What this webinar is about… Using facebook to

Build a Brand as a

Market Expert

80

85

90

95

100

105

110

Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Pending Home Sales

NAR 1/2013

80

85

90

95

100

105

110

Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

December 2011 – December 2012

December 2011 – December 2012

100 = Historically Healthy Level

Pending Home Sales

NAR 1/2013

Single Family Sales (year-over-year)

NAR 2/2013

NORTHEAST

+2.8%

MIDWEST

+9.7% WEST

+1.2%

SOUTH

+7.5%

U.S. AVERAGE

+5.8%

Condo & Co-op Sales (year-over-year)

NAR 2/2013

U.S. AVERAGE

+15.4%

NORTHEAST

+12.5%

WEST

No Change

MIDWEST

+25%

SOUTH

+25%

$1M+ Home Sales (year-over-year)

NAR 2/2013

NORTHEAST

+71.3%

MIDWEST

+48.0% WEST

+66.7%

U.S. AVERAGE

+62.3%

SOUTH

+47.4%

Hottest Months for Online Housing by State

Trulia 1/2013

Peak Month for Search Traffic, Relative to State’s Annual Average

Return on Investment

MSN Money.com, Case Shiller

January 2000 – February 2013

3.25

3.5

3.75

4

4.25

4.5

4.75

5

5.25

Mortgage Rates – 30 year fixed

Freddie Mac 2/1/2013

11/1/2011 – 2/1/2013

“After reaching record lows in 2012, mortgage rates are

expected to creep up slowly in 2013, the Mortgage Bankers

Association predicted.”

Mortgage Rates Moving Forward

4.4

0

0.5

1

1.5

2

2.5

3

3.5

4

4.5

5

2013 4Q

Projected

30 Year

Mortgage

Rate

MarketWatch 10/24/2012

3.3

3.35

3.4

3.45

3.5

3.55

Mortgage Rates - 30 year fixed

Freddie Mac 2/1/2013

12/01/2012 – 2/1/2013

Quality Residential Mortgage - QRM

1.) A Product-Type qualified residential mortgage is a first-lien mortgage

that is for an owner-occupant with fully documented income, fully amortizing

with a maturity that does not exceed 30 years and, in the case of adjustable rate-

mortgages (ARMs), has an interest rate reset limit of 2 percent annually

and a limit of 6 percent over the life of the loan.

2.) A PTI/DTI qualified residential mortgage has a borrower’s ratio of

monthly housing debt to monthly gross income that does not exceed 28

percent and a borrower’s total monthly debt to monthly gross income that

does not exceed 36 percent.

3.) An LTV ratio qualified residential mortgage must meet a minimum LTV ratio

that varies according to the purpose for which the mortgage was

originated. For home purchase mortgages the LTV ratio is 80 percent.

4.) A FICO qualified residential mortgage has a borrower’s FICO score

greater than or equal to 690 at the origination of the loan.

Mortgage Market Note #11-02 3/31/2011

“The six regulators drafting the

separate QRM rule, including the

Department of Housing and

Urban Development, the Office of

the Comptroller of the Currency

and the Securities and Exchange

Commission, must decide

whether to include such a

requirement — and whether to

make it less than the 20 percent

they originally proposed.”

