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Class Valuation acquires reverse-focused AMC Landmark Network

Landmark Network, a reverse mortgage appraisal management company, has been acquired by nationwide AMC Class Valuation, which recently changed its name from Class Appraisal. “Landmark is a leader in a market that we expect to grow as Baby Boome...

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11862

Remortgage market at ten year high – but it’s not just Brexit

UK Finance data shows that UK remortgaging has reached it’s highest level in almost a decade. Mortgage experts suggest that uncertainty caused by Brexit has encouraged homeowners to seek financial security and remortgage sooner rather than later. I...

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11855

CoreLogic finalizes HomeVisit acquisition

Financial terms of deal not disclosed. Property information and analytics solutions provider CoreLogic has finalized its acquisition of HomeVisit, the company announced Monday. CoreLogic acquired the real estate services provider from Breakaway Holdi...

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11843

Could end of Severn bridge tolls fuel south Wales property boom?

Tolls on the Severn bridge crossings between Wales and England have been scrapped, but will the move have any effect on the property market in the area? Drivers no longer have to pay on the M4 and M48 bridges as of 17 December 2018. The cost of a car...

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11841

Do Buyers Need To Have A 20% Down Payment?

There’s a fairly common misconception among prospective home buyers that they’ll need a 20 percent down payment before they can buy a house. This, of course, isn’t true. It’s recommended since it’ll help you avoid paying mortgage insurance,...

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11839

Rightmove and Your Move figures show 2018 ending with slowdown

A second fall in the price of houses coming to market in as many months means asking prices are nearly £10,000 lower than two months ago, according to new data. Rightmove’s latest House Price Index reveals that there was a fall of 1.5% in the mont...

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11837

Many children flying back to the nest to help save

The struggles of young adults trying to save for a first home or being unable to afford rent has seen as many as 2.5million return to live with their parents, a new survey has revealed. And many parents see their children move back home with a partne...

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11835

What kind of real estate appreciation will the fourth largest MSA see?

In 1971, with construction of the Dallas-Ft. Worth Regional Airport underway, the North Texas Commission, a consortium of businessmen, hired three advertising agencies to suggest a market makeover to attract residents and businesses after the airport...

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11824

Regions lead the way in promising rental picture, says report

Rents in Leeds, Birmingham and Manchester are rising at above the national average while young people are leaving London in swathes due to rising housing and living costs, a new survey has revealed. Landbay’s National Rent Review shows that rents i...

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11822

The Rising Share Of Single Women Home Buyers

Traditionally, homeownership has been seen as part of settling down. Getting married and starting a family went hand-in-hand with buying a home and planting roots in a community. But though they’re still common motivating factors, marriage and chil...

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11820

Top seven recent stories in housing and property investment: 14 December

Here’s our round-up of some of the best stories that we’ve posted on Buy Association.co.uk recently. More Brexit-related housing data, regional variations on other research and reports, a look into the crystal ball for 2019, backing for revivin...

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11818

Build-to-rent can play important role for Generation Rent

With Generation Rent continuing to live up to its name, the rental sector, including build-to-rent, needs to keep up with demand. For a long time, renting was seen as a forced living situation. However, nowadays it’s becoming more popular as a life...

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11816

How to Make Your Rental Property Desirable to Tenants

As the global renting business continues to grow, landlords face an ever-increasing competition. Every day a property spends on the market, they are losing rental income. But there are simple fixes that can make a property more appealing to prospecti...

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11804

Manchester: So much to be positive about

Manchester’s property outlook is set to remain positive following new data indicating that the city’s economic prospects are bright. The Annual Economic Forecast from EY predicts that employment in Manchester will grow at 1.2% between 2018 and 20...

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11802

Mortgage Rate Decline Is Biggest In A Year

According to the Mortgage Bankers Association’s Weekly Applications Survey, average mortgage rates fell last week across all loan categories, including 30-year fixed-rate loans with both conforming and jumbo balances, loans backed by the Federal Ho...

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11800

Brexit caution behind fall in new home seekers says RICS report

Brexit and the uncertain economic outlook lay behind a fall in in numbers of people looking for a new home in November, according to the Royal Institute of Chartered Surveyors’ (RICS) latest statistics. The number of new enquiries fell by 21% last ...

