About Kris Barros

Kris Barros is the Director of Corporate Communications at Embrace Home Loans. He always has his eye on the market and real estate industry in order to bring you the most up-to-date, relevant mortgage news.

Taking a Moment to Step Back Before You Step Forward

There are most definitely times when you need to take a step back before you take a step forward. You pause to regain perspective and to choose your path. It is often better to take the step back by choice, rather than being forced to as you lose your footing at a precipice when your [...]

By |2018-07-12T13:31:49+00:00July 13th, 2018|Categories: Mortgage|Tags: |

Senate Passes $428 Billion Farm Bill (Plus Interest Rate Updates)

The U.S. Senate recently passed what is generally known as the Farm Bill. Why does that mean anything to a real estate or mortgage lending professional? Because the bill provides for the continuation of sugar tariffs in order to ensure the market is not flooded with sugar imports. Whoops, sorry — wrong section of the bill. The [...]

By |2018-07-03T15:53:05+00:00July 6th, 2018|Categories: Mortgage, Real Estate Agents|Tags: |

How Dodd-Frank Reform Impacts the Mortgage Industry

Recently, Congress rolled back some of the rules that came from the Dodd-Frank Act. The Economic Growth, Regulatory Relief, and Consumer Protection Act, in part, makes a variety of changes in an effort to reduce the regulatory burden associated with mortgage lending. While many of the changes lessen the regulatory burden, the resulting change will [...]

By |2018-06-25T14:05:43+00:00June 22nd, 2018|Categories: Mortgage|Tags: |

Hurricane Season, Record Sales, & Positive Equity

Recent flooding in Maryland and New Jersey were a reminder of how Mother Nature can really mess up your day. According to FEMA, the National Flood Insurance Program (NFIP) was established to reduce the impact of flooding by providing affordable insurance to homeowners and by encouraging communities to adopt and enforce floodplain management. Not a [...]

By |2018-06-12T10:49:37+00:00June 15th, 2018|Categories: Mortgage|Tags: |

Where’s Our Greeting Card for National Homeownership Month?

June is National Homeownership Month. Surprisingly, there does not appear to be a greeting card for that. You would think there would be — or at least there should be from our perspective. Homeownership and everything that goes with it accounts for about 12% of our gross domestic product in the United States. That is [...]

By |2018-06-07T14:39:11+00:00June 8th, 2018|Categories: Mortgage|Tags: |

How Italy & China Influenced the Mortgage Market This Week

Chinese and Italian became more than a couple of nights of great takeout food this week — the economic prospects of both countries were influences on the mortgage market. Political discord in Italy and the prospect that the third largest economy in the EU might decide to leave the union has investors around the globe [...]

By |2018-05-31T10:13:22+00:00June 1st, 2018|Categories: Mortgage|Tags: |

Emerging Trends and the “Borrowers of the Future”

On more than one occasion we have talked about considering what may be the new norm in the mortgage and real estate markets. There are some “emerging” things to consider as this possible new norm takes shape. Some early indicators from Freddie Mac’s "Borrowers of the Future" should be considered now: Work is more mobile and [...]

By |2018-05-24T10:21:36+00:00May 25th, 2018|Categories: Mortgage|Tags: |

Take a Break with Some Feel Good News

Rates and home prices still are up. Inventory and affordability are still down. Nothing is much different from the past several weeks. Same old, same old. Seems like an eternity since there has been really good news in the mortgage or real estate markets. So, it's time to mix it up with some feel good [...]

By |2018-05-17T11:03:11+00:00May 18th, 2018|Categories: Mortgage, Real Estate Agents|Tags: |

Are Mortgage and Real Estate Markets Transitioning to a New Normal?

Things in the mortgage and real estate markets have not changed much in the past week or so. Rates are basically flat, affordability is down because inventory is low, and prices are continuing to rise because of the demand created by the remarkably low inventory — especially when it comes to entry level homes. Much [...]

By |2018-05-10T13:54:37+00:00May 11th, 2018|Categories: Mortgage, Real Estate Agents|Tags: |

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