Archive for oc housing connection

What is the Fed’s NATURAL RATE?

Posted in oc housing connection, Uncategorized with tags , , , , , on June 15, 2016 by OC Talk Radio

So, all things being equal, what is the Federal Reserve’s “natural rate”? The ideal rate that creates the so-called “three bears economy”…not too hot, not too cold.  Used to be around 5%, but many seem to think it’s more around 2-3% today. Why does this matter?  Because it tells a lot whether the Fed wants to raise rates or lower them (long term) and where we might be headed with our home and consumer loans in the near term.  Our hosts Hamid and Fay Hamadanchy then dive into some more “macro economic trends” that factor into those Fed decisions (mainly  the jobs report and “consumer demand”) and how perplexed they are that job growth has been slowly but steadily growing since “The Great Recession” (except for THIS week’s poor performance) while consumer demand remains stubbornly weak. What’s going on? Find out in this week’s fascinating look at housing prices and loan rates as they try and peer into the Fed’s crystal ball and see where we headed this year.  Only on Orange County’s only community radio station, www.OCTalkRadio.net.

Does the Fed NEED to raise rates?

Posted in oc housing connection, Uncategorized with tags , , , , , on May 25, 2016 by OC Talk Radio

Does the Federal Reserve actually WANT to raise rates regardless of whether they NEED to right now? Is it more than just holding off inflation?  Or do they see some larger crisis looming over the horizon which they feel REQUIRES them to raise rates (regardless of its short term effects on the election or the economy) so they can cut them back again in response to some unforeseen stock market correction, China meltdown or Eurozone explosion? That’s the question our hosts Hamid and Fay Hamadanchy debate today (along with yours truly, the “everyman” on the show).  For if (as some speculate) there is surely a stock market correction coming or some Euro/China storm just over the horizon, then what could the Fed do if rates are already at or near zero?  Go into negative territory as some banks in Europe have already done? And how would banks continue to make money if interest rates were BELOW zero? It’s a fascinating look at “macro-economics” today on OC HOUSING as we argue over not just IF or WHEN the Feds will raise rates but do they feel COMPELLED to do so (regardless of the short term effect on the economy or election) to give them ammunition for some future economic crisis?  You’ll want to hear this one!

Understanding VA Loans for Veterans

Posted in Uncategorized with tags , , , , on April 4, 2016 by OC Talk Radio

Even those who’ve served in the military don’t always understand the great loans available to buy their home thru the Veteran’s Administration.  Who qualifies?  What are the advantages and benefits?  And does it take any extra time to process? All these questions and more are answered this week by our hosts, Hamid and Fay Hamadanchy as they look at one of the least understood Federally guaranteed loan programs available to all our veterans on this week’s installment of the OC HOUSING CONNECTION, right here on Orange County’s only community radio station, http://www.OCTalkRadio.net.

Join Doug Duncan, Chief Economist for FANNIE MAE on OC HOUSING CONNECTION

Posted in Uncategorized with tags , , , , on August 22, 2015 by OC Talk Radio

Tune in as Doug Duncan, the Chief Economist for FANNIE MAE joins hosts Hamid and Fay Hamadanchy on their weekly show OC HOUSING CONNECTION to share his insights on the economy and the state of housing across the country.