Mortgage Market Update 4-09-21

Nearly 2.4 million Americans were unemployed for at least a year, according to the March jobs report from the Bureau of Labor Statistics. That represents 24% of all unemployed. Long-term joblessness is increasing even as the U.S. unemployment rate fell to 6% in March, an unusual dynamic during recessions according to economists.

2020 Property Tax Increases Outpaced Inflation. “Homeowners across the United States in 2020 got hit with the largest average property tax hike in the last four years, a sign that the cost of running local governments and public school systems rose well past the rate of inflation. The increase was twice what it was in 2019,” said Todd Teta, chief product officer for ATTOM Data Solutions. “Fortunately for recent home buyers, they have mortgages with super-low interest rates that somewhat contain the cost of home ownership.

The current mortgage rates are still at a historically low level, and it is still recommended to lock in interest rates.

劳工统计局（Bureau of Labor Statistics）周五公布了3月份的就业报告，据统计，近240万美国人至少失业了一年。占所有失业者的24％。即使3月份美国失业率降至6％，长期失业仍在增加。经济学家说这是经济衰退期间的不寻常动力。

2020年房产税增幅超过通货膨胀率。 “ 2020年全美的房主遭受了过去四年平均最高的房产税上调，这表明地方政府和公立学校系统的运营成本远远超过了通货膨胀率。增长幅度是2019年的两倍是在。” ATTOM数据解决方案首席产品官Todd Teta说道。 “对于最近的购房者来说，幸运的是，他们拥有的超低利率抵押贷款在一定程度上包含了购房成本。

现在的贷款利率还是处在历史低位，还是建议锁定利率。

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