{"id":957,"date":"2013-07-29T18:56:34","date_gmt":"2013-07-29T18:56:34","guid":{"rendered":"http:\/\/riverbankfinance.com\/blog\/?p=957"},"modified":"2013-09-05T21:37:32","modified_gmt":"2013-09-05T21:37:32","slug":"where-are-all-of-the-first-time-home-buyers","status":"publish","type":"post","link":"https:\/\/riverbankfinance.com\/blog\/where-are-all-of-the-first-time-home-buyers\/","title":{"rendered":"WHERE ARE ALL OF THE FIRST TIME HOME BUYERS?"},"content":{"rendered":"<p><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2013\/07\/first-time-home-buyers.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-958\" alt=\"First time home buyers disappearing.\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2013\/07\/first-time-home-buyers.jpg\" width=\"400\" height=\"400\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2013\/07\/first-time-home-buyers.jpg 500w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2013\/07\/first-time-home-buyers-150x150.jpg 150w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2013\/07\/first-time-home-buyers-300x300.jpg 300w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/a><\/p>\n<h1>What\u2019s going on with the first time homebuyer?<\/h1>\n<p>It is hard to decipher the recent housing number reports as all of the first time home buyer seem to be disappearing. Because of recent market changes the May housing report is at it\u2019s highest numbers since May 2006. Bloomberg, also reported that mortgage applications have sunk to their lowest levels in 19 months. One important note that helps explain this is The National Association of Realtors has reported that 33% of all new home sales are from cash buyers. It stands to reason that barely any of these new first time home buyers took part in buying a house for cash though. The first time home buyer has always been a cornerstone piece of the real estate market. The real estate market is not a strong real estate market without the first time home buyer.<\/p>\n<h1>The numbers indicate that there are fewer and fewer first time homebuyer\u2019s. Why is that?<\/h1>\n<p>Most seller\u2019s who are moving up in house will not be able to buy there next home unless a <a href=\"http:\/\/riverbankfinance.com\/mortgage-programs\/first-time-home-buyer.html\">first time homebuyer<\/a> buy\u2019s there home. If there are fewer and fewer first time homebuyers then the seller trying to move up in house will not be able to sell their home. Since first time homebuyers only accounted for 28% of the total sales in May fewer 2nd time homebuyers are having the opportunity to move up in house. Typically, first time homebuyers account for 40% of the total sales in May. Jobs may be the main reason why there are so few first time homebuyers. Others say that sticker lending guidelines and rapidly rising rates may be the reason.<\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f185-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"185\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/957#wpcf7-f185-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"185\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f185-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"application_form\">\n\t<div class=\"block_top\" id=\"apply_form\">\n\t<\/div>\n\t<div class=\"spacer_top\">\n\t<\/div>\n\t<div class=\"ApplyFullHeader\">\n\t\t<p class=\"replaceheader\">Request Home Loan Information Now!\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"blueBox\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Name (required)\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Email (required)\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone:\" value=\"\" type=\"text\" name=\"your-phone\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-goal\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"your-goal\"><option value=\"Purchase\">Purchase<\/option><option value=\"Refinance\">Refinance<\/option><option value=\"Cash Out\">Cash Out<\/option><option value=\"More Information\">More Information<\/option><\/select><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Your Message:\" name=\"your-message\"><\/textarea><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"referer-page\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text referer-page\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"referer-page\" \/><\/span><br \/>\n\t\t\n\t\t<\/p>\n\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner submit\" type=\"submit\" value=\"Submit Now!\" \/>\n\t\t<\/p>\n\t<\/div>\n\t<div style=\"text-align: justify; color:#666666;font-size: small;\">\n\t\t<p>By clicking \"Submit Now!\", you consent to receive calls and texts at the number you provided, including marketing by autodialer and prerecorded and artificial voice, and email, from Riverbank Finance LLC about your inquiry and other home-related matters, but not as a condition of any purchase; this applies regardless of whether you check, or leave un-checked, any box above. You also agree to our Privacy Policy and Terms of Use regarding the information relating to you. Msg\/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. This no obligation inquiry does not constitute a mortgage application. To apply now or get immediate assistance, call us at 1-800-555-2098.\n\t\t<\/p>\n\t<\/div>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"169\"\/><script>\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>What\u2019s going on with the first time homebuyer? It is hard to decipher the recent housing number reports as all of the first time home buyer seem to be disappearing. Because of recent market changes the May housing report is at it\u2019s highest numbers since May 2006. Bloomberg, also reported that mortgage applications have sunk<a class=\"excerpt-read-more\" href=\"https:\/\/riverbankfinance.com\/blog\/where-are-all-of-the-first-time-home-buyers\/\" title=\"ReadWHERE ARE ALL OF THE FIRST TIME HOME BUYERS?\">&#8230; Read more &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[301,70,308],"tags":[431,432,420],"class_list":["post-957","post","type-post","status-publish","format-standard","hentry","category-buying-a-home","category-first-time-home-buyer","category-mortgage-tips","tag-buying-a-home-2","tag-cash-buyers","tag-first-time-home-buyers"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"It is hard to decipher the recent housing number reports as all of the first time home buyer seem to be disappearing.\" \/>\n\t<meta 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