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                                  Daytona USA Financial News , September 26, 2021                                                                                  
Quarterly Results of the Real Estate, Retail Sales and Auto Sales show excellent modest activity for 2021.
USA Economics 2021, Just The Facts, on Real Estate, Retail Sales, Housing Market condition and Financial outlook.

Home Loan Rate Outlook is Good! Economic Growth is high at 5.2% inflation rate. Stock Market shows Vigor and 18% Growth in 11 months. About 50% of Americans have less than $1000,00 in the bank.

Real Estate Financial News
9-25-2021 

June 15, 2021                              Monthly

Just The Facts
Daytona Real Estate Investment News is a good quick way to get up to date withe the real estate industry's present and future strategy.

Daytona USA Financial News reports encompass the current market reaction so you may make an informed decision regarding Interest Rates, Real Estate, Retail Sales, Auto Sales  a basis for future  investment strategy. 
Dayrtona USA Financial News reviews the US Government Reports and News Topics of the competitive Wall Street Financial Markets.

We take a close look at the accurate information, current events despite the political rhetoric and propaganda already in circulation. We know your investment future depends on
Just The Facts,
N.E. ROBINSON REPORTER

Tracking America's Future.

 


As of September 25, 2021

ADMINISTRATION REPORT CARD
Biden Administration
DOES THE FIFTH AMENDMENT
APPLY TO REPORT CARDS ?

How good is _50%__?

1st Report Card 6-5-2021
  "A-" USA Financial
"C" World Affairs
           "F" USA & Immagration

COVID-19 in Major Cities, is the economy is improving? Yes.

 The US is showing a substantial improved Economy,  as COVID 19 appears to be nor currently showing a growth in cases or death rate. It has remained level.


Noted: Economy has improved since 2016 to 2019 and started again about September 2020.

Currently the stock Market is UP and Real Estate Interest Rates are low. Gasoline Prices at the Pump are about 50% higher than January 15,2021. Wholesale and Retail sales prices are also up from 5%-20% in different areas.

Wages have not increased. The current immigration (illegal to USA Law) will lead in all probablity to low wages not being increased and jobs lost, between now and 2022-2024 elections.

The real poverty level for Americans is 50%+.  It is calculated as income and expense of 4 person familys. 

The poverty level is likely to increase plus the tax consquences (paying for immigrants that are going to take the low paying jobs from Americans) a result of open immigration for/by the Democrat Socialist government.

__

Noted: January 2020, a surprise COVID-19 Virus is unleased by China Hunan on USA and 187 Countries Worldwide slowed the USA 2021. Economic Growth, that is now being reaccessed. The Delta Virus (COVID 19-2) has been unleashed.
___


Link
Cartoon Stamp


 

September 25, 2021
Breaking News Top Story

Prime Lending  Rate
3.25%  as of 6/15/2021 - A Year Ago 5.50%

USA Existing Home Sales:
Down  -8.7% (Jan.-May1, 2021)
Down for Last 3 months, some hot spots in the USA showing a +.

Mortgage Rates:

Down:  2.5%-3.00% approximately with a 700+ credit score.

Rates available from  2.49% are  under 80% LTV, 700+ scores. Rate could be much as 3.75% at a 680+ Credit Score and or  90% LTV  or FHA Loans. Lower rates continue spur the existing real estate market.

_

Exisiting Home Sales: 
Up to $356,000 as of September 1, 2021. 
About $24,000 lower than the May figures.

New Home Sales:
Average Price September 25, 2021   
              $367,590 Census Bureau 

New Home Sales only count for 10% of total home sales and are unverified as they will not be sold until a future date (if at all by said date, said price).

USA Retail Sales: Down  -1.1%, for May thrugh August 2021 


USA Auto Makers 
In 2021 the 1st Quarter was +8.0%
recovering from -15.0% in 2020.
But still -6.1% under 2019
.

Auto Sales were down in August 7.0%. They should rebound 7%-10% for the year. Possibly 2.5% gain over 2020.


