were disappointing, it’s due to the severe shortage of housing. Demand is there and you’ll be competing against a hoard of buyers in 2018.  Corelogic expects 2018’s home prices will grow 4.3% by next December.  NAR and Realtors® expect only a 3% growth in prices this year. Nevada, Texas, Washington, and Florida are the states with the best outlook, and perhaps the best places to buy homes or rental properties.

The Bay Area, Portland, and Seattle areas saw the highest growth in prices last year while LA’s tumbled. Listings fell dramatically in cental California, Oregon, Washington, and New York.

Consumer mood was not so good in July of last year, mostly due to government problems. Yet the market came flying back. These challenges overcome mean more Americans will have more confidence in their personal situation.

The US Economy 2018/2019

These stats from Trading Economics show positive fundamentals that will drive growth in the housing market, and in turn will bolster the economy, since new household consumer spending and housing investment is a key driver of the economy.

The tax cuts should help although the Fed is counteracting that growth with a questionable raising of interest rates which seems to have sparked the sudden stock market volatility.  Although some disincentives are present for home buying in certain price ranges, that will help keep the market balanced for 2018.

Home prices should begin rising again this late spring in FloridaNew York , Boston, San DiegoHouston, MiamiSeattle, Bay Area and the rest of  overheated California.

Buyers and sellers will enjoy the market trends, stats, threats, and the key factors including housing construction starts described below. Enjoy the big picture!

Scroll down to see the stats, video, and charts on the strongest cities where you might buy or invest. And when is the best time to buy a house?

Sharing is Good! Share the Insight with others on FB and Linkedin

A brief overview of January 2018 from NAR.

Housing Demand 2018: More Buyers Joining the Party

Housing market demand predictions: Demand 2018 will see stronger demand as young buyers have more savings to invest in a home and are getting closeer to being able to purchase a home.




Housing demand is also being supplemented by bankruptcy survivors who waited out their 7 year exile joining first time buyer millennials, babyboomers, immigrants, foreign investors (Canadian and Chinese), and even gen Xers,  all of whom are looking for houses for sale.

New Home Construction Starts: Still Strong in 2018

New home building shows continued strengths, and should pick up by late spring when builders see a return of demand. Last February’s demand was also subdued.

The cost of living is rising and it means workers and businesses in cities such as New York, Los Angeles, San Francisco, Seattle, San Jose, Miami, San Diego, and Boston may migrate to cheaper cities such as Houston, Austin, and San Antonio. This is where job growth is best and housing is cheapest.

The price of apartment rental in cities such as Seattle, San Francisco, and San Jose Rents are extreme examples of the migration out of high priced areas. With limited housing and a strong economy, prices in San Francisco and the Bay Area cannot fall.

Inflation, Labor Shortages, and Building Supplies

Labor shortages, rising mortgage rates, and higher lumber costs are looming which could mean house prices will rise.  With nowhere to go, homeowners are resisting selling. The hope that the resale market will come to the rescue might be unrealistic and and perhaps even fewer resale houses will be for sale. This fall, new home sales have been brisk as reported by the Commerce Department.

Mortgage Rates on the Rise

15 year fixed rate mortgages are still a bargain compared to historical averages. A home at these interest rates has to be considered a big savings, compared to the added price.

Houses For Sale – Should You Buy or Sell in 2018?

The forecasts and predictions for housing markets in Boston, Los Angeles, San Francisco and the Bay Area, New York, Misami, Houston, Seattle, and San Diego etc. all suggest better times ahead.

See the post on the best cities to invest in real estate. Where can you find houses for sale with the best upside potential as a high return property investment?

Housing Experts Predictions and a Lot More

Let’s start off with the newly released 2018 Forecast from Freddie Mac.  The predict a good year ahead with a solid 5% growth in price. They note that the aging population could keep demand subdued although limited housing for sale should create upward price pressure.

Should buy or sell? See the specific market updates and predictions here: Los Angeles Real Estate forecast, San Francisco Bay Area forecast, New York Real Estate forecast, Boston Real Estate forecast, San Diego Real Estate forecast, Houston Texas Housing forecast, Seattle Real Estate forecast and the Miami Real Estate forecast. Bookmark this page for future monthly updates.




The need to refinance is low, homeowners aren’t too stressed out, and they’re using home equity to buy things which is good for the economy.  Overall, Freddie Mac’s report is positive for 2018.

Home Sales Expect to Rise Nationally

Freddie Mac Predicts strong sales driven by moderating prices nationally.

And as this graphic from Freddie Mac’s report shows, price appreciation is much less than before the last recession.

Hottest Real Estate Markets This Past Summer

According to NAR’s latest report, San Francisco is again the hottest city, taking back the number one spot from San Jose. The hottest small city is Vallejo California, enjoying a spillover from the Bay Area market.  Investors and buyers will be hard pressed to find buying opportunities are.

Silicon Valley prices will pressure businesses to look to cheaper cities such as San Antonio, Las Vegas, Houston, Austin, etc in 2018/2019.

Hottest Real Estate Markets in April 2018

Where are the hottest cities in the US? They’re all over this month and only 3 from California made the new top 20 list.

Screen Capture courtesy of Realtor.com

Hottest Cities for Investment Value

This chart from NAR shows where employment growth is strongest and the ratio of recent employment growth to homes being built. That’s a great stat for rental property investors looking for investment income in the best cities.

Compare that to wage growth and actual price appreciation. Again the Bay Area shows the best outlook for employment which has to be your top signal. However, rising oil prices and predictions for more, Texas may be your hottest state going through the summer.

Salt Lake City, Denver, Tampa, Dallas, Cape Coral/Naples, Charlotte, Las Vegas, Houston, San Diego, and Grand Rapids have great employment outlooks.





20 Hottest Housing Markets, January 2018 (Realtor.com) Rank (December) Rank Change Current Home Prices
San Francisco, CA 2 1 $1,249,000
San Jose, CA 1 -1 $875,000
Vallejo, CA 3 0 $390,000
Colorado Springs, CO 4 0 $270,000
Midland, TX 18 13 $265,000
San Diego, CA 6 0 $590,000
Santa Rosa, CA 7 1 $310,000
Sacramento, CA 8 2 $310,000
Denver, CO 11 2 $400,000
Stockton, CA 5 -5 $289,000
Modesto, CA 10 -1 $295,000
Dallas, TX 14 2 $360,000
Fresno, CA 12 -1 $205,000
Los Angeles, CA 16 2 $759,000
Columbus, OH 9 -6 $140,000
Chico, CA 29 13 $349,000
Oxnard, CA 21 4 $505,000
Santa Cruz, CA 27 9 $909,000
Detroit, MI 19 0 $349,000
Boise City, ID 26 6

Best cities for finding houses for sale and get a great return. For property investors or buyers with minimal cash, the cities of Kennewick, Detroit, Fort Wayne, Modesto, Fresno, and Waco look to offer the lowest prices on houses for sale. As usual, California and Texas lead the way, however Michigan is looking good with the President’s intention to bring the auto industry and related jobs back to the US.

In some markets such as Californiahome prices have leveled off a little from their relentless climb. There is a slight risk of a burst housing bubble. Outside of major city markets, the price growth potential in the next 5 years is highest. Some cities are hurting so invest carefully. Take a look at the best cities to invest in real estate and share your stories of which cities we should know about.

Here Panelists from the Urban Land Institution discusses 2017 and the next two year outlook:




Here’s 8 Reasons Why People Are Still Eager to Buy Real Estate:

  1. home prices are appreciating and it’s a safe investment over the long term
  2. millennials need a home to raise their families
  3. rents are high giving property owners excellent ROI on rental properties
  4. flips of older properties continue to create amazing returns
  5. real property is less risky (unless you get over leveraged)
  6. the economy is steady or improving (although Trump’s letting his enemies cause too much friction)
  7. foreigners including Canadians are eager to own US property
  8. bankrupt buyers are over their 7 year prohibition from the last recession and they can buy again.

Latest real estate market reports:

There are more renters now than in the last 30 years.

US homes are at their highest value ever

Foreign buyers buying record number of properties

Housing starts more than expected but not enough to fill demand

New Houses for sale dropped 3.4% in August

Resale houses for sale drops in August

How high can prices for houses for sale go in Southern California?

Read on to learn more about the economic fundamentals that suppport your purchase of real estate:

Buying and Selling — Is This the Right Time?

Are you selling your home? Speculation of a housing crash in Miami, State of FloridaLos Angeles, San Francisco Bay Area, Charlotte, San Diego, San Jose, Denver, Seattle, and many other overheated markets has more people listing their house or condo. Yet, the market is healthy, so there’s no emergency. Prices are stable so you won’t get much more by waiting.

Check out these other posts for homebuyers, investors, and realtors:

How to Sell Over Asking Price | 14 Ways to Improve Your Selling Price | When Should I Sell My Home? | Student Housing Investment | 10 Tips for Home Sellers Who Must Have the Best Price | Home Sellers Pricing Strategy | Better House Market Evaluation

Housing experts are predicting existing home sales of 6 to 6.5 million units in 2018 and then above 1.3 million new homes being built per month to 2024. The building is resuming now that the hurricanes and forest fires are over.

Will it be enough to support the economy? When American builders are feeling optimistic, it’s a good omen, however 1.5 million units per month is needed to fill forecasted demand for housing.

What’s also a good omen is what you’re going to read in this post. It may help you do many things in 2018, from finding employment (see the US Jobs forecast), to understanding politics, discovering high performing best investments 2017 to researching the best cities to live or buy houses or property in.

From Los Angeles to New York to Miami – Rental Property Equity/Income is King

Will Los Angeles Lead the Nation in 2017 in Real Estate?

