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.

A Picture of the New First-Time Homebuyer

Ellie Mae data indicates that rising rates, higher prices, and lack of inventory didn’t scare away millennials in October. At first glance, they appear to be a brave bunch. But more likely than not it might be fear of higher prices and higher rates driving those that can still afford to buy into the market. [...]

By |2018-12-06T11:21:39+00:00December 7th, 2018|Categories: Mortgage, Real Estate Agents|Tags: |

The 2019 Housing Market: Crash and Burn or Soft Landing?

Earlier this week, NASA managed to land its InSight spacecraft on the surface of Mars. After a million-mile journey, NASA scientists, engineers, and space junkies around the world held their collective breath as InSight went from racing across the galaxy at 12,300 mph to zero. In what some refer to as the "seven minutes of [...]

By |2018-11-29T11:07:54+00:00November 30th, 2018|Categories: Mortgage, Real Estate Agents|Tags: |

One Day Isn’t Enough to Be Thankful

We just enjoyed Thanksgiving, but according to some media outlets, it seems like if you celebrate the Christmas holiday and are not at least 75% done with your shopping you should be fairly stressed about it. Not a lot of time is allowed to just take in all you are grateful for and reflect on [...]

By |2018-11-21T12:22:00+00:00November 23rd, 2018|Categories: Mortgage, Real Estate Agents|Tags: |

Going Beyond Conventional Loans with Millennial Buyers

A recent National Mortgage News headline read, "Mortgage Lenders Must Teach Millennials About Loan Options." ...that's not exactly news. That topic has been covered here at least a few times. With rates up and affordability down, new loan options are exactly what many millennials need to become homeowners. According to Ellie Mae, 68% of the [...]

By |2018-11-15T11:36:34+00:00November 16th, 2018|Categories: Mortgage, Real Estate Agents|Tags: , , |

What to Tell Millennial Homebuyers Who Are Taking Their Time

There are indications that some millennials might be singing that Rolling Stones chorus —"Tiiiiiiiiiime is on my side. Yes it is."— when considering homeownership. Rates, home prices, and a lack of inventory have prompted this generation to take their time. (While seemingly defying time, the septuagenarian rockers are teasing new U.S. concert dates.) Trying to [...]

By |2018-11-08T10:41:21+00:00November 9th, 2018|Categories: Mortgage, Real Estate Agents|Tags: |

A Yale Economist’s View on the Current Housing Market

Placid by definition means "not easily upset or excited." It's not a bad adjective for the housing and mortgage market — especially when being used by a Noble Prize-winning economist who helped create what some consider to be the foremost index for tracking home prices around the country. Placid is something we will take, considering [...]

By |2018-11-01T15:53:24+00:00November 2nd, 2018|Categories: Mortgage, Real Estate Agents|Tags: |

Something to Keep in Your Back Pocket for 2019

According to the Mortgage Bankers Association, next year is going to look very similar to this year as far as origination volume goes. Purchase originations are likely to increase slightly each of the next few years — even as potential homebuyers continue to deal with limited inventory and rising rates. Millennials are likely to drive [...]

By |2018-10-19T14:57:43+00:00October 19th, 2018|Categories: Mortgage|Tags: |

The Politics of Homeownership

Disclaimer: This is not some maniacal foray into politics. It is a both sides perspective about where we are — and the impact it may have on the way people think and behave. Today it's not uncommon to hear that America is a nation divided; that we are broken. This notion weighs on the American [...]

By |2018-10-04T10:29:27+00:00October 5th, 2018|Categories: Mortgage, Real Estate Agents|Tags: |

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