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Topouzis & Associates, P.C. Speaks

In this series, Topouzis & Associates, P.C. experts research and explore trends, sales strategies, demographics and dynamics poised to change the real estate industry.

  • A Way Forward for High DTI Consumers
    August 21, 2019

    A Way Forward for High DTI Consumers

    The GSE Patch, created by design to smooth access to mortgages for individuals with higher Debt-to-Income (DTI) ratios than average [...]

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  • What's Happening in Home Price Appreciation?
    August 20, 2019

    What’s Happening in Home Price Appreciation?

    Home price appreciation is a fraught topic these days. The way home prices are going—the numbers hold some market watchers [...]

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  • The Best Small Towns for Retirees
    August 19, 2019

    The Best Small Towns for Retirees

    There is a rather unfortunate tendency among older Americans to seek out the cheapest locations for themselves to retire, given [...]

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  • Generation Xers are Keeping Their Larger Houses
    August 16, 2019

    Generation Xers are Keeping Their Larger Houses

    The sociological phenomenon of difference among generations continues to have a pronounced effect on the way these large groups of [...]

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  • A Look at Buyer’s Market Mortgage Volume
    August 15, 2019

    A Look at Buyer’s Market Mortgage Volume

    There’s increasing accord among professionals in the residential real estate market that we have passed through the decidedly seller-beneficial portion [...]

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  • The Strange Inverse Relationship Between Rising Rates and Refinance Numbers in January
    August 14, 2019

    The Strange Inverse Relationship Between Rising Rates and Refinance Numbers in January

    Common sense would seem to dictate something simple: when rates fall, so the number of people looking to refinance their [...]

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  • Modular Construction Gains Steam
    August 13, 2019

    Modular Construction Gains Steam

    As any reader of this blog will be aware, there has been a lot of attention paid latelyto how the [...]

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  • What is the Ability to Repay and Qualified Mortgage Rule (QM) Patch?
    August 12, 2019

    What is the Ability to Repay and Qualified Mortgage Rule (QM) Patch?

    When Congress modified the Truth in Lending Act (via section 1402 of Dodd-Frank) as a response to the 2008 housing [...]

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  • Why Some Think Builders Aren’t Improving Single-Family Housing Availability
    August 11, 2019

    Why Some Think Builders Aren’t Improving Single-Family Housing Availability

    In our last post we made brief mention of an early 2019 rise in the confidence of builders, as reflected [...]

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  • Increasing Builder Confidence
    August 10, 2019

    Increasing Builder Confidence

    Last year many—including us—wrote about the strange trend in the construction industry that, despite rises in employment, wages, and overall [...]

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  • The Lowdown on Tax Lien Investing
    August 09, 2019

    The Lowdown on Tax Lien Investing

    When a homeowner owes back taxes on a property, the governmental authority to which those taxes are owed can place [...]

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  • The Latest on How the CFPB Plans to Regulate
    August 08, 2019

    The Latest on How the CFPB Plans to Regulate

    In May 2018, the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA) was signed into law, in an effort [...]

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  • How February’s Low Jobs Report Affected the Housing Market
    August 07, 2019

    How February’s Low Jobs Report Affected the Housing Market

    February 2019 saw a somewhat alarming decrease in the number of new jobs added to the economy—a mere 20,000, which [...]

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  • Freddie Mac Expects Mortgage Originations to Increase Through 2019
    August 06, 2019

    Freddie Mac Expects Mortgage Originations to Increase Through 2019

    Late 2018 saw some careful watchers of the real estate market showing signs of mild skittishness, as mortgage prices began [...]

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  • August 02, 2019

    The State of Affordability for Home Buyers

    A March report by Zillow indicates that housing became less affordable nationwide through 2018. At the same time, renting became [...]

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  • Confidence in the Marketplace
    July 29, 2019

    Confidence in the Marketplace

    Over the course of May, American consumers saw their confidence in the housing market rise again. (We knew it would.) [...]

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  • Mortgage Rates Dropping or Holding Steady
    July 26, 2019

    Mortgage Rates: Dropping or Holding Steady?

    The real estate market over the past year has been on quite a ride. First there were the heavy bidding [...]

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  • Keeping Independent Mortgage Banks in the Game
    July 25, 2019

    Keeping Independent Mortgage Banks in the Game

    The status of independent mortgage banks in the residential real estate sector is long-standing and revered. Since the 1870s—says The [...]

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  • Buyer and Seller Optimism Falls Year-Over-Year
    July 24, 2019

    Delinquencies in Long-Term Decline

    According to a February report by CoreLogic, the rate of long-term delinquencies in home loans has been on a downward [...]

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  • One Florida City Where Senior Rental Numbers Grew Most Over the Past Decade
    July 23, 2019

    One Florida City Where Senior Rental Numbers Grew Most Over the Past Decade

    The demographic landscape in the United States is such that at present more than 22 percent of the total population [...]

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  • What Are the Chief Sources of Homebuyer’s Remorse?
    July 22, 2019

    What Are the Chief Sources of Homebuyer’s Remorse?

    As much as we would like to believe that everyone who gets into a home will enjoy their purchase wholeheartedly, [...]

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  • The Most Valuable Renovations in a House Flip
    July 19, 2019

    The Most Valuable Renovations in a House Flip

    When an investor chooses to flip a home to make a profit, a great deal of thought must go into [...]

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  • The Stress and Expense of Flipping
    July 18, 2019

    The Stress and Expense of Flipping

    In our previous blog, we discussed who people choose to partner with in order to make a house flip a [...]

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  • Who Do People Partner With to Flip Houses?
    July 17, 2019

    Who Do People Partner With to Flip Houses?

    If you’re interesting in flipping homes—and what potential real estate investor hasn’t at least entertained the thought?—one of the initial [...]

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  • Still More Staging Advice: Living Rooms and Closets
    July 16, 2019

    Still More Staging Advice: Living Rooms and Closets

    A home seller doesn’t need anything working against the desirability of the property they have on offer. That’s why we [...]

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  • Buyer and Seller Optimism Falls Year-Over-Year
    July 15, 2019

    Buyer and Seller Optimism Falls Year-Over-Year

    In its February National Housing Survey Monthly Indicators report, Fannie Mae revealed that its Home Purchase Sentiment Index had dropped [...]

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  • Low-Income Housing Opportunity Zones For Investors
    July 12, 2019

    Low-Income Housing “Opportunity Zones” For Investors

    The Tax Cuts and Jobs Act of 2017 contained a considerable number of changes to monetary effects of real estate [...]

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  • Refinances Rose to 35 Percent of All Loans in January
    July 11, 2019

    Refinances Rose to 35 Percent of All Loans in January

    When loan rates fall, as they did in January and as they have done in minor measure since, it is [...]

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  • Affordability of Homebuying This Spring
    July 10, 2019

    Affordability of Homebuying This Spring

    Recently The National Association of Realtors’ Chief Economist Lawrence Yun presented his outlook for the real estate economy going into [...]

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  • How A.I. May Play into Default Servicing in the Near Future
    July 09, 2019

    How A.I. May Play into Default Servicing in the Near Future

    We live in an era at the dawn of an Artificial Intelligence (A.I.) evolution. While A.I. can actually refer to [...]