Interest in rental income investment and apartments is particularly strong now in places like Miamic, Dallas, Seattle and San Francisco.  The Los Angeles housing, San Diego housing, San Francisco Bay Area housing markets are just a few to look at.  Seattle, Denver, Dallas, South Florida, Palm Beach, and New York  have a promising outlook too.

Short list of positive factors to bolster US Housing Market :

  1. moderately rising mortgage rates
  2. president Trump’s new tax plan
  3. low risk of a housing bubble / crash for most cities
  4. millennials buyers coming into the main home buying years
  5. a trend to government deregulation
  6. labor shortages pushing up costs of production and incomes
  7. the economy will keep going – longest positive business cycle in history

Check out the report on investments in rental property if you’re planning to buy in markets such as Los Angeles, San Francisco, San Jose, Silicon Valley, New York, Miami, Oakland, Phoenix, Seattle, Denver etc.  Buyers are still dreaming in California a good look at the San Diego Real estate market, and the Los Angeles real estate market as economic indicators, and a fresh look at mortgage rates. To be on the safe side, see this post on the likelihood of a US housing market crash in the years ahead. Looking to put your house up for sale in 2018? Find a Realtor now.

Housing Stats from NAR, Forisk, Trading Economics

These stats below are collected from top research and reporting companies including NAR, Forisk, Trading Economics, and other real estate market researchers.

 

Sharing is Good for your Social Health! 

Pass this blog post onto your friends and neighbors because they should know as much about the forecast factors as possible before they buy or sell.  It’s good to be helpful. Mistakes are painful!

Expert Predictions – US Housing 

1.  Expert Prediction from Eric Fox, vice president of statistical and economic modeling (VeroForecast) — The top forecast markets shows price appreciation in the 10% to 11% range. The top forecast market is Seattle, Washington at 11.2%, followed by Portland, Oregon at 11.1% and Denver, Colorado at 9.9%.

These economies have robust economies, growing populations and no more than two month’s supply of homes. In fact, the forecast of the Boston market increase sharply to 7.4% is due to reductions in inventory and unemployment. On the other hand, the worst performing market is Kington, New York with 2.5% depreciation, followed by Ocean City, New Jersey at -2.1%, Kingsport, Tennessee at -1.9% and Atlantic City, New Jersey and San Angelo, Texas tied at -1.4%.  — BusinessWire

2. Pantheon Macro Chief Economist Ian Shepherdson explains that “Homebuilders behavior likely is a continuing echo of their experience during the crash. No one wants to be caught with excess inventory during a sudden downshift in demand. In this cycle, the pursuit of market share and volumes is less important than profitability and balance sheet resilience.” — Marketwatch.

Can you save $1700 on Auto Insurance in one year? How about $10,000 in 6 years? That’s a lot of cash. Find out and compare auto insurance quotes.

Housing Construction Starts Will Slowly Rise

It’s predicted that new home construction won’t keep up with demand, however it is recovering and we’ll see more renters becoming homeowners over the next decade.

Car Insurance Quotes: Are you looking to save money for a down payment, save money with the lowest car insurance, find the lowest mortgage rate, or get a free market evaluation? Are you a realtor looking for US real estate leads?

 

If construction rates do moderate, prices in the hot markets of Miami, San Francisco, Los Angeles, San Diego, New York, Boston, and Phoenix should rocket to all time highs but what is the risk of a housing market crashHouse Renovation too is at an all time high in expenditure and this might have an impact on new housing starts.

FRED – Home Prices

US Mortgage Rate Trends

US Mortgage rates are forecast to stay low. Yet recently, mortgage rates have risen above the 4% mark and homeowners are locking in their home loans at the 30 year period. Some are calling this the Trump Effect. With Trump in power, lending requirements are expected to be eased, land opened up for development, and this should stimulate home purchases. With employment growing and wages moderating upward, the market is set for growth. Yet, some housing forecasters still cling to the idea that housing starts will moderate after strong growth to 2020.

mortgage-rates-trend

US Employment Outlook 2018 to 2024

According to BLS the job outlook is positive. Construction added 36,000 jobs in January, with 226,000 more than last year, with most of the increase occurring among specialty trade contractors (+26,000). Residential building construction trended up by 5,000 jobs. Total employment should grow by another 4,000,000 to 2024.

National Employment Growth Employment Growth Predictions, 2014–24 Median annual wage, 2014
2014 2024 Number Percent
Total, all occupations 150,539,000 160,328,000 9,788,900 6.5 $35,540

Job Growth by Occupation to 2026

2016 National Employment Matrix title and code (Chart data courtesy of BLS
Employment Change, 2016–26
Median annual wage 2016
2016 2026 Number Percent
Total, all occupations 156,063.80 167,582.30 11,518.60 7.4 $37,040
Personal care aides 2,016.10 2,793.80 777.6 38.6 $21,920
Combined food preparation and serving workers, including fast food 3,452.20 4,032.10 579.9 16.8 $19,440
Registered nurses 2,955.20 3,393.20 438.1 14.8 $68,450
Home health aides 911.5 1,342.70 431.2 47.3 $22,600
Software developers, applications 831.3 1,086.60 255.4 30.7 $100,080
Janitors and cleaners, except maids and housekeeping cleaners 2,384.60 2,621.20 236.5 9.9 $24,190
General and operations managers 2,263.10 2,468.30 205.2 9.1 $99,310
Laborers and freight, stock, and material movers, hand 2,628.40 2,828.10 199.7 7.6 $25,980
Medical assistants 634.4 818.4 183.9 29 $31,540
Waiters and waitresses 2,600.50 2,783.00 182.5 7 $19,990
Nursing assistants 1,510.30 1,683.70 173.4 11.5 $26,590
Construction laborers 1,216.70 1,367.10 150.4 12.4 $33,430
Cooks, restaurant 1,231.90 1,377.20 145.3 11.8 $24,140
Accountants and auditors 1,397.70 1,537.60 139.9 10 $68,150
Market research analysts and marketing specialists 595.4 733.7 138.3 23.2 $62,560
Customer service representatives 2,784.50 2,920.80 136.3 4.9 $32,300
Landscaping and groundskeeping workers 1,197.90 1,333.10 135.2 11.3 $26,320
Medical secretaries 574.2 703.2 129 22.5 $33,730
Management analysts 806.4 921.6 115.2 14.3 $81,330
Maintenance and repair workers, general 1,432.60 1,545.10 112.5 7.9 $36,940
Teacher assistants 1,308.10 1,417.60 109.5 8.4 $25,410
Financial managers 580.4 689 108.6 18.7 $121,750
Heavy and tractor-trailer truck drivers 1,871.70 1,980.10 108.4 5.8 $41,340
Elementary school teachers, except special education 1,410.90 1,514.90 104.1 7.4 $55,800
Stock clerks and order fillers 2,008.60 2,109.60 100.9 5 $23,840
Teachers and instructors, all other 993.9 1,091.80 98 9.9 $30,110
Receptionists and information clerks 1,053.70 1,149.20 95.5 9.1 $27,920
Sales representatives, services, all other 983 1,077.90 94.9 9.7 $52,490
Business operations specialists, all other 1,023.90 1,114.30 90.3 8.8 $69,040
Licensed practical and licensed vocational nurses 724.5 813.4 88.9 12.3 $44,090

US Housing Starts to 2024

New Housing starts and predictions to year 2024

This enlightening stat in the graphic below shows the US economy hasn’t recovered from the great recession and housing crash of 2007. Single family spending is rising rapidly, yet no one believes conditions for high inflation exist. It points to years of solid, healthy growth ahead with an unfulfilled demand for single detached homes.

 Graphic courtesy of paper-money.blogspot.ca

30 year and 15 Year Mortgage rates Graphic courtesy of paper-money.blogspot.ca

Housing and Interest Rate Forecast to 2019
2013 2014 2015 2016 2017 2018 2019
Housing Activity (000)
Total Housing Starts 928 1,001 1,107 1,177 1,204 1,246 1,299
Single Family 620 647 712 784 842 900 962
Multifamily 308 355 395 393 362 346 337
New Single Family Sales 430 440 503 561 610 647 693
Existing Single-Family Home Sales 4,475 4,338 4,627 4,828 4,978 5,029 5,119
Interest Rates
Federal Funds Rate 0.13% 0.13% 0.38% 0.63% 1.13% 1.88% 2.38%
90 day T Bill Rate 0.06% 0.03% 0.05% 0.32% 0.96% 1.71% 2.22%
Treasury Yields:
One Year Maturity 0.13% 0.12% 0.32% 0.61% 1.20% 2.41% 2.70%
Ten Year Maturity 2.35% 2.54% 2.14% 1.84% 2.38% 2.82% 3.22%
Freddie Mac Commitment Rates:
Fixed Rate Mortgages 3.98% 4.17% 3.85% 3.65% 4.10% 4.54% 4.96%
ARMs 2.88% 3.17% 2.94% 2.87% 3.18% 3.62% 4.04%
Prime Rate 3.25% 3.25% 3.26% 3.51% 4.15% 4.98% 5.48%
Data are averages of seasonally adjusted quarterly data and may not match annual

Chart stats courtesy of Nahb.com

Multifamily Home Starts - Millennial Buying Forecast

Save Money on Your Car Insurance

Saving on car might even cut your home insurance and give you more money for your home downpayment. Check now for the lowest quotes for car insurance Los Angeles, car insurance Boston, auto insurance San Francisco, auto insurance Denver, car insurance Toronto, and car insurance Chicago.

New Home Construction Prediction - Home Resales

Employment Outlook: Let’s not forget jobs. Total employed persons in the US will grow 800,000 over the next 2 years.

f4 Graphic courtesy of tradingeconomics.com/united-states/forecast

Existing homes or resale home sales, may slow slightly but US construction spending will increase. Prices will rise to 2020 and construction spending will grow through 2020.

