Sentences with phrase «tight credit»

While problems with tight credit conditions for buyers and obtaining accurate appraisals are still lingering, new problems like spot shortages and rising costs for labor, materials and lots are beginning to emerge.

In times of tight credit spreads, the pressure on these banks to «cheat» when it comes to risk taking and disclosure becomes irresistible.

And in most cases that translates directly into a financing challenge — because to a bank with tight credit standards for buildings, hard, complex, slow and expensive means risky.

In terms of quality, low quality continues to win, which is a function of tight credit spreads.

With tight credit requirements, decreased construction and issues with changes in the climate that are causing people to move to new areas, there are simply fewer homes available in the traditional markets.

Furthermore, there will be a maximum loan - to - value ratio, which in today's tight credit environment is in most cases 75 %.

Recent data suggest that continued tight credit access for buyers has the market more dependent on cash and investor buyers than in years past.

Cheap and available money, evidenced by tight credit spreads, explains more than 50 % of the variation in equity market volatility.

Unfortunately, many would - be buyers are either hampered by today's excessively tight credit requirements or earning too little to qualify.

We prefer to take risk in equities rather than credit, given tight credit spreads, low yields and a maturing cycle.

Several significant challenges remain, however, including tight credit and high unemployment.

Also be aware that refinancing in today's market is more difficult to do based on tighter credit restrictions.

And with the very tight credit markets, that situation is unlikely to change anytime soon.

Given the current tight credit market, owner financing is a viable strategy to assist the buyer in a 1031 exchange.

However, tighter credit regulations and increasing real estate prices may cause some people to continue renting as opposed to entering the housing market.

For a variety of reason, mostly to due to negative equity or current tighter credit underwriting guidelines, large numbers of these homeowners have been left to the sidelines.

For credit markets, default rates are low, but extraordinarily tight credit spreads largely already reflect that fact.

With the challenging economy comes a concern about tight credit scores of potential homeowners.

A different crop of lenders is emerging, claiming that it will revolutionize tight credit markets.

Only the most qualified applicants are seeing these rates right now due to insanely tight credit requirements.

You may decide to apply for a new balance transfer credit card, but with tighter credit all around, don't be surprised if your application is rejected.

Seller financing With tight credit nowadays making it difficult for some to get a loan, some sellers may even offer financing to get a deal closed.

This number falls drastically to five weeks the following year in 2013, indicating tight inventory, tight credit availability, and a lack of new construction of homes to keep up with demand.

Despite improved housing conditions and low interest rates, tight credit conditions continue to be a barrier for some buyers.

-LRB-...) during the 2007 - 2009 downturn and after, financial problems and tight credit standards prevented many consumers from replacing their old vehicles.

«Home sales are hurt by higher mortgage interest rates, constrained inventory and continuing tight credit,» he said.

As fewer and fewer homebuyers are approved for mortgages in today's tight credit market, it's critical to make a good impression on your lender.

There are tighter credit score, down payment and costs of borrowing for these programs.

Today's tight credit spreads reflect low levels of market volatility.

Kaven Tsang of Moody's Investors Service says tighter credit conditions in China will likely hit the smaller property developers harder than the larger ones.

The «qualified mortgage rules» that went into effect in 2014 as part of the Dodd - Frank reform package set out «a pretty tight credit box» within which lenders must work.

«We're piling tighter standards on top of already tight credit standards,» said Laurie Goodman of Amherst Securities Group LP.

Existing single - family home sales were down slightly in August as tight credit curtailed mortgage activity, but NAR's forward - looking pending sales indicator suggests solid sales growth in the months ahead.

Expensive valuations are evident in relatively tight credit spreads across eurozone countries despite the differentiation priced into sovereign bonds.

Much of this slowing will be driven by weaker outcomes in the developed world, particularly in countries facing tighter credit conditions.

More fundamentally, it's low inventories and overly tight credit restrictions that are having the biggest impact on markets, Yun said, and he noted that the federal qualified mortgage (QM) rules that took effect earlier this year are not helping matters.

«I think no deal is probably better for the longer - term because it continues this process of rebalancing and there is no rebalancing without pressure and pressure comes through lower oil prices, through tighter credit and we're seeing all of that playing out nicely,» he said.

NAHB commended the Senate for passing bipartisan legislation yesterday that would help ease tight credit conditions that are hindering the momentum of the housing industry.

«Lenders of credit - card debt, auto loans and mortgages have adopted tighter credit - underwriting criteria in the aftermath of the credit crisis.

If the economy enters a cyclical downturn, and bad debt goes bad, you get a negative feedback loop, crashing profits, much tighter credit conditions, liquidation of leveraged positions, etc..

Sluggish income growth, low inventories and nagging tight credit remain headwinds for the market, but this shift is an important bell weather of returning health for the market.

This refinance program provides easy qualifying requirements, and quick closing, but changing FHA guidlines reflect tighter credit requirements across the mortgage lending industry.For all streamline refinance transactions with FHA case numbers issued on or after November 17, 2009 changes in FHA's streamline refinance program include:

Companies also struggled to restructure under tighter credit conditions.

Pushback against overly tight credit after the housing crisis, a shrunken proportion of first - time buyers and worry about affordability as home values rose led to some tweaks to guidelines that could ease financing pressures for homebuyers this year.

Of note, the new Chinese muni bonds were priced tight at issuance and they continue to trade at tight credit spreads above the sovereign bond yields.