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  • Freddie Mac’s New Low-Income Housing Tax Credit Fund
    July 08, 2019

    Freddie Mac’s New Low-Income Housing Tax Credit Fund

    In early March, Freddie Mac announced that it had begun a new Low-Income Housing Tax Credit (LIHTC) Fund, its fifth, [...]

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  • How Today’s Housing Stock Stacks-up Against Demographics
    July 05, 2019

    How Today’s Housing Stock Stacks-up Against Demographics

    In an exhibition from late 2018-January 2019 titled “Making Room: Housing for a Changing America,” the National Building Museum in [...]

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  • How Freddie Mac Manages Today’s Loan Risks
    July 04, 2019

    How Freddie Mac Manages Today’s Loan Risks

    In a March Q&A with DSNews, Freddie Mac’s Chief Risk Officer Donna Corley described how technology is changing the way [...]

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  • Where Renting is Cheaper Than Owning
    July 03, 2019

    Where Renting is Cheaper Than Owning

    The question of whether to buy or to rent is a perennial one among certain age-groups: particularly among younger people [...]

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  • One of Our Service Areas Among the Top 3 States For Retiring Seniors
    July 02, 2019

    One of Our Service Areas Among the Top 3 States For Retiring Seniors

    In 2017, the Baby Boomer generation passed a median age of 53. This means that a great number of that [...]

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  • How One Report Suggests Lenders Might Remain Profitable
    July 01, 2019

    How One Report Suggests Lenders Might Remain Profitable

    Stratmore, a data-driven advisory group designed to improve the real estate market for lenders and borrowers alike, released a report [...]

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  • Conventional Loans Fall in Veteran Estimation Over a Decade
    June 28, 2019

    Conventional Loans Fall in Veteran Estimation Over a Decade

    According to the Consumer Financial Protection Bureau’s quarterly consumer credit trends report released in early March, the loans that servicemembers [...]

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  • Puerto Rico’s HUD Hurricane Relief Comes With Extra Oversight
    June 27, 2019

    Puerto Rico’s HUD Hurricane Relief Comes With Extra Oversight

    In late February, the Department of Housing and Urban Development released its Puerto Rico Disaster Recovery Action Plan, declaring its [...]

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  • The Main Source of Millennial Homebuyer’s Remorse
    June 26, 2019

    Where are Homeownership Rates the Highest?

    In its April assessment of residential vacancies and homeownership through the first quarter of 2019, the US Census Bureau considered [...]

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  • The Main Source of Millennial Homebuyer’s Remorse
    June 25, 2019

    The Main Source of Millennial Homebuyer’s Remorse

    Buyer’s remorse is real. In a recent post we discussed ways to decrease the likelihood of subjecting oneself to this [...]

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  • Funding a Home Flip
    June 24, 2019

    Funding a Home Flip

    One of the common sources of residential real estate investment—on the rise once again—is the home flip. Flipping is a [...]

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  • What You Can Do to Diminish the Likelihood of Buyers’ Remorse
    June 21, 2019

    What You Can Do to Diminish the Likelihood of Buyers’ Remorse

    While the market has cooled a bit since the hot scene we saw in 2017—when high demand and low availability [...]

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  • What the Baby Boomer Generation Looks for in a Housing Market
    June 20, 2019

    What the Baby Boomer Generation Looks for in a Housing Market

    On the national stage, the Baby Boomer generation—those Americans born between 1946 and 1964—was long ago eclipsed in the housing [...]

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  • What Generation X Looks for in a Housing Market
    June 19, 2019

    What Generation X Looks for in a Housing Market

    On the national stage, Generation X was surpassed in number of mortgages by the Millennial generation back in January of [...]

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  • More Staging Advice for Sellers
    June 18, 2019

    More Staging Advice for Sellers

    We’ve presented some home staging tips in the past—particularly regarding those most-important rooms in a home for sale, the kitchen [...]

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  • Orlando Among the Cities with Highest Year-Over-Year Raise in Home Prices
    June 17, 2019

    Orlando Among the Cities with Highest Year-Over-Year Raise in Home Prices

    The First American Real House Price Index is a report designed to measure price changes among single-family properties nationwide, taking [...]

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  • Where Has Real Estate Struggled Since the Bubble Burst in 2008?
    June 14, 2019

    Where Has Real Estate Struggled Since the Bubble Burst in 2008?

    While we are all wary of a new recession—with memories of the so-called “Great Recession” that began in 2008 with [...]

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  • Higher and Lower Ends of the Housing Market See Different Paces of Price Appreciation
    June 13, 2019

    Higher and Lower Ends of the Housing Market See Different Paces of Price Appreciation

    The American Enterprise Institute released its report on the AEI Housing Market Indicators on January 28th, which is a briefing [...]

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  • What to Make of The Fed’s Statements that Growth May Slow?
    June 12, 2019

    What to Make of The Fed’s Statements that Growth May Slow?

    In a statement he made to the Senate Banking Committee on the 22nd of February, Federal Reserve Board Chairman Jerome [...]

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  • What Makes For the Most Costly Neighborhoods?
    June 11, 2019

    What Makes For the Most Costly Neighborhoods?

    In a recent report, Realtor.com examined the median prices of homes in every state in the nation to determine which [...]

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  • How are Education and Jobs Related to Area Home Prices?
    June 10, 2019

    How are Education and Jobs Related to Area Home Prices?

    To what extent is reality dependent upon perception? It’s a timeless question, and clearly context-dependent. No matter how much a [...]

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  • Mortgage Prepayments Fall to Lowest Rate in 18 Years
    June 07, 2019

    Mortgage Prepayments Fall to Lowest Rate in 18 Years

    While we have seen some decline in mortgage rates of late from what at one point appeared to be an [...]

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  • Two Cities in our Service Area Continue to See Highest-in-Nation Price Acceleration
    June 06, 2019

    Two Cities in our Service Area Continue to See Highest-in-Nation Price Acceleration

    Changes in the prices of homes have been the subject of much speculation of late, as we have seen the [...]

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  • Cities in our Service Area are Two of Three in the Nation with Rising Mortgage Delinquency Rates
    June 05, 2019

    Cities in our Service Area are Two of Three in the Nation with Rising Mortgage Delinquency Rates

    Nationwide, the real estate situation—particularly where housing is concerned—has been on a positive course overall for the past few years. [...]

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  • Examining the Tea Leaves: Is Another Recession on the Way?
    June 04, 2019

    Examining the Tea Leaves: Is Another Recession on the Way?

    According to a recent report by Realtor.com, we may see a downturn in the economy in the near future—but don’t [...]

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  • A Recent Supreme Court Decision on What Counts as a “Debt Collector”
    June 03, 2019

    A Recent Supreme Court Decision on What Counts as a “Debt Collector”

    In a unanimous decision on the case Obduskey v. McCarthy & Holthus LLP, the United States Supreme Court confirmed in [...]

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  • Blockchain’s Potential Effects on the Title Industry
    June 02, 2019

    Blockchain’s Potential Effects on the Title Industry

    A recent white paper by Premium Title discusses potential benefits to the prospect of utilizing blockchain in the real estate [...]

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  • How Is the Fed’s Pause on Rate Hikes Affecting the Housing Market?
    June 01, 2019

    How Is the Fed’s Pause on Rate Hikes Affecting the Housing Market?

    The Fed has paused its schedule of rate hikes, and this appears to be having beneficial effect on the housing [...]