Existing Home Sales to 2020 - Prediction to 2020 Graphic courtesy of tradingeconomics.com/united-states/forecast

Apartment Rental Forecast

Demand for apartment rentals is on the rise and construction starts of multi-unit dwellings is rising to match demand. That creates more opportunity for rental property investors to grow their portfolios in 2018. Yardi says YOY rent growth was 3.0% and they expect rent growth to remain in the 2.5% range.

Chart courtesy of RealPage

Cities with the most apartment construction include Dallas, Houston and Austin, reflecting Texas strong recovery. For more information, see this post on the best cities to buy real estate and best cities to live in and with the best job outlook.

Rental City Markets with Top Growth

Yardi released its winter national outlook report and forecasts a 2.5% increase.

There you have a quick graphical synopsis of factors that will support a strong US housing market for 4 more years.

What’s Your Personal Real Estate Sales Forecast?

Are you a full time realtor looking to grow your prospects and leads?  Full service digital marketing is a bargain when it’s done well.   What’s the forecast and trends for the real estate sales in your region? If you’re in Vancouver, Toronto, Miami, San Diego, San Francisco, and many other US centers, you’re probably grinning from ear to ear. But will you get your slice of that pie? Relying on real estate lead generation companies is another way you can go, however you have to pay forever and it’s questionable whether their leads are high quality.

My realtor marketing programs let you leverage the full mls listings with a powerful rets idx website, and capture more leads.  I’ve enjoyed serving clients in many housing markets including Toronto, Boston, Chicago, Houston, Montreal, New York, San Diego, Los Angeles, Florida, and San Francisco California.

Share this post on Facebook, Twitter, or Linkedin. It’s good to share!!

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Housing Market Predictions 2018: Ideal climate for best real estate investing.

Bookmark this page and return for further housing market forecasts, predictions, expert opinions and market data for most major US cities including New YorkLos Angeles, Palm Beach, Miami, For Lauderdale, Orlando, Boca Raton, Wellington, Delray Beach, Boyton Beach, Phoenix, Denver, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa,  Toronto, Vancouver, Montreal, Ottawa, Oshawa, Hamilton, Newmarket/Aurora, Richmond Hill, Oakville, Calgary, Kelowna, Mississauga, Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Fresno, and other cities in the states of Florida, Texas, California, Massachusetts, Oregon, Washington, New York, New Jersey, North Carolina, Georgia, Illinois, Michigan, Ohio, Arizona, Nevada, Minnesota, Alaska, Hawaii, Utah, New Mexico, Lousiana, Alabama, Maryland and Pennsylvania.

Home Selling Tips – How to Sell Your House for More | Growing your Selling Price and Buyers USA Canada UK

Home Selling Tips for 2018

Do we need home selling tips just for 2018? I think we do.

Our focus is 2018, the year of more competition and listings.  The economic circumstances, taxation issues, price trends, migration, create unique forecasts for each housing market in 2018. To sell at a good price in 2018, you’ll need some strategy and tactical sales excellence.

Even in the best cities, prices are flat and homeowners will have more difficulty persuading buyers or property investors to buy their properties.

The tax situation is less profitable, the US dollar is falling, new home construction is up, the stock market is wild, real estate investors wary, and the economy looks solid.

There won’t be a housing crash in New York, Los Angeles, Boston, Miami, Houston, San Diego, Seattle, and even the Bay Area forecast is excellent. All of these thoughts will be on buyers minds as they visualize a price for your property. If you keep the faith, then it comes down to what you can do to raise the perception of value to them. And these home selling tips should help greatly.




As you’ll read in the home selling tips, you can have your cake and eat it too. Let go of all the “compromise” talk and know that you can get the maximum prices your home, cottage, condo or land is worth. Everyone knows real estate is precious and governments are committed to constraining supply.

When is the Best Time to Sell My House?

Timing your home sale is important, and asking “when is the best time to sell my house” is a wise question. Make sure you know all the time related issues to seasons and the economic trends happening now.

How to Start a Bidding War?

At some point, you’ve quietly thought about how to start a bidding war. Selling at over asking price is common, but with top notch real estate marketing strategy and a knowledeable Realtor, you can ratchet up your selling price.



Tips to Sell at the Highest Price

These 14 tips to selling at the best price, are another view to your goal to get maximum value for your investment.  These are good times with prices high or rising and many babyboomers are enjoying how their house and property is fetching a good selling price.

Which Renovations Increase your Selling Price the Most?

When you’re planning the sale, you know buyers are hungry, but maybe during negotiations they cite how your house is not in good condition. Worse, maybe a good number of prospects online are turned off by its appearance? Instead of letting that happen, and just dumping your home on the market, you might discover which house renovations increase selling price. Make the most of your reno budget.



Should you Sell Your Home Fast or for a Higher Price?

Do you know how Realtors selling strategy? You have a choice when you’re working with a Realtor, whether to sell it quick or take your time with marketing and build interest to a larger pool of buyers. Most Realtors use a blitz type of selling strategy where they maximize the impulse or desperation of buyers.

They might push it all into one intense weekend showing where it’s organized like an auction. Buyers see each other want your home and they might get emotional and start ramping up their bids, well over asking price. It works and clients get the picture that the Realtor has done a fantastic job of creating buyers and whipping up frenzy.

However, if the property has all sorts of flaws, is in a weak neighborhood, and it’s not high season for selling, the home might not sell. If the quick blitz backfires, you could see your selling price rocket downward. Anyone can sell during high season, but the Realtor who can sell you house now, is a good one.

Online Selling Strategy

Should you hire an old school Realtor or the new digital savvy Realtors who use real estate videos and social media marketing? If your Realtor is a power online marketer, they may be able to build substantial visibility to targeted buyer audiences.

Consider getting that kind of Realtor, create a plan, and do a blitz over 3 weeks. The best buyer prospects will hang on if they know you’re doing a 3 week blitz. You won’t lose them and instead you could enjoy 3 times the buyers and bids (over that 23 day period). In fact, the collective effect on the final winning price could be staggering.

We’ve all seen homes sell for exhorbitant prices, even more than double the home’s value. You might want to tap into that craziness and get some extra money for your kids/grandkids education expense.

The above posts offer extensive home selling strategy and selling tips to help you reach a bigger, targeted audience, give them what they’re dreaming about, encourage more and higher bids, and help close the deal with a record high price. Hopefully, the media will report your selling success like you were a star Mega Millions winner!

 

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Should You Adopt Artificial Intelligence Marketing Software? Albert Boomtrain Amplero Pega Systems Emarsys

11 Things to Look for in your AI Marketing Solution

We’re in the early adopter phase of artificial intelligence marketing software. Those who are learning how to use it are getting exciting results already.

The technology is young, growing, improving and the best is yet to come. Businesses that don’t get into AI are carving a dangerous path for themselves. This series of posts on AI marketing solutions is your first exploration into how they help make your marketing more efficient and products.

The benefits of AI Marketing solutions are compelling. And you’ll soon be checking the AI marketing solutions of companies with strange names including Albert, Boomtrain, Amplero, Pega Systems, Emarsys, and others.

Strangely, there aren’t many reviews of AI marketing software out there, and the posts you’ll find are high on the nerd scale.  So I’m going to introduce you to a few of the good solutions that I am aware of expressed in layman’s terms. Bookmark this page because I will continue adding to our collective knowledge. This is BIG. Have fun exploring.



Benefits of AI Marketing Software

The AI software benefits which I describe in this series of posts might be just the tip of iceberg.  I’m excited about using it. But first, we have to study its value and potential uses. And AI is invading every area of business.

Your company will need to hire what some call an AI marketing software operator. That will likely be a digital marketing specialist/strategist if you manage an SMB.

Way Beyond Marketing Automation

For at least 6 years, companies have been investigating marketing automation, and they’ve reported some satisfaction with cost efficiencies. The vote isn’t in yet on whether marketing automation is really helping where it counts in engagement and closing sales.

Marketing automation is more about the process of automating the administration of complete multichannel marketing campaigns. Makes things easier. And that integration can help keep customers interested, loyal and engaged through the complete buying cycle and manage the tedium of those campaigns.

Human marketers get bored and stressed so MA is the current solution in vogue.  Yet marketing automation lacks the analytics insight, testing ability, content personalization, optimization and forecasting capabilities of new Artificial Intelligence Marketing software solutions that are available.

New AI Solutions are Arriving Weekly

We’re right on the leading edge of this new transformative technology with new, ever improving, customized solutions such as Albert, Boomtrain, and Pega. They offer some serious benefits.

Use of AI by Marketers is About to Climb

The latest Salesforce State of Marketing report says marketers use of AI will grow by 53%. That suggests implementation of artificial intelligence marketing software will be a priority and you will need someone like myself who is excited about it and wants to help you implement and execute it.

We’re in the early days of mass adoption, but at some point, you’ll need to jump on this bandwagon. Regardless of whether you manage an ecommerce site, an IT firm, staffing agency or recruitment firm, major blog, manufacturing business, AI offers some pretty serious benefits — benefits that your competitors will soon enjoy. You’re going to enjoy this pleasant journey in marketing strategy.




What Criteria Should You Consider?

Consider everything you’re doing right now and whether it could be improved using your current technology and best practices. If it’s not winning your market, it’s probably not best practices. The phrase best practices might be a good one to keep in mind as you assess your current marketing strategy. Best results = best practices.