September 25, 2021 Continuing

Summary Report

September 25, 2021
Will 2021 be any better than 2019, 2018, and 2017?
The economy has grown over the last 8 months compared to 2020. Income has not grown.
Year 2021 of COVID-19 has not improved as expected, remained even, with vaccinations.


COMPARISON:

Forclosures: Year 2020 to June 2021
Annual update 12/31/2021 forthcoming
USA Foreclosures drop Down to a Low of 0.16%. Trump Administration

In 2010 it  the Foreclosure rate peaked at 
2.23%. Obama-Biden Administration

Food Stamp Recipients:

40,822,950 Sept. 25, 2021 - Biden/Harris
Down from May 2021

37,249,503 July 21, 2020 - Trump/Pence

Comparison: What to expect?
43,921,608 August 3, 2020- Trump
                   Off - Set for COVID-19 Virus

47,269,028 August 3, 2016 Obama-Biden

__________

Sept. 25, 2021 Food Stamps  40,822,950
COVID 19 Era
August 3, 2020
Food Stamps Down -11,993,637 Million as of November 7, 2019.

Eleven Million-Twelve Million Less
on Food Stamps in USA in less than 3 years ago. 47,457,996
__________
Americans in Poverty
36,390,924  September 25, 2021 - Biden

35,872,972  August 3, 2020 - Trump
COVID 19 Era
_________
Americans in Poverty - History
45,179,684  Sept. 25, 2016   Obama-Biden

_________
Noted: In Poverty $26,500  -  $53,000
Sept. 25, 2021         36,390,924 
Emerging from COVID

August 3, 2020       35, 872,917  Trump
Mid COVID
______________________________ ______________________________
National Debt: Sept. 25. 2021 
-$28 Trillion 806 Billion. 
 Break it down:      -$85,047 Per Citizen or
                             -$ 228,610 Per Taxpayor
Costs increased $2,500 per taxpayor from May-September 2021

Over
-$5 Trillion   93 Billion COVID 19
Total Cost of COVID 19 is estimated at $16 Trillion Dollars
-------------
Archive:
-$23 Trillion 254 Billion Excluding COVID 
-$23 Trillion is the implosion Debt level for USA ecomomy.
Debt exceeds Payments on National Debt

HISTORY : Last 10 Years 2010-2016-2020

From 2010-2016 August 3, 2016
Up +$8 Trillion 963 Billion Dollars
added to the National Debt: Totaling
-$19 Trillion 810 Hundred Billion Dollars.

November 2010 - Obama Biden
National Debt:
$-10 Trillion 847 Billion

2016 Obama/Biden

$-19 Trillion 810 Billion 

Obama/Biden

$-8 Trillion   963  Billion 
$-5 Trillion National Debt and
$-3 Trillion Federal Reserve Bank        Obama/Biden

No COVID-19 
__________
2016
Debt had reached the Implosion Factor that was a set base on the National Debt to be accruing by 2023. Approximately -$23 Trillion
The limit when the November 2016 election occured was just $3+ Trillion short of USA implosion. Obama-Biden

The Implosion Factor is:
This is the result of over budget consistantly and Interest is accruing faster than the Debt is being paid.
___________
November 7, 2016 - Change in Presidents
National Debt 20 Trillion 081 Hundred Billion
___________

August 3, 2020 - Trump
National Debt 26 Trillion 597 Billion
Includes Stimilus and COVID-19 Issues.
About $3.2 Trillion Dollars to and for the People for COVID-19). More issues Pending, as of this date, antidote has been reconized and being administered.
COVID 19 Year to date $4 Trillion 093 Billion+. May 30, 2021(+-300 Billion)
____________________________________

History: 6-1-2021
Prime Lending Rate for the USA 3.25%
Down -1.5% as of July 21, 2020
from 11-14-2019 when it was 4.75%.

Foreclosures up Down as of June 1, 2020.
Approximately 1/2 of 2018 due to Lower interest rates. 