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  • Existing Home Sales Hit Cyclical Low
    May 31, 2019

    Existing Home Sales Hit Cyclical Low

    There’s a good chance that we saw a cyclical low in existing home sales in January. The data in from [...]

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  • Mortgage Market Softens Even as Delinquencies Decline
    May 30, 2019

    Mortgage Market Softens Even as Delinquencies Decline

    While there has been a rise in the amount of consumer borrowing overall (rising to record-breaking levels), and while use [...]

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  • What Do Most Buyers Want in a Home?
    May 29, 2019

    What Do Most Buyers Want in a Home?

    There are numerous ways to consider what people want in a home—and where they want to live. One of these [...]

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  • Affordable Housing Programs Place Longtime Costs at Feet of Lenders
    May 28, 2019

    Affordable Housing Programs Place Longtime Costs at Feet of Lenders

    As more affordable housing is built in any given area, there will naturally be more mortgages to originate and service [...]

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  • What is Driving Growth in Rental Prices of Single-Family Homes?
    May 27, 2019

    What is Driving Growth in Rental Prices of Single-Family Homes?

    The CoreLogic Single-Family Rent Index released in February assessed the trends in single-family rental pricing over the course of 2018 [...]

    READ MORE
  • What Millennials Look for in a Housing Market
    May 24, 2019

    What Millennials Look for in a Housing Market

    Perhaps you’ve noticed that the Millennial generation is a hot topic in the market-oriented press. Many articles have declared that [...]

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  • Foreclosure Crisis Preparedness: Learning from 2008
    May 23, 2019

    Foreclosure Crisis Preparedness: Learning from 2008

    In response to the beginning of the housing crisis in 2007—when it was recognized that the number of homeowners in [...]

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  • What Buyers are Looking for in Homes in Today’s Market
    May 22, 2019

    What Buyers are Looking for in Homes in Today’s Market

    What purchasers desire in homes, on a societal scale, is remarkably subject to trend. While there are certain evergreen necessities—kitchen, [...]

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  • First Months of the Year Saw a Rise in Home Builder Confidence
    May 21, 2019

    First Months of the Year Saw a Rise in Home Builder Confidence

    On this blog and elsewhere you may have read about the decrease in home construction during the latter portion of [...]

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  • Do Fannie Mae and Freddie Mac Drive Up Multifamily Rent Prices?
    May 20, 2019

    Do Fannie Mae and Freddie Mac Drive Up Multifamily Rent Prices?

    When looking at the relative valuations of housing for purchase and for rent, there is a lot to take into [...]

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  • The Arbitration Clause in Real Estate Agreements
    May 17, 2019

    The Arbitration Clause in Real Estate Agreements

    In the course of closing on a home or commercial real estate, a lot can come at you all at [...]

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  • Staging Tips to Reduce the Likelihood of Turning Off Potential Purchasers
    May 16, 2019

    Staging Tips to Reduce the Likelihood of Turning Off Potential Purchasers

    As competition for housing continues to drop (even if not exactly precipitously), home sellers will be well-served to do everything [...]

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  • Millennials Increasing Homeownership Share
    May 15, 2019

    Millennials Increasing Homeownership Share

    While it’s unclear whether we are truly on our way to a buyer’s market or merely encountering something more like [...]

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  • Mortgage Credit Shows Signs of Loosening
    May 14, 2019

    Mortgage Credit Shows Signs of Loosening

    In early April, the Mortgage Bankers Association released their Mortgage Credit Availability Index (MCAI) showing that credit availability increased in [...]

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  • Some Loan Metrics Returning to Pre-Recession Averages
    May 13, 2019

    Some Loan Metrics Returning to Pre-Recession Averages

    The so-called Great Recession that began in 2008 has had a lasting effect on the real estate market. Now, just [...]

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  • Are Mortgage Risks on the Up-Swing?
    May 10, 2019

    Are Mortgage Risks on the Up-Swing?

    According to the recent American Enterprises Institute Housing Market Indicators Report, released on the first of April (not as a [...]

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  • Fewer New Homes Selling
    May 09, 2019

    Fewer New Homes Selling

    A major ongoing news item in the real estate world is the drop in house sales during the latter portion [...]

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  • Early 2019 Showed Signs of Mortgage Rate Stability—But Only Briefly
    May 08, 2019

    Early 2019 Showed Signs of Mortgage Rate Stability—But Only Briefly

    The mortgage rates offered by lenders displayed a relatively steady range at the start of 2019, with some ups and [...]

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  • National Rental Home Shortage Leads to Increase in Homelessness
    May 07, 2019

    National Rental Home Shortage Leads to Increase in Homelessness

    According to The 2018 Homeless Assessment Report (AHAR) to Congress, Part 1: Point-in-Time Estimates of Homelessness, released by the Department [...]

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  • The Bidding Wars Cool Down
    May 06, 2019

    The Bidding Wars Cool Down

    The top of 2019 has seen a continuation of the cooling-down of the housing market that began putting pressure on [...]

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  • The Potential Effect of New Flood Insurance Regulations on Lenders
    May 03, 2019

    The Potential Effect of New Flood Insurance Regulations on Lenders

    In a recently released statement, a number of regulatory organizations—the Federal Deposit Insurance Corporation, the Federal Reserve, the Farm Credit Administration, the [...]

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  • One of Our Service-Areas Offers Top-Ten Lowest Mortgage Rates
    May 02, 2019

    One of Our Service-Areas Offers Top-Ten Lowest Mortgage Rates

    Our clients are sometimes startled to discover how different housing markets can be from state to state and from zip [...]

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  • Here’s How the Housing Market Could Continue to Grow Sustainably
    May 01, 2019

    Here’s How the Housing Market Could Continue to Grow Sustainably

    In a report by the National Association of Realtors, it was revealed that the prices of metropolitan houses for sale [...]

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  • Could Climate Change Drive a Foreclosure Crisis?
    April 30, 2019

    Could Climate Change Drive a Foreclosure Crisis?

    When it comes to foreclosure numbers, there’s little question that in an ordinary market the greatest risk arises in the [...]

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  • Late 2018 Mortgage Originations Lowest in Four Years
    April 29, 2019

    Late 2018 Mortgage Originations Lowest in Four Years

    In Q4 of 2018, the number of mortgage originations fell from the previous quarter, according to the most recent quarterly [...]

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  • Ellie Mae Changes Ownership
    April 26, 2019

    Ellie Mae Changes Ownership

    Ellie Mae—which despite having a name remarkably similar to Fannie Mae and Freddie Mac, is not a government-sponsored entity, but [...]

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  • Does Airbnb Have an Effect on the Real Estate Market?
    April 25, 2019

    Does Airbnb Have an Effect on the Real Estate Market?

    When the peer-to-peer living-space rental service Airbnb came on the scene, some were prescient enough to recognize what a potentially [...]

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  • How Technology is Aiming to Bridge the Homeownership Divide
    April 24, 2019

    How Technology is Aiming to Bridge the Homeownership Divide

    Among workers in the mortgage industry, there is a generally acknowledged divide in homeownership, in which certain sectors of the [...]

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  • The Readiness of the Mortgage Industry in Case of Crisis
    April 23, 2019

    The Readiness of the Mortgage Industry in Case of Crisis

    We are a mere decade out from the housing crisis of 2008. Everything about the housing market is, at this [...]

