US Cities Where Interest in HELOCs is Most Significant - Google Trends

Searches for HELOCs appear more frequent in Irvine, Honolulu and Denver with Seattle and Charlotte rounding out the top 5. The map below shows the cities with significant search interest. Disclaimer - This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product.

Personal Loan Rates at Commercial Banks Trending Up

Data from the St. Louis Fed shows rates on 24 month personal loans trending up in recent quarters. The recent increase in rate has not kept pace with the increase in 2 year treasury yields. The spread of the loan minus treasury rates has decreased from a peak of 10.67% in May 2012 to 7.81% in May 2018. This decrease of almost 300 basis point may be a result of banks getting more comfortable with personal credit. For banks to maintain this spread personal loan rates will increase as treasury bond rates increase. Tableau: https://public.tableau.com/profile/paul.mangione#!/vizhome/FinanceRatePersonalLoans/LoanRate Disclaimer - This material has been distributed for informational purposes only

Institutional Investor Focus on Traditional Fix & Flip Loans

Institutional investor focus on traditional Fix & Flip (or Hard Money) loans has been the result of several factors. The primary motivation for the increased focus is displayed in the above chart. Fix & Flip loans have a higher yield for assets of similar maturity. In today's market, assets with similar yields are closer to maturities of 8-10 years versus the 1.5 - 2 year duration for the loans. Improved business intelligence (BI) tools for real estate are another factor in the increased institutional focus. Better methods for the valuation of residential properties in current condition and after repairs allows the institutions to sort through more opportunities before committing costlier tr

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