Rates Give Back Some of Friday's Gains; Mortgage Status Predicts Homeowner Behavior

Mortgage rates moved slightly higher today, erasing only some of the massive improvements seen after last Friday's jobs report. In general, most lenders moved one-eighth of one percentage point lower in rate on Friday. Today's weakness isn't enough to raise rates by an eighth of a point, so instead, the weakness comes in the form of slightly higher upfront costs for the same rates as Friday. The most prevalently-quoted conventional 30yr fixed rate remains 3.625% on top tier scenarios for most lenders, though a few of the less aggressively-priced lenders are quoting 3.75%. It should be noted that 3.625% is the lowest stably-held 30yr fixed quote in more than 3 years. We've seen rates move lower a few times since then, but never for very long. As such, no one could argue that it makes sense to

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How to Use a Home Decor Theme In a Room

By Tori Toth

Not sure how to use a home decor theme in a room? No worries, it’s easy to use a theme to add personality into a space…the hardest part is deciding what theme to show off.

Home owners have so many themes to choose from. Whether you take a cue from a location, design style, season, or even a beloved kid’s character there are five tips you should follow when working a theme into your home decor.

Home Decor Theme Rule #1: Work with color.

One of the easiest ways to bring a theme’s feeling into your home is through color. Take a beach theme for example, the palette echoes the colors of nature: big sky blues, earthy browns, sea kelp greens and turquoise waters. Through the simple use of paint, you can set the stage for other beach touches throughout the home.

Home Decor Theme Rule #2: Use artwork.

Displaying artwork is an excellent way to set a mood in a home based on a theme. The artwork can be literal or even abstract to add personality into the room. You can find originals, as well as more affordable prints and posters to grab a buyer or guests eye. Just check out the two images being used in this lemonade inspired dining room used below. You can use artwork that describes a lemon tree or a painting that uses the colors to inspire the mind.

Lemonade Inspired Dining Room by tori-toth-arena

Home Decor Theme Rule #3: Have a focal point.

A theme should be developed around one specific piece you love or that represents the home’s lifestyle. Think about the pieces in the room and how they will adapt to your theme. Start with one thing then grow the theme from that if you want to add a travel theme start with a map and find weathered, authentic pieces that support the theme. Take your time and check out various outlets including furniture stores, yard sales and antique stores to spot that special piece that will bring your theme to life.

Home Decor Theme Rule #4: Use small pieces for a big impact.

You don’t need a lot of space or a huge budget to pull off a theme. You can change out throw pillows, table accessories, rugs or even knobs to add to your theme’s personality. Sometimes little touches can have a bigger impact than an overall transformation.

Home Decor Theme Rule #5: Add decor that’s natural and authentic to the theme.

Keep your eye out for materials that are natural to your theme and use pieces that are authentic. By using natural elements in a home it will create a warm and welcoming feel into the space. For generations humans love the natural and organic appeal of elements that make them feel calm, at peace, and above all, welcomed home.

What home decor themes have you used in a home?

ABOUT THE AUTHOR: Tori Toth is an Amazon best-selling author who wrote “Feel At Home: Home Staging Secrets for a Quick and Easy Sell.” She is also the founder of The Stage 2 Sell Strategy, the world’s first online home staging video course for home sellers. Toth opened her staging company, Stylish Stagers, Inc. in New York City back in 2009. Her book, how-to videos, newsletters, products and appearances now inspire hundreds of thousands of home owners and real estate experts worldwide. Meet Tori by visiting her website or Facebook Fan page.

 

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The Safe House - Show 382

Real Estate Today Radio - SHOW 382

On this week's Real Estate Today, it's our special show "The Safe House."

This Week's Show Includes:
- Top News Of The Week
- Three Safety Strategies for Using a Portable Generator
- Selling Your Home Safely
- Ask The Millennial
- Smart Home Technology
- Get REALTOR(R)

Become a part of the community at http://retradio.com!

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Mortgage Rates Drop Sharply as Jobs Report Puts Fed on Hold; Do CFPB Payday Loan Proposals Affect Residential Lending?

Mortgage rates plummeted today, relatively speaking, fully erasing the damage done 2 weeks ago after the Fed Minutes sent rates higher at the fastest pace in months. Let's continue with that same logic. If rates moved quickly higher 2 weeks ago because the Fed Minutes suggested increased chances of a June hike, it would stand to reason that rates should fall if something happened to decrease the likelihood of a June hike. As it happens, that's exactly what this morning's jobs report did! In general, the Fed can afford to tune out employment data because employment data has been so reliably strong and steady. But this morning's employment data was SO weak that it could understandably give the Fed pause in rushing to hike rates in June. Of course we've already talked about how overseas events

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Buyers Increasingly Worried by Competition; Mortgage Availability Continues to Slide

What do buyers worry about as they shop for a home? It turns out one growing concern is other buyers like them. A Redfin survey of nearly 1,000 buyers found that, while 26 percent cited affordability as their major worry, virtually unchanged from the last two quarterly surveys, 19 percent said their biggest fear was competition . This was an 8 percentage point increase from the fourth quarter of 2015 and 3 points more than in the first survey this year. The third major concern, tight inventories of available homes, declined slightly in the recent survey. But those inventories are the main driver of competition and when the two are combined, competition becomes a more important issue than affordability. Redfin said the buyer concerns are justified . Sixty percent of buyers represented by the

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Upstart Mexican eatery already expanding

Luciana's Mexican Restaurant & Cantina on Broad Ripple Avenue should open its second location, early next month, in the Clearwater Crossing shopping center.

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2-Week Rate Lows: There's a Catch; Sharpest Drop Since 2011 in Construction Spending; Home Prices Too High?

How high is too high? When it comes to home prices the wounds left from the Great Recession make this question an important one. Amidst that event, home prices plummeted and didn't begin to recover until 2011. Recent price growth has been particularly strong and for a while that was welcome news. More recently though, a rapid escalation has led some to worry about the potential for another house price bubble. Freddie Mac's current Insights report, published by its Economic & Housing Research Group headed by Chief Economist Sean Becketti, asks how one can tell it is time to worry. While there is no foolproof technique they explain a two-stage method for identifying unsustainably-high house prices. Sometimes, the report says, it is easy to see where home prices are escalating too quickly

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