National Debt: rises to: 
-$28 Trillion  347 Billion May 30, 2021
September 1, 2020 it was -$26 Trillion 705 Billion. (Including COVID 19 & Stimulas)

Noted: $750 Billion Annual, is War Debt inherited from the Obama-Biden administration.

The National Debt has risen from -$19 Trillion + to -$23 Trillion+ in  just less than 4 years. 


Note: Administrations :
National Debt, "Interest", "War", and "Expenditures for America" grows the National Debt.

History:
National Debt August 3, 2020 
26 Trillion 597 Hundred Billion - Trump
COVID- 19 Starting in January, 2020

Note:

National Debt from January 20, 2009;
-$10 Trillion 875 Hundred  Billion
Includes Mortgage Fraud Debt
Bush responsibility 2008 and prior.
Paid during Obama-Biden Administration,
October 2009
___________________________________
Editorial Message: 
As of this Date 6-1-2021  the Democrats want to add more debt on to  America,  and the American People. With no return to Americans, America just 20% more unpaid debt. 

Add -$6 Trillion to your National Debt, Biden says it's speculative items. No real gain spelled out for the People. Just new debt. That's an increase to the National Debt of 20% or more.

National Debt Interest is $378 Billion Dollars October 2020 thru September 2021. Taxes incoming to USA for payment is approximately $400 - $500 Billion a year. America will engulf is in the very near future if not right away.

The COVID 19 virus is why the USA is at an implosion level at this time. (Debt exceeds any possible pay down of interest and principal). The USA is over the implosion level -$5 Trillion today due to COVID 19.

In all probability this is why the Democrats have a lot of money to spend on the 2020 election and Own or control the Board Of Directors 6 of the 7 largest TV stations and more Papers in the USA, as of this date. They tell you what they want you to hear. "They don't explain or publish in newspapers the cost and how it it going to be repaid.

Obama/Biden was -$8 Trillion over budget from 2008-2016 and the American people received 0.00  or less to show for it. The Federal Reserve Board is to this day silll writing off (Not Paying) -$3 Trillion Dollars of that Debt. And it is America's debt.


No Pay back by the borrowers compliments of Janet Yellen former Federal Reserve Chair, from the Federal Reserve Bank who loaned the money out
-$3 Trillion all or in part  and initiated the no pay back. The FED is still writing it off.
(The USA Dollar is worth less)

Did you get any of that money?
Why not? Who did?
No, you got just the debt.
___________________________________

History:
3.25 Prime Rate    6-5-2021

3.25% Prime Rate 9-1-2020
4.75% Prime Rate 10-31-2019
5.50% Prime Rate 2019-2018 

 

2021 Home Sales Average:
Sept. 25, 2021 - $356,700  
Market has recovered to pre COVID-19 Level.                Location-Location-Location

Existing Homes Price $356,700
ANNUAL Growth "Benchmark" Speculative Estimated at:
___________________________
New Homes  $378,000 (Location) +-
+7.50%

 

4 Year Comparison
USA Home Sales For 2020  _______ 

USA Home Sales For 2019  Level 
USA Home Sales For 2018 (-0.58%)

USA Home Sales For 2017  +0.23%
USA Home Sales For 2016  +0.17%

Mtg. Rates stay Low as USA Home Sales Rise June 1, 2021.

 

Archives
Today Fed Rate is 3.25% as of 6-1-2021
As Of 10-31-2019

Fed Lowers Interest Rates to 4.75%
 

Changes in the Market Rates.
Residential Real Estate 
2.49  for 30/30
June 5, 2021



 


Daytona Real Estate Investments
Homes and 2-4 Units

Business Opportunity
Secured Yield Up To 33.5%

Daytona Target Investments
Homes
 Commercial  Multi Family
Redevelopment and Reinvestment
6-3-2021 

  

USA Financial News
Monthly
 US Census Bureau
Estimates

Housing Starts 2021
Compare 
month to month
Chart

Revised Figures Pending Estimates Below 
Housing Starts
Jan. 2021
Feb. 2021
March 2021
April 2021
May 2021
June 2021
July 2021
August 2021
Sept. 2021
Oct. 2021
Nov. 2021
Dec. 2021