  1. can you personalize your email, blogs and ppc landing pages to respond best to each individual customer based on their past click behavior and their content engagement level?
  2. do you currently conduct slow single factor testing of your content?
  3. are your ppc campaigns ineffective and costly?
  4. do you have good enough data to help you predict your customers buying habits in 2018?
  5. are you confident of your current web analytics solution?
  6. can you handle the growing complexity of digital marketing?
  7. are you happy with your current 1 to 2% conversion rate?
  8. do you understand why and where visitors leave your website?
  9. if Google is weighing onsite engagement, will AI analytics improve your content and rankings?
  10. will AI allow you to reorganize your staff for better utilization and performance?
  11. are you testing to discover which is the right content for each customer touchpoint?

Testing Out AI Marketing Software

Testing the software out can be a little time consuming, so bring in a dedicated, talented and capable marketing strategist to test it and ramp it up. That removes a lot of risk and you’ll learn a lot.

The learning value is underplayed and that could be because some of these companies want to keep that vital knowledge to themselves.  There’s huge “big data” insight for them to profit on.  You need a solution that lets you learn as much as possible and not just fattens their bank account.




By testing it out, you’re going to learn a lot about your brand, target market, your content, and how to improve your integrated campaigns. We assume you use many channels in your marketing.

AI solutions will allow you to test digital marketing campaigns at a rate and depth that no human could. And the insight the software could generated could be really helpful. In many cases, you can have a very weak understanding of your typical customer persona, yet analyze just the click through and content engagement of your visitors to learn what they actually like and don’t like right there and then, so you don’t lose them.

You can test everything from media buys, to keyword choices to blog topics all the way to calls to action. The potential value of AI solutions outweighs the cost of your learning curve. AI will likely spew out value and insight that will change every area of your company. It could help you improve customer service, product design, and more.

Recently a report found that AI has even improved social influencer results.  Wouldn’t it be exciting to analyze your social network and find out how to get influencers to promote your company?

AI marketing software is inevitable. Better to begin asssessing what’s available and do some trial runs.

Taking a Look at Albert AI

As an example, if you take a look at a product such as Adgorithm’s Albert AI, you’ll get a better sense of what it offers.  As you can see here in this graphic, Albert provides an integrated suite of services that pack a powerful punch.  I’m impressed with Albert AI’s support staff and the fact they have recently released a small business version. It’s not too expensive and the software interface is well designed.

Graphic courtesy of Alberta.ai

The Top 2 Benefits of Albert AI

Although the Albert software does a lot itself, I believe 1) Testing and Optimization and 2) Analytics and Insights services provide the key benefits. Soon, the prediction of customer behavior may be most valuable.

Manual testing and analytics isn’t very satisfying. Analysts don’t have enough data to draw insight from. If you’ve perused your own website’s Google Analytics reports, you know what I mean. It’s not the highest quality actionable data. And we can’t test fast enough to draw better insight from it. That’s frustrating and wasteful.

Albert however, can test visitor response, intent, and engagement, and do it in real time. Just think if you could test visitors and maximize insight from their individual visits right now.  Then continue when they return? 99% of your visitors leave your website, so you’re taking a big loss and turning it into an asset.

If your organic and ppc team specialists can generate the traffic, you have the possibility of learning more and continually improving your content and sales funnel. Everyone is into funnel optimization these days, but how many have tools to actually do it well?

If you’re uncertain about its value, you can do a test campaign. Find someone who can be your AI marketing strategist, (someone with a psssion for it) and follow an implementation process. Albert offers assistance in setting up your account and implementing your campaign elements.

From there, it’s a process of learning and improving, and assessing your results.

If trying it out is this easy, it makes sense to invest in it. This is a win win situation where you’ll gain from anything you commit to. It’s probably time to give AI marketing software some good thought and get on this before your competitors do.

Build your brand and sales results faster and better. If you believe in growing a more successful business, this should be a fun and worthwhile experience.

Call me at 416 998 6246 if you’re ready to hire a digital marketing specialist and investigate and test AI Marketing Software.

 

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High Value Luxury Car Insurance | BMW Porsche Ferrari Audi Mercedes Benz Los Angeles Miami New York Vancouver Toronto Phoenix Houston

Luxury Car Insurance – EV, Hybrid or Gas

Across the country, you’ve likely seen more high end luxury cars on the roadway. Manufacturers are building more high priced gas powered/hybrid perforance cars and the race is on for electric powered vehicles.

You’ll be surprised at the performance and features of the new releases this year. Check out the videos below.

With luxury car buyers anticipating upcoming releases of expensive luxury cars including the Porsche Mission e EV, we might also want to review auto insurance for them. Will repairs be more costly? Are they heavier and more stable in snow/ice conditions?



The demand for luxury vehicle insurance (called luxury car insurance) has grown substantially. Porsche, Lamborghini, Ferari, BMW, Audi, Mercedes Benz, Bently, Rolls Royce, and other brands are producing some very interesting new electric luxury cars. That means owners may need review their auto insurance coverage.

Special Insurance for a Special Group of Drivers

Graphic courtesy of carmagazine.co.uk

Not all insurance companies are interested in providing policies for high end, luxury classic collector, or high value automobiles.  Expensive cars however do represent a unique seet of liabilties and unique auto insurance coverage.



Your Porsche, Mercedes Benz, BMW, Maserati, Bentley, Lamborghini, Ferari, Rolls Royce, or Jaguar is not just another vehicle. Insurance specialty coverage gives you the peace of mind that your luxury vehicle is fully covered and that your policy will meet your needs and claims if you’ve involved in an accident. You’ll need to search for that and I have a short list of top luxury auto insurance brokers below.




Electric Luxury Cars are All the Rage

It seems like a new electric luxury model is being released every month. Attention is moving away from Tesla to new group of electric car manufacturers.  Below is Jaguar’s new concept car called the I Pace SUV.

Photo courtesy of Jaguar Canada.

And how about this beauty Luxury EV from Lucid Motors? 240 mile range with 400 HP!

Luxury EV Lucid Motors

Fisker Electric Vehicle – 400 mile range and 161 mph.

Tesla Model S P90D – a 270 mile range for $118,000.

The Tesla Roadster – 600 mile range and founders series pricing at $250,000.

Specializing in High Value Automobiles

Listed below are some of the best high value, luxury car insurance carriers specializing in in luxury cars and high priced vintage and classic cars. These companies understand expensive automobiles and their owners and provide policies more suitable to their needs.

If you’ve read this post on which cars are most expensive to insure, you know that a cars price tag doesn’t always mean more pricey insurance rates. And when you shop around specifically for  car insurance for luxury automobiles, you’ll eventually find those insurers who offer better rates. Even for luxury vehicles, it’s shop and save!




In some states, provinces and jurisdictions there is a trend to limiting auto insurance coverage. In Vancouver BC for instance, the BC government has dropped coverage for luxury cars. They stated that regular car insurance buyers were subsidizing the more costly car’s protection.

It’s left a lot of wealthy Vancouver drivers looking for coverage for their high value automobile, and they’re switching to Alberta for their policies.

The fact is, that many luxury cars don’t get driven much. They are low use, special ocassion vehicles and when usage based telematics devices are used, the luxury car driver can prove the car is being driven safely and infrequently. It’s factors like these that should help avoid the disappearance of luxury car insurance.

The key factors in which luxury car insurance provider to choose comes down to:

  • higher limits of collision coverage
  • the ability to complete repairs using genuine manufacturer’s components
  • access to preferred repair shops
  • avoiding usual ‘comparable’ vehicle replacement policies




Check out the Navigation system on the New Bentley GT

Do You Think the Mercedes GT Roadster is Looking more like a Porsche?

Here’s Forbes look at the best luxury cars arrving in 2018.

How much is auto insurance for the top mid-range priced luxury cars?




Luxury Car Insurance Insurers

Hagerty Insurance Agency, LLC
P.O. Box 1303
Traverse City, MI
49685-1303
www.hagertyagent.com

New Insurance
2855 S 4th Ave Ste 127
Yuma Az 85364
Phone : 928-792-1312
Phone : 949-791-1312
www.newsinsurance.com

Britton Gallagher
One Cleveland Center, 30th Floor
1375 East 9th St.
Cleveland, OH 44114
Local Phone: (216) 658-7100
www.brittongallagher.com

Insurance Suffolk
14 Roosevelt Avenue
Port Jefferson Station, Long Island, NY 11776
www.insurancesuffolk.com

Dempsey & Siders Agency, Inc.
6725 Miami Avenue, Suite 102
Cincinnati, Ohio
45243-3158
www.dempsey-siders.com

Swingle, Collins & Associates
13760 Noel Road, Suite 600
Dallas , TX 75240
(972) 715-8700
www.swinglecollins.com

 

Cheap insurance is often not a priority among luxury car owners who need customized coverage for their Porsche, Mercedes Benz, BMW, Maserati, Bentley, Lamborghini, Ferari, Rolls Royce, or Jaguar. The key is to ensure the value of the car is protected. High end luxury cars are a big investment even for wealthy owners.



Inquiry about luxury car insurance in Los Angeles, Phoenix, Vancouver, Seattle, New York, Miami, Dallas, Houston, San Diego, Toronto, San Francisco Bay Area, and Chicago.

Find the lowest insurance rates in your city: LA auto insurance, Boston auto insurance, Phoenix car insurance, San Francisco car insurance, San Diego boat insurance, Seattle truck insurance, New York car insurance, Indianapolis SUV insurance, Detroit SUV insurance, Indianapolis Car Insurance Quote onlineToronto car insurance quote, or Chicago car insurance.

 

Houses For Sale – How to Find a Better Home for Sale ⌂ Los Angeles Phoenix New York Texas Florida Illinois

Find Houses for Sale with this Super Strategy 

Shop online for groceries, car insurance, or houses for sale, you’ll get better results by searching. In the case of home shopping, you’re going to save tens of thousands of dollars and get the home you want in the neighborhood you want.

