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Category Archives: Selling

Real Estate Market Update – August 2010

For those of us that survived July’s real estate market, we need to know how August treated us.  August showed a 7% increase in number of sales (7525 vs. 7021).  But what’s happening to prices…?  They did continue their decline.  Mike Orr wrote a couple of nice articles on prices in August.   Check them out @ www.cromfordreport.com.

Let me give you the numbers and then some thoughts on where they are going.  The month to month Average Sales Price (ASP) is down 6% to $164,900; Median Sales Price (MSP) is down 4% to $120,000; and Price per Square Foot ($/SF) is down 6% to $85.  These are significant drops for a 1 month period.  Distress properties (REO’s and Short Sales “SS”) make up 69% of the sale numbers, with SS making up 32%.  But the majority of the price decrease is attributable to Normal Sales, i.e. not Distress.  Here are the comparisons from The Cromford Report.

Greater Phoenix / All Dwelling Types $/SF July 29$/SF August 29Change
REOs$67.11$68.07+1.4%
Short Sales & Pre-foreclosures$84.35$81.86-3.0%
Normal$119.77$108.19-9.7%
Overall$90.20$85.43-6.3%

So why did this happen?  According to Mike, “the overall price decline is primarily caused by two main factors: a steep fall in the sales prices of Normal listings over $300,000 and the relative scarcity of Normal sales in August, particularly higher end homes. We saw only 91 Normal sales priced over $600,000 compared with 142 sales the month before.”

So don’t expect to hear many ‘rosy news stories’ this month.  Also remember that we will start to hear about the market’s dismal performance in July.  Here we go with the Consumer confidence factor again.

The foreclosure numbers should be out in a few days and I’ll update you on the market when I receive them.

Have a great month!

Jim Sexton

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REALTOR® Success Story: Online marketing key to selling home

Dru BloomfieldTypical dialogue between Jim and Phil:

“Did you see the article in the paper this weekend?”

“No, but I saw people talking about it on twitter and facebook on Friday!”

That’s exactly what happened with the recent Arizona Republic article Online marketing key to selling home.

This particular article caught his attention because it included 3 REALTORS® from John Hall & Associates (Dru Bloomfield, Leif Swanson, and yours truly) plus Jay Thompson and Don Mertes.

If you didn’t get a chance to read it – check it out!  Don’t miss the 5 Questions to Ask Your Agent.

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Phoenix Real Estate Market Review – July 2010

(click here if video does not display)

Well I guess I’ll start with the trite phrase – I have good news and bad news regarding the greater Phoenix real estate market last month.

Where do we start? With the good news obviously. We closed over 7,000 transactions last month, which is well above the monthly median number for both the last 120 months (10 years) as well as the last 10 Julys. Also the number of Pending Sales is 9,800, which is in the top third for the last 120 months. That doesn’t sound too bad, does it? With ample inventory to choose from, record low interest rates and affordable prices, isn’t the market in good shape?

Well, let’s look at the bad news from July. The number of sales per month is down 23% in the last 30 days (from 9,100 to 7,000). Pending Sales are down 6% (from 10,400 to 9,800) for the same period. Although prices, both average and median are unchanged from 7/09, the average is down $6,000 (3%) and the median down $2,000 (2%) in the last 30 days. The market is indeed undergoing some changes and whether they are all attributable to the tax credit going away or a reflection of consumer confidence and job security, remains to be seen.

I think Mike Orr’s 8/2/10 newsletter on www.cromfordreport.com is a must read. He provides excellent analysis and graphs to show the trends over the last 90 days. There are some developments at different price points that we need to be aware of and continue watching. Stay tuned for more Market Reports later this month. Also be prepared for the Arizona Republic to broadcast the bad news, which probably won’t help the situation much.

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QR Codes? I don’t even know what that means…

QR CodeThat’s what I thought when I first heard about these handy little images. I credit Diane Flannigan (yes, she’s doing great in San Fran!) for first putting them on my radar. Shortly after they showed up, there they were again, and then once more. Once it hit 3 times in 2 weeks I decided to do some googling. Turns out these little barcode-like images make print media interactive. They make your listing flyers interactive. Here’s how…

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Phoenix Real Estate Market Review – June 2010

Jim Sexton's Market Review Wow a last minute reprieve regarding the tax credit! What’s that mean? We’ll have fewer cancelations of the 17,000 properties currently in escrow. With all the discussion regarding an extension for the last couple of weeks, it appears that not all the lenders, sellers and buyers believed that it was necessary to close by 6/30. Oh well June still has, at this time 9083 closed, that’s basically the same as May, but down about 3% from June 2009. REO and Short Sale (SS) trends continue, namely REO’s are dropping (36%) in number and SS are increasing (25%). Pendings are dropping also – they’re now at 10,502, with 7200+ in AWC.

Regarding the foreclosure numbers, some noteworthy items: New Notices: 6170 the lowest # since 4/08; Number of completed foreclosures 4894-which is up 800 from May; Cancellations 4540-the 2nd highest on record and + 900 from last month; The change in the Pending Foreclosure #’s was the largest drop on record @2673-down to 42,324 the lowest since 3/9. The Bank Owned number rose by 500 to 16,861. You can see the Maricopa County Foreclosure Statistics graphed here.

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Short Sale Scammers Busted

Straight from this article on bloomberg.com:

JailSergio Natera and Anna McElaney are scheduled to be sentenced in Hartford’s federal court in August after pleading guilty to fraud. Their crime involved persuading lenders to approve the sale of homes for less than the balance owed –known as a short sale — without disclosing that there were better offers. They then flipped the houses for a profit.

Sentenced in a Federal Court for short sale fraud!  It’s nice to see that the federal government is starting to define and act on mortgage fraud.