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  • Will 2019 Be a Buyers’ Market?
    April 22, 2019

    Will 2019 Be a Buyers’ Market?

    It’s nearly always difficult to perfectly imagine the direction in which a market might be headed. We have benchmarks, trends, [...]

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  • The Change in Housing Affordability Year-Over-Year as of January
    April 19, 2019

    The Change in Housing Affordability Year-Over-Year as of January

    Heading into the latter portion of 2018 we saw housing inventory tick upward, which resulted in fewer offers per home [...]

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  • Why Gen-X is Reluctant to Invest in Real Estate
    April 17, 2019

    Why Gen-X is Reluctant to Invest in Real Estate

    With all of the media attention paid to the Millennial and Boomer generations these days, one could be forgiven for [...]

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  • How Does Last Year’s Housing Peak Compare to the Peak Pre-2008 Crisis?
    April 16, 2019

    How Does Last Year’s Housing Peak Compare to the Peak Pre-2008 Crisis?

    It’s a truism of the housing market—as with any market—that we will see cycles come and go. Occasionally those cycles [...]

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  • What Do Millennials Look for in a Home Loan?
    April 15, 2019

    What Do Millennials Look for in a Home Loan?

    Though they have recently become the generational group buying the highest number of homes, Millennials have faced a number of [...]

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  • Two Views of the Economic Growth, Regulatory Relief and Consumer Protection Act of 2018
    April 12, 2019

    Two Views of the Economic Growth, Regulatory Relief and Consumer Protection Act of 2018

    In May of 2018, Congress passed the Economic Growth, Regulatory Relief and Consumer Protection Act, a piece of legislation aimed [...]

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  • The Impact on the Bureau of Consumer Financial Protection on Mortgage Lending
    April 11, 2019

    The Impact on the Bureau of Consumer Financial Protection on Mortgage Lending

    The Bureau of Consumer Financial Protection (BCFP) (also known as the Consumer Financial Protection Bureau (CFPB)) initiated operations in the [...]

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  • How Did a 1992 Law Contribute to the Financial Crisis?
    April 10, 2019

    How Did a 1992 Law Contribute to the Financial Crisis?

    When the Federal Housing Enterprises Financial Safety and Soundness Act was passed in 1992, it was with the most optimistic [...]

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  • On the Rise of Senior Homeowner Wealth
    April 09, 2019

    On the Rise of Senior Homeowner Wealth

    During the course of 2018, homeowners who qualify as seniors—for our purposes, those who fall in the age range of [...]

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  • Orlando Receives the Third Highest Rate of Rent Increase in 2018
    April 08, 2019

    Orlando Receives the Third Highest Rate of Rent Increase in 2018

    As one might expect from a housing market where prices have continued to rise for the purchase of homes, rental [...]

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  • Miami Ranks Among the Most Profitable Markets for Foreclosure Investors
    April 05, 2019

    Miami Ranks Among the Most Profitable Markets for Foreclosure Investors

    It should perhaps go without saying that where foreclosure purchases are concerned, the wise investor walks a conceptual tightrope. For [...]

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  • The Homeownership Aspirations of Millennials: Renovation
    April 04, 2019

    The Homeownership Aspirations of Millennials: Renovation

    In many of our earlier posts we have discussed the phenomenon of Millennials buying homes: how, yes, they are in [...]

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  • HUD’s Recommendations During the Government Shutdown
    April 03, 2019

    HUD’s Recommendations During the Government Shutdown

    During the recent partial Federal government shutdown, a large swath of the American population found itself affected by the closure [...]

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  • How Lenders Helped Homeowners Weather the Government Shutdown
    April 02, 2019

    How Lenders Helped Homeowners Weather the Government Shutdown

    During the recent 2018-2019 partial shutdown of the Federal government, a good number of homeowners and potential homeowners were faced [...]

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  • Impact of the 2018-2019 Government Shutdown on Mortgage Lending
    April 01, 2019

    Impact of the 2018-2019 Government Shutdown on Mortgage Lending

    The government shutdown that spanned from late December 2018 into late January 2019 had many widespread effects, which are still [...]

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  • What Did High Education Costs Have to do With the Foreclosure Crisis?
    March 29, 2019

    What Did High Education Costs Have to do With the Foreclosure Crisis?

    When it comes to the financial and housing crisis of 2008 that led to what is commonly referred to as [...]

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  • What is LIBOR, and Where is it Going?
    March 28, 2019

    What is LIBOR, and Where is it Going?

    LIBOR—the London Interbank Offered Rate—is a benchmark interest rate set by some of the largest financial institutions on a daily [...]

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  • Zoning Issues for Tiny Homes
    March 27, 2019

    Zoning Issues for Tiny Homes

    The uptick in interest over tiny homes over the past decade has confounded and astounded some, but for some people—in [...]

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  • March 26, 2019

    What is an FHA Loan?

    Conventional home loans aren’t for everyone. While generally it behooves a borrower to seek out the customary route to homeownership—which [...]

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  • Why 2018 Saw a Housing Slump
    March 25, 2019

    Why 2018 Saw a Housing Slump

    One of the surprises 2018 brought to the US economy was the relative softness of the housing market, given the [...]

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  • How Homeownership Benefits Younger and First-Time Buyers
    March 22, 2019

    How Homeownership Benefits Younger and First-Time Buyers

    Considering how much has been made of the differences in how Millennials have approached their financial standing in the world [...]

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  • A City in Our Service Area is One of the Country’s Most Competitive Housing Markets
    March 21, 2019

    A City in Our Service Area is One of the Country’s Most Competitive Housing Markets

    While the housing market is going through a definite cooling period overall, there remain a number of hotbed markets where [...]

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  • Why an Increase in Higher-Risk Loans May Mean Growth for the Housing Economy
    March 20, 2019

    Why an Increase in Higher-Risk Loans May Mean Growth for the Housing Economy

    When interest rates rise, people involved in real estate begin to buzz about how this will likely to reduce the [...]

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  • The Gender Gap in Homeownership Might Not be What You Expect
    March 19, 2019

    The Gender Gap in Homeownership Might Not be What You Expect

    When one hears the phrase “gender gap,” it’s not uncommon for a scenario to practically spring to mind: a generalized [...]

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  • November 2018’s Rise in Housing Inventory
    March 18, 2019

    November 2018’s Rise in Housing Inventory

    Every market has its two sides. Depending on which side you’re on, a market may be either great for you [...]

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  • Fannie Mae’s Predictions on the Housing Market Through 2019-2020
    March 15, 2019

    Fannie Mae’s Predictions on the Housing Market Through 2019-2020

    In the  January 2019 Economic Outlook released by Fannie Mae’s Economic and Strategic Research Group (which includes its Economic Developments [...]

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  • Refinance Rates on the Rise
    March 14, 2019

    Refinance Rates on the Rise

    The latest Federal Housing Finance Agency (FHFA) Refinance Report reveals that, in concordance with the rise of interest rates in [...]

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  • How the Housing Slowdown May Help First-Time Homebuyers
    March 13, 2019

    How the Housing Slowdown May Help First-Time Homebuyers

    While for investors and the upper echelon of the housing market a cool-down in the rise of housing prices may [...]

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  • What Sorts of Homeownership Options are Available for the Self-Employed?
    March 12, 2019

    What Sorts of Homeownership Options are Available for the Self-Employed?