That’s the beautiful thing about the Internet — a boundless number of sites that compete for your business.  There is no one single source for condos and houses for sale. They all compete but they don’t cooperate.

Below is an integrated home search strategy that will your make your house for sale search quest exciting and help you find the best property. You can still use a Realtor, but with this you’re still in charge and your Realtor will have to work to represent you.




People have so many hopes tied to acquiring a house (and dream home) yet most homes available for sale are a poor fit and a bad investment. You don’t have to setlle. When you limit your search, you ruin your chance to be happy. Google is a great help. Lots of help in finding open houses. But first, create a home search plan.

Seriously? A Home Search Plan?

Those who don’t plan, plan to fail. A bad choice has such serious consequences in money and happiness.  Take your time. And some selection criteria are more important than others.  List the must haves in your search and don’t deviate too far from. Here’s a few examples:

  1. which specific zip codes or neighbourhoods are right for your family? Find zip code neighborhood ratings and eliminate those with high crime ratings, no green space, recreation, inconvenient shopping, poor roads and utilities, poor schools quality
  2. excessive commute times? (how much can tolerate?)
  3. what size home do you need? How many bedrooms and bathrooms do you need?
  4. age and condition of home? (headaches and heartaches)
  5. what price range do you qualify for? How much for house, how much for renovations to improve bathrooms or create open concept layout?
  6. what downpayment should you have? (private financing)
  7. what payments can you manage? (house poor and depressed?)
  8. what will you absolutely not accept? (bad neighbors, viscious dogs, radio, swearing, drugs, drinking; and now you’ll take your time to make sure these awful things aren’t next door to you and your kids.)
  9. how much capital gains will you need over ten years? (you’ll eventually sell this house)

Realtor Systems are for Creating Sales

You’re not a transaction, you’re a family with a future. Keep in mind that Realtor type systems aim to sell you a house fast, not to let you get picky.  They might not even know about recent crime in the neighborhood or the condition and cost to upgrade the home to healthy.

You may need to go online, or use social media listening tools to learn of bad things in the neighborhood. At some point, your kids will come to face to face with them.

  1. setup a separate, new email address for the house hunting project only
  2. find your own home inspector
  3. use all the home finding sources below

Check out the housing markets in Los Angeles, San Francisco, Seattle, Houston, Boston, and Miami. The Florida housing forecast should be of keen interest to northern retirees and investors weighing the value of rental properties.




It’s understandable that you want to get right at it, and search for a few possibilities online or just call a Realtor™. That’s not wise. It’s far better to create your own web of contacts and resources. This big machine will help you tap into the biggest pool of homes and leads. I have a collection of home search resources that will give you better results than any Realtor™.  And you’ll find 16 tips on homes for sale searching below too — a pro researcher’s process to help you scan for the best homes for sale online and select the right one. We’re going to get you on the sure path to your dream home — a powerful investment and a launchpad to a happy life.




Sharing is Good for Your Social Health

Please share this huge list of amazing property listing sites that have homes for sale below with your friends and family. Help them get the best and avoid the worst. This could be life saving!

Whether as a home or as a property investment income generator, you’re smart. It’s the one investment that creates additional streams of revenue from renters to solar roof panels to tax write offs.




With these tips and resources you can search and drill down to find the best homes for sale, including those not listed on the MLS. Google alerts can help you find new property listings that appear on websites, pages that aren’t very well promoted, because the real estate agent doesn’t want to spend money on Internet marketing.

Don’t rely on lazy Realtors — take massive action to find all potential properties for sale and work with winners.




17 Tips for Home Searching – Online and Offline

  1. visualize the type of home you want and avoid buying whatever the market has up for sale
  2. list your home feature priorities as a guide to keep you on track (e.g.,# of bedrooms floors and washrooms, square footage, distance to school or park, price point)
  3. research the best cities and zip codes with good schools, low crime rate, lower taxes, and lower density
  4. check out the home price history in the city, neighborhood/zip code, comps for similar houses, and the frequency of sales in the neighborhood
  5. do an online search of the street, neighbors, and see what comes up
  6. get preapproved and know how much you qualify for and how you will manage paying the home loan payments for years — don’t waste time searching for homes $100k above your budget
  7. search for the best mortgage deal online – don’t get stuck with a local mortgage agent who sweet talks you into a less than ideal solution
  8. find a good home inspector you can rely on to give you the best insight into the home’s condition
  9. search online for a good realtor, and do not just call one and settle — ask questions about experience, marketing skills, sales and negotiation experience, references, communication skills, and check their website out thoroughly — is this someone who is really into being a Realtor?
  10. connect with many different Realtors since each of them have their own connections and opportunities — the more the better
  11. search online using a variety of sources and get alerts from many Realtors and Google alerts on new properties
  12. before you go to a showing, create a spreadsheet chart that lists each feature you must have and below some nice to have’s and give them a 1 to 3 rating each – bold the top 3 must haves.
  13. measure your furniture and list them on a piece of paper and when you arrive at the home, sketch out the home layout and its dimensions – you can review them later when you have more time to think about everything you need in this home — don’t be impulsive but instead be critical, because if you like it, you’ll get your endorphin boost later
  14. pretend you’re a home inspector and walk around the property and the neighborhood — get a feel for this location and whether you feel comfortable, and take note of the attitude of your neighbors — you’ll be seeing them often
  15. take lots of photos inside the home – zoom in on the kitchen, bathroom, so you’ll have these for future reference when you’re comparing homes
  16. ask to see the actual tax statements and utility bills
  17. check the homeowner’s social pages and Google them thoroughly




Is the home you’re searching for Tech Friendly?  Even Millennial aged buyers forget this factor when attending open houses or showings. Tech-friendly is in.

Infographic courtesy of Porch and https://www.pinterest.com/pin/569142471629698008/

Before you buy, make sure you learn more about the housing market, (e.g., Los Angeles, San Diego, New York, San Francisco, Phoenix, Dallas, Charlotte, Seattle, and Vancouver). These are exceptionally hot markets where you’ll find high priced properties. For other lower priced markets see the cities page. Learn more about cities at city-data.com.

 

Best Places to Search for a Home

Looking in all the wrong places? There’s a cure for that — the right places. Take your time and peruse all of these so you craft a better understanding of the home search process.




  • Homes for Sale in Los Angeles – Search for dream properties in LA – owners list in Dream Homes Magazine to reach the wealthy clientele.
  • Homes for Sale in San Diego – Dream Homes has the best coverage of San Diego.
  • Luxury Homes for Sale above $10 Million+ For the world’s wealthiest 1%, Mega Dream Homes is the place to visit. Find a super luxury home real estate agent.
  • Homes for Sale in New York – Zillow is one site you need to use more often. They operate outside of the MLS system and can help you find additional properties.
  • Homes for Sale Silicon Valley CA – Sothebys has its own set of luxury home listings in the lucrative market in Silicon Valley.
  • Homes for Sale San Francisco – Century 21 is yet one more channel to search in the scarce San Francisco market.
  • Luxury Homes for Sale San Jose CA – Luxury Portfolio has additional opportunties you should get connected with.
  • Homes for Sale Seattle – Redfin could be an aid to your search in 2017.
  • Find new homes for sale in Canada at Buzzbuzzhomes.
  • How about a new home in Phoenix via the New Home Source?
  • Check out Boston’s hot home market with Coldwell Banker Realty
  • Search for Bargains in Calgary Alberta – The Saudis are already jacking up the price of oil and guess who has oil? Calgary Home Boys know the Calgary market.
  • Movoto is yet another resource to help you find homes in Chicago.
  • Homes for Sale Salt Lake City – How about Ziprealty for a unique selection of properties.
  • Denver Home search – should foreclosures be a part of your search?
  • Condo investments in Miami – Are condos good investments?
  • I wouldn’t recommend Craiglist real estate to find Atlanta homes for sale right now, however in a few years, it might be a relevant source.
  • How about searching an FSBO site for Homes for sale in Denver?
  • Find a home in Houston with Better Homes and Gardens
  • Dallas homes searches using an auction service?
  • Keller Williams is yet one more search option in Philadelphia
  • Search the scarce listings of homes in Vancouver for sale on Point2point.
  • If you’re patient and want a lower initial investment point in your home investment strategy you could keep informed with distressedpropertiessale.com
  • Find the best bargain properties via the Times Picayune in New Orleans.
  • Looking for investment property in San Antonio? Asking an experienced income property investor could be helpful.

 




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Real Estate By Zip Codes

Search Homes for Sale By Zip Codes 

Real estate investors and home buyers alike are becoming a little more savvy about searching for good investments and properties in the best cities.

Searching for properties via zip codes adds variety and a new perspective to your home search or pursuit of that great income investment property. You want the real picture, and you may access new and needed information searching by zip code.

While you can search by State, County, City, neighborhood or suburb, a search for homes by zip code lets you zoom into those neighbourhoods you are most interested in, not some general category such as Denver, Seattle, Houston, LA, or New York, which is actually confusing.




Zip Codes are a Great Way to Search for Homes

  • drill down into the neighbourhoods that matter
  • find additional information is available only in relation to zip codes (census and marketing data)
  • zip codes let you see community boundaries easier
  • breakdown of important features via zip code
  • lots of deep demographic info available on zip codes because shoppers give their zip code when buying locally at retail stores
  • gives you different search results




Zip codes give us additional cues or signals about homes for sale, neighborhoods, potential, forecasts, and home price trends in the areas we’d like to invest. Zip codes are used by car insurance companies when quoting rates, and Facebook uses zip codes to target ads just to you.

