{"id":40344,"date":"2015-11-30T08:00:27","date_gmt":"2015-11-30T16:00:27","guid":{"rendered":"https:\/\/redfindevelop.wpengine.com\/blog\/?p=40344"},"modified":"2020-10-06T17:08:24","modified_gmt":"2020-10-07T00:08:24","slug":"bigger-mortgages-tiny-offices-and-cards-against-urbanity","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/news\/bigger-mortgages-tiny-offices-and-cards-against-urbanity\/","title":{"rendered":"Bigger Mortgages, Tiny Offices and Cards Against Urbanity"},"content":{"rendered":"

\"housing<\/a><\/span>
\nLast week, Fannie Mae and Freddie Mac made it a little easier to get a mortgage. This week, climate talks might actually yield something, Janet Yellen gives us her two cents–<\/span>twice!<\/span><\/a>–and Congress tries to avoid a government shutdown. On Friday, we get the most important jobs report of all time. Also: Cards Against Urbanity.<\/span><\/p>\n

Small Steps<\/span><\/h2>\n

Every year, regulators for Fannie Mae and Freddie Mac decide whether they should help finance bigger mortgages. Generally speaking, they increase loan sizes only if home prices are up compared to their 2007 peak. <\/span>
\n<\/span>
\n<\/span>It’s no surprise Fannie and Freddie\u2019s regulator, the Federal Housing Finance Agency (FHFA), hasn\u2019t raised loan limits for the U.S. since the recession. But last week it did nudge some high-cost neighborhoods into a category that allows the mortgage giants to back bigger loans. As a result, homebuyers in 39 counties (out of 3,007 in the country) will be able to borrow more beginning next year.<\/span>
\n<\/span>
\n<\/span>That tweak to <\/span>conforming loan limits<\/span><\/a> isn\u2019t a game changer. Loans backed by Fannie and Freddie are still too small to finance most hous<\/span>es in hot markets like Boston and San Francisco. That\u2019s good or bad depending on your point of view. The California Association of Realtors says current loan limits, which are capped at $625,500, are too low and holding back the housing market. But do we want taxpayer-backed Fannie and Freddie <\/span>to take on the risk of bigger loans? It\u2019s a policy question Congress has been avoiding.<\/span>
\nFor now, homebuyers in parts of Massachusetts, Tennessee, California, New Hampshire and Washington will be able to get slightly bigger Fannie and Freddie loans. Details here<\/span><\/a> and below.
\n<\/a><\/span><\/span>
\n\"mortgages\"<\/a>
\nWhile we\u2019re at it, here\u2019s another nugget: The FHFA says home prices nationwide are <\/span>less than 1 percent<\/span><\/a> below their high in March 2007. We\u2019re almost back.<\/span><\/p>\n

Etc.<\/span><\/h2>\n

Some cities are beyond back. <\/b>Denver, Dallas, Boston and Portland are <\/span>above<\/span><\/a> their pre-crisis peaks. <\/span>
\n\u201cGeezer jump\u201d.<\/b> Nearly 1.4 million households were created in the past year, according to the Census Bureau. Generally, that\u2019s good for the housing market. What\u2019s interesting is the jump wasn\u2019t caused by millennials moving en masse out of mom\u2019s basement. It was driven by adults 65 to 74. Economist <\/span>Thomas Lawler<\/span><\/a> calls it a \u201cgeezer jump\u201d.<\/span>
\nRegional inequality<\/b>. Why don\u2019t people move to where the jobs are? It\u2019s a <\/span>long story<\/span><\/a>, and high housing costs are one reason. But more and more, geography determines economic fortune. <\/span>(Geek factor: High)<\/span>
\nFun with architecture<\/b>. Do you work from home? Your house probably isn\u2019t built for it, but architects are pondering <\/span>ways to fix that<\/span><\/a>.<\/span>
\nTiny offices.<\/b> Only <\/span>50 square feet<\/span><\/a>, but better than a cubicle.<\/span>
\nForget skyscrapers<\/b>. Vertical cities are the next big thing. You\u2019ll never guess <\/span>where<\/span><\/a> they\u2019re building one.<\/span>
\nThe new niche buyer<\/b>. <\/span>Wealthy Chinese<\/span><\/a>. In Texas. <\/span>
\nA gift idea for those hard-to-please hipsters<\/b>. <\/span>Awesome<\/span><\/a>.\u00a0(What’s a LEED<\/a>? Hint: It has something to do with climate change<\/a>.)<\/span>
\n\"cardsagainsturbanity\"<\/a>
\nWhat do you want to know? Lorraine.woellert@redfin.com<\/p>\n","protected":false},"excerpt":{"rendered":"

Last week, Fannie Mae and Freddie Mac made it a little easier to get a mortgage. This week, climate talks might actually yield something, Janet Yellen gives us her two cents–twice!–and Congress tries to avoid a government shutdown. On Friday, we get the most important jobs report of all time. Also: Cards Against Urbanity. Small […]<\/p>\n","protected":false},"author":13355,"featured_media":39447,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[8],"tags":[],"coauthors":[],"class_list":["post-40344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-housing-market-news"],"acf":[],"yoast_head":"\nBigger Mortgages, Tiny Offices and Cards Against Urbanity - Redfin Real Estate News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redfin.com\/news\/bigger-mortgages-tiny-offices-and-cards-against-urbanity\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bigger Mortgages, Tiny Offices and Cards Against Urbanity\" \/>\n<meta property=\"og:description\" content=\"Last week, Fannie Mae and Freddie Mac made it a little easier to get a mortgage. 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