Share March 18, 2015 495 Views Fannie Mae Releases 2015 Mortgage Lender Sentiment Survey in Daily Dose, Origination Fannie Mae released its first quarter 2015 Mortgage Lender Sentiment Survey today, revealing mortgage lenders outlook towards lending activities and market expectation is improving. Compared to the first and fourth quarter of last year, results show more lenders expect mortgage demand and their profit margin to grow over the next three months. Of the senior mortgage executives surveyed, 69 percent said they felt the economy was on the right track.“The first quarter results mirror a similar trend among American households, as shown in our recently released National Housing Survey data,” said Doug Duncan, senior vice president and chief economist at Fannie Mae. “These results are consistent with our view that an improving economy, strengthening employment, and increasing consumer confidence should support a modest housing expansion in 2015, after an uneven and disappointing year for housing activity in 2014.”Mortgage lenders continue to be more optimistic about the future of home prices compared to consumers, according to the survey. About 62 percent of survey participants said they felt home prices would go up, higher than the 46 percent of consumers surveyed in the National Housing Survey. That’s a 12 percent increase from the 50 percent surveyed in the fourth quarter of 2014 and 2 percent higher than the first quarter of 2014 number. Only about 3 percent said they think prices will go down, while 33 percent thought prices would stay the same.Senior mortgage executives are less optimistic about the ease of getting a mortgage today compared to consumers. More than 70 percent of executives said getting a mortgage today is difficult compared to 43 percent of consumers. Almost 55 percent of consumers said they thought getting a mortgage was easy compared to 28 percent of executives surveyed.The share of lenders outlook on profit margins has improved significantly since last year. Over 40 percent of the share of institutions believes profit margins will increase in the next 3 months, that’s an increase of almost double the amount surveyed this time last year. About 13 percent surveyed profits would increase in the fourth quarter of 2014. About 50 percent of the share think profits will stay about the same, and a low 10 percent think profits will decrease. 2015 Mortgage Lender Sentiment Survey Fannie Mae National Housing Survey 2015-03-18 Samantha Guzman
A civilian died in an Army ambush, laid for militants, in Kupwara district of north Kashmir on Sunday, triggering violent protests and widespread condemnation. The government ordered a magisterial inquiry.Asif Iqbal Bhat, a driver from Thindpura in Kupwara, died of bullet injuries after the Army fired at a vehicle in the early hours. The Army spokesman said the ambush party observed the suspicious movement of three persons in Thindpura. “The individuals were challenged and they did not respond. Thereafter, terrorists opened fire. In the crossfire, Bhat was killed. An investigation is in progress,” he said. ‘No provocation’ However, the victim’s brother alleged that the Army opened fire without any provocation when Bhat left home to pick a passenger, who had booked his cab. “My brother was shot in the head. The Army opened indiscriminate fire on our home when I and my father tried to reach the spot,” he said. ‘Mistaken identity’The police, who filed a First Information Report (FIR), called it “an incident of mistaken identity.” “An inquiry committee has been constituted. Nobody is above the law. We will investigate the circumstances leading to the firing,” said Shamsher Hussain, Senior Superintendent of Police (SSP), Kupwara.Protests and clashesAfter violent protests and clashes in the district all through the day, the government ordered a probe, headed by Deputy Commissioner (Kupwara) Khalid Jahangir. The inquiry will be completed in 21 days. “If anyone is found guilty, action will be taken,” Mr. Jahangir said. Security forces used tear-gas shells to contain the situation in the area, where Internet services remained suspended.All Parties Hurriyat Conference chairman Mirwaiz Umar Farooq, Tehreek-e-Hurriyat chairman Syed Ali Geelani and JKLF chief Yasin Malik called it a “cold-blooded murder.” “With unbridled powers and impunity, the trigger-happy forces continue to kill in such a cold-blooded and merciless manner. Not a single soldier or policeman involved has ever been booked,” the Mirwaiz said.Mr. Malik said the “shameless statements of the government and the ruling party is to cover up this gruesome act.” “Pro-India rulers, led by Chief Minister Mehbooba Mufti, justify these killings of Kashmiris by putting the blame on the oppressed,” he said.“An uninvestigated claim of a young life lost in ‘cross-firing’ shouldn’t be used to brush the incident under the carpet,” National Conference working president and former Chief Minister Omar Abdullah said. A Congress spokesman asked the security forces “to ensure the safety of the innocent while dealing with militants.” “The incident must be investigated and justice ensured. The government should provide full compensation to the bereaved family,” he said.CPI(M) MLA from Kulgam M.Y. Tarigami said such incidents could have been avoided had the security forces exercised maximum restraint. “Such killing is bound to inflame the situation. Unfortunately, no distinction is being made between the civilians and the militants,” he said.Independent MLA Engineer Rashid staged a protest.
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