Thursday, December 14, 2006

St. Lucie Foreclosures Up - Way Up

From today's Palm Beach Post. Interestingly, the article starts off with better news in Palm Beach County, but then jumps right in with St. Lucie's numbers.

'Palm Beach County saw a dip in foreclosures in November, while at the same time, St. Lucie County saw its troubled real estate more than triple.

Analysts are blaming rampant speculation in St. Lucie's new-home market and exorbitant hikes in homeowners' insurance as the cause of its leap to 313 foreclosures from just 94 in November 2005.

The increase is the highest foreclosure level for the high-growth area in nearly two years, according to a new report from RealtyTrac, which documents foreclosures nationwide.

"Tons of new homes have been built in St. Lucie County in the past couple of years, and a big chunk of those were snapped up by speculators," said Mike Larson, an analyst with Weiss Research in Jupiter. "Now, some are finding they can't rent them out for enough to cover their mortgages. Others are likely getting whacked with big increases in insurance rates tied to the active 2004 and 2005 hurricane seasons."

When you add surging property taxes to this dangerous mix, Larson said, "the hardest-luck cases can even be forced out of their homes."'

Okay, this is now - what about the future?

'"The foreclosure train has left the station and is slowly picking up speed," said Jack McCabe, owner of McCabe Research and Consulting in Deerfield Beach. "Expect foreclosures to multiply in 2007 and 2008."

Besides plunging property values that hinder resale and rentals, so-called "creative financing" is a major reason the foreclosure wolf is now knocking on so many doors.

Adjustable-rate mortgages and interest-only loans have taken off since 2004. Indeed, they were the only way more than half of all local buyers could afford to buy a home, McCabe said.

These loans are scheduled for their first adjustments in the next two years, McCabe continued, and many owners will get smacked with 40 percent to 50 percent increases in their monthly payments.'

'Statewide, foreclosures rose 5 percent in November, to 9,362 from 8,872 a year ago.

That's one foreclosure for every 780 households in Florida - a rate that analysts expect will worsen next year.


Larson, the analyst, blames "excess speculation" for driving prices far beyond what fundamental economic forces dictated.

"Now, with prices falling, that irrational exuberance is being wrung out one foreclosure at a time," he said.'

Full Article

111 comments:

Anonymous said...

After having lived in Palm Beach County area for 25 years, I ask you this....

WHY WOULD ANYBODY WANT TO LIVE IN PORT ST. LUCIE?

They don't even have a shopping mall.....

You have to go to the "Treasure Coast Mall", in Jensen Beach....
Northern part of Stuart....

There used to be a saying, that people leaving Miami, looking for affordable housing had to drive north, till they could find something.....

>>>>>>>PORT ST LOCO!!!!<<<<

You'd have to be crazy to live there!!!!!

There is nothing in Port St. Loco, just like there is nothing in ""PORT FEARCE""
Yes!!! It's fearce....cuz your gotta fight just to stay alive...
drugs and crime EVER WHERE!!!!

Anonymous said...

>>>>"" SURE...NOW THEY TELL US ""<<<

The headlines in newspaper articles:

....Don’t Bet on Real Estate

....World Bank fears US house crash

Where were they when we really needed them, to protect us from ourselves....

We're dangerous....

""HAVE PEN, WILL SIGN ANY MORTGAGE""

Anonymous said...

Ole' saying:.....

""HOPE IS THE LAST THING TO GO!!"""

Based on this article in the Sun-Sentinel, it would appear the Real Estate industry is hanging out for next spring coming to the rescue!!!

|||| West Palm Beach housing analyst Brad Hunter said short-term investors who bought at the height of the boom in 2005 might have to sell at a loss. If those sellers lower their asking prices, more sales will occur, helping the South Florida market rebound, Hunter said.

"But people have been stubborn," he said.

The so-called spring selling season ranges from March to June and is the time when more than half of all U.S. home resales occur. The busiest time for the new-home market starts earlier, in February, as it takes about six months to build a typical house and most families want to move before the school year starts in September.||||||

Crazy wants to know, "IF" they can make all those houses disappear, between NOW & THEN?????

Anonymous said...

Yea, enquiring minds want to know how many people actually moved to Florida, net, in 2006.

Methinks the figures will be (like the eastern european dude in Citi credit card commercials), "veady, veady, VEADY rewarding!" for all of us.

Anonymous said...

WE'RE GETTING THE ""HOTEL FLORIDA"" IMAGE.....

You can check yourself "IN",

""BUT"" you can never check out...

=================================
Buy a house, then try to sell it....

HHHAAAAAA!!!! LOL....VBG...

Anonymous said...

I'm loving the references here - citibank, the Eagles...!

How about that movie-trailer guy (also did a Geico ad), narrating the following in his trademark deep, husky voice (pauses added for effect):

IN A WORLD...

Where buying a home could be financial suicide...

One small band of non-believers...

Chose to make a stand and become...

THE BUBBLE POPPERS!!!

(opening in 2008 - sneak preview in 2007)

Anonymous said...

Mail this one to your MOM!!!!