Nielsen Research has a demographic profiling service which marketers use, based on zip code. It provides lifestyle, income, age and other info on the residents in those zips.



zip code researrch

In this previous post, you learned the top 80 best cities to invest in income properties. Great info for investors who want the best zip codes across the US for a return on investment. There are over 32,000 zip codes in the country, and according to research from realtor.com, there are hot zip codes to pay attention to.

Of course you may not be an investor, and instead are looking for homes for sale in specific communities (zip codes) and you can search with the search box below. Begin with a city and then drill down into the specific zip code you’re interested in. Then all you need to do is find the best time to buy a home in your city.




Any sharp real estate investor knows to look beyond their own city or town to look outward to other cities where property values are rising, where the local economies are strong, and where further positive growth factors exist.

Yes, you’re more interested in the houses and condos, but don’t forget that homes are about lifestyles, neighborhoods, local shopping, schools, medical services, transit, safety, green space, and the economy.  A bad neighborhood can ruin a good home.

Searching aimlessly for homes? Frustrated, demoralized, confused?  You need to get focused and avoid wasting your valuable time.

 

Homes for Sale – The Ultimate Home Search Source

Share the Home Finding Machine — the ultimate source for searching for Homes for Sale anywhere in the US or Canada. Help your friends find their dream home.




7 Factors that make the Best Zip Codes so Attractive for Investors

1. home prices are projected to rise faster than other areas
2. positive outlook for employment
3. local economy is predicted to be better than other areas
4. more of the right properties are available
5. there is a strong housing shortage in that area
6. there is a strong commitment to neighborhood improvement
7. there are good schools nearby

Best Real Estate for Investors – By Zip Codes

Realtor.com conducted some research recently to find the best zip codes in the country. They chose a stat you might think is insufficient as a guide to invest — solely on demand.  Their list is based on a) the time it took properties to sell, and b) how frequently homes are viewed in each ZIP code.

There are other factors that go beyond current demand such as overall housing forecasts, specific features, crime rates, commuting time, types of properties, and more which will impact whoever rents your property or buys it.




Here’s a cool graphic from homesnacks.net that you’ve probably never seen before. It maps out all the zip codes according to these factors:

  • Population Density
  • College Degree Holders
  • Unemployment Rates
  • Household Incomes
  • Short Commute Times
  • Home Values

Looks like they give the thumbs up to Seattle, Southern California, Wisconsin, New England, and the core of Texas.

That’s a different ranking of zip codes, and it may help decide on, or avoid investing in properties in specific regions.



Realtor.com’s top 50 Real Estate Zip Codes:

Rank ZIP Code Community, State
1 76148 Watauga, TX
2 94523 Pleasant Hill, CA
3 80233 Northglenn, CO
4 80916 Colorado Springs, CO
5 78247 San Antonio, TX
6 94954 Petaluma, CA
7 2176 Melrose, MA
8 63126 Crestwood, MO
9 97222 Milwaukie, OR
10 92104 North Park, CA
11 40242 Louisville, KY
12 66204 Overland Park, KS
13 48072 Berkley, MI
14 95123 San Jose, CA
15 37214 Nashville, TN
16 78749 Austin, TX
17 94585 Suisun City, CA
18 14625 Rochester, NY
19 49508 Kentwood, MI
20 58103 Fargo, ND
21 46804 Fort Wayne, IN
22 95678 Roseville, CA
23 43214 Columbus, OH
24 95376 Tracy, CA
25 98105 Seattle WA
26 83705 Boise, ID
27 68144 Omaha, NE
28 27511 Cary, NC
29 90230 Culver City, CA
30 93906 Salinas, CA
31 59102 Billings, MT
32 93004 Ventura, CA
33 67209 Wichita, KS
34 80603 Brighton, CO
35 95062 Santa Cruz, CA
36 32707 Casselberry, FL
37 95368 Salida, CA
38 93720 Fresno, CA
39 50010 Ames, IA
40 14150 Tonawanda, NY
41 28273 Charlotte, NC
42 30269 Peachtree City, GA
43 55423 Minneapolis, MN
44 53005 Brookfield, WI
45 23226 Richmond, VA
46 66617 Topeka, KS
47 75495 Van Alstyne, TX
48 33624 Tampa, FL
49 7066 Clark, NJ
50 80501 Longmont, CO




Zip Codes with the Lowest DOM

According to Realtor.com, it takes 53 days less to sell a home in the top 20 markets. That means these zip codes are in much greater demand.  Will this demand continue through the next 10 years? The answer to that tough question might be found in state and region migration trends, demographics, types of industries, and other economic data, such as I discussed in the San Diego and Los Angeles and San Francisco real estate forecasts.

Investors might be very focused on where millennial aged buyers/renters might be living and where they’re likely to move to. Places like Longmont, Colorado might be head scratchers, however these might be very attractive locations for younger buyers.




For example, the migration away from Silicon Valley in California is one such trend that could last 10 years. The San Francisco, San Jose, Santa Clara region has all the earmarks of overheating such as in-migration, positive economic outlook, and a lack of residential land.

Any towns such as Pleasant Hill (#2) and Petaluma (#6) and others in between Sacramento and San Francisco could have huge potential for price growth.

For those interested in sunny California, take a look at Realtor.com’s hottest markets index in this graphic below.  Look deeper for specific zip codes and neighborhoods that have the best potential. Think 5 years ahead.

California’s Best Zip Codes

Once you’ve found the best zip codes to buy real estate in, you’ll need some guidance in how to actually carry out that investment. You might want to look for property investment experts who have the insight into all the nitty gritty stuff you’ll be encountering.

Search for a Home Via Zip Code

Major real estate web sites are still behind the times when it comes to zip codes.

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Gord Collins — Digital Marketing Specialist

Real Estate Video for Power Home Selling

Homebuyers Are Watching More Video Than Ever

Real Estate Video is a selling machine.  As you’ll see in a few of the videos below is how video can present properties for sale in a more compelling, engaging way. The end result is more engaged viewers, more interested buyers and ultimately a higher selling price.

This post you’re reading is one of my most engaging posts with an amazing engagement time of 15 minutes. Why? Because it’s helpful, on a topic people know is important, and it’s entertaining. This is what good content looks like.

You’ll find 18 reasons why you must use Real Estate Videos to sell homes in 2018. And you’ll be enjoying some astonishing videos and infographics too. Change your approach and change your results.

If you’re a home owner, you’ll want video as part of a complete digital marketing sales system working for you. That will combine with Facebook and Google Adwords ad campaigns, compelling marketing pieces such as blogs and downloadable guides, along with a superior digital sales strategy.



Video adoption is still lagging online yet consumption of video is increasing.  Both  Realtors and homeowners may not be convinced, but in reality the cost of producing video has dropped. Hundreds and hundreds of new high quality real estate video production companies have spawned in the last couple of years.

Video Is Growing in Use Online

Video on your webiste and Facebook is great, but it’s also important in advertising.  Having your own video within your Facebook video ads, lead ads, or Google Adwords ads is very powerful.

Viewer engagement numbers are very high.

Combine that with remarketing ads and you have persistent high quality exposure to your audience.  And Realtors,  if you have a list of prospects emails and names, you can target custom audiences and target only those people. This maximizes your impact and minimizes waste.

Take a look at some numbers here from Hubspot.

With drones and 4K video technology, you’re able to present your buyers with an exceptional sales piece complete with elegant music and key selling features to help get buyers focused on buying your home.  It really is about focus, and that is created through effective videos.

Forget what you’ve heard and expect about video. Speak to a video producer and let them explain what is possible and persuasive. Open your mind about how video can represent you and your property.

Video doesn’t preclude in-depth blog posts, viewable mls listings, and material that builds trust.  Video adds an additional visual element that is engaging. You really do need it. There are few realtors below who understand the power of video. If it’s done with good taste, sincerity and good production values, a video can be a powerful lead generator.  And let’s not forget how sharable a Facebook or Youtube video is.

Using a real estate presentation video may have more selling power than you realize as you’ll see in these amazing realty videos below. You can get more offers, sell higher, and get offers faster. Let’s launch a bidding war.  If your realtor isn’t using video, you’re missing out on leveraging engaging content that will impact, engage and persuade.




According to an Australian Real Estate Group, real estate listings that include a video receive 403% more inquiries than those without

If You’re Going to Sell Your Home – Get Big Exposure and a Beautiful Video

Let’s explore the world of video real estate marketing and how it might benefit your online reach, impact and sales. Video’s such a fun medium, you’ll have a fun time exploring and evaluating it.

Mobile and Video really growing: Smartphone traffic will exceed PC traffic by 2020. Ultra-high-definition (UHD) will be 20.7 percent of IP video-on-demand (VoD) traffic in 2020, up from 1.6 percent in 2015.

tubularinsights
This study by Tubular Insights showed a remarkable improvement with photography and video on estimated value of the property. So much for market assessment!

I’ve got 18 compelling reasons why video should be part of your home selling and marketing mix. Which of the 18 are most important is up for debate, but perhaps the top reason is that consumers online are watching more video than ever.

Some are forecasting that most internet traffic in a few years ahead will be video viewing on mobile phones. Reading isn’t a whole lot of fun on a smartphone and it makes sense that consumers will expect content and information in a non-readable format.  It’s not that they don’t want to think, it’s that they will lean to information that’s easy to experience and absorb. Video has a big advantage over text here (however, let’s not forget that Google ranks your pages using the text!)

The power of real estate videos is in three dimensions: 1) technology and functional compatibility, 2) emotional engagement and retention, and 3) enhanced reach into the marketplace. If you can achieve all of these rather difficult challenges, you’re on your way to top sales. For the homeowner selling a house, property, or condo, it can generate multiple offers leading to a sold over asking price result you most certainly want.

2017 Forecasts: Interested in knowing more about the US housing market, San Francisco Rental Income Market,  Los Angeles real estate market, or Toronto real estate market through 2017?

