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Real estate response Anglia Ruskin University, Cambridge and Chelmsford Real estate

Aug 17, 2024 | SOCIAL SCIENCE | 0 comments

Aug 17, 2024 | SOCIAL SCIENCE | 0 comments

Real estate response Anglia Ruskin University, Cambridge and Chelmsford Real estate

please respond to Viridiana with. 100. words. Chapter 1 and 2 Reflection Summaryby Viridiana Zepeda16 hrNewActionsViridiana 02/13/2024Bre 126, Real Estate FinanceHuber, W.SummaryIn Chapter 1, the topics discussed were FinTech, the SAFE Act, and the Fed. The SAFE Act is a requirement for mortgage licenses that mandates all real estate lenders to have a mortgage loan originator (MLO) license approved by their state and to pass an NMLS national and in some cases state exam (Huber, p. 3). Chapter 2 delves into the forces that influence real estate. I will discuss these chapters further.Key Concept from Chapter 1The Safe Act was implemented to safeguard buyers against fraudulent activities. To apply for a mortgage, an individual must be a Mortgage Loan Originator (MLO), and there are specific requirements for this. MLOs must complete 20 hours of education courses, undergo an FBI criminal background check, and submit their credit report. Additionally, they must maintain a personal record with NMLS (p.5).Key Concept from Chapter 1I learned from Chapter 1 that the federal government controls monetary policy. Monetary policy determines the cost of borrowing and the availability of money. “It directly affects the “cost of borrowing money” that is needed for a down payment and for monthly payments of principal and interest on a home loan as well as other loans” (Huber, p. 6).Key Concept from Chapter 2Chapter 2 discusses the impact of mortgage funds on the housing market, particularly on the supply and demand of housing. Whether one is a buyer or a seller, the availability of mortgage funds can have a significant impact on both” parties. Additionally, political activity can also affect the supply and demand for housing. Deficit spending by Congress forces the government to borrow money, making less money available for construction and home loans” (Huber, p. 32).SummaryOverall, these two chapters explain how real estate is affected. There are many factors that can influence the process of buying or selling a home. Predicting what will happen in the housing market can be challenging, but being informed is always beneficial.

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