    In a recent report detailing the ongoing impact of the 2008 financial crisis on self-employed households, the Urban Institute uses [...]

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  • Ways to Take Title
    March 11, 2019

    Ways to Take Title

    Title in a parcel of real property is what we convey in order to pass ownership between one person (or [...]

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  • Ellie Mae’s September Millennial Tracker Shows They Still Want to Buy Homes
    March 08, 2019

    Ellie Mae’s September Millennial Tracker Shows They Still Want to Buy Homes

    Every Millennial Tracker report released by Ellie Mae in the past few months point to what appears to be a [...]

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  • What the FHFA Has in Store for Fannie Mae and Freddie Mac in 2019
    March 07, 2019

    What the FHFA Has in Store for Fannie Mae and Freddie Mac in 2019

    On December 20, 2018, the Federal Housing Finance Agency (FHFA) produced its “2019 Scorecard for Fannie Mae, Freddy Mac, and [...]

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  • More Common Issues We Find in Curing Title
    March 06, 2019

    More Common Issues We Find in Curing Title

    In an earlier post, we detailed four of the most common issues we find when we are practicing our title [...]

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  • How to Buy a House if You Can’t Afford a Down Payment
    March 05, 2019

    How to Buy a House if You Can’t Afford a Down Payment

    If there’s one unfortunate truism about the financial health of American families, it’s that, these days, a startling number of [...]

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  • The Status of American Home Equity
    March 04, 2019

    The Status of American Home Equity

    A solid benchmark for how the American housing market is performing is the wealth that the average American is able [...]

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  • What’s the Deal with “Tiny Houses?”
    March 01, 2019

    What’s the Deal with “Tiny Houses?”

    The craze has swept the nation over the past few years. Driven by images of Pinterest-perfection, their perceived “cuteness,” the [...]

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  • What is Negative Amortization?
    February 28, 2019

    What is Negative Amortization?

    From time to time a client will enter into a loan that is characterized by negative amortization. This is a [...]

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  • What is a “Balloon Payment” and When Does it Apply?
    February 27, 2019

    What is a “Balloon Payment” and When Does it Apply?

    Occasionally in residential transactions that we deal with—and more commonly in commercial property transactions—our clients encounter and/or secure balloon loans. [...]

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  • What Happens if You Buy Your First Home Before Middle Age?
    February 26, 2019

    What Happens if You Buy Your First Home Before Middle Age?

    The benefits of homeownership are legion—and its greatest payoffs accrue to those who act soonest in life to become a [...]

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  • How Does Your Credit Score Affect Your Mortgage Rate?
    February 25, 2019

    How Does Your Credit Score Affect Your Mortgage Rate?

    Much of a lender’s business is based on assessments and assumptions of risk. In order for a lender to be [...]

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  • What is a Reverse Mortgage?
    February 24, 2019

    What is a Reverse Mortgage?

    We find there is a great deal of curiosity about the concept of reverse mortgages. As a homeowner ages, and [...]

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  • Why the Current Market Situation Might Make This the Right Time to Tap into Your Home’s Equity
    February 23, 2019

    Why the Current Market Situation Might Make This the Right Time to Tap into Your Home’s Equity

    The prices homes will fetch at market may be falling on average—which is increasingly being viewed as a likely positive [...]

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  • Ways to Buffer Yourself From the Potential of Mortgage Default
    February 22, 2019

    Ways to Buffer Yourself From the Potential of Mortgage Default

    A report based on research by the JPMorgan Chase Institute, “Falling Behind: Bank Data on the Role of Income and [...]

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  • Delinquencies (For Most Markets) Recently Hit Lowest Rate in a Decade
    February 21, 2019

    Delinquencies (For Most Markets) Recently Hit Lowest Rate in a Decade

    According to a recent CoreLogic Loan Performance Insights Report, serious mortgage loan delinquencies—that is, repeated failures to make payment on [...]

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  • How Ohio is Making Home Ownership Possible for People with Student Loans
    February 20, 2019

    How Ohio is Making Home Ownership Possible for People with Student Loans

    College graduates with outstanding student loans tend to face a number of barriers to becoming homeowners—especially in today’s debt landscape, [...]

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  • What is Likely to Drive a Positive Correction in the Market in 2019
    February 19, 2019

    What is Likely to Drive a Positive Correction in the Market in 2019

    A certain softness appeared in the housing market during the latter portion of 2018, and chances are that it will [...]

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  • The Rise of Digital Closings
    February 18, 2019

    The Rise of Digital Closings

    One of our service areas—Massachusetts—has joined fourteen other states in permitting its counties to utilize a new sort of notary [...]

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  • How Are Judicial Foreclosures Beneficial to Borrowers?
    February 15, 2019

    How Are Judicial Foreclosures Beneficial to Borrowers?

    Foreclosure is not a word one regularly considers when pondering positives for borrowers in real estate. Yet there are a [...]

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  • How Dodd-Frank Provisions Affect Appraisal Management Companies (AMCs)
    February 14, 2019

    How Dodd-Frank Provisions Affect Appraisal Management Companies (AMCs)

    When the Dodd-Frank Wall Street Reform and Consumer Protection Act (known colloquially as Dodd-Frank) was passed in the wake of [...]

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  • Some of the Most Common Issues We Find in Curing Title
    February 13, 2019

    Some of the Most Common Issues We Find in Curing Title

    In our business, there may arise any number of issues with the title to a parcel of real estate. The [...]

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  • Real Estate Investment: Flipping Houses
    February 12, 2019

    Real Estate Investment: Flipping Houses

    The concept of flipping houses—purchasing a home at a relative discount, performing a number of material enhancements or repairs, and [...]

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  • What the Fed Has to Say About Home Ownership
    February 11, 2019

    What the Fed Has to Say About Home Ownership

    In a May report entitled “Report of the Economic Well-Being of U.S. Households in 2017,” the Federal Reserve Board (also [...]

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  • The State of Florida’s Housing Market
    February 08, 2019

    The State of Florida’s Housing Market

    Florida tends to be a slight contradiction where real estate considerations are concerned. As mentioned in a prior post, a [...]

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  • Some Ways to Save Up for a New Home
    February 07, 2019

    Some Ways to Save Up for a New Home

    Anyone looking to buy a new home should know that they will need to put some money down in order [...]

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  • On Tapping Home Equity
    February 06, 2019

    On Tapping Home Equity

    A home’s equity—the difference between what its owner owes and what the home is worth on the market—is often considered [...]

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  • The “Bilbao Effect’s” Influence on Home Ownership
    February 05, 2019

    The “Bilbao Effect’s” Influence on Home Ownership

    When now-famous architect Frank Gehry designed the Guggenheim Museum in Bilbao, Spain—which opened in 1997—he generated more than just a [...]

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  • Land Surveys—the What, Where, When, and Sometimes Why
    February 04, 2019

    Land Surveys—the What, Where, When, and Sometimes Why

    The What: Land surveys are representations that define the legal boundaries and features of a property in graphic fashion, similar [...]

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  • Several of Our Client Markets Make a List of Cities in Which Millennials Can Afford to Buy a Home
    February 01, 2019

    Several of Our Client Markets Make a List of Cities in Which Millennials Can Afford to Buy a Home

    One of the more spurious stereotypes about Millennials would have us believe that this large and mighty group of economic [...]

