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Homeowners Continue to Overvalue Homes for Eighth Consecutive Month

first_img in Daily Dose, Data, Headlines, Market Studies, News Appraiser Homeowner Quicken Loans 2015-10-13 Staff Writer Share Homeowners continued to overvalue their homes for the eighth consecutive month in September, while appraiser opinions came in 2 percent lower than owner’s perceptions, according to Quicken Loans’ national Home Price Perception Index (HPPI).The HPPI, which compares the estimate that the homeowner supplies on a refinance mortgage application to the appraisal that is performed later in the mortgage process, found that that September was the first month that the gap between homeowners and appraisers actually narrowed since the trend began in February 2015.Last month, homeowner estimates were 2.65 percent higher than appraisers.Quicken Loans Home Value Index (HVI) showed that average home values were mostly flat, increasing only 0.05 percent in September and making up for the exact same loss experienced in August. However, annually, home values rose 3.11 percent compared to September 2014. In August, home values rose 3.24 percent annually.The Western region posted the largest gains, with 0.72 percent monthly and 6.03 percent annual increases. The South experienced a 0.29 percent monthly gain and a 3.33 percent annual gain. The Northeast and Midwest regions posted both monthly and annual home value losses. “I don’t think it’s a coincidence the West is showing the greatest home value increases with almost all of the western cities measured in the HPPI exhibiting appraiser opinions higher than homeowner estimates,” Walters explained.“Homeowners are hearing national reports of slower home value increases, or even drops in value, when that isn’t the case everywhere. Appraisals are telling a different story in many western cities but homeowners may not realize home values are still making such strides.”Walters also noted that homeowners remain underwater looking for large increases, but increases could push homebuyers out of the market.”Home affordability could become a worry if home values increases get too far ahead of the modest pace of wage increases, which are sitting at about 2 percent annually,” he said.Click here to view the complete report. Homeowners Continue to Overvalue Homes for Eighth Consecutive Month October 13, 2015 539 Views last_img read more

Silver Muse the worlds newest ultraluxury cruis

first_imgSilver Muse, the world’s newest ultra-luxury cruise ship and the ninth vessel in the Silversea fleet, was christened in her homeport of Monaco on Thursday in a festive atmosphere. Chairman Manfredi Lefebvre d’Ovidio’s 17-year-old daughter, Costanza Lefebvre, did the honours as godmother, highlighting that Silversea is a company based on family values. In Australia, Silversea’s third largest market, the christening was marked by a harbourside cocktail reception at Park Hyatt Sydney on Thursday night, hosted by Amber Wilson, Managing Director Asia-Pacific, Silversea Cruises, and Alison Roberts-Brown, Regional Director, Australia & New Zealand, Monaco Government Tourism & Convention Authority. Trade and media guests, including LATTE, sipped on Pommery Champagne and supped on delicate creations of scallops and arancini balls. The glamorous black-and-white dress code lent an air of sophistication to the evening, a concept the 596-passenger ‘simply divine’ Silver Muse embodies. Dining is at the centre of the Silversea experience, with three new restaurants debuting on the new vessel: Atlantide for seafood, Indochine for Asia-inspired fusion, and Spaccanapoli for Italian-themed cuisine beside the pool. Silver Muse is also home to the Zàgara Beauty Spa.HSH Prince Albert II of Monaco & Silversea Chairman Manfredi Lefebvre d’Ovidio. Image courtesy Silversea CruisesWith Silversea’s Monégasque home and history, the principality played a key role in the celebration. In Port Hercule, HSH Prince Albert II of Monaco was among the distinguished guests, alongside Abercrombie & Kent founder, Geoffrey Kent. In Sydney, Monaco Tourism supported the evening, taking the opportunity to promote Emirates’ new A380 service to Nice, with helicopter transfers to the principality with Monacair (complimentary for first-class guests; at a cost for business and economy passengers).While attendees in Monaco were treated to performances by the Sinfonietta Orchestra of Rome, those in Australia were transported by the sublime strains of the Sydney Symphony Orchestra.last_img read more