Stats   -    Monthly

0 %
0 -10.3%
Up 37.0%
Up  19.4%
Up 3.6%
0 %
0 %
0 %
0 %
0 %
%
0000 0000%
New Home Sales
Jan. 2021
Feb 2021
March 2021
April 2021
May 2021
June 2021
July 2021
Aug. 2021
Sept. 2021
Oct. 2021
Nov. 2021
Dec. 2021
4.4 Mo. Inventory* 
%
%
UP 20.7%
Down -5.9%
Down -5.9%
%
%
%
%

%

    %

%

 


Projected New Homes

 * May 1, 2021 Year on Year Home Sales Rounded Up 20% over 2020.
This is only 10.0 of the Housing Market
___________

New Home Sales only account for about

10%- 11.5% of the Housing Market and are Projected Sales to be confirmed at a future date.

 

RETAIL SALES  DATA
MONTHLY
Monthly Annualized Growth Rate 6.20%
RETV News Data

Long Term Annualized Growth Rate  
+%   (Census Bureau)
___________
June 25, 2021
_______________________
 Year end December 2021      %  

January 2021
US Retail Sales 5.3%
February 2021
US Retail Sales 10.7%
March 2021
US Retail Sales

9.8%

April 2021
US Retail Sales 0.0%
May 2021
US Retail Sales -1.3%
June 2021
US Retail Sales %
July 2021
US Retail Sales %
August 2021
US Retail Sales %
September 2021
US Retail Sales %
October 2021
US Retail Sales %
November  2021
US Retail Sales %
December 2021
US Retail Sales
%

Commerce Department Revised
________
Noted:  + Good

 

Report data subject to change + or- subject to revision. (R)
Note from RETV.News

A 3.50% to 5.00% Benchmark
in Retail Sales is a good average for a healthy USA economy.

 

Stamp
 
Man

9/25/2021 
   Rates  
 

Lowest
Wholesale Rates Market Trend 
 Down  
V

9/25/2020 
 510,000 Conforming

30/30 2.40%   v  
15/15 1.65% v
5/25 1.90% ^

V

Wholesale Rates
1 to 2.00 Point Cost
Subject to Rate

+$510,000 Jumbo
Market Trend Flat

30/30  2.75% =


1 to 1.5 Point Cost
0 Point Cost add
+.25% to Rate.
Lender Dependent

Commercial Retail
7 Yr. Fix due in 20
4.875%   

0 Point to 6 Million

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Daytona USA Financial News:
September 25, 2021 

Newsworthy Story:

September 25, 2021
Biden administration has kept the economy stable for 2021 to date. The personal American citizen has received adverse treatment from the administration on every front. The most devestating, may be, the immigration issue and jobs in the future to date.


June 15, 2021
G7 Summit  results to America to follow.

June 10, 2021

Real Estate Loan Market is down under 3%, and great for purchases and refinances. Real Estate market is up in certain areas. It is showing down -2.7 in May. Nationally in 2021 the market is down but up from a year ago, month 2021 to month 2020 with upswing potential as we move closer to the last quarter of 2021.
With a positive response to the COVID 19 Vaccinations more states will in all probability come inline as we progress.
The stock market is excellent and looking for more upward gains as we move towards year end.
 

Archive Data:

September 24,2020
Interest Rates hit new low with loans under $417,000 available at 2.87% at 2.5 points. Higher rate lower cost. 
Jumbo loans are at 3.03%. Subject to ,market fluxations.

September 1, 2020
Trump running for re-election as USA economy jump starts. This is primarily because the USA had a good foundation for the preceeding 3 years. The COVID-19 Virus held the economy at a stay for the first 6 months of 2020.

August 19, 2020
Stock Market regains its previous high position. Interest rates are down -1.25% and the Housing Market is seening high monthly transactional volumn and prices and volumn are now showing a perspective or positive depending on you current market area.