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  • REI: What is a “Bridge Loan?”
    January 31, 2019

    REI: What is a “Bridge Loan?”

    It is uncommon for bridge loans to be used in the residential real estate industry, especially in the years since [...]

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  • A Trend on the Rise: “Granny Pads”
    January 30, 2019

    A Trend on the Rise: “Granny Pads”

    While Baby Boomers are not on average looking to downsize their living arrangements, one must take into account that the [...]

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  • What is a Reverse Mortgage?
    January 29, 2019

    What is a Reverse Mortgage?

    As homeowners age, they find they have paid down a great deal of the principal on their home, and eventually [...]

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  • How Retiring Baby Boomers are Approaching Homeownership
    January 28, 2019

    How Retiring Baby Boomers are Approaching Homeownership

    There’s a perception among the younger set that, as Baby Boomers age, they will naturally want to downsize from the [...]

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  • How Higher Mortgage Rates are Likely to Affect the Market—In the Short and Long Terms
    January 25, 2019

    How Higher Mortgage Rates are Likely to Affect the Market—In the Short and Long Terms

    An abundance of flawed assumptions seem to beset those who are unfamiliar with the real estate market. One of the [...]

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  • How Area Noise has Been Shown to Affect Home Valuations
    January 24, 2019

    How Area Noise Has Been Shown to Affect Home Valuations

    From time to time we encounter a client who has bought, or is considering buying, a home in an otherwise [...]

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  • Debt-to-Income (DTI) Ratio: What it is and How it May Affect You
    January 23, 2019

    Debt-to-Income (DTI) Ratio: What it is and How it May Affect You

    When it comes to obtaining a loan for the purpose of purchasing a property, a lender naturally needs ways by [...]

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  • Hurricanes Cause an Increased Rate of Home Repair and Maintenance
    January 22, 2019

    Hurricanes Cause an Increased Rate of Home Repair and Maintenance

    When our communities are forced into a stare-down with the eye of a hurricane—such as 2018’s hurricanes Florence and Michael, [...]

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  • Which Zone of Housing is Most Costly For Homeowners?
    January 21, 2019

    Which Zone of Housing is Most Costly For Homeowners?

    Zoning ordinances are a standard feature of American real estate markets. These are sets of laws that set aside for [...]

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  • Home Appraisals—How They Affect, and Reflect, the Market
    January 18, 2019

    Home Appraisals—How They Affect, and Reflect, the Market

    The home appraisal is a valuable tool used by lenders to determine the amount of money they are willing to [...]

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  • Where Property Values are Expected to Rise
    January 17, 2019

    Where Property Values are Expected to Rise

    Even despite the perception of a slowdown in the rise of prices of homes across the nation, there are always [...]

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  • How Do the Hearty Economy and the Labor Shortage Affect Home-Ownership?
    January 16, 2019

    How Do the Hearty Economy and the Labor Shortage Affect Home-Ownership?

    We at Topouzis & Associates, P.C., keep a keen eye on the vicissitudes of the economy and the housing market. [...]

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  • What Is Today’s Middle-Class—and Where Do They Find Housing?
    January 15, 2019

    What Is Today’s Middle-Class—and Where Do They Find Housing?

    An early-October report by the Brookings Institute examined 382 metropolitan areas in order to take stock of the size of [...]

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  • How a Housing Foreclosure Crisis Can Re-arrange the Housing Landscape
    January 14, 2019

    How a Housing Foreclosure Crisis Can Re-arrange the Housing Landscape

    A housing foreclosure crisis is a seismic economic event. When many people are losing their homes to foreclosure, it means [...]

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  • What Does The Increasingly Limited House Inventory Mean for First-Time Homebuyers?
    January 11, 2019

    What Does The Increasingly Limited House Inventory Mean for First-Time Homebuyers?

    The news media has been flush of late with concern about the housing market. The concern, stemming from the natural [...]

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  • Fannie Mae, Freddy Mac … What do These Names Refer To?
    January 10, 2019

    Fannie Mae, Freddy Mac … What do These Names Refer To?

    If someone pays even a cursory level of attention to news about real estate, they hear the names Fannie Mae [...]

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  • Standing Solutions for Victims of Hurricane Michael from Fannie Mae and Freddie Mac
    January 09, 2019

    Standing Solutions for Victims of Hurricane Michael from Fannie Mae and Freddie Mac

    When Hurricane Michael slammed into our Florida service area, the good people of this great state were subjected to the [...]

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  • Should Americans be Worried About the Recent Slowdown in House Sales?
    January 08, 2019

    Should Americans be Worried About the Recent Slowdown in House Sales?

    Things were hot for a minute there. Home sales were rising over the past couple years, as people looked to [...]

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  • What Sort of Attitude Benefits a Prospective Home-buyer in the Process?
    January 07, 2019

    What Sort of Attitude Benefits a Prospective Home-Buyer in the Process?

    When someone is considering getting into the market to purchase a home, we believe it is worth taking stock of [...]

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  • What Does “Subprime” Mean?
    January 04, 2019

    What Does “Subprime” Mean?

    If there is one negative phrase most closely associated with the so-called “Great Recession,” it must certainly be “subprime mortgages.” [...]

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  • The Dismay of Delay—Reasons Your Closing Might Get Postponed
    January 03, 2019

    The Dismay of Delay—Reasons A Closing Might Get Postponed

    If there’s one consistency through every type of real estate transaction, it’s that everybody on either side of the transaction [...]

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  • Issues That We Sometimes Encounter in Curing Title
    January 02, 2019

    Issues That We Sometimes Encounter in Curing Title

    Those who are unfamiliar with the real estate business can be blissfully unaware of the complications that tend to arise [...]

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  • Buying at Arm’s Length
    January 01, 2019

    Buying at Arm’s Length

    When it comes to real estate transactions, it is essential—and only lawful—to buy and sell at arm’s length. This is a [...]

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  • Does it Ever Make Sense to Buy Condemned Property?
    December 31, 2018

    Does it Ever Make Sense to Buy Condemned Property?

    The prospect of purchasing a condemned property comes up from time to time in our discussions with clients. We tell [...]

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  • Contingency in the Real Estate Buying Process
    December 28, 2018

    Contingency in the Real Estate Buying Process

    Every real estate purchase is made with the involvement of a real estate contract, also known in residential real estate [...]

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  • When a Real Estate Contract Becomes Binding
    December 27, 2018

    When a Real Estate Contract Becomes Binding

    At Topouzis & Associates, P.C., we understand that, for many potential parties to a real estate transaction, the nature of [...]

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  • The Mortgage Commitment Letter—and its Expiration Date
    December 26, 2018

    The Mortgage Commitment Letter—and its Expiration Date

    There are a number of steps to the real estate transaction process, which end with closing, which is where we [...]

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  • To Buy or Not to Buy: For Sale By Owner?
    December 25, 2018

    To Buy or Not to Buy: For Sale By Owner?

    In the hunt for a home it is not uncommon for potential buyers to encounter a home that is for [...]

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  • Paying the Real Estate Agent—Whose Responsibility is It?
    December 24, 2018

    Paying the Real Estate Agent—Whose Responsibility is It?

    Real estate agents in all three of the markets we serve—Rhode Island, Massachusetts, and Florida—mention from time to time how [...]