Agent Introduction and Update Videos

Here’s Austin Realtor Jill Leberknight with her agent introduction video. She’s an exceptional pro:

The Best Real Estate Listing Videos

To whet your appetite, view this video from Sureshot and you’ll not how elegant it is and how it well it reveals the features of the home. Is this more powerful than the MLS listing data?

Unit 7, 26 Paton Street, Kangaroo Point, Brisbane from Sure Shot Film on Vimeo.

And in this real estate video, we see how seamlessly and comfortably the drone aerial footage is fused to the indoor shots. How much more would your home or condo sell for with a video like this?

And the shots and vistas in this video are compelling.

So much creative styling, motion, color, sound and visual content can be used in a real estate video. This is a ranch style home in beautiful Canmore, Alberta Canada.

Now if you have a professional film crew handy, you might take the video home viewing to new cinematic heights. Get blown away by this land/sea/air excursion into an incredible mansion in Del Mar California, just north of San Diego.




Real Estate Video in 4K – The next Generation is Here

Oh yes, our adventure isn’t complete without sampling an amazing 4K video of a home for sale in Utah.

Have to admit it, those Drones do have their purpose in real estate video marketing.

18 Reasons to Use Real Estate Videos

  1. Videos keep visitors on the site and not leaving –  the average user spends 88% more time on a website with video with many viewers watching the same video several times.
  2. Videos often rank well in Google search results on their own
  3. Video engagement is watched by Google thus your page looks like it is of more interest to searchers and your Google rankings will rise
  4. Homeowners prefer realtors who use video on their websites
  5. Video attracts 3 times as many links to your site compared to other types of content
  6. video increases email engagement and sales response rates
  7. Video creates better impact and memory retention/recall for better branding
  8. Video is more emotionally engaging and when you’re selling, it’s all about emotion when buyers are making the decision to buy – when buyers see rooms in motion they’re more likely to think about how their kids would use the home — important prepurchase behavior
  9. Videos build buying intent, activate impulse, and make buyer prospects feel more confident – Enjoyment of video ads increase purchase intent by 97% and brand association by 139% according to Unruly.
  10. Video presents and reveals top home features more convincingly
  11. Youtube is very popular still and reaches a lot of consumers
  12. Video is still leading edge and prestigious – it greatly enhances a realtor’s credibility and professional brand image
  13. Homebuyers want and expect real estate videos — come on, they’re buying their dream home!
  14. Neighbourhood video tours are fun – and you can brand your videos anyway you want
  15. MLS stats alone leave buyers feeling cold – they’re not statisticians, they’re flesh and blood, emotionally buyers who want to feel continuously good about their intention to buy a home
  16. People love sharing videos with friends on Facebook and other social media – friends and family provide positive feedback to them
  17. Personalizes video is one way a local realtor can beat the big real estate brands and websites — their Achilles heel is a lack of personalization and emotional connection
  18. By doing a short cameo appearance in your video, you’re introducing yourself in the most way — relative to a pleasant tour of the property – which moves them a step toward negotiations

When visitors see only an mls listing, it is a bland piece of content that unfortunately you can emotionally associated with. What happens in branding terms, is that you become a commodity because this exact same mls info is found on hundreds of other realtor websites

How do You Make a Great Real Estate Video?

What makes a great real estate video?

  • excellent well defined videography with great lighting that makes everything visible and transparent
  • smooth sweeping motions that provide a comfortable viewing experience
  • a few visual surprises
  • the right music for the target buyer
  • 4K high definition video and ultra high quality audio
  • a personal introduction from you
  • aerial views of property and neighborhood
  • home is nicely and professionally staged

Here’s Australian videographer Dave Dwyer explaining how real estate videos are produced: davedwyer.com.au

What better way to learn some real estate video tips than via a video?

Real Estate Videos statistics. See the great collection compiled by Virtuets. http://www.virtuets.com/45-video-marketing-statistics/

videosalesfigures

There you have the ultimate Guide to Real Estate Video. Take a broader look at your homemarketing plans for 2018 and 2019 and integrate video in it. The value of increased audience engagement and social media engagement shouldn’t be understated. It’s tens or hundreds of thousands of dollars difference depending on your needs.

Related posts: Housing Outlook | San Francisco Real Estate ForecastFirst Time Homebuyers Tips | LA Housing Market | Toronto Housing Market | San Diego Housing 2017 | Real Estate Agents | Blockchain Real Estate | Toronto Real Estate SEO | Vancouver Real Estate SEO | Vancouver Condos | Toronto Condos | Vancouver Housing Forecast | Affordable Leads | Digital Marketing for Realtors | Realtor Branding | Bidding Wars |  Seattle Real EstateRealtor Growth Hacks | Realtor Skills | Realtors Benefits | Home Search | Richmond Hill SEO | Boston SEO | Vancouver SEO | Rental Income Housing | Homes for Sale | Homes for Sale Aurora | York Region Real Estate

Gord Collins —  I generate leads for realtors in Los Angeles, Phoenix, Denver, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa, Miami, Orlando, Toronto, Vancouver, Montreal, Ottawa, Oshawa, Hamilton, Newmarket, Richmond Hill, Oakville, Calgary, Kelowna, Mississauga, Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Fresno, Santa Clara, Sacramento, Mountainview, Palo Alto, Portland, Washington, Atlanta, Irvine, Nashville, Sunnyvale, Salt Lake City, Riverside, Rancho Cucamonga, Costa Mesa, Thousand Oaks, Simi Valley, Raleigh, Albuquerque, Glendale, Oceanside, Long Beach, Huntington Beach, Carlsbad, Santa Clarita,  Henderson, Mesa, Temecula, Kirkland, Redmond, Kansas City, St Louis, Stockton, Scottsdale, Palm Springs, Indianapolis, Columbus, Colorado Springs, Fort Worth, Chula Vista, Escondido, Santa Monica, Miami Beach, and Honolulu. Find a Los Angeles Real Estate Agent who will actually work for you.

Housing Bubble 2018 – Will the Housing Market Crash in 2018?

Housing Bubble 2018? Will the Real Estate Market Crash This Year?

Home buyers, mortgage holders, and investors are asking more lately, “Will the housing market crash in 2018/2019?”  The US Housing Market is strong, so if this is a housing bubble, it’s a big one.

Remember the worst financial mismanagement and calamity of our era?  Subprime mortgages. 7.8 million foreclosures occurred during the 2008 housing crash and the country sunk into a severe recession.

Are we in a residential housing bubble?  While the Trump administration has brought unprecedented growth in the US job market, a preoccupation with ideological issues such as immigration and nuclear war along with cancelled trade deals point to a recession.

Take another look at the US housing market factors and fundamentals.

With job and wage growth now rising, the situation might be more one of inflation, rising interest rates, and strong housing starts. That suggests a recesson won’t be for a few years. If the jobs and industry repatriation continues, then growth could continue for many years. Industry can’t be repatriated to the US in a short time. It took China decades to gain its monopoly on manufacturing.

What is a ‘Housing Bubble’

According to investopia, A housing bubble is a run-up in housing prices fueled by demand, speculation and exuberance. Housing bubbles grow with an increase in housing demand, pressured by limited supply. Then speculators enter the market to capitalize on capital gains and rental income property opportunities.

Supposedly, lessons were learned with controls on lending practices. Yet, could housing plunge for different reasons this time? Is a bubble a certain sign of a housing market crash? Experts think so.

12 Reasons for a Housing Crash

  1. excessively high home prices from a price bubble
  2. sudden underwater mortgages
  3. rising interest mortgage rates
  4. slowing economy and sudden rises in unemployment
  5. wage growth not keeping up with home prices
  6. geo-political shifts
  7. trade deals
  8. a stock market bubble and volatility
  9. level of consumer debt
  10. cost of living rises
  11. risky low rate mortgages for new home buyers
  12. high oil and energy prices




Homeowners are wise to be wary. The last crash cost many their homes and savings. Billions wiped out. There were plenty of expert predictions about a crash in 2016 and 2017, but that didn’t happen. That’s because the US  economy is too strong and frankly, it doesn’t look to be letting up for many years.

Money manager James Stack, 66, ($1.3 billion fund) predicted the last housing crash in 2005, just before prices peaked says his “Housing Bubble Bellwether Barometer” of homebuilder and mortgage company stocks is warning of another crash.

Stack’s emphasis on financial companies is interesting. He must feel that it’s this over-leveraged group, the ones we forgot about, that could be the weak link. If the Fed goes crazy with rises, it makes sense that homeowners would begin defaulting on their mortgages leading to finance company failures again.

The recent tax changes are powering up the economy fast but they’re cooling demand which could keep it from peaking further. But prices have raged forming one half of the bubble.




If we avoid a national housing crash, could individual markets in New York, Boston, San Francisco, San DiegoLos Angeles, Seattle, Miami or Houston crash?

Should you sell your house in 2018? or should you buy a house in 2018?

The problem comes when the bubble bursts and losses of 30%, 40% or more pile up quickly. Investors tell themselves they’ll be smart enough to get out in time, but that’s not true.” from a post on Bubble Dynamics by Jim Rickards.

With all the political strife in the US, there’s those who might think a housing market collapse is inevitable and could launch a stock market crash.  Maybe a few will take pleasure from it. Wars, government incompetence, political interference, weak banking system, and a weakening economy brought everything down in 2008.

price crash



Some experts warn the conditions also exist for a crash in 2018/2019. Is this just anti-Trump lobby fear mongering or is there a factual basis for a housing crash?  They point to heated up markets like Washington DC, Dallas, New York, Seattle and Denver and talk about bubbles.

They point to Presidential impeachment, trashed trade deals, global economic slides, and high consumer debt as sure signs the housing market bubble will burst.




