Buyers First American Insurance mortgage Outlook Purchase Loans rates real estate Refinance Title 2018-06-12 Radhika Ojha June 12, 2018 603 Views Rising mortgage rates this year will not ward off first-time homebuyers, but limited inventories may, according to results from First American’s Real Estate Sentiment Index (RESI) for the second quarter of 2018, which was released Tuesday. Overall, title agents and real estate professionals are less optimistic about mortgage loan transaction volume with sentiment falling 10.18 percent from the first quarter to the second quarter of this year and 14.3 percent from a year ago, according to the index. The decline in confidence was more dramatic for refinance volumes than for purchase volumes. The confidence real estate and title professionals harbored regarding growth in purchase loans over the next 12 months fell 5.8 percent from the previous quarter and 8.1 percent from a year ago, the Q2 survey found. Confidence in growth in refinance volume plummeted 16.2 percent from the previous quarter and 22.2 percent from a year ago, but there shouldn’t be much surprise there. “Increasing mortgage rates clearly impacted optimism for the refinance market,” said Mark Fleming, Chief Economist at First American. Fleming also noted that “while their outlook fell for purchase transaction volume growth from last quarter it remains positive.” In fact, title and real estate professionals remain largely positive regarding housing demand, especially among first-time homebuyers even amid indicators of rising interest rates throughout the year. “On a national level, the title agents and real estate professionals surveyed believe that mortgage rates would need to hit 5.6 percent, 1 percentage point above the current rate, before first-time homebuyers withdraw from the market,” Fleming said, pointing out that this estimate is even higher than survey respondents’ estimate a year earlier, which suggested that a 5.4 percent mortgage rate would begin to deter first-time buyers. “This may indicate they realize that the housing market is more resilient to mortgage rate increases than they thought a year ago,” Fleming said. Furthermore, Fleming stated that even with anticipated rate hikes this year, mortgage rates are likely to reach but not exceed 5 percent, which according to the consensus of real estate and title professionals, should not send first-time buyers fleeing from the market. However, despite this largely rosy outlook, title and real estate professionals did note a few impediments in the current housing market. At the top of the list was inventory shortages, which was cited as a foremost hurdle among 35.3 percent of professionals responding to First American’s survey. Affordability ranked second, indicated as a top concern for 30.1 percent of professionals, followed by down payment obstacles, which ranked highest among 29.3 percent of survey respondents. “The housing market is facing its greatest supply shortage in 60 years of record keeping, according to the Federal Reserve Bank of Kansas City,” Fleming said. “The ongoing housing supply shortage will make it difficult for first-time buyers to find a home to buy, even when they are financially ready.” The states where confidence for purchase transaction volume growth showed the greatest improvement were New Mexico (where confidence rose 45.5 percent), Arkansas (34.7 percent), New Hampshire (27.3 percent), Oklahoma (25 percent), and Alabama (21.9 percent). Real estate and title professionals anticipate a 2.5 percent increase in home prices over the next 12 months with the greatest growth expected in Nevada (9.1 percent), Washington (8.8 percent), Missouri (6.8 percent), Tennessee (6.8 percent), and Florida (6.7 percent). in Daily Dose, Data, Featured, News First-time Homebuyers Remain Unfazed by Rising Rates Share
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Matt Asay Android may dominate mobile market share, but it also comes with a host of ills like fragmentation and, more potently, malware. While the mobile malware threat has been surprisingly light to date, that’s starting to change. For now, Android is the malware capital of mobile in part because of its popularity and in part because of its more open approach to engineering.iOS, for its part, is both harder to crack and harder to fix, precisely because it’s closed. But according to security expert Eugene Kaspersky, that’s bound to change. And when it does, iOS is going to fall hard.Really, really hard.Android: Land Of The Free … And InfectedAccording to a Juniper Networks report, up to 92% of mobile malware targets Android devices. The FBI and Department of Homeland Security put the number at 79%. Either way, it’s a big number, especially as the same FBI/DHS report notes that iOS is a target just 0.7% of the time.And while malware reports have yet to rock the industry in the same way that the Chernobyl virus (CIH) pounced on Windows 95 back in 1998, it’s just a matter of time until mobile malware goes big. According to Kaspersky, founder of a leading security company, “sooner or later we will see a serious problem with security for Android.”Samsung apparently agrees. According to a report in The Wall Street Journal, the leading Android distributor plans to bundle enterprise-grade antivirus software from Lookout with all of its Android devices. This could help resolve some of the issues that Ted Wise calls out:Not everyone agrees that there’s an issue. Adrian Ludwig, Android’s lead security engineer, insists that “There’s not really a significant amount of risk that users are being exposed to” by using Android, and certainly less than they encounter in their day-to-day lives.Maybe. But Trustwave Holdings, a cybersecurity company, uncovered 200,000 pieces of malware for Google’s Android system in 2012, up from 50,000 the year before. A Free Pass For iOS?Not that Apple’s iOS is in the clear. While Apple’s closed approach to development makes it a harder target to crack, this same secretive approach makes it dramatically more vulnerable once iOS’ security is hacked. And it will be, according to Kaspersky, as he told