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  • Whether or Not to Buy a Fixer-Upper Property
    December 21, 2018

    Whether or Not to Buy a Fixer-Upper Property

    There are among the prospective buying set a certain subset of individuals who consider themselves handyman deal-hunters—those who will make [...]

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  • Where Prospective Buyers Sometimes Get it Wrong
    December 20, 2018

    Where Prospective Buyers Sometimes Get it Wrong

    Every real estate transaction is in some ways unique—as unique as the personalities of the buyers and sellers—but there are [...]

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  • Getting Familiar with the Real Estate Purchase Agreement
    December 19, 2018

    Getting Familiar with the Real Estate Purchase Agreement

    In every residential real estate transaction, before the parties can close they must enter into a real estate purchase agreement [...]

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  • Costs to Buy a Home Beyond the Down Payment—and Why They are Necessary
    December 18, 2018

    Costs to Buy a Home Beyond the Down Payment—and Why They Are Necessary

    Prospective homebuyers are sometimes surprised by the costs and fees that must be paid in addition to the down payment [...]

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  • Considering the Investors-Only Short Sale
    December 17, 2018

    Considering the Investors-Only Short Sale

    Occasionally one will encounter a listing labeled an “investors-only” short sale. This can at times turn prospective home-buyers away, believing [...]

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  • What are Short Sales and How do They Affect Title?
    December 14, 2018

    What are Short Sales and How do They Affect Title?

    When a home goes through a short sale, it generally indicates hardship for those on the selling end of the [...]

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  • What Are Some Potential Delays to the Mortgage Closing Process?
    December 13, 2018

    What Are Some Potential Delays to the Mortgage Closing Process?

    While it does take some time to close on a home under even standard circumstance.s—a scenario that we described in [...]

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  • How Long Does it Take to Close on a Home?
    December 12, 2018

    How Long Does it Take to Close on a Home?

    We professionals and others experienced in the real estate industry know what those new to the experience sometimes find surprising: [...]

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  • Considerations When Looking to Buy in Suburbs vs. Exurbs
    December 11, 2018

    Considerations When Looking to Buy in Suburbs vs. Exurbs

    Every level of proximity to a major urban area has its share of benefits and drawbacks. The urban milieu offers [...]

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  • The Documents You Should Hold On to After Closing
    December 10, 2018

    The Documents You Should Hold On to After Closing

    Even though the law requires closing companies to retain a copy of all the documents produced for closing, it’s a [...]

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  • How Sellers Make Sense of Home Profitability
    December 07, 2018

    How Sellers Make Sense of Home Profitability

    Where making a profit from the sale of a home is concerned, much relies on the housing market—both on the [...]

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  • How to Make the Most of Your Prospective Home Inspection
    December 06, 2018

    How to Make the Most of Your Prospective Home Inspection

    The home inspection is a vital stage in the process on the way to closing a home. Prospective buyers will [...]

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  • Active vs. Passive: Modes of Real Estate Investment
    December 05, 2018

    Active vs. Passive: Modes of Real Estate Investment

    Real estate investors come in two types: those who like to be intricately involved in the minutiae of their investments, [...]

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  • The Three Ways to Make Money by Investing in Real Estate
    December 04, 2018

    The Three Ways to Make Money by Investing in Real Estate

    Real estate is a valuable and fairly reliable means by which to increase one’s wealth through investment—the occasional market hiccup [...]

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  • The Three Types of Property in Real Estate Investment
    December 03, 2018

    The Three Types of Property in Real Estate Investment

    A number of questions come up when someone is becoming interested in investing in real estate—whether they’re looking to buy [...]

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  • When a Property Disclosure Statement Reveals Negative Information
    November 30, 2018

    When a Property Disclosure Statement Reveals Negative Information

      From time to time we close a sale in which the Property Disclosure Statement—on which sellers are required to reveal [...]

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  • What the Real Estate Settlement Procedures Act (RESPA) Means for the Home-Buyer
    November 29, 2018

    What the Real Estate Settlement Procedures Act (RESPA) Means for the Home-Buyer

    We in the real estate business know that there was a time when the real estate market was not entirely [...]

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  • Just a Stack of Paper?—What is an Abstract of Title?
    November 27, 2018

    Just a Stack of Paper?—What is an Abstract of Title?

    One of the many services we offer is the production of an Abstract of Title. Many clients find themselves curious [...]

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  • The Property Disclosure Statement: What to Look Out For
    November 26, 2018

    The Property Disclosure Statement: What to Look Out For

    Whether in Rhode Island, Massachusetts, or Florida, when someone is looking to buy a home they go through a number [...]

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  • Millennials Are Buying Homes—But Why Are Their Numbers Relatively Low for Their Ages?
    November 23, 2018

    Millennials Are Buying Homes—But Why Are Their Numbers Relatively Low for Their Ages?

    We’ve mentioned it before, and it’s worth mentioning again: contrary to the odd stereotypes attached to them, Americans of the [...]

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  • Raising Your Credit Score to Lock In a Good Interest Rate for Your First Mortgage
    November 22, 2018

    Raising Your Credit Score to Lock In a Good Interest Rate for Your First Mortgage

    It may be the most well-known fact of property lending that the rates at which lenders are willing to lock [...]

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  • The Confusion Over “Deed” and “Title”
    November 21, 2018

    The Confusion Over “Deed” and “Title”

    We have found, through the years, that there is considerable confusion on the part of both buyers and sellers of [...]

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  • Common Contingencies on the Way to Closing on a Home
    November 20, 2018

    Common Contingencies on the Way to Closing on a Home

    A purchase agreement on a home may at times require certain contingencies be made. Contingencies in this context are certain [...]

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  • Some Considerations Before Deciding to Buy a First Home
    November 19, 2018

    Some Considerations Before Deciding to Buy a First Home

    The prospect of home ownership can be exciting. As compared to renting, purchasing a home means a person is going [...]

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  • How the Industry Decreases Defect Risk Using Technology
    November 16, 2018

    How the Industry Decreases Defect Risk Using Technology

    The title search, title insurance, and mortgage manufacturing and underwriting industries are, like every other aspect of American life, in [...]

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  • The Recent Rise in New Home Sales
    November 15, 2018

    The Recent Rise in New Home Sales

    While we’ve seen a recent relative drop in prices and demand for homes, the fact remains that the demand for [...]

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  • Rhode Island’s Decision to Extend Homeowner Foreclosure Protections
    November 14, 2018

    Rhode Island’s Decision to Extend Homeowner Foreclosure Protections

    In the wake of 2010’s mortgage foreclosure crisis, Rhode Island—whose previous regulations had been fairly lenient toward lenders with regard [...]

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  • What the HUD Florida Disaster Plan for Victims of Irma May Mean for You
    November 13, 2018

    What the HUD Florida Disaster Plan for Victims of Irma May Mean for You

    At Topouzis & Associates, P.C., we proudly serve customers in the Florida market who are seeking title search services for [...]

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  • The Link Between Student Loan Debt Payoff and Home Purchasing
    November 12, 2018

    The Link Between Student Loan Debt Payoff and Home Purchasing

    We imagine that to our readers it will come as little surprise to learn—given the ever-increasing cost of higher education [...]

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  • Trends in Home-buying: Are Millennials Getting in the Market?
    November 09, 2018

    Trends in Home-buying: Are Millennials Getting in the Market?