August 3,  2020
Growth has slowed because of the outbreak of COVID-19 in the begining of 2020. Many businesses were shut down for a period of 3 months and are now just begining to Re-Open.
So far this has been a 2+ Trillion  Dollar Cost to America.

The Virus and now  Riots waged by Looters and so called Activists who also acted in distroying American History, appears to be fueled somewhat by Democtratic Politicians, Governors and Mayors, who have de-funded the Police in some cities, leaving the citizens to protect themselves.

Obama-Biden had increased the Police during their administration. Now under Riot conditions it is being decreased? 

Trump has offered the Cities support to get the issues under control but apparently the current Democratic Government of those Cities, in most cases, don't care to stop the Riots on behalf of their citizens.

America is still edging ahead of the 2016 economically.

November 14, 2019
The over all USA economy has improved over the last three years under the Trump administration.

This is  dispite of the Democratic Party, aka (Socialist Party as self proclaimed) objections and lack of support to help Americans get back on their feet after their Administration from 2008-2016 left the middle class of Americans out in the cold. Democrats scooped up on 6 TRILLION Dollars of funded overage that resulted in National Debt. In addition there was another 3 TRILLION borrowered from the Federal Reserve Bank that is not being repaid and written off that was the action of Janet Yellen 2014-2018, appointed by the Democratic(Socialist) Party. Her tenure was the 3rd shortest since the mid 1930's.

This action(s) of the FED affects the value of the dollar world wide.


June 19, 2019
GDP Gross Deomestic Product up 3.1% for the first quarter of 2019. Trump, in a bid for re-election boasts of economic developments for the USA. These included, employment, promise that higher wages were on the forefront as immgration is controlled on the southern border, a stronger America and economic developments for business.

A 15% to 25% more home ownership is needed for America.

June 12, 2019
As Democrats do not wish to participate in a revitalizing of the USA economy the major indicators continue in its down ward spiral.
A brief indicator of this is 49.1% of Americans do not qualify for the Average Home. Auto Sales continue to struggle and Retail Sales are slow.
See USA Newsreel for more details. Link

March 7, 2019
Everybody is fabricating their figures of a downtrending US economy. For the last quarter December thru February numbers are coming in below 0. How can that be good. One of the problems is Trump is being neturalized by an unwilling and pro Socialistic Democratic Congress. You don't have to be a genius to know not everything proposed by the new administration is anti Democratic. No matter what it is, it seems the Democrats (pro Socialism) say no. Did you know that in Canada a pro-socialist counrty if you buy a 5th of liquor it is $65.00 or more. In the USA the same bottle is $15-$20 Dollars.

January 4, 2019
Currently there is no active budget for the USA. The dispute between Congress and the Administration hinges on the barrier wall at the Mexico USA border to keep illegal aligns out of the USA. Illegals have been flocking in the last 10 years without going through the necessary immigration procedures.

There is little attention being given to increasing sales in America. A measure that could be taken is increases in earnings and wages to promote sales internally. America has always been self sufficient.


December 5, 2018
Trump administration indicates that the increase in interest rates without cause is affecting the economy now and in the not to distant future. Trump said that the interest rates are running to far ahead of the economy. Therefore stag-netting it in part.

October 15, 2018
The Democrats that still control some of the economic positions are doing nothing due to the election in November. They feel if they do what is needed it will reinforce the Presidents position.
Currently, Retail Sales, Auto Sales and Real Estate Sales are suffering the most.

August 28, 2018
Real Estate Sales continue its downward spiral. Only the top 50% of Americans seemingly are the only real buyers participating in the market since the beginning of 2018.
July 15, 2018. In contrast the Retail Sales markets  and Auto Industry are experiencing the same economic downturn issues.

This was addressed by Trump in a meeting about a month ago with Jerome Powell Chair of the Federal Reserve Board who is proving to be another FED Bureaucrat. The primary issue of the meeting is that interest rates are going up faster than the economy is improving therefore stifling the rebounding USA economic picture.

