Our Mortgage Blog in St. Louis, MO

Navigating the Chilled Waters of the Frozen Housing Market

As winter blankets the nation in a layer of frost, it’s not just the weather that’s experiencing a chill. The housing market, too, is exhibiting signs of a freeze, with various factors contributing to the cool-down. In this article, we’ll explore the nuances of the frozen housing market, drawing insights from trusted and verified sources to provide a clear picture of the current conditions. Inventory Constraints The National Association of Realtors (NAR) reports a persistent challenge in the form of limited housing inventory, a factor contributing to the slowdown in the market. Many regions are experiencing a shortage of available...
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Navigating the 2024 Housing Market: Insights for St. Louis Homebuyers

As we step into 2024, the US housing market continues to be a focal point of economic discussions. Specifically, for those eyeing the real estate landscape in St. Louis, understanding current trends and opportunities is paramount. In this article, we’ll explore the housing market forecast for 2024 in the US and delve into what potential homebuyers in St. Louis can expect. Additionally, we’ll highlight how Liberty Lending is positioned to assist individuals in securing the perfect mortgage. Current Trends in the US Housing Market 1. Market Resilience and Growth: Despite global economic uncertainties, the US housing market has displayed remarkable...
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How’s Your Credit Score? How Can You Get a Loan?

To understand the impact of loans on your credit score and credit report, we must first take a step back to understand the foundation of loans and credit. When someone borrows a loan from a lender, they agree to make a certain number of payments for a certain amount by a particular date each month with a possible interest rate. A credit score represents the amount of trust lenders have that someone will be able to repay their debts and financial obligations on time. A good credit, or higher, credit score suggests they are very timely with payments, whereas a...
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Stuck at Seven: What’s Happening to the Housing Market?

The St. Louis housing market, like many across the United States, finds itself in a peculiar predicament. It’s a situation where a combination of factors has created a challenging environment for both buyers and sellers. High interest rates, skyrocketing prices, dwindling supply, and tepid demand have converged to create a market that seems stuck in a state of flux. Read on and explore this perplexing housing market puzzle with our Liberty Lending experts. High Interest Rates One of the key factors weighing down the St. Louis housing market is the prevailing high interest rates. For the past couple of years,...
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Is Your Dream Home at Risk? Let’s Unravel the US Credit Downgrade Impact on Housing

The recent credit downgrading of the United States from AAA to AA+ by Fitch, a major credit rating agency, has sent ripples through the financial markets and raised concerns about its potential impact on various sectors, including the housing market. As a leading mortgage lender in St. Louis, Liberty Lending aims to shed light on the implications of this downgrade for the housing market and outline our commitment to assisting homebuyers and homeowners during these uncertain times. The Impact on the Housing Market Interest Rates: A downgrade in the US credit rating may lead to an increase in interest rates....
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Should You Be Scared of the Supply Shortage?

The US housing market has been making waves lately, defying crash expectations and surprising experts with its remarkable resilience. Despite concerns over a potential housing market crash, prices have remained impressively high due to an ongoing shortage in housing supply. In this blog post, we will delve into the factors driving this phenomenon and explore how Liberty Lending, a top mortgage lender in St. Louis, can assist you in navigating this thriving housing market. The Supply Shortage and Rising Prices The US housing market’s unexpected resilience can be attributed to a persistent shortage in housing supply. Over the years, the...
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Will the Housing Market Sink or Swim in 2024??

Potential homebuyers in St. Louis, MO, considering entering the housing market in 2024, have a keen interest in understanding the market’s stability and future prospects. In this comprehensive article, we will delve into the current state of the housing market in St. Louis, analyze relevant economic factors, and provide insights into whether it is likely to settle down or face a potential collapse. Stay informed and empowered as you navigate the real estate landscape by seeking professional guidance from Liberty Lending Consultants, a trusted lender for homebuyers. Current State of the St. Louis Housing Markets To grasp the outlook for...
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Housing Gridlock in Missouri

In the last few years, the housing market in Missouri has experienced a gridlock, characterized by a shortage of available homes and an increase in housing prices. This trend has been attributed to various factors, including economic growth, population increase, low-interest rates, and limited new construction. Today, we’ll be discussing this housing market gridlock in Missouri and what it means for buyers, sellers, and real estate professionals like Liberty Lending. Girded for Gridlock The lack of affordable homes in Missouri has become a significant challenge for potential homebuyers. In many parts of the state, the demand for housing has significantly...
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