Trulia: Here’s what will happen in housing in 2019

Mortgage rates will hit 10-year high
It’s the trillion-dollar question that everyone’s looking for an answer for. What’s housing going to do next year? A new survey and forecast from Trulia shows that people want to buy a house, but they may not be able to afford it right now thanks to a combination of rising rates and rising home prices. The bad news is that it’s likely only going to get worse in 2019.
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[Op-ed] How to decide between a HELOC and a cash-out refinance

Here are some variables to consider when thinking about accessing your equity
Home equity loans are on the rise with interest rates convincing more homeowners to stay put, and studies predict this trend isn’t about slow down anytime soon. But if a homeowner is considering using some of their equity, how do they decide between a line of credit and a cash-out refinance? Here are some significant variables to consider.
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Redfin: Luxury home market takes a breather

Luxury home prices experience lowest growth rate in nearly 2 years
In the third quarter of 2018, luxury home prices increased 3.2% year over year to an average of $1.7 million, according to the latest data from Redfin. Redfin Chief Economist Daryl Fairweather said the slow pace of price growth can be attributed to the stock market.
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Zillow 2019 forecast: Rising mortgage rates will drive resurgence in rents

Here's what rents will do in 2019
Newly released data from the Mortgage Bankers Association shows that 30-year mortgage rates are now firmly above 5%, and according to real estate giant Zillow, things are likely to stay that way in 2019. And that's good news for landlords, who will see increased demand for rentals as some people are priced out of home buying by higher interest rates.
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First American: Home prices point to trouble ahead

Data reveals Americans need income growth
Home prices have climbed 15.3% year over year, signaling affordability concerns lie ahead, according to First American's Real House Price Index. First American Chief Economist Mark Fleming said without stronger household income growth, rising mortgage rates will continue to impede consumer house-buying power.
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Case-Shiller: Home prices can't seem to get ahead

Annual gains slow down for second consecutive month
For the second consecutive month, annual home price gains have slowed across the country, according to the latest Case-Shiller Home Price Index from S&P Dow Jones Indices and CoreLogic. One expert said home prices plus data on house sales and construction confirm the slowdown in housing.
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Here are the cities with the oldest homeowners

Florida dominates with Pennsylvania close behind
The average age of a homeowner living in the largest metropolitan areas in the U.S. is 54. According to a new study by LendingTree that used Census Bureau data to rank cities by average homeowner age, Florida has the oldest homeowners while Utah has the youngest.
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Here’s how you can get a perfect 850 credit score

And is it really worth it?
There are a lot of actions Americans can take to improve their credit score such as making payments on time, keeping credit balances under 30% of the limit and taking out a range of credit types. But while this will improve your credit, how do you get it perfect?
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