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Asking family for down payment help? Join the club!

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Asking family for down payment help? Join the club!

Millennials are living at home longer to avoid paying high rent or to save for their own down payment. This is not news. Millennials are even asking their parents to refinance their own home in order to help with all-cash offers to win bidding wars. You may have already heard about this one also.

But did you know that Millennials are hardly alone, at least when it comes to receiving home-buying assistance from family. In ValueInsured’s latest Modern Homebuyer Survey, it is reported that nearly 1 in 4 interested homebuyers plan to seek down payment help from a family member. What’s more interesting is that the pattern is near universal, across demographic segments.

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Not all homeowners confident their home has retained its value

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Not all homeowners confident their home has retained its value

It is not a surprise that a minority yet still sizeable share of homeowners in ValueInsured’s latest Modern Homebuyer Survey express less than fair level of confidence that they could sell their home for the same or more than what they paid for. Overall, homeowners’ confidence level is high. Nationally, 72% of all homeowners are confident their home has retained or increased in value since they bought it. There are, however, segments of homeowners that show lower level of confidence.

ValueInsured Closes Financing Led by Global Reinsurer

ValueInsured Closes Financing Led by Global Reinsurer

The Only Provider of Down Payment Protection Enables Homebuyers to Close with Confidence

DALLAS, Oct. 11, 2017 /PRNewswire/ -- ValueInsured, the only provider of down payment protection, today announced the closing of $6.5M of funding led by an affiliate of Everest Re Group Ltd. and also Houston International Insurance Group (HIIG). The latest round of funding from Everest Re and HIIG builds on their existing partnerships with ValueInsured, which began in 2014 with an initial $6M seed round. This additional investment provides ValueInsured with the growth capital to continue its aggressive distribution partnership strategy, expanding channel presence and enhancing the features of the +Plus SM down payment protection program. 

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Housing news suddenly worrisome? Homeowners and buyers saw it coming.

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Housing news suddenly worrisome? Homeowners and buyers saw it coming.

In recent weeks, we are beginning to see “unexpected” housing headlines that are not quite rosy: U.S. existing home sales unexpectedly fall in July, Sales of new homes drop 9.4%, decline way exceeds expectations, Pending home sales drop 2.6% in August; top Realtors economist warns housing market "stalled". Home prices are still up nationally and way up in some hot markets such as Seattle and Denver, but analysts are starting to report “warning signs”. Just this week, CoreLogic reported nearly half of the largest 50 markets in the nation are overvalued. If some of us are surprised, it appears homeowners and homebuyers may not be.

BankSouth Mortgage Brings Down Payment Protection to the Georgia Market

BankSouth Mortgage Brings Down Payment Protection to the Georgia Market

New Home Mortgage Program Provides Greater Security to Georgia Homebuyers if They Have to Sell at a Loss, Empowering Them to Buy With Confidence

 ATLANTA, October 4, 2017 – BankSouth Mortgage today introduced BankSouth Mortgage +Plus, an innovative product that gives Georgia homebuyers greater control by protecting their down payment against potential future drops in market prices. Included as a feature of BankSouth Mortgage +Plus loans, +Plus SM down payment protection enables homebuyers to buy with confidence knowing that they can recover up to their full original down payment should they need to sell their home in a down market.  

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83% of homeowners say now is a good time to sell, so why aren’t they selling?

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83% of homeowners say now is a good time to sell, so why aren’t they selling?

At first glance, this should have been the best time for homeowners to sell their homes. After all, it’s been dubbed the “strongest seller's market ever”. In ValueInsured’s latest Modern Homebuyer Survey, 83% of all homeowners in America believe “now is a good time to sell”. So the 29.6 trillion-dollar question is: why aren’t they selling?

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Top 5: What keeps American homebuyers up at night?

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Top 5: What keeps American homebuyers up at night?

We can all agree that home buying is a rewarding and exciting journey, but it’s not without bumps along the way and anxious moments. While 78% of all non-homeowners in America say they want to buy a home (ValueInsured July 2017 Modern Homebuyer Survey), 72% of potential homebuyers say they expect to experience stress during the home-buying process.

ValueInsured asked homebuyers in its latest survey what concerns keep them up at night when they are planning to buy a home. The top 5 answers make sense, but there are some regional and demographic differences.

LendingQB Adds Down Payment Protection to Loan Origination Platform Through New Partnership With ValueInsured

LendingQB Adds Down Payment Protection to Loan Origination Platform Through New Partnership With ValueInsured

LendingQB, a provider of lean lending loan origination technology solutions, today announced a new partnership with ValueInsured which embeds +Plus down payment protection directly into its loan origination platform. By making +Plus down payment protection a turnkey solution in the existing LendingQB system, lenders are able to easily add down payment protection to their mortgage programs and provide borrowers with a greater choice when selecting a mortgage. +Plus down payment protection enables homebuyers to buy with confidence knowing that recovery up to the full original down payment should the need to sell their home in a down market arises.

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