July 15, 2018
Real Estate Sales still underwater for 2018 at -0.40%. Retail Store Chains continue store closures nationwide. Auto Dealers are offering Manufacture discounts and financing to move inventory before year end.

Mortgage interest rates are edging up to the 5% to 5.5% level as the FED continues their Prime Lending Rate Increases. The result of the rate increases is that it eliminates a large percentage of First Time Home Buyers, that are the thrust of the move up real estate market and mortgage loan applications.

June 12, 2018
All major economic indicators such as Real Estate Sales are Down -2.5% in April.  Retail Sales edged up just over 0 to +0.2% (2 tenths of a percent) and Auto Sales depending on Makes and Models are up and down.

How much is 2 tenths of a percent. Well cut up a penny into 10 equal parts. Two of those ten parts is 2 tenths of a percent.


May 15, 2018
USA Economics remain static as they have been since 2016. Real Estate Flat 0.26%, Retail Sales Flat 0.06% and Auto Sales Flat.

April 14, 2018
National Real Estate shows a average (-1.26%) market decline for December 2017, January 2018, February 2018 quarter. 

Retail Sales have a  average(-0.10%) market decline in the same period and struggled for the all of 2017. This has resulted with major chains opting to close 10%-15% of their retail centers nationwide in 2018 due to poor business and forecasts.  

Auto Makers are giving Dealers Year End incentives to move an already sluggish 2017 now 2018 inventory. Year end discounts have continued into the new year of 2018. 

The Unemployment Insurance Benefit Rate of unemployed workers is at a low of 4.1%.  What is not noted by the Federal Reserve Board is the Actual Unemployment Rate  that includes workers that have fallen off the Benefit noted above, which is over 13 Million Americans or 11.92% of the employed work force. In addition it does not take in account 25.80% approximately, of the work force that is at the Poverty Income Level even when working and on Food Stamps. Over 50% of the employed are under the USA average income level.

Jerome Powell the new Chair of the Federal Reserve Board Open Market meeting on March 21 and 22, 2018 and the Board of Governors all voted 8 to 0, to continue the predetermined
(Socialist objectives agenda set forth in 2016) when compared to (Democracy-Capitalism move with the market American system). Simply put the FED position appears to be: We're going to take Americas money and run with it and leave America behind.
 

March 19, 2018
As Mortgage Rates Rise and Home Ownership Buyers become less existent with existing home sale down (-3.45%) nationwide in 2018, the FED and Washington has done nothing to correct the err.

Retail Sales of large item purchases and overall sales have dove into negative numbers in the last half of 2017. The first 2 months of 2018 has been no different.

USA businesses need to  to develop economically at a "growth at a rate" pattern. Why?

Jobs have increased, but only at the minimum wage level with slightly better than a sweet shop corporate mentality. The corporate sweet shop mentality does have a foundation, which is, the current and continuing 2009-2016 political administration that is continuing to over shadow the "Make America Great Again" plan.


February 15, 2018
Housing Market Sales Down -3.6% in January 2018.
Home Loan Interest Rates begin to soar more quickly. They are up +25% in the last week from 2-1-2018 to 2-8-2018.  Rates saw a similar increase in January 2018 of +.25% to +.375%. Overall for 2018 first 45 days Interest Rates have increased .50% (Up half a percent since the Feds 12-14-2017 last increase). USA Home Sales  Average for a no growth 2017 is +0.23%.   
                               
December 27, 2017
Retail Store Major Chain Closures
Retail Stores survive Black Friday with sales up approximately 1% over 2016 Sales for the same period of November and December. Retail store closures of major chains are still forth coming for 2018. Retail Sales for 2017 remain barely above Zero.

November 16, 2017
Black Friday Holiday Sales
As Black Friday approaches their is no good news for Retail Sales in America.  With Sales just above 0-Zero, the Retail Stores embrace the hopes of lower prices will stimulate Store Chain Sales to prevent further store closures in 2018.