But hold on, the stock markets are still strong with plenty of demand for housing. Houston, Miami, Los Angeles, Seattle, Denver, New York, and Boston are still showing strength during traditional weak seasons.

So is there really a US housing bubble and a tumble as early as 2018? Or will the year of the natural disaster be followed by a unusual good year for housing?

International economies play a big role now so perhaps domestic issues might not be enough to set off a housing landslide. But let’s take a closer look at all the fundamentals below.



The Last Housing Crash

Can history be a reliable guide to the 2018 to 2020 period? Looking back at the last housing crash 10 years ago, experts blamed it on everything from easy low mortgage rates to greed, house fippers, unregulated banks and lenders, mortgage underwriters and sub prime loans.

And when mortgage holders believe they will owe endlessly on a worthless high priced property, they’ll begin defaulting on their mortgages. If mortgage rates jump and they aren’t locked in at a low rate, that’s a factor.

If trade wars do begin, it could kill jobs, wage levels, and investment, resulting in a slide. The economy is the number one factor. And if foreign buyers want to sell because of currency worries, prices would fall.

It’s these worries that keep property investors up at night and a lot of people from buying.



Boston, Seattle, Denver, Atlanta, Portland, San Francisco Bay Area, Los Angeles and New York are cited as having the most likely conditions for a housing crash.

Those housing experts point to a number of things that exist now and could transpire in 2018 or 2019. So if the housing market was to burst, would that affect how much you should pay for a house?  If you’re a seller, should you sell your house now?

If you’d like to put up your house for sale as the market is peaking, you might want to read these homeselling tips.

The US Economic Bubble

The US housing market has ridden the longest economic rally in US history. Is this an economic bubble too?

There is an economic bubble. We’re in it. It’s a period of intense optimism with lots of disposable income to throw at home purchases. And places like California is where the tech industry has done so well, bidding has been most intense. Yet, it’s not completely out of control (although anyone in the Bay Area would argue) as the points below suggest.

Zillow Survey on US RecessionGraphic courtesy of Zillow.com

 

What happens if China calls in that debt? Interest rates would rise, layoffs would grow, mortgages would begin to default, and prices would plummet faster than they went up.





Lowest Mortgage Rates
Lowest Mortgage Rates USA

 

 

Is there Excessive Risk Taking in the Housing and Investment Market?

Experts say excessive risk isn’t present in the markets. They suggest few are overleveraged, financially stressed, and not threatened by increased interest rates.

Is Demand for Housing in the US exhausted?

It appears demand for housing is still strong and considerable building is taking place. However not enough housing is being built to satisfy current demand.



Is Debt a Problem?

US credit card debt is the highest in history and the US national debt is $20 Trillion. The US annual trade deficit is also in the trillions. The average US home buyers puts 5% down on a home whereas in the past it was 20%. There’s not a lot of new mortgage debt:

In 2016, new first lien mortgages topped $2 trillion for the first time since the end of the housing crisis, but mortgage originations were still 25 percent lower than their pre-recession average — from Magnify Money.

Average debt to income ratio is rising yet is way below what it was before the last housing bubble.

However, Equity is High

Homeownership is at its lowest level ever in the last 30 years. Most Americans make low wages and can’t afford to buy. And those who do own, have a lot of home equity.




Unofficial Conclusion: No Housing Bubble for the Foreseeable Future

It doesn’t look like the statistics support a housing bubble or a burst. The markets appear to be stable and those who are at risk of an economic downturn are renting and don’t hold mortgages.

We can say for sure that it is a good time for wealthy Americans and large multinational corporations. Record profits that they don’t appear to be willing to share with American workers. Without excessive demand from the working class, a housing bubble would have to happen from investors taking flight.

Perhaps the best way to prevent a housing bubble from happening and an economic catastrophy is to not allow half of Americans to participate in the housing markets. This is why the property rental market is piping hot.  There may not be an end to demand for rentals.

Have a good look at the student housing investment opportunities. It seems students are starved for accommodation and new REITs are serving the market.



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11 Better Ways to Generate Real Estate Leads

11 Better Ways to Generate Real Estate Leads

I know, you get all your leads from word of mouth and all the rest “don’t do nothin” for me. What you may not be recognizing is that all channels power up your personal referral network and build word of mouth referrals from anywhere.

Staying old school agent and procrastinating on using all methods to grow your word of mouth referral network is unwise. 90% of agents avoid digital marketing. I hope you’re not one of them, because the top realtors I know all talk about how online is their growth area.

What is random and slow can be accelerated and improved.  You can build your audience and continuously engage them and avoid leaving your local neighborhood markets to your competition. Weave these 11 tactics below into a powerful overall strategy that is self-supporting.

Header graphic above is a Business vector created by Freepik

How Impressed Will Clients Be if They See You Have it All Together?

It’s not this or that tactic or, it’s using all of them to win.  Smart professionals who take the future seriously know they need to combine tactics like these and stick with them. Persistence is paramount.

And social media? Well, that has a special place in the engagement of your inner circle  and their connections. Each of these 11 tactics below will feed the others. Look at them as an army that will bring it all together for you. Have faith that this inexpensive effort will pay big dividends.

Most Realtors lack an overall strategy and they resort to hacking tactics to scrape out leads. Wouldn’t it be better to put together a multichannel strategy that helps you dominate local presence? These tactics below should help you step it up in lead gen.

Feed the Team!

If you’re a Realtor team leader, it’s not just about you.  Teams are where the success is, yet your team members need leads and to feel they have reach into the market. and supporting them generates big returns for you and a healthier sustainable agency. If you’re not doing it, your agents know it and begin jumping ship.

Let’s revisit the whole lead gen thing quickly with the 11 Best lead generation tactics.

The essence of excellent lead generation is wide scope visibility to the buyer and seller market and creating a clear emotion to choose you. Sounds so simple and maybe it is?

  1. Create topics, events and beliefs that bring you and prospects together. If they fish, play golf and tennis, travel, like fixing old cars, build furniture, grow flowers, watch HGTV, or eat health foods, then shouldn’t you be into these things too? This is more than blog and FB posting. It’s a way of getting invited into their lives.
  2. Create a visually welcoming website: a new website is fresh, easy to read and navigate, and has pics, videos, text and interesting headlines to draw them in. They’ll come back again and again because it’s fun, helpful and interesting. You may need to hire a good creative content person to get this accomplished. No, it isn’t easy but if you have the goal of a great website in mind, you will get your wish.
  3. Promote through social media, print flyer and local radio ads: A multichannel approach helps to focus the impact of your promotion. One channel by itself may not be engaging enough for your audience. Your offline promotions should bring them to your website and FB page, and get them on your email list. How well are you doing that now?
  4. Create a highly visual brand image and use it on your website, lawn signs and vehicle wrap: bright and ugly is what one very successful agent did, it really worked and made him stand out from the rest. Differentiation is the key. Don’t be boring.
  5. Leverage the new RETS industry standard MLS IDX system: RETS IDX gives you more flexibility and success in using your local MLS listings. These are the assets that your prospects crave.
  6. Use a new CRM system: with advanced lead scoring and engagement/conversion analytics, and the ability to send to a friend thus getting your circle to promote for you. Are your Google leads looking for bungalows, condos, or 4 bdrm houses near schools? Let your analytics tell you what they want and then give it to them.
  7. Hire an SEO / Content Strategist: 90% of buyers and sellers go online as part of their sales process.  To create high Google rankings along with epic, lead converting content that gets shared social you need someone who loves doing this stuff.  Plenty of strategically generated, amazing content optimized for Google really can generate huge traffic and leads. Don’t stick your head in the sand about online traffic — it’s the future of real estate and it’s your future.
  8. Build social media connections, interact with them, make them feel good:  because people buy when all their miseries fade away and they’re left with one clear state of feeling good. You make people feel good when you rid them of their troubles.  One agent I know of relies totally on Facebook and uses it as a central lead conversion center (he revealed some of his secrets to me). You can only have 5000 connections but that’s a big farm to grow sales.  The points is that homeowners are avid FB users and you can go from stranger to friend.
  9. Travel, meet people, study industry news and be more interesting: dull and uninteresting kills so build interesting material for your blog and FB page. That’s engagement. All that activity inspires others. Show your travels, celebrations, achievements, learning, and other people’s good stuff too. Celebrate everything and show them life is a fun blast and they need to buy or sell and start living themselves. Who wants a dull life?  Yes, travel is expensive. I wish I could travel because it can take your business to a whole new level and revitalize your personally. You need an “experience strategy.”
  10. Start a charity that helps homeless people, unemployed people, physically challenged and other forgotten people: show genuine caring by doing something them to suffer less and feel more hopeful: generosity does work so give away things for free and don’t favor any recipient. Be fair and helpful. You’ll get respect and admiration with your own local charity.
  11. Advertise on Google and Facebook: Can’t ignore his quick direct connection to prospects. It isn’t because you can’t afford it, it’s because you can’t convert the leads with just a phone number. This comes back to your CRM and lead conversion system, and the quality of the value offer prospects are seeing in your web content. Some agents win solely with PPC ads because with local targeting on FB, Google and remarketing. These give you an economical, continuous presence. Don’t use the lead gen companies. You can do it yourself.

There’s plenty more lead generating ideas, but these 11 give you the best bang for your buck.  Check out these top skills for luxury real estate agents.

Search Engine Marketing Services

I provide packaged services for successful agents, yet I am fully open to helping agents at a lower price point.  Take another good look at your website and ask yourself what’s missing.  Does your website and digital promotion really hit to the heart of what buyers and sellers like? Are you making them feel really good?

Call me anytime at 416 998 6246. I’m looking forward to working with a progressive and success minded realtor.

 

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