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11798

Mortgage lenders relax criteria with increasing income multiples

Barclays is the latest mortgage provider to shake up their borrowing criteria to lend up to five times a customer’s income. Where previously they had to be earning at least £45,000 to qualify for higher borrowing levels, borrowers with an income o...

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11796

Former Accenture exec Michael Detwiler named Class Valuation CEO

Class Valuation has named Michael Detwiler CEO. The news comes just one week after the Michigan-based appraisal management company announced that it was changing its name from Class Appraisal. The move is part of the company’s rebrand to expand i...

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11781

TransUnion: Homeowners will start tapping into their equity in 2019

Mortgage originations are falling and will continue to do so in 2019, but rising home prices could cause an increase in homeowners seeking to tap into their equity, according to the 2019 consumer credit forecast from TransUnion. TransUnion forecasted...

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11780

Experts say buyers want slick design but less technology in 2019

Property experts are predicting that technology will be a key trend in 2019. But the shared view is that buyers will want less complicated home technology in favour of a slick simplified version, that reflects a slick design to suit their lifestyle. ...

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11778

Lagging Construction Creates Issues For Buyers

If you compare the number of people who want to buy homes to the number of homes available to buy, you can get a pretty good sense of where the housing market is headed. For example, a new analysis from Freddie Mac shows that there were 90 million Am...

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11776

North and Midlands asking prices rise while London and south-east slump

House prices in the West Midlands, Yorkshire and the north-west of England continued to rise while those in the south-east and London slumped again, according to new figures. The Asking Price Index from Home.co.uk returned strong year-on-year data fr...

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11774

Locked in for a decade – buy-to-let investors explore long-term fixed rates

Traditionally landlords have sought flexibility and portability in a mortgage product, but now long-term financial security is increasingly appealing. Mortgage rates for new investors and those seeking to remortgage have rarely been cheaper than they...

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11772

Millennials most in need of education on shared ownership

New research has flagged up that a surprising number of young people are not aware of shared ownership as a way of getting onto the property ladder. A survey by the Leeds Building Society (LBS) says that 40% of 18 to 24-year olds have never heard of ...

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11761

Rising Rates Haven’t Slowed Millennial Buyers

When mortgage rates started to trend upward earlier this year, a lot of the focus turned to how it would affect first-time home buyers. Because they have their own unique set of challenges, first-time buyers were expected to be hit harder by increasi...

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11759

Which are the UK areas where it’s better to buy than rent?

To buy? To rent? Choosing one over the other is a perennial dilemma, but new figures from Zoopla are showing areas of the UK where the differences between having a mortgage or going onto a rental agreement are the most marked. When it comes to rentin...

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11757

Growing young populations will influence UK property hotspots in 2019

Specialist property investor Surrenden Invest has taken data produced by the Office of National Statistics and Zoopla to do some number crunching to gauge what 2019 holds for the housing market.  Strong market touchstones will remain in place after ...

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11755

Birmingham set for exciting future

It’s an exciting time to invest in Birmingham. With major businesses having already moved in, long-term infrastructure, transport and communications projects are set to improve life in the area in the long term and ensure that this youthful, vibran...

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11740

Optimism About Income Helps Housing Sentiment

For a while now, there’s been a balance between the feeling that buying a home is becoming less affordable and the perception that the economy is getting stronger. Americans are concerned about rising home prices and mortgage rates but, at the same...

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11737

Move to high street living backed by property industry, says survey

The property scene is excited by the prospect of more high streets in the UK becoming places to live, according to a new survey. Just a few weeks after the government announced that its Future High Streets Fund would be armed with £675m to look at r...

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11735

Transparency is a welcome change for conveyancing process

Conveyancing costs must now be published in detail by law firms, making it easier for homebuyers to shop around. From 6 December, regulated law firms must list the total price of their conveyancing services, the reason for the charges, the specific s...

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11733

Average student rents top £6k per year

A new survey has revealed that average annual rents for students rose by six per cent in 2018/19, and that the popularity of studio flats with those at university has shown a huge increase in recent years. Overall, renting accommodation costs a stude...

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11721

Why You Need To Make A List Before Buying

There’s a lot to consider when shopping for a house to buy. Not only do you have to think about the type of home you’d like and what features and amenities you’d like it to have but you’ll also have to select a neighborhood that fits well wit...

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11717

Top seven recent stories in housing and property investment: 7 December

Here’s our round-up of some of the best stories that we’ve posted on Buy Association.co.uk recently. Flat house prices to end the year, predictions for 2019, technology advances, and much more… 1. Halifax data shows house price growth at low...