    It’s easy to fall susceptible to some of the mis-information floating around about the “Millennial” generation. It’s remarkable just how [...]

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  • “Who is This Guy?”: The Role of the Closing Attorney
    November 08, 2018

    “Who is This Guy?”: The Role of the Closing Attorney

    While we would like to believe that the attorney’s role in the home-buying process is common knowledge, it’s clear that [...]

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  • Ways Buyers Can Avoid Remorse in a Low Inventory Market
    November 07, 2018

    Ways Buyers Can Avoid Remorse in a Low Inventory Market

    Any time we enter a seller’s market, the amount of buyer’s remorse goes on the rise—particularly with regards to the [...]

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  • Why Summer is Primetime for REO Sales
    November 06, 2018

    Why Summer is Primetime for REO Sales

    Part of the REO game is making sales as quickly as possible, in order to reduce the amount of lost [...]

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  • Fed Raising Interest Rates Means Higher Bar for Obtaining Mortgages
    November 05, 2018

    Fed Raising Interest Rates Means Higher Bar for Obtaining Mortgages

    On the 26th of September, the Federal Reserve moved to raise the target range for the federal funds rate from [...]

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  • What Prospective Parents May Not Know to Look for in a Home
    November 02, 2018

    What Prospective Parents May Not Know to Look for in a Home

    We often find that among first-time home buyers—that grand cohort that accounted for 46% of mortgages in the first quarter [...]

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  • Listing Prices Begin to Fall as Buyers’ Fatigue Sets In, But Single-Family Construction Permits are Down
    November 01, 2018

    Listing Prices Begin to Fall as Buyers’ Fatigue Sets In, But Single-Family Construction Permits are Down

    It seems as though the market’s price-rise may be cooling off at last. In July and August, the prices at [...]

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  • Here Today, Gone Tomorrow: Peabody, Massachusetts Makes Realtor.com’s Hottest Markets of 2018
    October 31, 2018

    Here Today, Gone Tomorrow: Peabody, Massachusetts Makes Realtor.com’s Hottest Markets of 2018

    Each year, Realtor.com’s team of economics analysts pores over the housing market data gathered from throughout the United States and, [...]

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  • What a Recent Michigan Home Foreclosure Case May Mean for You
    October 29, 2018

    What a Recent Michigan Home Foreclosure Case May Mean for You

    In July, a two-year-old case in Michigan, Morningside Community Organization, et al, v. Eric Sabree, et al, went into settlement, [...]

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  • “Zombie” Homes: What They Are and Issues to Consider
    October 26, 2018

    “Zombie” Homes: What They Are and Issues to Consider

    Where the process of foreclosure on a home—and the prospective change in title ownership that goes with it—are concerned, there [...]

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  • The Current Status of Homeowner Demand
    October 24, 2018

    The Current Status of Homeowner Demand

    It would seem that there are reasons for both hope and concern in the most recent data on the state [...]

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  • Why Americans Prefer to Buy Suburban Homes (For Now)
    October 22, 2018

    Why Americans Prefer to Buy Suburban Homes (For Now)

    The number of factors that go into the desirability of certain kinds of home-ownership are legion. Americans are a striving [...]

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  • Land Recording or Land Registration—Which Applies to My Property?
    October 17, 2018

    Land Recording or Land Registration—Which Applies to My Property?

    There are two different types of “property title systems” that apply in the United States. I deal with both of [...]

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  • A Brief History of Title Insurance
    October 10, 2018

    A Brief History of Title Insurance in the United States

    I’m the sort of guy who likes to know how and why things work the way they do. So I [...]

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  • How does a title search ensure clear title?
    October 03, 2018

    How Does a Title Search Ensure Clear Title?

    I understand why clients ask me, “So what do you do, exactly?” I work in a very specific area of property, [...]

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  • What’s the Worst that Could Happen?—Hazards of Not Getting Title Insurance
    September 27, 2018

    What’s the Worst that Could Happen?—Hazards of Not Getting Title Insurance

    When a client considers going without an Owner’s Policy of title insurance, it almost makes my hair curl. Life is [...]

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  • How To Get Title Insurance
    September 19, 2018

    How To Get Title Insurance

    In my years of dealing in real estate transactions, one thing has become clear: when you’re looking to buy a [...]

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  • What Does an Owner’s Policy of Title Insurance Cover?
    September 12, 2018

    What Does an Owner’s Policy of Title Insurance Cover?

    I always recommend to purchasers of a home or other property that they be sure to get themselves an Owner’s [...]

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  • What is the Difference Between Lender’s Title Insurance and Owner’s Title Insurance Policies?
    September 05, 2018

    What is the Difference Between Lender’s Title Insurance and Owner’s Title Insurance Policies?

    In the world of real estate closings, I regularly deal with two different types of title insurance: Lender’s Title Insurance [...]

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  • Why Does a Home-Buyer Need Title Insurance?
    August 28, 2018

    Why Does a Home-Buyer Need Title Insurance?

    In last week’s post I discussed how title insurance is designed to protect a home-buyer from events that transpired in [...]

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  • How is Title Insurance Different from Other Forms of Insurance
    August 21, 2018

    How is Title Insurance Different from Other Forms of Insurance?

    Sometimes when we’re discussing the necessity for title insurance, I’ll have a client question its utility. This question often comes [...]

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  • What is Title Insurance?
    August 14, 2018

    What is Title Insurance?—The Basics

    I often find that, especially among new home-buyers, there is some confusion about exactly what title insurance is. It’s a [...]

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  • single-family homes
    November 14, 2017

    Price of Single-Family Homes in Rhode Island on Rise

    The median sales price of single-family homes in Rhode Island for September rose by 13.1% over the same month last [...]

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  • home flipping
    October 25, 2017

    Tampa Ranks as 6th Top City for Home Flipping

    A new report by WalletHub ranks the best and worst cities for flipping houses in the U.S., and Tampa made [...]

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  • single-family homes
    September 27, 2017

    The Median Price of Single-Family Homes in MA Tops $400k

    The median sales price of single-family homes in Massachusetts rose above $400k this summer for the first time, with some [...]

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  • home
    September 18, 2017

    Does $2 Million+ Buy a Better Home in Florida or Rhode Island?

    A recent article in the New York Times compared how much house you could get for around $2.4 million in [...]

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  • homebuyers
    August 30, 2017

    Homebuyers Turning to Smaller Cities for Affordable Homes

    More homebuyers are leaving the largest, most expensive cities to seek out affordable housing in mid-tier cities, according to a [...]

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  • topouzis associates
    August 07, 2017

    Welcome to the new Topouzis & Associates, P.C. Website!

    Topouzis & Associates, P.C. is pleased to announce the launch of its new user-friendly website featuring a modern, responsive design [...]

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  • July 31, 2017

    Why work with a law firm instead of a title company?

    In many, but not all, states, both attorneys and title companies may act as closing agents and issue title insurance. [...]

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  • real estate - Topouzis Law Firm
    July 17, 2017

    Why Tech is the Future of Real Estate

    Nav Athwal reported in Forbes on #NewTech in real estate in his article, “Predicting the 2017 Winners in Real Estate [...]

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  • real estate
    June 30, 2017

    10 Biggest Real Estate Comeback Cities in the U.S.

    If you’re a real estate investor, your job is all about knowing the state of this or that housing market. [...]

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