Everyone has dreamed of their perfect home. What it would be and where. Here are some common ones.

- The beach home- Drive down the PCH in Malibu and you see the envy of every one around. Houses, right on the beach. Clear skies, blue water, mountains and the smell of salt water. The ocean breeze will make you forget all about the AC. You will sleep like a baby as the peaceful sounds of the ocean lull you to rest every night. You step into your front yard and its sand and ocean, get your surf board and have some fun. Afterwards go back home, take a seat, down a Corona and day is done. This could be a town home type building or if you are feeling a little more remote and exotic, you could go for a Bungalow on the beach. Wooden frames, screens and netting with a near 360′of the water, crystal clear blue waters of the South Pacific. Either way, when they day is done you can head down the beach for a bonfire.

- Mountain Home – Right, beaches aren’t your thing. You head for the hills. If so, get a lodge up in the Rockies or even Alaska if you are really bold, and settle in for a peaceful scenic life. Towering peaks, fresh mountain air, clear cold streams that run into a pond in the valley that your home up high has a brilliant overlook of. Oh it is filled with fresh Salmon as well. Don’t forget the wildlife you see every day. Elk, moose, beavers, eagles, bears and maybe even mountain lions. The long winters just give you more time to snowboard. When you are done, come home, drink some spiced cider and cozy up by a fire in the fireplace. You’re not even sure where the nearest town is. Sure, the snow might seem like a hassle, but deep down inside you know you love it. For your own dream home check out home mortgage today.

- Maybe a lodge or bungalow bore you to tears because you are a city person. You crave the lights, the energy, the sounds, clubs and bars. If so a flat or a high rise is right up your alley. Contemporary furniture and design are your style. The view from your flat is over an artist square and music wafts with gentle in with the night sounds. Or your high rise has an amazing view of the city that you never get bored with. Either way, when it is time to go out you won’t need your car. Just walk down the street or hail a cab and you are off for the evening checking out the hottest new venue or trying a new restaurant. Seen and be seen, while you hang out at cool roof top lounge. Time to paint the town red.

These are just a few options that we can dream about. Of course, you could also live in a hacienda, English estate, cottage or RV. Heck, you could even live in a giant tree house or transform an old missile silo in your new pad. The possibilities are endless, as well the locations, so shoot for the moon, you might reach the stars.

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According to the Mortgage Bankers Association, which publishes Weekly Mortgage Application Surveys, the mortgage loan demand rose 1.1 percent after seasonally adjusted while the purchase index also seasonally adjusted increased 1.5 percent during the week ending May 20, 2011. When not adjusted for season, the mortgage application demand increased 0.9 percent compared to the week ending in May 13, 2011. view home loan rates offered by Ditech here.

More consumers are choosing to refinance as well; the percentage increased 0.9 percent compared to the week ending on the 13th. These are the highest numbers since December of 2010. For a four week period it is up 7.1 percent. As a result, the refinance portion of the mortgage market increased 66.8 percent of the total demand for mortgages. The week before was 66.7% of total demand. The refinance segment is at the highest level for a long time.

The Purchase Index for mortgages also increased. Adjusted for season, it increased to 1.5 percent over the previous week while unadjusted Purchase Index went up 0.8 percent. Last year’s numbers were much lower. Numbers for the current year are 3.1 percent higher than last years numbers.

Interest rates have also changed quite a bit, let’s examine the changes. The 30-year rate moved to 4.69 percent from 4.60 percent while the 15 year rate crept up to 3.78 percent from 3.75 percent. Points decreased to 0.69 from 0.93 for thirty year fixed and decreased to 1.04 from 1.22 for 80 percent LTV loans.

Even though rates increased slightly they are still overall. Experts have predicted these changes for the year 2011. On the other hand, the demand for new loans have not increased as expected.

Analysts say that the numbers show that we are in a “mini-refinance boom in the primary mortgage market.” However, these same analysts are saying that there is little movement in the secondary market. Analysts say that mortgage seekers missed on low rates in October and early November but do not want to blow it again. So it is said that there is a lot of pent up demand.

The new mortgage reforms will also have a significant impact on the housing market because many prospective homeowners will not be able to meet the stringent income to mortgage payment ratio of 28% and heftier down payments. As a result we will see more renters.