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11719

Halifax data shows house price growth at lowest rate since 2012

New data from the Halifax shows that house prices in the year to November rose by just 0.3%, the lowest rate of growth since December 2012. The figures show a marked slowdown from September and October, when growth stood at 2.5% and 1.5% respectively...

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11715

Three out of four first-time buyers benefit from stamp duty relief

Since the Stamp Duty Land Tax relief started in November 2017, 180,500 first-time buyers have saved a collective of £426 million. HMRC recently released statistics for the third quarter of the year, which shows the majority of first-time homebuyers...

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11708

Propertymark figures show homebuyers are still in the market

Propertymark has released its 2018 sales analysis showing homebuyers are still in the market. According to NAEA and ARLA Propertymark’s data analysis across the UK in 2018, the number of first-time buyers has reduced slightly. However, the number o...

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11702

Mortgage Rates Fall For 3rd Consecutive Week

According to the Mortgage Bankers Association’s Weekly Applications Survey, average mortgage rates were down last week from the previous week. It marks the third consecutive week of declines. But though rates fell, there wasn’t a corresponding ju...

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11700

Record low mortgage rates for first-time buyers

Mortgage rates for first-time buyers are at their lowest level since mortgage records began in 1995, according to the Bank of England. Latest figures show that the interest rates on two and five-year deals have fallen to a 23-year low. Uncertainty ov...

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11698

Property sector set to take a technology to a new level

Estate agents, Strutt and Parker predict that eight new property technologies will transform the sector over the next decade. As part of its recent ‘Housing Futures; New Horizons’ report, Strutt & Parker includes Holoportation as an emerging...

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11696

How will this Midwest MSA fare in the next 12 months?

The latest predictions on real estate appreciation in the Omaha-Council Bluffs MSA. Among the 358 Metropolitan Statistical Areas in the latest VeroFORECAST from Veros Real Estate Solutions, the Omaha-Council Bluffs MSA is one of those that straddle a...

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11679

Class Appraisal changes name to Class Valuation

AMC rebrands to become full-service collateral valuation provider. Class Appraisal, a Michigan-based appraisal management company, has announced that it’s changing its name to Class Valuation to better describe its expanded focus. The company said ...

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11678

OCC seeks public comment on raising appraisal exemption threshold

Would be first increase since 1994. The three federal banking agencies announced they are seeking public comment on a recent proposal to raise the threshold for residential real estate transactions that require an appraisal. The Board of Governors of...

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11677

Rents rise along Crossrail route

The effect of the long-planned Crossrail link through London that is nearing completion has been seen in a rise in rents near to the line, research has shown. Analysis from Landbay of the areas near the 38 stations on the route that are outside of Lo...

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11675

What Home Buyers Want Most In 2019

Home design trends can be fleeting. This year’s hot color combination will be old news before you know it. So, unless you want to paint your home every six months, you’re better off choosing your home’s décor based on the things you love rathe...

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11671

New homes numbers in England still on the rise

Homes England recently published its official housing statistics showing the figures behind the building projects the organisation has managed during the first six months of the 2018-19 financial year. Projects managed by Homes England finished 15,70...

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11673

Limited company buy-to-let mortgage sector set for growth

As landlords move their portfolios to a company structure, buy to let company mortgages have more than doubled over the past two years. Despite the trend in the buy-to-let sector for landlords to move into operating their buy-to-let (BTL) business as...

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11667

Liverpool on the up – reasons to look towards the Mersey

Liverpool is well placed to build on recent good news for its property scene in the years to come, with new building projects and statistics showing the city by the Mersey is a good place to invest. It’s world renowned for a cultural heritage that ...

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11658

Inventory Grows Faster in Larger Metros

Market conditions will differ from one neighborhood to the next. That’s why it’s said that real estate is all about location. One area can be hot with buyers while another sees falling prices and little interest. These days, inventory is the prim...

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11656

Haves and have-nots at the Bank of Mum and Dad

The increasing importance of ‘the Bank of Mum and Dad’ is an issue for the UK property industry, and one with potential pitfalls. A new report has shown that it is more and more likely that young, first-time buyers can only rely on their parents ...