October 24, 2017
Retail sales are up for the month of September but came in lower than expected. The up swing is in all probability is from Christmas orders and not an improving USA economy.   USA Home Sales were up +0.7% for the month of September 2017. Nationwide Home sales average for the year is at about 0%  or slightly negative (-) compared to 2016. 
                       
 
October 10, 2010                                   
American's and America brace for the impact of the FED next arbitrary interest rate hike as promised by the Washington Bureaucrats. The Rate Hike is fueled by the FED Chief Janet Yellen a Democratic Appointee from the prior 2009-2016 exiting administration. Can America afford a new recession in 2017?

The FED doesn't seem to be interested in America or America's future. The Dollar is has been and is currently struggling under the current state of affairs regarding a over spent, pork belly former administration. How will the dollar react when the past debt of the 2008-2016 administration  becomes a Federal Reserve Board "Write Down" of  100's of Billions of Debt not paid back by the outgoing 2009-2016 administrations constituency.

September 28, 2017
All major economic indicators for the USA are Down again in August  2017. Retail Sales are at -0.2%, Housing Starts at -0.8% and New Home Sales fall again -0.4% as the New Recession emerges in full strength.
                      
 
August 18, 2017
U
SA economy shows continued weakening in Retail Sales, Real Estate and Consumer Confidence.                                        

July 18, 2017                                 
Home Sales in May 2017 have leveled out after 10 months decline beginning in July 2016. The steady decline from July
2017 thru May 2017 aligned itself with the FED and Fannie Mae and Freddie Mac interest rate hikes. This adjustment to home prices was up to approximately -$17,800 since July 2016.
In May and June of 2017 prices leveled due to the fact that there were a lack of home sales in the 0-$100,000 range coming in at a -7.2% and $100,000 to $250,000 coming in at 2.0%, approximately -20%  lower from the preceding month of April 2017.

The  up end support for the market leveling out was from home sales above $250,000. The current result of the FED action is apparently choking off about -30% of the real estate purchase market, not to mention the mortgage loan volume that is also down..

July 1, 2017
US FED interest rate hike drives USA economy deeper down heading the USA into recessionary levels on productivity, Retail Sales, New and Home Sales over the past year and current Auto Sales. The FED writes off America and Americans and calls it a day with unemployment insurance benefits (a 12 month benefit term) improving. The unemployment insurance level is not a calculation for actual unemployed Americans.
                                   
 
                                       June 6, 2017
Fannie Mae and Freddie Mac Mortgage Rates are easing down to about 3.50%, but it appears the Banks are not following. This may be in anticipation of a future FED Rate Hike to the Prime Lending Rate and Federal Funds Rate that have a direct and indirect influence on Mortgage Interest Rates.

June 2,
2017
USA Existing Home Sales Down -2.3% in April. Cumulative average for 2017 is +0.4%. Retail Sales are at all time lows. Auto Sales for 2017 are less than 2016 for the first 5 month of 2017. To date the FED has not made any moves to improve the depressed USA economy. FED meets again June 14, 2017.
   
May 24,2017
USA New Housing Starts hit the Wall, Down -2.8% in April and -6.8% in March  and -2.6% in January 2017.

New Home Sales crashed in April -11.4% zeroing out
February and March 2017 gains.  Retail Sales stumbled again at +0.4%. US FED continues to ignore USA economy downturns.                              

May 16, 2017    
Retail Sales:
for April 2017 came in a 0.4% approximately -0.2% less than expected.  The first 4 month average of Retail Sales is a depressing .18% about -3.2% under the low benchmark.

A healthy USA Retail Sales figure would be between +3.5% to +5.0%.       
                      

May 1, 2017
USA Major Retailers Store Closures:  
Retail Sales for March 2017 -0.2%.
In a lack luster American economy, Americans and American business try to weather the economic storm.  You may have heard of a couple of the following stores, Sears, JC Penny. Payless, Radio Shack, American Apparel that are among the highest in USA Store Closures for 2017, as reported by the Labor Department  employment statistics. Why are these USA Major Retailers closing? No business. Why is there no business? The consumer has no extra Dollars to spend. Why is there no extra dollars to spend?

