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A crisp daily briefing on real estate in Charlotte North Carolina. Mortgage rates, mortgage news, neighborhood developments, trends, national real estate news affecting Charlotte, winning formulas for home buyers, and more. If you are buying a house, selling a house or just curious in the real estate market in Charlotte this is your pod. Patrick LarawayAmerican Security MortgageMLO# 961156 | ASMC NMLS# 40561
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Signup to Generate a PitchCharlotte Market Pulse is a news podcast hosted by Patrick Laraway, with 76 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.
Patrick Laraway hosts Charlotte Market Pulse, a news show with 76 episodes published.
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Episode #77
The July CPI report just dropped and inflation cooled for the second month in a row. That is good news for mortgage rates. Plus, a brand new appraisal format is coming to conventional lending. Here is your Wednesday recap.
Episode #76
◆Rates ticked down again. Six point six four percent as of August seventh, per FRED. Down from six point six nine last week. Two weeks in a row. Rates are moving in the right direction. The 10-year Treasury is at four point six nine percent. Stable ◆SouthPark is getting a tower. Developer Hines announced The Gallery SouthPark, a 19-story mixed-use project on the Rooster's site. 250,000 sq ft of office space, 302 apartments, 50,000 sq ft of retail, and public art. It would be the tallest building in SouthPark ◆Why it matters: JLL is tracking companies scouting 6 million sq ft of office space across Charlotte. That is the highest level since before the pandemic. 30-35% of that is new to market, meaning companies that don't have a Charlotte office today but want one. That is growth. That is jobs. That is demand for housing ◆Daimler Truck is looking at Charlotte. One of the Charlotte region's largest manufacturers is evaluating multiple locations for a new U.S. plant that would employ thousands. Charlotte is in the running. If we land it, that is another wave of families looking for homes ◆Charlotte's growth is devouring farmland. A new Charlotte Urban Institute report shows 760 farms gone in five years. That is the cost of growth. But it also tells you the demand is real. People are coming ◆Lake Tillery is emerging as Charlotte's next luxury waterfront destination. More options for buyers looking beyond Mecklenburg ◆ Every Charlotte-area county saw median listing prices drop in July. The whole region is softening. But here is the difference. Charlotte is still growing. Companies are still coming. Jobs are still being created. Rates are easing. Prices are softening. That is a rare window. Use it. Seller credits can fund a permanent rate buydown. Not temporary. Permanent. Every month for 30 years
Episode #75
◆UWM posts $451M Q2 loss. United Wholesale Mortgage, the nation's largest wholesale lender, reported a $451.9 million quarterly loss. The stock plunged 35% in a single day. They suspended their dividend and raised $2.05 billion in new capital from Oaktree Capital. A $603 million derivatives loss tied to a failed acquisition bid for Two Harbors Investment drove the damage ◆What this means for your loan: nothing. UWM is a wholesale lender. They work exclusively through mortgage brokers. They do not make loans directly to consumers. I am not a broker. I am a retail lender at American Security Mortgage. That means I work directly with you. No middleman. No wholesale channel. Your loan is not exposed to UWM's hedge losses or capital raises ◆Why retail lending means stability. The mortgage industry is under pressure. Rates are elevated. Volume is down. And the big wholesale players are feeling it. Some brokers who relied on UWM are navigating uncertainty right now. If you are working with a broker and feeling unsure about what this means for your loan, come talk to me. Retail lending means stability. Direct relationship. No layers between you and your lender ◆Good news: rates ticked down. Six point six nine percent as of August sixth, per FRED. Down from six point seven two last week. Small but moving in the right direction. The 10-year Treasury is at four point six three percent. Stable ◆Every Charlotte-area county saw prices drop in July. Mecklenburg down $7,705. York County down nearly $13,000. Cabarrus down $10,000. Union down $2,300. Iredell down $2,625. That is not one county. That is the whole region softening. And that is your buyer's window ◆60+ affordable homes opened in Ballantyne this week. Real inventory hitting the market. Real options for buyers. Exactly what this market needs ◆ The mortgage industry is shaking out. Rates are easing. Prices are softening. Sellers are still offering concessions. That is a buyer's market. Use it. Seller credits can fund a permanent rate buydown. Not temporary. Permanent. Every month for 30 years
Episode #74
Negotiations Are Tilting Your Way ◆This market is working in your favor. Charlotte inventory is at its highest level since 2016. Active listings jumped over 21% year over year. That is real competition among sellers. And it is changing how deals get done ◆Mecklenburg County: Median listing price at $470,605. Homes sitting on the market about 45 days, up 5% from last year. Nearly 22% of listings had a price reduction. Sellers are adjusting. That is not a crash. That is a market tilting toward buyers ◆Union County: Median listing price at $552,250. But homes are sitting longer there too. Sellers who priced aggressive are waiting. And waiting sellers get flexible ◆What flexible looks like: Seller concessions are at record highs nationally. Closing cost credits. Rate buydowns. Price reductions. Home warranties. Sellers are offering things they would not have considered a year ago ◆The combo that wins: Use seller concessions to fund a permanent rate buydown. Not a temporary 2-1 buydown that disappears after two years. A permanent buydown that lowers your rate for the life of the loan. Every month. For 30 years. Seller pays for it. You benefit forever ◆ Do not sit on the sidelines waiting for the Fed. The Fed held last week. Rates are what they are. But the negotiating power you have right now might not last. More inventory. More time. More concessions. More leverage. This is the best buyer window Charlotte has seen in years
Episode #73
The Fed held. No rate hike. Fifth consecutive hold this year. The vote was 9-3. Three members wanted a hike, but the majority chose patience. That is a win in this environment ◆ Rates at six point six seven percent as of July twenty ninth, per FRED. Up a touch from six point six four last week. But not spiraling. The 10-year Treasury is at four point six seven percent. Stable. The Fed had a real debate about raising rates and chose not to. That tells you something ◆What to watch: The next CPI report lands August 12. If it comes in cooler, rates could ease. The three dissenting votes are worth watching for September. But today, patience won ◆Charlotte is getting a Wegmans. October 14. Ballantyne. People are already planning to camp out. 400+ jobs. A grocery store people treat like a destination. That tells you everything about where Charlotte is headed ◆Charlotte's only full-time law school is coming. Elon University launches its Charlotte law program Fall 2027. The first since Charlotte School of Law closed in 2017. Investment, talent, Charlotte growing up ◆ Rates are higher than any of us want. But the Fed chose to hold. Charlotte keeps adding jobs. And buyers who use a permanent rate buydown are winning right now. Seller credits buy the rate down for the life of the loan. Not a temporary fix. Permanent savings. Every month. For 30 years. The market is challenging. But challenging markets reward the people who act
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