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11654

Tenant deposits to be cut to five weeks after u-turn

Government plans to cut tenancy deposit caps from six weeks of rent to five in the forthcoming Tenant Fees Bill have provoked a strong reaction from within the industry. The Sun has reported that Chancellor of the Exchequer Philip Hammond has been in...

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11652

Help to Buy still appealing to many first-time buyers

Almost nine out of 10 completions using Help to Buy are from first-time buyers, according to new figures just released. The Ministry of Housing, Communities and Local Government (MHCLG) has revealed that out of 458,000 completions using one or more o...

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11642

Taking The Long View Of The Housing Market

When you’re in the middle of something, it can be hard to see things clearly. Only after you’ve gained some perspective and had time to reflect do things become clearer. Hindsight, after all, is 20/20. This is also true when it comes to the housi...

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11638

Property market predictions for 2019 – resilience and technology will be key

The UK property market is expected to continue to be resilient with the north forecasted to lead the way and technology predicted to transform the sector. Despite gloomy predictions for how Brexit will impact house prices, the UK property market has ...

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11640

North fares well in new buy-to-let rental yield stats

Knowing which locations might give a better return on an investment is vital when mulling over a property option. Buying to rent out to students is a popular choice, and new figures from Totally Money have revealed that many of the country’s highes...

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11636

2018 HW Vanguard: Olumide Soroye

CoreLogic managing director of property intelligence and risk management. Olumide Soroye is a champion of innovation, dedicating his efforts to bettering the housing market with the implementation of data and technology. In fact, Soroye has worked on...

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11616

2018 HW Vanguard: John Frass

Class Valuation president. Since John Fraas took the helm of Class Valuation as president just over a year ago, the company has seen tremendous growth all while maintaining a positive work environment. Growing the company by 22% in such a short amoun...

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11617

The Basics of Creating the Perfect Spa Bathroom

Life can get hectic, especially if you live in a bustling urban center, so we should treat ourselves every now and then with a beneficial and relaxing activity. A singular day at the spa in a span of two months can do wonders for your physical and me...

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11614

FHA automates reverse mortgage second-appraisal process

Lenders will now get an immediate response. The Federal Housing Administration fully automated the second-appraisal process for reverse mortgage lenders on Friday, a move it had promised would come by December 1st. In September, the agency announced ...

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11613

Top seven recent stories in housing and property investment: 30 November

Here’s our round-up of some of the best stories that we’ve posted on Buy Association.co.uk recently. The property industry should embrace technology, the building societies v banks debate rages on, Everton’s proposed new stadium could help re...

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11611

Online Tools Gain Popularity With House Hunters

The internet and smartphones have changed the way we do things. Everything from how we buy groceries to how we listen to music has been affected by technological advances. So it should come as no surprise that shopping for a house has also been trans...

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11609

Councils not using powers to tackle rogue landlords

Most local councils have failed to use new powers to crack down on landlords who do not provide acceptable housing, new research has shown. The Residential Landlords Association (RLA) says that 89% of councils in England and Wales did not use the pow...

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11607

Slight upturn in house price growth in new Nationwide data

House prices edged up in November following a fall in the previous month, in new figures released by the Nationwide Building Society. Annual house price inflation stood at 1.9%, up from the previous month’s figure of 1.6% that had marked a fall in ...

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11605

Former head of FHA and MBA David Stevens blasts reverse mortgages

Suggests fixes to curtail “outrageous profits” and “predatory sales approach”. David Stevens isn’t a fan of reverse mortgages, and he’s not afraid to say it. The former commissioner of the Federal Housing Administration ...

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11595

Mortgage Demand Spikes As Buyers Return

According to the Mortgage Bankers Association’s Weekly Applications Survey, average mortgage rates were down last week for loans with conforming balances and the drop helped drive mortgage demand upward. In fact, demand for loans to buy homes was u...

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11593

Majority of UK students are happy with their purpose-built student accommodation

A recent survey showed 76% of students living in purpose-built student accommodation (PBSA) or university-run housing said they were happy with their rental choice. The first Student Accommodation Survey was compiled by Knight Frank in coll...

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11589

Are building societies better mortgage lenders than banks?

Building societies achieved a 10% rise in new mortgage approvals between July and September this year, increasing their share of the UK mortgage market. Since the financial crisis a decade ago, building societies have been making steady gains in th...