QRM & the 20% Down Payment

Bloomberg 01/18/2013

Months Market Pricing

1- 4 Sellers Appreciation

5 - 6 Even The Norm

7+ Buyers Depreciation

Months Supply & Impact on Price

Month’s Inventory of Homes for Sale

4.0

5.0

6.0

7.0

8.0

9.0

10.0

Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

NAR 1/2013

5-6 Months = Normal Market Inventory

S&P Case-Shiller Home Price Indices

S&P Case Shiller 1/2013

S&P Case-Shiller Home Price Indices

-3.9%-3.5%

-2.5%

-1.7%

-0.5%

0.6%1.1%

2.0%

3.6%

4.3%

5.5%

-6.0%

-4.0%

-2.0%

0.0%

2.0%

4.0%

6.0%

Jun Jul Aug Sep Oct Nov

Year-over-Year Change in Prices

Jan Feb Mar Apr May

S&P Case Shiller 1/2013

S&P Case-Shiller Home Price Indices

S&P Case Shiller 1/2013

Metropolitan Area Year-over-Year

Atlanta 7.6%

Boston 2.3%

Charlotte 5.1%

Chicago 0.8%

Cleveland 1.8%

Dallas 5.7%

Denver 7.8%

Detroit 11.9%

Las Vegas 10.0%

Los Angeles 7.7%

Metropolitan Area Year-over-Year

Miami 9.9%

Minneapolis 11.1%

New York -1.2

Phoenix 22.8%

Portland 6.7%

San Diego 8.0%

San Francisco 12.7%

Seattle 7.4%

Tampa 6.8%

Washington 4.4%

S&P Case-Shiller Home Price Indices

S&P Case Shiller 1/2013

Metropolitan Area M-o-M

Atlanta 0.1

Boston -0.9

Charlotte -0.3

Chicago -1.3

Cleveland -0.8

Dallas -0.1

Denver 0.4

Detroit -0.3

Las Vegas 0.4

Los Angeles 0.4

Metropolitan Area M-o-M

Miami 0.8

Minneapolis 1.0

New York -1.1

Phoenix 1.4

Portland -0.2

San Diego 0.9

San Francisco 1.4

Seattle 0.5

Tampa -0.2

Washington -0.6

Home Prices in the Short Term

130.00

135.00

140.00

145.00

150.00

May Jun Jul Aug Sept Oct Nov Dec Jan Feb Mar Apr

2010-11

2011-12

2012-13

S&P Case Shiller 1/2013

20%

25%

30%

35%

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec

Percentage of Distressed Property Sales

35%

24%

NAR 1/2013

532.8

717.5

1,285.9

2,330.5

2,824.7 2,871.9

1,887.8 1,836.6

0

500

1000

1500

2000

2500

3000

3500

2005 2006 2007 2008 2009 2010 2011 2012

U.S. Properties with Foreclosure Filings

in thousands

Realty Trac 1/2013

6%

27%

37%

15%

7%

3% 3% 1% 1%

< $50K

$50-100K

$100-200K

$200-300K

$300-400K

$400-500K

$500-750K

$750K-$1M

>$1M

Percentage of Foreclosures by Price Point

Realty Trac 1/2013

Two graphs that show the distressed

property challenge is moving to different

parts of the country.

Moody’s Analytics 1/2013

“The Northeast is much more likely to see no price

growth at all than anything close to the 5 percent

national average this year, the analytics firm stated

in a recent outlook.

Northeastern states have

relatively long foreclosure

timelines, and their rate of

foreclosure as of the third

quarter of last year was

5.6%.This compares to

just 2.7% in the West.”

Capital Economics

DSNews 01/31/2013

113

347

853

1,089

0

200

400

600

800

1000

1200

Texas California Florida New York

Average Days to Foreclosure – 4Q 2012

Realty Trac 1/2013

Resources

KEEPINGCURRENTMATTERS.COM

Slide Slide Title Link

5,6,7,8,

9

Pending Home Sales, Single Family Sales,

Condo & Co-Op Sales, $1M+ Home Sales http://www.realtor.org

12,14 Mortgage Rates http://www.freddiemac.com/pmms

13 Mortgage Rates Moving Forward http://www.marketwatch.com/story/mortgage-rates-will-rise-next-year-but-slowly-2012-10-24

15 Quality Residential Mortgage - QRM http://www.fhfa.gov/webfiles/20686/QRM_FINAL_ALL.pdf

16 QRM & the 20% Down Payment http://www.bloomberg.com/news/2013-01-18/housing-industry-awaits-down-payment-rule-for-mortgages.html

18 Month’s Inventory of Homes for Sale http://www.realtor.org

19, 21,

22, 23

S&P Case Shiller Home Price Indices, Home

Prices in the Short Term

http://www.standardandpoors.com/indices/articles/en/us/?articleType=PDF&assetID=1245346789036

24 Percentage of Distressed Property Sales http://www.realtor.org

25, 26 U.S. Properties with Foreclosure Filings,

Percentage of Foreclosures by Price Point

http://www.realtytrac.com/content/foreclosure-market-report/2012-year-end-foreclosure-market-report-7547

27 Two Graphs PAID SERVICE http://www.economy.com/dismal/pro/article.asp?cid=236942

28 Capital Economics http://www.dsnews.com/articles/home-price-expectations-vastly-different-for-northeast-vs-west-2013-01-31

Resources

KEEPINGCURRENTMATTERS.COM

Slide Slide Title Link

29 Average Days to Foreclosure – 4Q 2012 http://www.realtytrac.com/content/foreclosure-market-report/2012-year-end-foreclosure-market-report-7547

30 Building Trust is Most Important http://media.ford.com/images/10031/fordtrendbook2013.pdf

“Weary of mis­information, people are reappraising their

relationships with companies and brands, making

integrity a new form of competitive advantage…

More important than ever to

building brand equity and

differentiation, trust has

become a precious commodity,

and its limited supply in the

marketplace has stimulated

consumer demand.”

Building Trust is Most Important