I was reading over on another blog, a fellow claimed to be US Postal worker, and says overall mail volume is down 20-25%.....

Another posted that Fedex & UPS aren't busy either, for this time of year.....

Looks like Santa can mail my present after all!!!

Anonymous said...

I don't know who said it......the ole' saying;

""Sooner or later we all sit down to a banquet of consequences""

>>>>FROM AN ECONOMIC STAND POINT.....""ALL THE DAMAGE HAS BEEN DONE""" <<<<<

NOW IT'S PAY DAY.....

Time for the flippers to payback some of the ransom, they have held up to the real estate market....


Smile, as you feast on their gizzards, and listen to them howl, as they are eaten alive!!!!!

HHHHAAAA!!! LOL!!! VBG!!!

Anonymous said...

>>>ALL THE DAMAGE IS DONE THEORY<<<

At this juncture, it doesn't matter what the interest rates are....

There are just to damn many houses ""PERIOD""....
""IF"" they dropped the interest rates to zero, like they did in Japan, a few years back....
IT STILL WOULDN'T CURE THE PROBLEM....
It would just make it worse....


THERE IS NO EASY WAY OUT OF THIS NOW!!!

Tell them to bite the bullet, while we cut their guts out, and smile seeing them in agony....

Sadism, is taught in Econ 102....

String them up by the scrotum, and and withdraw, your money in blood...

Anonymous said...

Though you would get a laugh at of this one SINCE one of your favorite shills opened their mouth again.
So just what causes home price declines?
Posted by James Bednar under General

I came across this wonderful little piece by RealtyTimes editor Blanche Evans this morning, it’s entitled “What Causes Housing Price Declines?” It’s a rather amazing piece, she really digs very deeply into the underlying causes and dynamics of home price change. She goes out of her way to analyze the impact of local wages, job gains or losses, and what can only be described as a smörgåsbord of microeconomic variables. Who needs economists when we have Blanche?

Actually, Blanche doesn’t even bother to answer the question she posed in the title. Analysis? No. Data? No. Microeconomic smörgåsbord? Not a chance, this is RealtyTimes we’re talking about. Plenty of fluff and circumstance. Let’s take a look anyway:

What Causes Housing Price Declines?
by Blanche Evans

Real estate normally appreciates one to two percentage points above inflation, but between 2001 and 2005, real estate increased 50 percent, an abnormally high return that benefitted homeowners and sellers across the nation.

So what you are telling us Blanche, is that we experienced a national real estate bubble? Right? Not at all concerned that perhaps the irrational appreciation we’ve seen might be somewhat speculative in nature? Nah, of course not.

Then in 2006, prices and sales began to return to a more normal rate of return, but still far from historical norms resulting in the third best year for real estate sales ever.

Whew, good time to throw that paragraph in Blanche, you might have actually scared someone who read that first paragraph.

It was the first year of national median price declines since the National Association of Realtors began keeping figures in 1968. And the NAR predicts that 2007 will also be a year of decline, which raises an interesting question — what causes home prices to decline? Are buyers being pushed to the sidelines by the media or fundamentals?

Ok Blanche, let’s explore the issue, what exactly causes home prices to decline?

First, there is no “national” market. Sales figures must be local in order to be meaningful, but that doesn’t mean that buyers don’t retreat out of fear as well as market realities such as job loss, population outflows, and overbuilding.

First, if there is no “national” market, why did you even bother to quote a “national” market statistic in the opening paragraph? Irrelevant I suppose, but you didn’t answer the question.

According to the Joint Center for Housing Studies of Harvard University’s “State of the Nation’s Housing 2006,” overbuilding and job loss are preconditions for metro area housing price declines. Between 1975 and 1999, the percent of times that overbuilding and major employment loss led to price declines was nearly 8.3 percent and 4.5 percent, respectively.

Blanche, I’m sorry to be the one to tell you this, but you fudged it. From the source you cite:

State of the Nation’s Housing 2006

Still, over the past 30 years, nominal house prices have in fact fallen by five percent or more at least once in about half of the nation’s 75 largest metros. In most cases, it takes significant job losses—or a combination of overbuilding, modest job losses and population outflows—to drive house prices down substantially. In terms of magnitude, price declines associated with episodes of major job losses alone average 4.5 percent, while those occurring in and around periods of overbuilding alone average 8.3 percent (Figure 11).

What the authors are saying is that during periods of overbuilding or major job losses, home prices have fallen, on average, 8.3% and 4.5%, respectively. On to the rest of the piece, I’d like to see where you take the remainder of your analysis.

Significant baby boomer wealth was poured into upsizing homesteads and purchasing second homes. GenXers came into their own with white collar jobs and stock market gains and were able to buy homes with less money down due to generous loan programs never before provided by lenders to previous generations. Government subsidies continued in the form of low interest rates, hovering at 30-year-lows since 1998. Homebuyer demographics also changed with more households forming, including record legal and illegal immigration. Single women homebuyers are now 22 percent of the market, up from 15 percent in the 90s.

So what your saying, Blanche, is that it’s different this time? Still, I don’t understand what these have to do with price declines.

