John Lemos's (jplemos) Blog

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Mortgage and Lending - Cherry Creek Mortgage - NMLS# 613321

ARCHIVED BLOG POSTS

2016 

 A lot of discussion about “sequencing of distributions” has been taking place recently in financial planning circles.  “Sequencing of Distributions” looks at the order in which you take distributions from your retirement account.  This matters because the order in which you take distributions ha...
06/17/2016
 There are several factors to consider when determining if you should buy vs. rent.  These include: How long do you plan to live in the home? What’s your expected annual rate of house price appreciation over that timeframe? What are your expected sales expenses when you sell the house? What’s the...
06/11/2016
According to a recently released report by Harvard University, the inflation-adjusted increase in rents from 2013 to 2015 was the highest increase over any two-year period since 1987.  The official government numbers cited in the report are supported by private research, which show an even larger...
06/10/2016
Most retirement plans created over the past 30 years have assumed that government bond yields during retirement would be a lot higher than they are right now.  As illustrated in the chart, the yield on the 10-yr US Treasury Note fluctuated between 4% and 8% during most of the 1990s, and between 2...
06/06/2016
Home ownership is more affordable today for first-time homebuyers than it has been at any point over the past three years according to data recently released by the National Association of Realtors (NAR).  Here is a chart illustrating NAR’s Housing Affordability Index for First-time Homebuyers.  ...
06/03/2016
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John Lemos

Mortgage Loan Officer, NMLS 613321
smartphone(951) 256-0812
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