Hard Money Blog

New flood and fire risk scores radically alter values

New flood and fire risk scores radically alter values

  Recently Realtor.com and Zillow have been promoting “risk scores” for properties to reflect environmental risk from fires and floods.  These new scores are radically altering real estate prices. What is included in the new scores? Are you impacted? How accurate...

read more
What is hiding in the real estate market?

What is hiding in the real estate market?

The housing market has a multi-billion dollar problem that nobody is talking about.  Since the last recession economists harp on the fact that underwriting is so much better now than it was leading up to 2008.  This is correct except for one lender, the federal...

read more
More expensive to live outside a city than in a city

More expensive to live outside a city than in a city

Over the last 30+ years it has historically been more expensive to live inside a city versus the suburbs.  The demand for urban living was huge over the last 20 years.  This narrative is now changing with the suburbs in many major cities poised to overtake urban...

read more
Zillow stock plunges: impact on real estate

Zillow stock plunges: impact on real estate

    Zillow’s stock has plunged, losing 65% of its value over the last 5 years.  To put this in perspective, the Nasdaq 100 has doubled during this same period.  Why is Zillow, who was once an internet darling, now falling precipitously?  What does this mean...

read more
Is Stagflation dead, what happens now

Is Stagflation dead, what happens now

    There has been considerable talk about stagflation now mirroring the 70s with high energy prices and low growth.  Recently, all the data seemed to be pointing in this direction other than one metric.  The economy keeps growing exceeding pretty much every...

read more
Big changes to how real estate is bought and sold

Big changes to how real estate is bought and sold

    Like many of you, I hate it when I see headlines like above and am always a bit skeptical.  Real estate has basically operated pretty much the same way for the last 20 years or so without any real structural changes, but a recent lawsuit against Zillow...

read more
Is this the perfect storm for housing

Is this the perfect storm for housing

  In case you missed it, I was recently quoted in a Mortgage Professional America article: Is this the perfect storm for housing.  It is a great article focusing on the impact of interest rates, consumer confidence, etc.. on the spring housing season that is now...

read more
2026 real estate predictions, what happens now?

2026 real estate predictions, what happens now?

    2026 was set to be the big recovery in real estate with rates lowering, setting us up for a great year.  Instead, the Iran war kicked off driving energy prices and in turn inflation up.  The rate narrative has made a U-turn with the question of when to...

read more
When will there be a major reset in real estate prices

When will there be a major reset in real estate prices

      Last week I asked all of you when we would see a major reset in real estate prices? The real estate pros have spoken and as you can see from the chart, the overwhelming choice was there will not be a major reset in the next four years.  Do you...

read more
When will real estate crash or will it?

When will real estate crash or will it?

  Look at the chart above of consumer delinquencies?  We are now in line with 2017, but is that the real story?  Look at 07 what do you notice?  Will the economy mirror the 08 reset or has something else fundamentally changed?  With the current delinquency rates...

read more
What happens to the economy from the Iran war?

What happens to the economy from the Iran war?

      Last week I asked all of you how will the Iran war impact the economy? The real estate pros have spoken and as you can see from the chart, the overwhelming choice was that the economy falls modestly.  What was the key rationale behind the...

read more
What does the  Iran war mean for real estate?

What does the  Iran war mean for real estate?

I was a bit surprised at the market reaction, check out the 10 year treasury (above) on the Monday after the war began. I would have predicted the opposite reaction with yields falling.  What are the three primary reasons rates are now rising? What impact does this...

read more
Get your own house in order to solve affordability

Get your own house in order to solve affordability

The Trump administration hasn’t been short of proposals in recent months it says will improve affordability in the housing market and boost Americans’ chances of taking out a mortgage. “All of the proposals are short-term fixes,” Glen Weinberg of Fairview Commercial...

read more
Welcome our newest employee to Fairview

Welcome our newest employee to Fairview

  Everyone, I’m pleased to introduce you to our newest team member, Gambler, he comes to us from a husky rescue in  Denver, Colorado. He is a Siberian Husky/German Shepherd mix and about 2 months old.  He will be based out of our Colorado office and he will be...

read more
What happens to the economy, the results will surprise

What happens to the economy, the results will surprise

    Last week I asked all of you what happens to the economy over the next two years ? The real estate pros have spoken and I was a bit surprised by the answers.  There was no clear winner on where the economy heads from here.  What was the key rationale...

read more

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New flood and fire risk scores radically alter values

New flood and fire risk scores radically alter values

  Recently Realtor.com and Zillow have been promoting “risk scores” for properties to reflect environmental risk from fires and floods.  These new scores are radically altering real estate prices. What is included in the new scores? Are you impacted? How accurate...

read more
What is hiding in the real estate market?