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11591

Home Prices Are Beginning To Slow Down

Home prices have been increasing for a while. Driven by high buyer demand and a lower-than-normal number of homes for sale, values have been on the rise. But, according to the latest S&P CoreLogic Case-Shiller Home Price Indices, the rate of home...

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11583

Mortgage approvals up despite mixed picture in new data

There was a rise in gross residential mortgage lending in the year to October, but mortgage approvals fell in the same period according to new data. Figures from UK Finance, a banking and finance industry trade association, state that gross mortgage ...

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11581

Brian Coester claims "We are not out of business," as AMC runs into financial difficulty

The Maryland law firm of Shapiro Sher Guinot & Sandler PA sent a letter November 14th to the appraiser clients of one of the nation’s largest appraisal management companies, CoesterVMS. This letter marked the beginning of tough times ahead for ...

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11564

New development set to rise on Stockport skyline

There’s more exciting news on the property scene in Stockport, with the news that a new 13-storey apartment building is set to be built in the town. Urbanize Homes have been given permission by Stockport Council to build The Place on the former sit...

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11562

Steadier Housing Market In Next Year’s Forecast

Over the past decade, housing market conditions have changed dramatically. The housing crash and subsequent price rebound have caused a shift from buyer’s to seller’s market. Add to that lower-than-normal mortgage rates and a lack of for-sale inv...

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11559

FHFA: Home Prices are Slowly Increasing

Rise 6.3% from Q3 2017. Home prices moderately increased in the third quarter of 2018, rising only 1.3% month over month but still up 6.3% from the same quarter last year. Home prices increased in September, rising only 0.2% from August, according to...

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11561

On trial – Nationwide’s new retirement interest only mortgage

In response to rising competition from digital banks and the increasingly complex requirements of today’s borrowers, Nationwide are taking steps to innovate later life lending. Taking advantage of the reintroduction of retirement interest-only (RIO...

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11557

Former football ground in Greater Manchester goes up for sale

Former football ground in Greater Manchester goes up for sale The former football ground of Flixton FC in Greater Manchester has gone on sale for £1.25 million.   The brownfield site of six acres backs on to the River Irwell in a residential ar...

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11555

[Expert commentary] A paradigm shift in valuation speed for HELOC lenders

Valuation platforms can help lenders capitalize on boom in home equity lending A new mortgage loan is triggered with consideration of two numbers: the borrower’s credit worthiness (FICO) and the worth of the collateral pledged for the loan (a valua...

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11543

October Home Sales Increase Is First In Months

Sales of previously owned homes rose 1.4 percent in October from the month before, according to new numbers from the National Association of Realtors. The increase was the first in six months. Lawrence Yun, NAR’s chief economist, said housing inven...

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11537

5 Reasons Why your Business Needs Professional Photos

If you own a business, you’re probably aware that managing expenses keep your operations going. And the bigger the business the harder it gets. You must think about marketing, payroll and inventory expenses. The actual list is longer, but these are...

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11539

Embracing technology is the way forward for planners and property sector as a whole

Royal Town Planning Institute and Future Cities Catapult want planners to embrace technology in order to digitise monotonous tasks, free planners to plan, and boost the housing market.  These two organisations signed a Memorandum of Understandi...

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11541

UK Building surveys to get the once over by Royal Institution of Chartered Surveyors

The Royal Institution of Chartered Surveyors (RICS) is keen to introduce a new Home Standard Survey. The aim is to provide consumers with a better quality product by creating a benchmark for survey reporting that delivers a higher quality and con...

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11535

Everton stadium plans backed to boost regeneration in Liverpool

Plans for a new stadium for Everton FC that would regenerate two areas in Liverpool have been put forward for public consultation. The club want to build a new ground at Bramley-Moore Dock, overlooking the River Mersey to the north of the city centre...

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11527

London prime market tipped to bounce back

House prices have slipped again in London’s prime market, but are being tipped to recover in the next few years by two new reports. Figures released by Savills and JLL shows that in in the third quarter of 2018 the capital’s prime property values...

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11512

Top 7 recent stories in housing and property investment: 23 November

Here’s our round-up of some of the best stories that we’ve posted on Buy Association.co.uk recently. Properties in London are taking longer to sell, Brexit continues to affect the market, crowdfunding might be the answer to getting young people...

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11514

Mortgage Rate Decline Breaks Upward Trend

According to the Mortgage Bankers Association’s Weekly Applications Survey, average mortgage rates fell last week, reversing an upward trend seen over the past several weeks. Though the decline was slight, it affected all loan categories except tho...