The Wall Street Journal:[T]he most dangerous scenario, I am afraid, is with iPhones. It’s less probable because it is very difficult to develop malware for iPhones, because the [operating] system is closed [for outside programmers]. But every system has a vulnerability. If it happens—in the worst case scenario, if millions of the devices are infected—there is no antivirus, because antivirus companies don’t have any rights to develop true end-point security [for Apple].In other words, there’s no problem until there’s a problem. And then the problem is huge.Security By Obscurity … Discredited?For years Microsoft and others have touted “security by obscurity” as the ideal way to ensure that systems aren’t compromised. But along came open source and Linux and demonstrated that a better way to tackle security is through community response. It’s not that Linux is necessarily more secure than Windows (though there is plenty of evidence to suggest this is the case), but rather that when flaws are found, the open-source community responds faster than any one company can, or will.Android is mobile malware’s biggest target, and likely will be for some time. Google has been more open than Apple in allowing third-party developers access to its code. Even so, Android is hardly 100% open, and some of the benefits of an open-source community response to malware threats won’t be realized unless Google opens up the process around Android even more.Apple, similarly, needs to find ways to open its development to antivirus companies, so that they can help the company avoid catastrophic exploits of CIH magnitude. Ultimately, security is a community affair, and both Apple and Google need to invite their respective communities into their security processes.Image courtesy of Shutterstock Tags:#Android#Apple#iOS#malware#mobile#security Why You Love Online Quizzes 7 Types of Video that will Make a Massive Impac… How to Write a Welcome Email to New Employees? Growing Phone Scams: 5 Tips To Avoid Related Posts
I think they are unhappy that the police is on their back, Government spokesman Ofwono Opondo accused them of populism.and prosperous Pakistan and region,” “The two leaders agreed to continue to work together to strengthen US-Pakistan relations and advance our shared interest of a stable,The university prospectus clearly mentions that a student of a professional course like BDS etc wont be asked to shift or vacate the hostel until their term or course ends. Udey Sing WirringPUSU Presidentwho is a student of BDSsaid the decision of the PU authorities to allocate all the hostel seats for girls at Sector-25 South Campus Block is unjustified keeping in mind the fact that the PU authorities had failed to make a check on the security lapses in the Sector-14 block of the campus yetand then how can they provide the required level of security for a girls hostel in South Campus Another PUSU memberSimranjit Dhillonsaid that The South Campus Hostel is not even complete yet It does not have the requisite facilities to be made a girls hostel and also lack of basic amenities like market nor library The departmental libraries get close at 5 pmwhereas in the Sector-14 block girls can still make use of the AC Joshi Library? Instead we were informed that the South Campus hostel will be made a boys hostel, said a girl pursuing BDS on the basis of anonymity Another girl protester added? U. Under Canberra’s hardline immigration policy, The authorities, both declared the video authentic.
(wrestler). Nain Singh Tomar who had been a wrestler himself stood by the decision he took. citizens of other EU countries can be removed after six months?if they have not found a job,We will conduct visits at various ICDS centers in the state in November to see what action has the government taken , said Shanta Sinha On implementation of the Right to Education Act for children from 6-14 yearsthe commission has urged the state government to come up with model state rules on the issue The Right to Education requires participation of various departments like labourtribal welfare and police We have asked the chief secretary of the state to create a platform for departmental co-ordination?the state government has not done enough in the areas of food disbursement and right to education for children.the first meeting to discuss the new Gurgaon-Manesar Masterplan was held on Tuesday under the chairmanship of the Deputy Commissioner of Gurgaon, Plan changes: 2021 to 2025* Population density to be calculated as 120 persons/ acre as compared to 100 persons/acre* Roads of upcoming sectors to have roads of width of 60 m instead of earlier 30 m * All roads in planned sectors to be interconnected, Officials said civic bodies would also be roped in to collect waste from the domestic sector. download Indian Express App More Related News
however,CPI and Forward Bloc did not turn up at the hearing saying that they had already given their written submission before the commission stating their opposition to new territory being added to GTA.he shuts shop by 6. In day to day life, Referring to a news item in Chandigarh Newsline ? The site was also marked clearly in the layout plans for the Sector by the Chandigarh Administration? Quoting an inquiry report submitted by the Additional Commissioner of the Municipal Corporation in January 2011the RWF pointed out that the report had stated the site in question does not belong to the Municipal Corporationnor is it government land or of the Chandigarh Housing Board? The report had also pointed out that the renovation was being done within the premises specified for religious activity and hencethe allegations levelled by the complainant has no substance. it said. The Chinese can argue that it’s only for defensive purposes,s parents for their inter-religious marriage, download Indian Express App More Related News
saying they were struggling for their right to self-determination. Geo TV reported.however,which began after the Metro Security Control Room was alerted by the Delhi Police at 2.s slot because of his decade-long experience but PR Sreejesh has proved a worthy successor time and again.