What is hiding in the real estate market?

The housing market has a multi-billion dollar problem that nobody is talking about.  Since the last recession economists harp on the fact that underwriting is so much better now than it was leading up to 2008.  This is correct except for one lender, the federal...

read more
More expensive to live outside a city than in a city

More expensive to live outside a city than in a city

Over the last 30+ years it has historically been more expensive to live inside a city versus the suburbs.  The demand for urban living was huge over the last 20 years.  This narrative is now changing with the suburbs in many major cities poised to overtake urban...

read more
Zillow stock plunges: impact on real estate

Zillow stock plunges: impact on real estate

    Zillow’s stock has plunged, losing 65% of its value over the last 5 years.  To put this in perspective, the Nasdaq 100 has doubled during this same period.  Why is Zillow, who was once an internet darling, now falling precipitously?  What does this mean...

read more
Is Stagflation dead, what happens now

Is Stagflation dead, what happens now

    There has been considerable talk about stagflation now mirroring the 70s with high energy prices and low growth.  Recently, all the data seemed to be pointing in this direction other than one metric.  The economy keeps growing exceeding pretty much every...

read more
Big changes to how real estate is bought and sold

Big changes to how real estate is bought and sold

    Like many of you, I hate it when I see headlines like above and am always a bit skeptical.  Real estate has basically operated pretty much the same way for the last 20 years or so without any real structural changes, but a recent lawsuit against Zillow...

read more
Is this the perfect storm for housing

Is this the perfect storm for housing

  In case you missed it, I was recently quoted in a Mortgage Professional America article: Is this the perfect storm for housing.  It is a great article focusing on the impact of interest rates, consumer confidence, etc.. on the spring housing season that is now...

read more
2026 real estate predictions, what happens now?

2026 real estate predictions, what happens now?

    2026 was set to be the big recovery in real estate with rates lowering, setting us up for a great year.  Instead, the Iran war kicked off driving energy prices and in turn inflation up.  The rate narrative has made a U-turn with the question of when to...

read more
When will there be a major reset in real estate prices

When will there be a major reset in real estate prices

      Last week I asked all of you when we would see a major reset in real estate prices? The real estate pros have spoken and as you can see from the chart, the overwhelming choice was there will not be a major reset in the next four years.  Do you...

read more
When will real estate crash or will it?

When will real estate crash or will it?

  Look at the chart above of consumer delinquencies?  We are now in line with 2017, but is that the real story?  Look at 07 what do you notice?  Will the economy mirror the 08 reset or has something else fundamentally changed?  With the current delinquency rates...

read more
What happens to the economy from the Iran war?

What happens to the economy from the Iran war?

      Last week I asked all of you how will the Iran war impact the economy? The real estate pros have spoken and as you can see from the chart, the overwhelming choice was that the economy falls modestly.  What was the key rationale behind the...

read more
What does the  Iran war mean for real estate?

What does the  Iran war mean for real estate?

I was a bit surprised at the market reaction, check out the 10 year treasury (above) on the Monday after the war began. I would have predicted the opposite reaction with yields falling.  What are the three primary reasons rates are now rising? What impact does this...

read more
Get your own house in order to solve affordability

Get your own house in order to solve affordability

The Trump administration hasn’t been short of proposals in recent months it says will improve affordability in the housing market and boost Americans’ chances of taking out a mortgage. “All of the proposals are short-term fixes,” Glen Weinberg of Fairview Commercial...

read more
Welcome our newest employee to Fairview

Welcome our newest employee to Fairview

  Everyone, I’m pleased to introduce you to our newest team member, Gambler, he comes to us from a husky rescue in  Denver, Colorado. He is a Siberian Husky/German Shepherd mix and about 2 months old.  He will be based out of our Colorado office and he will be...

read more
What happens to the economy, the results will surprise

What happens to the economy, the results will surprise

    Last week I asked all of you what happens to the economy over the next two years ? The real estate pros have spoken and I was a bit surprised by the answers.  There was no clear winner on where the economy heads from here.  What was the key rationale...

read more

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