拉斯维加斯在市场上待售的房子库存不足?

拉斯维加斯REVIEW-JOURNAL

贴:焊接9日上午|分。

拉斯维加斯家上市
	3月	3月
	2011	2012
Bank-owned	2643	1437
SHORT-SALE	7656	3674
正常	4908	3992
总	15207	9103

房子那样挑剔的猎人在拉斯维加斯今天还是像一年前,特别是如果他们正在寻找一个讨价还价在丧失抵押品赎回权的家。其实是有缺乏的家园,大概是一个月的供应目前销售水平,当地房地产商说。

任何东西在$80,000至$125,000美元之间,是多提供抢先说,蒂姆凯利的Max极端在拉斯维加斯。

真正的estate-owned清单家园,或bank-owned家园,减少到1,437年的3月,下降了40%,从去年的2,643人,收集的数据显示从多重列名服务。

凯莉希望的几个月持续下降,由于法律生效robo-signing十月份。法律要求银行提供affidavits权证没收,连同有关所有权的抵押笔记。它的房屋库存bank-owned节流在拉斯维加斯。

贷款人违约通知提出——只有195的第一步——在1月丧失抵押品赎回权过程,与3364年相比在同一个月通知一年前,根据美国第一。默认文档标题保险公司已经存在200年10月以来每月。

“我不明白立即解决,“金彼得森说,美国第一位的行销经理。“我们有很多的意见。除非他们叫一个特别的立法机关,尽量让这个法律修改…由于立法不见面直到2013年。”

大约有14000套房子正在或意外的销售,他们中的大多数卖空的“陷到泥里去了,”凯利说。他们等待银行批准出售低于抵押贷款的平衡。

“我认为银行正抓住存货,以免涌入市场,但随着(robo-signing法律),点了点头,实际丧失抵押赎回权的人几乎停止,”他说。

凯利表示,这条法律鼓励房主违约留在家里不作抵押贷款。

“一些房屋拥有者发现他们可以待久一点,因为银行不打算快速行动。很多人说:“我已经错过了三个付款。如果我错过另一次三个或三个10吗?谁在乎呢?“很多人已经告诉我而不是做一个简短的销售,他们将继续保持,不去,”他说。

乔Brezny副主任政务为更多的拉斯维加斯房地产协会说,受托人必须有“个人知识”的财产实际上是属于排除聚会。

一些想法包括一个更好的法律定义的“个人知识”,并向多个方面指明在丧失抵押品赎回权的资讯可以证明,如果没有一个人能证明它的全部,Brezny说三月版的南内华达州房地产经纪人。

基思Lynam温德米尔说的信誉性质REO编号下降,但有一个明确的问题与丧失抵押品赎回权的过程。

“并不是所有的这些(丧失抵押赎回权的人)会被证明是正确的,”他说。“很多时候,银行却告诉他们,他们必须停止支付他们的抵押(来获得贷款修订程序)。底线是有一些赝品和非法签字。值得注意的是,问题是经过公证、一种“个人知识,但在一天结束的时候,我们不是创造robo-signing,我们没有创造信用互换衍生品。再说一次,这不是我们的问题,这是银行的。”

乔Iuluicci凯勒威廉姆斯的不动产说房地产代理人越来越守卫和其上市作为库存已经消退。联邦住房管理局抵押贷款不感兴趣,因为他们是卖空承保住房和城市发展部”,他说。

“看看界面的家园。他们通常是更好的房子现在在南部高地(SOUTHERN HIGHLAND) 和 罗德岛农场(RHODES RANCH) 里,“Iuluicci说。“有绝对更买家用较少的库存。将正确的市场吗?我不这么认为,但它肯定是改变这一现状。”

拉斯维加斯家上市
	3月	3月
	2011	2012
Bank-owned	2643	1437
卖空	7656	3674
定期	4908	3992
总	15207	9103

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Home shortage in Las Vegas? In foreclosure deals yes, Realtors say

House hunters can't be as picky in Las Vegas today as they were a year ago, especially if they're looking for a bargain on a foreclosure home. There's actually a shortage of those homes, roughly one month's supply at current sales levels, local Realtors say.

Anything in the range of $80,000 to $125,000 is snapped up with multipleoffers, said Tim Kelly of Re/Max Extreme in Las Vegas.

Listings for real estate-owned homes, or bank-owned homes, decreased to 1,437 in March, down 40 percent from 2,643 a year ago, data gathered from the Multiple Listing Service show.

Kelly expects them to drop for a few more months as a result of the robo-signing law that took effect in October. The law requires banks to provide affidavits of authority to foreclose, along with documents related to ownership of the mortgage note. It has throttled the inventory of bank-owned homes in Las Vegas.

Lenders filed just 195 notices of default -- the first step in the foreclosure process -- in January, compared with 3,364 notices in the same month a year ago, according to First American Title Insurance Co. Default filings have been around 200 a month since October.

"I don't see an immediate resolution," said Kim Petersen, marketing executive for First American. "There's so many opinions. Unless they call a specialLegislature and try to get this law amended ... because the Legislature doesn't meet again until 2013."

About 14,000 homes are pending or contingent sales, a majority of them short sales "stuck in the mud," Kelly said. They're awaiting bank approval for a sale at less than the mortgage balance.

"I think banks are holding onto the inventory so as not to flood the market, but with the (robo-signing law), NODs and actual foreclosures have almost stopped," he said.

Kelley said the law has encouraged homeowners in default to remain in their homes without making mortgage payments.

"Some homeowners realize they can stay longer because banks are not going to move quickly. A lot of people say, 'I've missed three payments. What if I miss another three or 10? Who cares?' A lot of people have told me instead of doing a short sale, they'll stay and not pay," he said.

Joe Brezny, deputy director of government affairs for the Greater Las Vegas Association of Realtors, said trustees must have "personal knowledge" that the property is actually owned by the foreclosing party.

Some ideas include a better legal definition of "personal knowledge," and to specify that multiple parties in the foreclosure can attest to pieces of information if no one person can attest to all of it, Brezny said in the March edition of Southern Nevada Realtors.

Keith Lynam of Windermere Prestige Properties said the REO numbers are down, but there was a definite problem with the foreclosure process.

"Not all of those (foreclosures) were justified," he said. "A lot of times, the banks did tell them they've got to stop paying their mortgage (to qualify for loan modification programs). The bottom line is there were some forgeries and illegal signing. It's important to note that the problem is the affidavit and personal knowledge, but at the end of the day, we didn't create the robo-signing, we didn't create credit swap derivatives. Again, it's not our issue, it's the bank's."

Joe Iuluicci of Keller Williams Realty said real estate agents are becoming more guarded with their listings as inventory has dissipated. Lenders on Federal Housing Administration mortgages aren't interested in doing a short sale because they're insured by Housing and Urban Development, he said.

"Look at HUD homes. They're typically nicer houses now in Southern Highlands and Rhodes Ranch," Iuluicci said. "There are definitely more buyers with less inventory. Will that correct the market? I don't think so, but it's definitely changing things."

Contact reporter Hubble Smith at hsmith@reviewjournal.com or 702-383-0491.

LAS VEGAS HOME LISTINGS
	March	March
	2011	2012
Bank-owned	2,643	1,437
Short sales	7,656	3,674
Regular	4,908	3,992
Total	15,207	9,103
Source: Multiple Listing Service