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11510

Waiting in line on Black Friday? Read these 5 housing articles

Check these out to get up to speed on the latest in the housing space. The Thanksgiving leftovers are put away and Black Friday shopping is finally upon us! While you wait in line for that great deal, check out these articles to stay up to speed on w...

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11509

Market in shape to cope with Brexit, says report

The UK property market should cope better with Brexit than the financial crash of 10 years ago, according to one new report, despite a recent dip in prices. Analysis from estate agent Haart shows that while prices dropped by 1.4% in October, sales we...

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11507

Millennials using crowdfunding to get on property ladder

As millennials are finding it more and more difficult to step onto the property ladder, many young adults are looking to property crowdfunding to take that first step. Shojin Property Partners, a property crowdfunding platform, has been around for ju...

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11505

Students become landlords with a buy-for-university mortgage

Tuition, rent and food are the top priorities when it comes to student finances, but this could change with the availability of buy-for-university mortgages, turning students into homeowners and landlords. Bath Building Society has been offering a bu...

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11503

TalkTalk to move HQ to Salford

TalkTalk have announced that they are moving their headquarters to Salford to join a lengthening list of tech and media companies basing themselves in the area. The telecoms firm says in 2019 it will move the “vast majority” of its 500 jobs in Lo...

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11501

New RICS consumer guide promotes accurate floorplans to benefit buyers and renters

The Royal Institution of Chartered Surveyors (RICS) has launched a new consumer-friendly guide, Measurement Matters, in a move to stop estate agents from measuring up properties inconsistently and inaccurately.  They are throwing a spotlight on the ...

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11499

Radian grows valuations business by acquiring Independent Settlement Services

Independent Settlement Services will eventually be rebranded. Radian Group is growing its valuations business, as the company announced Wednesday that it acquired Independent Settlement Services, a national appraisal and title management services com...

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11483

With Amazon moving in soon, how will this nearby Virginia real estate market fare?

Will Richmond market feel ripple effect from Amazon’s HQ2? The recent announcement that one of Amazon’s two new headquarters will be in Arlington, Virginia, just over an hour’s drive from historic Richmond, may begin to have ripple effe...

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11484

Appraisers accuse federal regulators of recreating housing crisis conditions

Appraisal Institute blasts proposal to eliminate appraisal requirement on certain home sales. As one might expect, appraisers are none too pleased about the Federal Deposit Insurance Corp., the Office of the Comptroller of the Currency, and the Board...

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11482

Borrowers on an SVR could save £4,500 in mortgage interest a year

Two million mortgage borrowers could save £4,500 a year by switching to a better fixed rate, analysis by broker Private Finance has shown. Their research shows that borrowers on standard variable rates (SVR) usually pay interest rates of 4% and abov...

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11480

New Home Market Reacts To Rising Mortgage Rates

For most of this year, new home builders have been optimistic. With high buyer demand and a stronger economy, the market for newly built homes was building some momentum. But, according to the most recent Housing Market Index from the National Associ...

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11476

Technology vital to solving rural housing shortage

Better broadband access and improved transport options are key if more new homes are to be built in rural areas according to a new report. The Countryside Landowners Association (CLA) has found that over 2,000 villages in 70 rural areas across Englan...

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11478

Manchester house price growth top in UK for five of last six years

Manchester leads the way in house price growth when compared to all of the top UK cities, and the city’s prices are expected to rise by 57% by the end of 2028. Global real estate agency Cushman & Wakefield released data on house price growth in...

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11474

Regulators propose ending appraisal requirement on some home sales of $400,000 and below

FDIC, OCC, Fed propose raising appraisal threshold for first time since 1994. Federal regulators are proposing to increase the threshold at which residential home sales require an appraisal for the first time since 1994. On Tuesday, the Federal Depos...

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11461

Crowdfunding for property development deal in Altrincham goes through the roof

The House Crowd is making UK history completing the largest crowdfunding property acquisition to date according to their founder Frazer Fearnhead. The new £15 million crowdfunding property development project is located in Altrincham, Greater Manche...

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11458

How Student Loan Debt Impacts Home Buyers

Young Americans want to own a home. Research consistently shows large majorities who say they aspire to one day become homeowners. And yet, the number of first-time home buyers active in the market has been lower than what is historically normal for ...

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11454