PHH Home Loans Blog

PHH Market Commentary

This holiday-shortened week brings us the release of seven relevant economic reports for the markets to digest. A couple of these reports are considered to be key data, so we may see plenty of movement in the markets and mortgage rates as a result. The financial and mortgage markets will be closed Monday in observance of the Memorial Day holiday and will reopen for regular trading Tuesday morning. Accordingly, we will not be updating this report Monday. April’s Personal Income and Outlays data is the first release of the week at 8:30 AM ET Tuesday. This Commerce Department report gives u...

May 29th, 2017 PHH Market Commentary

Home Improvements That Really Increase Your ROI

Now, most of us know that there’re plenty of things we can do in a home to bring an improvement, as far as our preferences go. But how many of these improvements actually bring in a return on investment (ROI) if or when an actual selling time approaches? As our likes may not be the likes of others, improving according to our preferences doesn’t necessarily give us more bang for our bucks, as some commonly say. That said, our article below centers on what are some of the areas of improvement that stand a better chance of a high ROI once they get done. Let’s start with the two ...

May 25th, 2017 Home Improvements That Really Increase Your ROI

PHH Market Commentary

This week brings us the release of five pieces of economic data that may impact mortgage rates in addition to two Treasury auctions and the minutes from the latest FOMC meeting. None of the events are considered key or expected to be a market mover, but most of the reports carry enough importance to affect mortgage pricing if they show a decent sized variance from forecasts. There is nothing set for release Monday, leaving the stock markets to be most likely force behind a noticeable move in rates Monday. The first release of the week will be April’s New Home Sales report at 10:00 AM ET ...

May 22nd, 2017 PHH Market Commentary

Should Your Homebuyers Be "Anti-septic"?

Getting to Know Septic Systems Waste is a terrible thing to mind - and it's something that your homebuyers have to consider when they are looking at a home that has a septic, rather than a public sewage, system. Homebuyers may be surprised to learn that septic systems aren't limited to rural areas and small towns - cities with older neighborhoods/suburbs that were independently founded and then later absorbed by the city proper might still use septic to dispose of their waste. In fact, according to the Environmental Protection Agency, one in five U.S. households use either an individual onsite...

May 22nd, 2017 Should Your Homebuyers Be "Anti-septic"?

You've Got A Little List - A Creative Approach to Creating Buyer Self-awareness

You can often move a 3,000 square foot home into the divide between what a buyer says they want (especially when they emphatically tell you that they know exactly what they want) and what they really want. That gap grows wider once they start visiting prospective houses and seeing things they hadn't thought of, didn't know existed or didn't realize they could or couldn't live without. Most buyers have a general idea of their necessary house features, neighborhood qualities, community amenities, etc. Maybe. But why risk ever-shifting priorities and desires - and prolonging the house hunt for yo...

May 22nd, 2017 You've Got A Little List - A Creative Approach to Creating Buyer Self-awareness

Upgrades For Your Home to Save Energy & Boost Your Resale Value

Many of today’s homeowners would benefit from a home energy audit, especially those with older homes. An audit will uncover where your home is wasting energy and how to best remedy the situation. Remodeling your kitchen, bathroom or living room may add to your home's resale value, but the following energy-efficient upgrades not only adds value, saves you money on your utility bills, but you’ll help the environment, too. Replace Old Windows & Roofing If you have old, drafty windows with loose frames or gaps that let conditioned air escape, you’re losing money. Replace them...

May 18th, 2017 Upgrades For Your Home to Save Energy & Boost Your Resale Value

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This is not a commitment to lend. Loan programs, rates and terms subject to change without notice and are subject to property and credit approval. For informational purposes only. Restrictions may apply. Your real estate professional is not a mortgage lender. Please contact your Loan Officer for information about mortgage products and your eligibility for home financing. PHH Home Loans, LLC, 1 Mortgage Way, 3rd Floor, Mt. Laurel, NJ 08054. NMLS ID # 4256 ( Arizona Residential Mortgage Licensee #BK 0907270; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Illinois Residential Mortgage Licensee #MB.6759865; 100 W. Randolph, 9th floor, Chicago, IL 60601, 800-532-8785; Minnesota - This is not an offer to enter an interest rate lock-in agreement; Missouri in state office located at 2458 Old Dorset Road, Maryland Heights, MO; Ohio Certificate of Registration MB.804019. Equal Housing Lender.
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