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On March 15th, 2020, the U.S Federal Reserve (FED) announced that it would drop interest rates to zero for the first time since the 2008 financial crisis. Once lowered during the financial crisis, rates remained at this level until December 2015. As a secondary effort to maintain economic stability during this period of uncertainty, the FED also recently announced its plans to buy $700 billion in Treasury and mortgage-backed securities to boost the economy from the coronavirus (COVID-19) outbreak. The primary goal of these actions is to lower borrowing costs to a minimum over time.

Since the beginning of 2020, mortgage rates have fallen to the lowest average in 50 years. With so much uncertainty surrounding the spread of COVID-19, no one knows how these events will impact the housing market over the next several months. In the past three months, a backlog of mortgage applications continues to grow along with the growing number of homeowners looking to refinance their homes. 

According to the Mortgage Bankers Association, mortgage loan applications have not reached this quantity in over a decade. Because of the lower rates, many Americans are concerned that they will miss out if they do not buy or refinance their homes at this time. While some sellers are taking their homes off the market and cancelling open houses, low mortgage rates are continuing to drive homebuyers to the market.

The uncertainty of the housing market may continue to mirror this economic uncertainty over the next few months in the midst of the COVID-19 outbreak. As people around the world settle into a new reality of indefinite quarantine, real estate agents are continuing to close deals on virtual mediums as we approach peak buying season. The success of this upcoming transition to digital interactions and communications with buyers will be a key factor in the success of the market for upcoming months.

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Spring is often recognized as the best time of year to sell your home. With the winter quickly drawing to a close, many homebuyers and sellers across the country are questioning their real estate plans this spring due to COVID-19, commonly referred to as coronavirus.

To mitigate the risk of spreading infection, a wide variety of preventative measures are now being taken across the United States. This includes the cancellation of classes, concerts, and sporting events, as well as rearranging vacation plans. As media attention on the virus continues to circulate, many people are buying an excess of cleaning products, hand sanitizers, and face masks to protect themselves. With growing uncertainty surrounding this global pandemic, people are quickly preparing for the worst.

As we continue to learn about this new virus, it is understandable that many homebuyers are concerned about the current state of the housing market. After seeing the negative impacts of the virus on the stock market, many people are wondering if the housing market will take a massive hit as well. 

In addition to the uncertainty surrounding the spread of the virus, no one knows with certainty how these events will impact the housing market over the next several months. With multiple factors at play, including the onset of flu season, it can be difficult to predict how long this virus will present a threat to public health, both within the U.S and around the world. 

Home interest rates are now historically low. As a result, it would require a major drop in demand to shift the outlook of the housing market as we move closer to the buying season. While coronavirus may stand to alter the housing market over upcoming months, employment and wage increases continue to support a strong position for the U.S housing market in 2020.

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Zillow.com has reported that Atlanta, Georgia is currently a buyer’s market. Over the past few years, there has been steady growth, which makes it a favorable area for investors. According to Zillow, home values have increased by 4.8% within the past year. Here are some other notable statistics obtained from Zillow regarding the current state of Atlanta’s real estate market.

Fulton (County North)


  • The median home value is $409,961.
  • Alpharetta home values have gone up 1.5% over the past year.
  • Zillow predicts home values will rise 2.4% within 2020.
  • There are currently 28 foreclosure listings.


  • The median home value is $411,877. 
  • Roswell home values have gone up 0.9% over the past year. 
  • Zillow predicts home values will rise 1.8% within 2020.
  • There are currently 42 foreclosure listings


After finding that there are only 70 foreclosure homes in these two Fulton County North cities, we have concluded that these properties do not remain on the market for very long. 

Fulton (County South)


  • The median home value is $192,054. 
  • Fairburn home values have gone up 5.4% over the past year.
  • Zillow predicts home values will rise 4.1% within 2020.
  • There are currently 135 foreclosure listings.


  • The median home value is $132,074.  
  • Palmetto home values have gone up 2.3% over the past year.
  • Zillow predicts home values will rise 2.0% within 2020.
  • There are currently 9 foreclosures listings.

Union City

  • The median home value is $871,072. 
  • Union City home values have gone up 8.7% over the past year. 
  • Zillow predicts home values will rise 5.5% within 2020.
  • There are currently 46 foreclosure listings.


