Jacob Littorin MNAEA’s Post

Homebuilders are partnering with land bankers to secure future growth. Land bankers are buying land on behalf of builders, sometimes earning over 10%+ per year yield on investment, while builders gain flexibility and reduce financial risk.    This strategic alliance enhances builders’ equity returns and strengthens cash reserves, paving the way for better projects and a stable, sustainable future. Check out this article by Will Frank, Don Walker, and Danielle Nguyen. #jbrec #homebuilders #landbankers #BMI

Where investors and operators may have been willing to be vertically integrate in the past I can see different groups optimizing their capital and value propositions in specific parts of the value chain with a more risk adjusted return. The main problem I see is that more people will be integrated in the process and potentially drive up costs further with fees and return hurdles. TBD though.

Did You Hear About This? The National Observer: CRE loan delinquencies still rising, but sign of turnaround emerges. Delinquencies among loans backed by commercial real estate are still rising, but a new analysis indicates a possible change inside that increase. We cover that story, changes in the for-sale housing market and more in this edition of The National Observer. http://ow.ly/tCIw105vQ0O #BCRE #FutureForward #Atlanta

Did You Hear About This? The National Observer: CRE loan delinquencies still rising, but sign of turnaround emerges. Delinquencies among loans backed by commercial real estate are still rising, but a new analysis indicates a possible change inside that increase. We cover that story, changes in the for-sale housing market and more in this edition of The National Observer. http://ow.ly/tCIw105vQ0O #BCRE #FutureForward #Atlanta

Life is full of uncertainties. When your financial circumstances change, you might need to adjust your debt repayment arrangements. Some lenders will require you to have made extra repayments on your loan to be eligible for a repayment holiday, while others may grant it without that additional buffer. If you want to know more about repayment holidays, talk to us today. You’re never a loan – talk to us today at 0488 118 089 and we’ll help find a loan that’s right for you. 👉 https://lnkd.in/gffpP2FA Click on my bio to follow me for latest market updates & promotions! 🎉 #huntershill #ryde #carlingford #marsfield #putney #propertyinvestingaustralia #mortgagebrokersydney #sydneymortgagebroker #homeloanaustralia #homeloansaustralia #homeloansydney #propertyinvestmentaustralia #firsthomebuyersydney #refinance #mortgageaustralia #propertyfinance #sydneyproperty #sydneyhouses #sydneylife #australiaproperty #buypropertyinaustralia #sydneyhomes #buyersagentsydney #sydneyrealestate #sydneypropertymarket #topmortgagebrokers

Stay updated with the latest insights into the Australian property market! This week, we cover key topics such as record property sale profits, rising spring listings, cash incentives for home loans, money laundering legislation for real estate agents, and innovative solutions to the housing crisis. Read the full articles below and don’t forget to share and follow for more updates! 🔗 Click the links below to dive into the full articles: https://lnkd.in/ghUuhGXz https://lnkd.in/gRdzMHpP https://lnkd.in/gMbNBDBv https://lnkd.in/geEWeBUb https://lnkd.in/g_2JzQmB 👍 Don’t forget to like, comment, and share this post to stay updated on the latest trends in real estate! Follow us for regular insights. #Hotspotting #TheWeekInRealEstate #PropertyProfits #SpringListings #CashIncentives #MoneyLaunderingLaws #HousingCrisis #RealEstateTrends #InvestmentSuburbs

In my research, it's very apparent how important brokers are, on a qualitative level, to the finance industry. The latest stats back it up too; broker use is at a new high. Housing finance in Australia is a massive industry. There were $584 billion in new loans funded in the last year. And the use of third party originators (brokers) is growing. Brokers now account for 61% of new loans. 5 years ago, that figure was 50%. That amounts to $356 billion in new housing loans going through brokers. A 93% increase on 5 years earlier.

This is a classic example of an aggressive lender walking dangerously on a financial landmine. One fact has always emerged and been consistently established: a positive correlation between property defaults and previous bank failures. The frailty of the Asian financial market is further exposed by the recent and ongoing financial debacle of Evergrande in China. This, combined with the news of HSBC’s significant exposure to the declining Asian real estate sector, puts the region's financial industry under increased scrutiny. In light of these revelations, it is crucial for lenders to reassess their real estate portfolios—both on and off the books—and to initiate concrete remedies. Regulators must strategically approach this situation, ensuring that any measures taken will isolate the matter and prevent it from becoming a contagion that threatens broader financial stability.

As announced on October 28th, Federal Housing Finance Agency's Updates to Enterprise Policies on Appraisals: “… inspection-based appraisal waivers, which leverage property data collected by a trained and vetted professional... [the maximum loan-to-value (LTV) ratio of purchase loans eligible for]… will increase from 80 percent to 97 percent, consistent with standard Guide eligibility requirements.”   https://lnkd.in/eseZYY3h #CostSavings #TimeReduction #HappierBorrowers