Single home families sales increased quite significantly; up by seven percent to be exact. Record numbers were reached in April with 323,000 homes sold in total. This is higher than what most experts predicted; analysts expected the numbers to fall around 300,000.

All states saw an increase in home sales as a whole. However, there was a 23% decline in annual rate sales over all when compared to April of last year. Around 420,000 homes were sold last year. Average selling price for a home was $217,900 which is up from $208,300 from the same period last year. The average sales price was $268,900.

Three quarters of families who purchased a home had an average family income. Analysts say that 74.6 percent of all homes sold in the country were affordable to a family with an income of $64,400. These numbers are the highest since the 1990′s and it means that more Americans than ever can afford to purchase. It also marks the ninth quarter in a row in which the affordable home price bettered 70 percent. Usually these numbers do not even reach sixty five percent. Part of the reason for this increase is low interest rates.

Analysts add that despite homes being more affordable, home sales are still underwhelming due to tight mortgage credit. It is said that lenders are demanding strong credit histories and large down payments. In addition, buyers appear to be holding back expecting home prices will decline. The nation’s least affordable housing was in the New York City region (including White Plains, N.Y. and Wayne, N.J. Other cities with least affordable homes included the San Francisco-San Mateo-Redwood City area and Los Angeles-Long Beach-Glendale and Santa Ana-Anaheim-Irvine, California areas.

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The consequences of global warming are being discussed very often, and at one point, one feels the the necessity to take part in the bandwagon of practicing a more eco-friendly life. You might not exchange your SUV for a hybrid, but you can rebuild your home at a minimal cost, and accomplish your desired environmental conservation objective. It does not matter if you are planning to deal the house to eco-friendly buyers or just doing it to reduce monthly expenditure.

The initial action has something to do with electricity and more importantly the buying of electrical efficient systems.One way you can first take with this is the setting up of solar panels which basically transform all absorbed solar energy into electrical energy.

Depending on the number, size and effectiveness of these panel’s quantity, size and effectivity level, they can be a complete good substitute of your power supply from the main supplier to your own during the time when the sun shines. What this yields is a reduction of the amount of money that you have to pay for bills and you end up saving.

Water is often excessive use especially with showers and toilets making conservation a more concious effort.

All you must do is have an efficient water delivery system at all times, one that will incur some savings daily. The benefits of this move are felt in the long term when the bill will indicate half the amount that you are used to paying.

Natural grass is effective, but if you are budget conscious, artificial grass will suffice. The latter involves no maintenance at all and once ready, calls for no other dedicated farming commitments. You do not need to trim or to tend to do it anytime, meaning you save both in finance and in time.

As the housing crisis bottoms we’ll have plenty of one in a lifetime real estate investing opportunities. You may also want to read our articles about home refinancing so you’ll have funds to invest!

There is an uprising craze in the number of eco-friendly homes. Perhaps the much insisted eco-friendly solution have finally caught up with real estate as individuals are now changing to utilizing renewable power sources and supplies without residual toxins inside their homes. However if you are a newly celebrated ecological folk and you are on your way to buying your new eco-friendly home, there are a few things that you need to consider.

The primary thing to consider is the kind of flooring. Hardwood floors are important in not just in maintaining the aesthetics of the home, but in house warming as it preserves heat specifically during the cold seasons of winter. It prevents the need for carpets which are usually prone to dust.

The windows have to be orientated towards the sun, in order that much natural light as possible can get inside the rooms. They should additionally be huge and preferably double paned. When there is enough source of natural light, you eliminate the need of artificial lighting, and as a result, you save up some cash in the electric bill.

The area you choose for your ecological home is of the essence. It needs to be away from any source of pollution, and instead, be as deep in nature as it can be. If it’s near the city where there are a big amount of carbon emissions from automobiles, or near some factory, then it is inappropriate. Choose instead a location where there is an abundance of trees, and nature is in its fullest.

The plan of the house has is essential too. The bigger a house is the more energy hungry it’s going to be. That’s in consideration of the amount of electrical power supply needed in operating the systems, and in heating and cooling it depending on the natural temperatures. If you do not need too much space, go for a medium sized house that will be simpler to maintain.

As the housing crisis bottoms we’ll have plenty of one in a lifetime real estate investing opportunities. You may also want to read our articles about home refinancing so you’ll have funds to invest!