There are significantly more foreclosure listings in Fulton County South compared to Fulton County North.

Fulton North Atlanta & South Atlanta

North Atlanta

  • 3723 property listings on USHUD.com
  • There are currently 4 foreclosure listings on USHUD.com

South Atlanta 

  • 1200 property listings USHUD.com
  • There are currently 4 foreclosure listings on USHUD.com


There are not very many foreclosure listings in either North or South Atlanta counties.

Additional conclusions on research findings

-Home values have increased in every city on the above lists.

-There are significantly more home listings in Fulton (North Atlanta) compared to Fulton (South Atlanta)


At USHUD.com we strive to bring you the best homes in your area. No longer do you need to search through properties you don't want. 

Search for your next home here

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According to the City of Houston 2020 Facts and Figures, Houston is the fourth most populous city in the nation. In July 2018, the estimated population was 2,325,502. This large metropolis is known for the Space Center, the Grand Opera, and it’s Historic District, which features stunning architecture and plenty of restaurants. To help you get started with your research on Houston, Texas, we gathered significant market data about this metropolitan area.


As the leading online real estate database, Zillow found that Houston home values have increased by 3.6% over the last year. Also, Zillow predicts that home values will continue to rise by 2.4% by the end of 2020. 

Houston, Texas Profile as of 2019:

  • Median price of homes currently listed is $284,995
  • Median list price per square foot is $141
  • Median home value in Houston is $189,397.


According to Realtor.com, there are 14,866 homes for sale.  It was concluded in December 2019 that the housing marketing in Houston is currently a seller's market.

  • Houston consists of 149 neighborhoods. Some of the most popular neighborhoods include Great Uptown, Greater Heights, Montrose, and Alief.
  • With a median listing price of 155.8k, Alief is the most affordable neighborhood
  • With a median listing price of $600k, Montrose is the most expensive neighborhood

With so many reasons to consider Houston as your future hometown, Houston is a great place to start your home search in 2020.

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Do you plan on buying a house this year? There are many important points to consider when searching for real estate. However, price is the biggest determining factor for most homebuyers. The best way to ensure that you do not overspend on your home purchase is to set a budget. The issue for many buyers is that this is easier said than done. Several aspects need to be taken into consideration when creating a house budget today. Continue reading and discover a few tips that will help you formulate an accurate budget.

Include a buffer 

Many buyers will not give themselves enough of a cushion in their savings to cover them on a rainy day. Things will inevitably arise, and you do not want to put yourself in a position where you are strapped for cash because you purchased a home you couldn’t afford. By giving yourself a buffer, you have peace of mind that you are covered if you were ever faced with an issue down the line. 

Determine what kind of loan you can qualify for

One of the best steps a buyer can take is to get prequalified for a mortgage. Doing so will allow a buyer to understand what kind of loan they can qualify for based on their financial situation. This will help to eliminate homes that are out of your price range. 

Factor in your reoccurring monthly costs

It is almost impossible to predict all the expenses you will face in a given month. This is because costs will arise unexpectedly; however, you can account for your reoccurring monthly costs like maintenance, utilities, and insurance.

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Are you preparing to buy your first home this year? The process of buying a home is both an exciting yet daunting task. There are many steps a home buyer should take to have the best chance for successfully buying a home. Keep reading and discover a few important steps first-time homebuyers should take in 2020. 

Save a Down Payment Save for Closing Costs

Many real estate and financial experts believe that it is in your best interest to make a 20% downpayment when purchasing real estate. Yet, there are plenty of buyers today who put down far less when they purchase a home. There is not necessarily a right or wrong answer when it comes to how much homebuyers should be putting down on a home. However, you want to be sure that you have enough saved for not only your downpayment but your closing costs as well. This is where many buyers go wrong. They think they have their finances in order but don’t factor in closing costs into their projections.

Set a budget

Be sure that you set a budget when you begin your home buying search. This is an important step for several reasons. Most notably, it prevents you from buying a home you cannot afford. Also, it helps expedite the home buying process by eliminating home listings that are out of your price range. 

Get Preapproved for a Loan

One of the best ways to gain a competitive advantage from the competition is to get preapproved for a loan. When you get preapproved, you gain a competitive advantage because you become more favorable to sellers. You will be seen as a more serious buyer if you get preapproved for a mortgage.

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