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Greater Phoenix Arizona Real Estate Market Report – May 2010

Jim Sexton's Market ReviewThere’s a lot being written about the Phoenix Real Estate market as analysts and practitioners try to describe or predict what’s happening.

In my opinion, the market is sputtering on the price front but continues a brisk pace on a volume basis. To me any month with greater than 9000 closings is an outstanding month. May of 2010 was only the 15th month with over 9000 closings in the last 9 ½ years-that’s 113 months if you’re counting. June will probably be the 16th month with a chance of being the 4th month over 10,000 and possibly the highest month on record (The current #1 is June of 2005 with 10,252). All those ‘beat the tax deadline’ closings will motivate buyers and lenders to “get’em closed” this month.

Pendings and AWC’s continue high with 12,400 and 7700 respectively; that’s over 20,000 properties currently in escrow. Life without a tax credit won’t start until next month and then we’ll see how an unsubsidized real estate market reacts.

So to review May: 9100 closings-with only 20 business days in the month; 37% or 3350 were Bank Owned (REO’s); Short Sales (SS) accounted for 22% or 2000 closings. The real story with SS’s is the 4100 in Pending status and the 7100 in AWC status. When these 11,000 properties currently in escrow close, the percentages will have changed dramatically. Go to our blog for a Mike Orr report on Short Sales courtesy of Old Republic Title. Mike does a great job providing details on SS’s by analyzing them from both a supply and demand point of view, breaking them down by zip code. Also he compares SS’s to REO’s by price range. It’s a good report to refer to, if you have an appraiser or bank that needs information about SS’s specific to a zip code.

Another new statistical report came out this month called STAT. ARMLS provides the report and they have an advanced predictor of prices. You can get this report from your flexmls dashboard or click right here.

Also in our Real Estate Market section you will find our chart tracking Tom Ruff’s foreclosure numbers. The chart shows that New Notices of Trustee Sales are down 21% for the first 5 months of 2010 compared to 2009; Completed foreclosures are up 16% ; Pending Foreclosures are down 13% since the first of the year; and the biggest change is 70% more Cancelled in 2010 than the first 5 months last year. The current number of Bank Owned properties in Maricopa County is 16,301, which is made up of 5200 Active listings; 3850 are Pending; and the balance of 7250 are waiting to be marketed.

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Greater Phoenix Short Sale Market Report

Short Sale HelpFor last week’s short sale seminar Old Republic Title commissioned Michael Orr to create a special report explaining the state of the short sale market in greater Phoenix.  The report has been posted to Old Republic’s NewLeading EdgeUcation.com website.  Here’s a direct link to the 10 page pdf.

Have a safe Memorial Day weekend.

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What is HAFA?

Well, it stands for Home Affordable Foreclosure Alternatives Program but that doesn’t really give you any details.  It’s is a short sale assistance program that the government rolled out April 5, 2010 in order to help homeowners avoid having to go through a foreclosure.  There are a lot of details to this program, but a few of the benefits that I’ve heard include:

  • Up to $3,000 for Seller to relocate
  • Specific communication timeframes that bank and seller must play by.  Meaning you get a response from the bank within 2 weeks of submitting purchase offer.
  • Borrowers are released from future liability for the first mortgage debt (no cash contribution, promissory note, or deficiency judgment allowed)

How do you find out if you’re eligible for HAFA?

Straight from MakingHomeAffordable.com:

Mortgage servicers and investors write their own guidelines under the Federal requirements to determine how to implement the program. For more information about your options, you should contact your mortgage servicer. If you have questions about the program, or want guidance about how these options may impact your personal situation, you may wish to speak to a HUD-approved housing counselor for free.

Is your loan servicer working with HAFA?

Check this website to see if your Mortgage Servicer is on the list.

HAFA Resources

There is excellent information on the Making Home Affordable website, REALTOR.org has published a HAFA FAQ PDF, and last but not least, here is a 2 minute video produced by CDPE.com explaining more about the program.

So what’s the word from the REALTORS® out there on the streets helping homeowners with short sales?  Have you closed deals using the HAFA program?

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Phoenix Home Sales Statistics – April 2010

April’s numbers are telling us something. I guess it’s up to us to figure out what. I’ll need a couple of articles for April’s review. First the numbers-9200 closings!!! Wow, 4th month in a row of increases both Month over Month and same Month-year over year (y over y). Actually we have had same Month-y over y increases for the last 23 months-another indicator of market improvement. With 14,506 in Pending status, this trend should continue for another month or two. Yes, I realize that the tax incentive is going away, but the Pending’s have to close by 6/30 to be eligible for the tax credit. The Pending’s, combined with the 8000+ AWC’s are at record levels.

Probably most of the focus this month will be on prices and where are they going. Prices are bumping along, up 1 month then down the next. April’s price numbers might make news this month because the 12 month average will be up for the first time in a while. What? That’s right even though the month to month are up then down, our Average Sales Price (ASP) is up 8% over April of 2009. But as reporters are prone to do, they may report on April’s ASP being down 3% from 12/09. Median Sales Prices (MSP) are also up-10% same Month y over y; and 1% from 12/09.

Let’s return to the 9200 closings for April. 38% were REO’s and 22% were Short Sales (SS). You can see that the trend-“REO’s decreasing-with SS increasing” will continue by looking at the Pending’s-33% are REO’s and 29% SS; the AWC’s-over 7000 are SS; and even Active Listings where SS make up 27% with REO’s @14%.

The foreclosure numbers will also be making news this month. Initial numbers for April indicate completed foreclosures were down 20% from March’s record numbers. And Pending foreclosure numbers dropped another 2268-the largest drop on record.

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