Simply put, because the American Purchaser also know as the Goose that Lays the Golden Egg is being goosed.  Many Americans today have to carry 2 part time jobs. Wages over the last 8 years are down 30%.  The TRUMP Administration was left with a 8 years of 1.5 Million less Actual Unemployed Workers.The FED is escalating interest rates in a depression/great recession economy. Potential home buyers and step up home buyers and sellers are being squeezed out of the market by monthly and quarterly interest rate increases that are a result of  the FED actions.                       

April 6, 2017
Retail Sales Low:
Retail Sales have been very low for 2017 year to date. New Home sales which accounts for about 10% of the USA Housing Market have shown a good result, so far for 2017. Existing home sales are underwater for 2017 resulting from a down trending 4th quarter of Home Sales in 2016. In the third quarter of 2016 Existing Home sales appeared to be heading for a year end upswing before interest rates increased almost a 1.0% in 4 months. Since then the FED has raised the Prime Lending Rate which in the final analysis comes back on Americans as higher interest rates on all credit products.

The National Debt decreased in February and March 2017 as did Money Printing. This seemingly shows a strengthening of the USA economy. The reality is the debt increase scenario, the doubling of the National Debt since 2008, will at some point begin the increase of the National Debt.
 
US FED  continues to ignore the need of Americans to have capital gains to stimulate the America jobs, income, productivity and retail sales.

               

March 10, 2017
National Debt Down:

The National Debt is Down 31 Billion in since January 2017 as of March 10, 2017. This is significant since the National Debt has been adding 40 to 50 Billion a Month for quite some time. The Net improvement is about 70 Billion Dollars in about 60 days. In addition the Dollar Supply " printing new money utilizing the Taxpayer as security for the currency" is DOWN over 121 Billion". These two factors if they continue, somewhat demonstrate that the American economy has the where-with-all to improve.

Mortgage interest rates have stayed flat at 4.375% in January and February 2017. USA Home Sales fluctuated up +3.3% for January 2017. Retail Sales came in slightly higher in a lack luster USA economy. New Home Sales were Up 3.7%. New home sales account for about 10% of the Housing Market.

The basic issue today for the Trump administration is that the American consumer lacks viable Capital to stimulate its own USA economy. In the last 8 years the government and investment focus has been in foreign investments leaving USA Main Street citizens behind.

February 3, 2017
Mortgage Rates:

Fannie Mae and Freddie Mac jump Mortgage Interest Rates in last quarter of 2016. USA Existing Home Sales Market Drops -6.00% in 3 months as FED increase the Prime Lending Rate on December 16, 2016. This move by the FED increases the probability of static growth and will slow a moving forward under the new administration's plan.

January 10, 2017
Stock Market:
The Stock Market reacts bold to the President Elect Donald Trump plan for America. Bond Markets still struggle. The Federal Reserve Board ignores their target set for the USA economy of a 2.0% Inflation Rate for the USA economy and raised Interest Rates in Mid December with a current average Inflation Rate is 1.19%. A Inflation Rate of 1.0% is considered a economic depression level for a Top 10 Country. Interest rates worldwide have been at low or negative interest levels since mid 2016. This is a blow to the USA economy especially for a new President with stronger internal economic goals for 2017.

 Dated Sample +-
USA Economy Actual Baseline Model Month

MAR
2016

Nationwide Statistics for the Month of March  2016

%
EXISTING HOME SALES are Up in March over Mar.2015 5.1%
SINGLE FAMILY Homes For Sale prices eased Up. 5.5%
SINGLE FAMILY Condo's For Sale prices eased Up. 1.8%
AVERAGE PRICE CHANGE per "Home For Sale", Up. 3.9%
Commercial Building in High Metro Areas and "Multi Family residences upswing".  

USA National Real Estate Sales continues to move up and down depending or your area, as FED maintains Low interest rates for growth purposes throughout USA. Multi Family continues on the rise.


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