Rob

About Rob

Rob Carlson leads the technical and business strategy for the Carlson Lending Team. PLEASE NOTE: The information contained, and the opinions expressed, in this article and on this website are not intended to be construed as investment advice. The owners of this website do not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. The owners of this site will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

Should I Renovate My Home Before I Sell It?

It's tempting to believe that our AMAZING new kitchen or flooring or paint choices will "wow" a potential home buyer. The truth (regrettably) is that even if it did, the investment may well be lost. It's not so much that a buyer might not appreciate the upgrades but that they aren't necessary to provoke the [...]

Great News for Renters Who Want to Buy a Home

Rents in the United States have been skyrocketing since 2012. This has caused many renters to face a tremendous burden when juggling their housing expenses and the desire to save for a down payment at the same time. The recent stabilization of rental prices provides a great opportunity for renters to save more of their [...]

American Confidence in Housing at an All-Time High

Fannie Mae just released the July edition of their Home Purchase Sentiment Index (HPSI). The HPSI takes information regarding consumers’ confidence in the real estate market from Fannie Mae’s National Housing Survey and condenses it into a single number. Therefore, the HPSI reflects consumers’ current views and forward-looking expectations of housing market conditions. Great News! The index reached its highest level since Fannie [...]

First Comes Love… Then Comes Mortgage? Couples Lead the Way!!

According to the National Association of REALTORS most recent Profile of Home Buyers & Sellers, married couples once again dominated the first-time homebuyer statistics in 2018 at 54% of all buyers. It is no surprise that buying a home is more attainable with two incomes to save for down payments and contribute to monthly housing costs. However, many couples [...]

To Build Wealth, Owning a Home Sooner than Later is Critical

According to a new Urban Institute study, homeowners who purchase their homes before the age of 35 are better prepared for retirement at age 60. The organization surveyed adults who turned 60 or 61 between 2003 and 2015 for their data set. “Today’s older adults became homeowners at a younger age than today’s young adults. Half the [...]

What Does the Future Hold for Home Prices?

Home prices are at the top of everyone’s minds. Can they maintain their current pace of appreciation? Will rising mortgage rates negatively impact home values? Will the next economic slowdown cause prices to crash? Let’s try to answer these questions based on what has happened in the past as well as what we know about [...]

Rent or Buy: Either Way You’re Paying A Mortgage!

There are some people who have not purchased homes because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize, however, that unless you are living with your parents rent-free, you are paying a mortgage – either yours or your landlord’s. As Entrepreneur Magazine, a premier source for small business, explained in their article, “12 [...]

The Millennial Wave is Coming!

Many have written about the millennial generation and whether or not they, as a whole, believe in homeownership as a part of attaining their American Dream. Comparatively speaking, millennials have taken longer to obtain traditional milestones (like getting married, having kids and buying a home) than generations before them, but that does not mean that [...]

Did Tax Reform Kill The Luxury Home Market? Nope!

Here in San Diego, our laid-back approach to life hides the fact that many of the properties for sale in our lovely city are considered "luxury" properties. The new tax code limits the deduction of state and local property taxes, as well as income or sales taxes, to a total of $10,000. When the tax [...]

Millionaire to Millennials: Don’t Rent a Home… Buy!

In a CNBC article, self-made millionaire David Bach explained that: “The biggest mistake millennials are making is not buying their first home.” He goes on to say that, “If you want to build real financial security, real wealth for your lifetime, then you need to buy a home.” Bach went on to explain: “Homeowners are worth 40 times more than [...]

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