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Biggest Down Payments in the Country Found in New Jersey

According to LendingTree, the national average down payment on a home today is 12.29 percent. However, in New Jersey borrowers are putting down nearly 1.5 percent more than that, making down payments in New Jersey the highest in the country at 13.76 percent. The state is followed closely by Washington, D.C. with 13. 54 percent, New York with 13.51 percent, Read full article »

Cold, Hard Numbers: 0

0: Amount that Freddie Mac is factoring in credit score for refinancing. In early January the GSE announced that it would eliminate the minimum credit score requirement for borrowers wanting to refinance (it used to require a minimum score of 620). However, Freddie is still requiring at least 20 percent equity in the home. Fannie Mae recently removed the requirement Read full article »

BEREL Travel Diaries: Aquatic Adventures in Vegas

When you think of Las Vegas, you probably think of a lot of wild things, including gambling, drinking, partying and a lot of nearly-naked, bejeweled ladies wearing feather headdresses. Then, if you’re like a lot of people, you think of the tab you’ll run up enjoying all the aforementioned revelries and you decide quietly, calmly, rationally and regretfully to stay Read full article »

What You Said: January 2-7, 2012

The New Year kicked off with some pretty exciting news in the real estate and investing sectors. Here’s what you had to say about some of our most-talked-about news coverage: RE: “Federal Reserve Recommends Expanding GSEs to Turn Housing Market Around” Summary: In a 26-page white paper submitted to legislators this week, the Federal Reserve recommended expanding Fannie Mae and Freddie Mac, Read full article »

President Bypasses Congress, Appoints Director of the Consumer Protection Bureau

Last December, the Senate rejected President Obama’s choice for director of the Consumer Financial Protection Bureau (CFPB), Richard Cordray. Not be deterred, however, the president simply waited until Congress was in a recess (although the Senate was actually in a pro forma session, just as when the payroll tax cut was extended) and appointed him anyway,  leading many to protest Read full article »

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The Politics of Real Estate

Few industries are as profoundly impacted by the political machinations in Washington as the real estate industry. Whether it's old legislation like Jimmy Carter's Community Reinvestment Act or Barack Obama's massive mortgage bailouts, the U.S. political machine has a huge impact (usually bad) on the business of real estate.

Ideally, we could ignore politics. But here at the Bryan Ellis Real Estate Letter, we insist on seeing the world with clarity - including the reality of Washington's aggressive involvement in every facet of our business, from mortgage lending to real estate sales license; from loan modification regulations to appraisal requirements... every piece of our business is profoundly impacted by politics. So rather than stick our heads in the sand and ignore reality, readers of the Bryan Ellis Real Estate Letter choose to be informed and prepared.

About Bryan Ellis

Bryan Ellis is an Atlanta-based real estate analyst and publisher of the widely read newsletter "The Bryan Ellis Real Estate Letter". With over 200,000 subscribers - including real estate investors, agents, brokers, appraisers and other real estate professionals - the Bryan Ellis Real Estate Letter is among America's largest sources of unbiased coverage of politics and public policy for the real estate industry.

Bryan Ellis serves as editor in chief for the Bryan Ellis Real Estate Letter and is assisted by an extraordinary staff of writers, researchers and editors who are each real estate experts in their own right and who assure that the news we report is well researched, factual, and highly relevant to today's real estate industry.

Bryan is very happily married and has two wonderful daughters. He makes his home in the suburbs of Atlanta, Georgia. You can contact the team at the Bryan Ellis Real Estate Letter here.