The MBA’s Mortgage Credit Availability Index has fallen sharply, now 32% below the November 2019 peak.
Forbearance requests rise while access to mortgage credit falls
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Real Estate Economics
Learn the 25 economic factors that drive California’s real estate market.
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Recent updates to the course e-book
06/25: The 2025 rules for buyer representation and fee-splitting avoidance are currently being edited into this e-book.
Newly published related content
Declining jobs mark a hold-cash phase in 2020; Monthly Statistical Update (July 2020)
Jobs lost puts a face on the 2020 recession; Stock market highs and lows as mostly momentum, not data based; Real estate investments are tangible and location counts — just not in 2020
Housing insecurity was an issue in California long before COVID-19
Here in California, reliable access to housing has long been an issue as rental and homeowner inventory have failed to keep up with demand from our rising population.
Remote working shifts homebuyer preferences
As Californians continue to social distance due to the coronavirus (COVID-19) pandemic, many have shifted from their traditional office jobs to working remotely.
Today’s low interest rates aren’t enough to boost inventory, home sales volume; Monthly Statistical Update (June 2020)
30-year fixed rate mortgage (FRM) rates hit historic low; For-sale inventory drops; Home sales volume set to fall
The W-shaped recession ahead
Prepare for a bumpy road ahead.
ARM rates remain low, but not low enough
The average ARM rate has fallen back in 2020.
Home prices, savings and bankruptcies in a pandemic; Monthly Statistical Update (May 2020)
Home prices are propped up by low interest rates, for now; Saving opportunities narrow in California; Personal bankruptcies set to rise
California consumer sentiment plummets in Q1 2020
Information on homebuyer sentiment is somewhat predictive of future home sales.