Those positive conditions haven’t changed, but homebuyers are moving to the sidelines nonetheless, most likely in reaction to double-digit price gains in many metro areas. Not only did affordability hit a wall, particularly in California, but buyers simply lost patience with ever-escalating home prices. That’s when a variable comes into play that has nothing to do with fundamentals — attitude.

So was it affordability or attitude? Declining affordability is a radically different animal than attitude. Affordability primarily hits first time buyers, which tend to cripple the move-up or move-out market. When a first time buyer doesn’t buy, it’s not just one transaction that doesn’t take place, but quite a few, especially in areas that do not see much new construction. As far as attitude goes (I prefer to call it psychology, Blanche, I’m not sure why you don’t believe it has something to do with fundamentals. In fact, over the past 6 years, I’d argue that psychology was one of the primary fundamentals driving the real estate market. Sometimes it really boils down to psychology in these types of stand-off situations, especially when the asset being purchased has such a significant emotional component.

Realtor Mary O’Keefe says one of her clients refuses to take her advice when making offers. He prefers to listen to his Wall Street buddies who don’t live in Dallas and aren’t familiar with sold comparables. “They’re telling him that he should offer $50,000 less than the asking price,” says O’Keefe, who has been showing the buyer townhomes. “Consequently, he’s lost out on two great properties with low-ball offers, but he just won’t accept that it’s his expectations are unrealistic, not the sellers. Properties are selling out from under him.”

Wall Streeters lowballing? No, it can’t be. We’ll table that discussion for another time.

Some buyers aren’t going to be happy unless the seller’s blood runs in the streets. It’s about winning, not buying a home.

This quote here is about you guys, perhaps even me. The folks at RealtyTimes read this site.

Common sense dictates that when prices decline, that’s the time to jump in. It’s why consumers love department store sales, year-end car and truck clearances, and stock market fluctuations. Buy low and sell high is what we all wish we could do, even if we don’t buy in at the lowest low or sell at the peak.

Wait, Blanche, how did we get to the part where prices are already declining? Did I miss the part where you explained, as the title asks, “What Causes Housing Price Declines?” Didn’t you just say that attitude wasn’t a fundamental? If so, why are you trying to influence it?

For home sellers, the name of the game may simply be patience. There’s a point when others begin to recognize a good deal and they’ll make the offer that the seller will accept. The more that happens, the closer the market is to turning from a buyer’s market to a seller’s market.

Translation: Please don’t lower your price, just wait, eventually a sucker will come along. The last thing we want to do is screw up the comps and market statistics.

Realtors working with buyers should be letting their clients know a basic economic fact of life: if fundamentals aren’t supporting a market decline, then it’s not going to decline for very long. If the nation and individual communities are adding jobs and population, a market decline is destined to be short-lived.

.

I seemed to have missed this chapter in economics, the one that guarantees that all markets are perfectly efficient and rational.

Price is a legitimate concern, but with growing inventories, buyers should be taking advantage of an abundant selection to improve their vantage points. In other words, you may pay a little more for the house on the hill, but think of the alternative. In a buyer’s market, pickings are slim and if you want to buy, you take whatever’s on the market. There’s something to be said for getting the best home available for the money.

I had to re-read this paragraph a number of times. At first I thought it was because I haven’t had any coffee yet, but now I realize it has something to do with the cognitive dissonance caused by it. So what you are saying is you should pay a higher price when inventories are high? And that when prices fall, that inventory will fall as well? Or is inventory up causing higher prices? A buyers market has lower inventory than in a sellers? Oh bother, I’m confused, you’ve just got it all wrong Blanche.

So what exactly causes home prices to decline again?

From the NJbubbleblog

Anonymous said...

" In a buyer’s market, pickings are slim and if you want to buy, you take whatever’s on the market."

Huhhhh??????

With this, Blanche completes her promotion from complete moron to now a 100% USDA-certified idiot.

Anonymous said...

Where I come from; [God only knows]

We had a word for it.....

It was called.......


>>>>>>>>>JABBERWOCKI<<<<<<<<.............

That was your word for today Class......

CLASS!!!! Are you still wake????

CLASS!!!!

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Anonymous said...

I grew up in Broward County and Port St. Lucie is a lot quieter. Ignorant words from the uneducated have words like yours. Obviously irrelevant and idiotic to say. I am 99% sure in 3 years Port St. Lucie / Tradition will be the most popular places to live especially after the increase of the homestead act. Just check out the great prices and the quality or beautful homes for sale. With the best price to buy a home.
http://www.homedealflorida.com

Florida Homes - Best Listing Site in Florida

Anonymous said...

I grew up in Broward County and Port St. Lucie is a lot quieter. Ignorant words from the uneducated have words like yours. Obviously irrelevant and idiotic to say. I am 99% sure in 3 years Port St. Lucie / Tradition will be the most popular places to live especially after the increase of the homestead act. Just check out the great prices and the quality or beautiful homes for sale. With the best prices to buy a home.
http://www.homedealflorida.com

Florida Homes - Best Listing Site in Florida

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