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The Keller Williams Realty Services Northern Kentucky Real Estate Blog

Northern Kentucky sales

Right now there are 3313 homes for sale in Northern Kentucky. 10 sold yesterday. You can search through all of the homes for sale on this website, or call an agent to search for you at 859-240-0727...

Mortgage Rates Fall to Record Lows

This just in from the Washington Post:
Interest rates on 30-year fixed-rate mortgages averaged 4.57 percent this week, Freddie Mac reported this morning. That's down just a hundredth of a percentage point from last week's average rate, but it marks the third consecutive week of record-setting lows for the most popular type of home loan. Freddie Mac has been tracking this rate for 39 years.

The 5/1 hybrid loans that are fixed for five years and then convert to an annual rate-adjustment schedule also hit a new low, 3.75 percent. Freddie started tracking that series in 2005.

Mortgages fixed for 15 years rose to 4.07 percent from last week's 4.04 percent. One-year adjustable-rate mortgages pegged to the Treasury index averaged 3.75 percent this week, down from last week's 3.8 percent.

The amount of up-front interest, called points, has remained steady for many weeks, averaging 0.7 point for each type of mortgage. One point equals 1 percent of the loan amount, and a loan with higher points typically carries a lower interest rate.
If you are thinking about buying (or even refinancing), this certainly merits consideration. Who knows how long they will stay this low?...

Federal Tax Credit Filing Deadline Extended

Good news! According to the Federal Housing Tax Credit website:
For home purchases where a binding sales contract was signed by April 30, 2010, otherwise qualified buyers now have until September 30, 2010 to complete the purchase. Congress has extended the closing date to provide buyers who had binding sales contracts in place by April 30, 2010, additional time to complete their purchases.
Chances are that if you had secured a contract on a new home by April 30 and are hoping to qualify for the tax credit, you already know this, but if not, we just made your day!



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