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It may be long overdue, but the McMansion appears toandnbsp; have finally reached its end. This can be joyous news for manyandnbsp; environmentalists who have long seen these monstrosities as aandnbsp; waste of resources, energy, and symbols of materialisticandnbsp; society. For builders, though, it means that they need toandnbsp; downsize their homes and sometimes also their staff.
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During theandnbsp; past several decades, average home sizes were continuing toandnbsp; expand and in the beginning of the new millennium, the averageandnbsp; home size was around 2,300 square feet. In 2009, that numberandnbsp; had dropped to 2,135 square feet. This isnandrsquo;t a significantandnbsp; number in total square footage, but the trend makes perfectandnbsp; sense from a global and national standpoint.
There are many factors that areandnbsp; apparently contributing to this decrease in home size. One ofandnbsp; the more significant factors is that square footage costsandnbsp; money in property taxes as well as purchasing price and withandnbsp; millions of people out of work, thereandrsquo;s just not the sameandnbsp; amount of purchasing power at the moment.
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The mortgage crisisandnbsp; has also contributed to this downsizing. Many lenders areandnbsp; being more scrutinizing when evaluating potential buyers andandnbsp; are not offering the massive loans that they were just a fewandnbsp; short years ago. It seemed throughout the nineties that theseandnbsp; McMansions were growing larger and larger and with them, soandnbsp; was their price.
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Homeowners across the nation are deciding thatandnbsp; having a smaller home is simply a better investment. Afterandnbsp; all, how many couple with two children really need sixandnbsp; bedrooms, five bathrooms, and a three or four car garage?
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andlt;bandgt;Home heating costs are part of the equationandlt;/bandgt;
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It canandrsquo;t beandnbsp; stated enough that the cost to heat a home during the winterandnbsp; months, or to cool it in the hot summer months, has gone upandnbsp; significantly during the past several years. When a family isandnbsp; struggling to make ends meet for their McMansion and then addandnbsp; to that the rise in these costs, it can break almost anyandnbsp; budget. When the costs to heat and cool homes continued toandnbsp; rise, the call for less square footage really kicked in.
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Peopleandnbsp; stopped and looked around at their existence and realized howandnbsp; much space was wasted within their homes. And the downsizingandnbsp; began.
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andlt;bandgt;Living within oneandrsquo;s means is a new concept?andlt;/bandgt;
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Afterandnbsp; the seventies, credit cards and credit companies began toandnbsp; blossom like never before. Americans were encouraged to spendandnbsp; on credit. If they wanted something right now, it wasnandrsquo;t suchandnbsp; a bad idea to buy it, put it on the charge card, and worryandnbsp; about the cost later. As the eighties rolled into theandnbsp; nineties, McMansions began to take off like nobodyandrsquo;s business.
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The idea of buying the house of your dreams was planted inandnbsp; many would-be homeowners. Why not buy what you will want tenandnbsp; years from now at that time? It didnandrsquo;t seem to matter whetherandnbsp; the mortgage was consuming almost every dime that you made;andnbsp; you had credit in the bank in the form of credit cards. Peopleandnbsp; ran up ten, twenty, thirty thousand dollars and more justandnbsp; trying to survive and make ends meet so that they could keepandnbsp; up with their enormous homes.
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Those days seem to be drying outandnbsp; now for millions of Americans. Credit card companies areandnbsp; closing accounts, raising interest rates, and looking toandnbsp; tighten up on their own lending practices, which means thatandnbsp; virtual endless stream of funds is running out fast. Sizingandnbsp; down with homes is the logical step and while the industry mayandnbsp; suffer some lag when the McMansion finally goes extinct, theandnbsp; next phase will begin.
David Reinholtz is a professional <a href=” http://www.loanofficerschool.com”> Mortgageexpert in Real Estate Industry </a>.David is alsoa sales and marketing expert and trainsprofessionals in every career field.David haspersonally trained tens ofthousands of loanofficers, mortgage brokers, real estate agentsand individuals through The Close More UniversitySeminar Series, <a href=” http://shop.loanofficerschool.com/”>LoanOfficerSchool.com Classes </a>,Correspondence and On Line Learning, andcountless private engagements and training eventsthroughout the country.
David is the Founder and CEO ofLoanOfficerSchool.com, an approved educationprovider for The Conference of State BankSupervisors and The National Mortgage LicensingSystems' (NMLS) required pre-licensing educationand continuing education.
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Date: Tue, 16 Nov 2010 -
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