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This is an incredibly simple explanation of the term "Yield Spread Premium" and how interest rates don't change, the price does. Your buyers will love this.
Via Rick Pelleriti-MBA & Upfront Mortgage Broker (Clarion Mortgage Capital, Inc.): Borrowers always ask me if I think interest rates will go up or go down. I can now tell them with 100% certainty what will happen.
Here it is......
Interest Rates will stay the same - they will never change.
Does that sound odd to you? I agree that it might.
However, it is true, and I will (6 comments)
Impress Your Friends With Your Knowledge of Languages - 02/27/10 06:55 PM
I love this tool and have been meaning to share it for quite a while. If you can type fast enough and need to get something across in another language, try this Translator. It works incredibly well, and it's free. Try this out: Just plug the text below into the box, pick Chinese to English and see what happens. Quite amazing. You can also just start typing and clicking any language to see the translation.
The Los Angeles County Housing Market is not showing a definite trend. We look forward to February's figures for a clearer picture. The sale of Single Family Homes in January 2010 remains pretty much the same is the previous January, but dropped approximately 36% from December 2009. The median price in January 2010 increased 9% over the previous January, but decreased 6% over December '09. However the median price is up 1.5% over '09 total Condo Sales in January 2010 increased 22% over the previous January, but decreased 34% over December '09. The median price decreased 3% over the (6 comments)
Boulevard Realty is Growing - 02/24/10 12:00 AM
There is a slight change in my profile that I am sure none of you will notice. However, if you look carefully you will see that the company I work for has changed - as of today. I am joining Danny Batsalkin at his company, Boulevard Realty. Some of you will know Danny from his frequently featured blogs here in Active Rain.
I know a couple of months ago I was extolling the virtues of eXp Realty and had decided that I was going to join what is definitely an exciting new venture and one that is probably the (31 comments)
The statistics below cover home sales in Culver City, California and are for single family homes. They do not include condos, income property and private sales. There were 6 sales in January, down from 14 in December, '09. The highest price sold was $788,000 and the lowest $475,000. The median prices was $650,000, up from $542,500 in December. Sales price received vs. listing prices was $97.6%, almost the same as December which was 98%. Average days on the market was 39, exactly the same as in December. Below is a breakdown of last month's housing sales in Culver City.
The statistics below cover home sales in the Westwood - Century City area. They are taken directly from the MLS and are for single family homes only. They don't take into consideration condos, income property and private sales. January was an extremely slow month with only 4 homes sold as opposed to December '09 with 16 sold. The highest price sold was $2,869,000 in Holmby Hills and the lowest $817,000 in the flats near Century City. The median sold price was $1,182,000, down from $1,250,000 in December '09. Sales price received vs. listing price was $98%, up from $97.1% (4 comments)
The statistics below cover home sales in Santa Monica, California and are taken directly from the MLS, are for single family homes, and don't take into consideration condos, income property and private sales. There were 14 sales in the month of January, down from 18 in December '09. The highest price sold was $2,875,000 and the lowest $650,000. The median price was $1,543,500, up from $1,190,752 in December. Sales price received versus the listing price was 93.4%, basically the same as in December.Average days on the market was 75, also basically the same as December.Below is a breakdown of last (8 comments)
The statistics below cover home sales in the Palms and Mar Vista areas of Los Angeles, are taken directly from the MLS and are for single family homes. They do not take into consideration condos, income property and private sales. There were 10 sales in the month of January, against 21 in December '09. The highest price sold was $1,340,000 in Palms and the lowest $535,000 in Mar Vista. January is usually a slow month for home sales, thus the drop. The median sales price was $787,988, an increase over $750,000 in December. Average days was 70, an increase over (2 comments)
The statistics below cover home sales in the major Echo Park area (90026), are taken directly from the MLS and are for single family homes. They also don't take into consideration condos, income property and private sales. There were 13 sales in the month of January '10, 1 more than in December '09. The most expensive home sold was $712,000 and the least expensive $100,000. The median sales price was $325,000, no real change from December '09. Average days on the market for sold properties was 95, up from 37 in December. There were 41 active listings, 6 (12 comments)
Brentwood home sales statistics are taken directly from the MLS and are for single family homes. They do not take into consideration condos, income property or private sales. There were 14 homes sold, 7 more than in January '09, and 10 less than December '09. The most expensive home sold was $4,400,000 and the least expensive $920,000. The median sales price was $1,826,250, up from $1,715,000 in January '09, and $1,767,500 in December '09. Sales price received versus listing price was 90.1%, down from 92.1% in January '09, and 92.4% in December '09. Average days on the market for (9 comments)
Two Sides of an Insurance Story - The Ugly and the Good - 02/13/10 09:55 PM
Some of you may have heard that Anthem Blue Cross has, in their infinite wisdom, decided that they need to make just a little more money in California and decided to raise their premiums yet again. It seems like they do it every five minutes. So guess how much they think they can squeeze out of us? 39% My present monthly premium with a $5000 deductible is $516. If I stay on the same plan it would increase to $701. It is beyond mind boggling. I do have the option to get a $7500 deductible and pay only $563. They have (31 comments)
Principal Reduction Program - Hope for Homeowners - 02/13/10 09:11 PM
For anyone in danger of being foreclosed on, or have to short sell their home, this is interesting reading, and maybe a way out. Via Rick Pelleriti-MBA & Upfront Mortgage Broker (Clarion Mortgage Capital, Inc.): Principal Reduction Program Offers Hope to Underwater Homeowners.
Millions of American homeowners are "underwater" in their homes, meaning they owe more than their property is worth.
This unfortunate circumstance is at the root of so many financial problems today - from Short Sales, to Foreclosures, REOs, and the resulting lowering of property values and surplus inventories dropping prices further in a never-ending (14 comments)
The Beverly Hills home sales statistics below are taken directly from the MLS and are for single family homes. They don't take into consideration condos, income property and private sales. 8 properties sold in January '10 up from 2 in January '09 and down from 12 in December '09. The most expensive was $3,575,000 and the least expensive was $1,180,000. Both were in the flats. The median price of $1,687,500 down from $2,413,500 in January, 09 and $2,465,000 in December '09. Days on the market for sold listings increased to 98 against January '09 and decreased from (5 comments)
Southern California Home Buyer's Fair March 13th and 14th - Free Attendance - 02/10/10 11:39 PM
The third annual Southern California Home Buyer's Fair will take place on March 13th and 14th at the Los Angeles Convention Center The event is sponsored by the California Association of Realtors and is expected to draw thousands of potential homebuyers.Sunday will feature more than 50 educational seminars designed to help potential buyers through the maze of information they need to know. The wide variety of subjects covered include:Basics of Homeowner's InsuranceHow to Plan and Save for Your First HomeAvoiding Mortgage FraudFinding a Loan in Today's MarketHome Inspection 101Loan Tips for First Time BuyersAssistance Programs for First Time BuyersThe event is (17 comments)
Don't Let the Credit Report Companies Use Your Personal Information - 02/09/10 06:04 PM
It would appear that the major credit report companies, Transunion, Equifax, and Experian are using the information the gather from the consumer credit reports for marketing purposes. Under the Fair Credit Reporting Act (FCRA) these companies can provide other credit or insurance companies with your name so that they may solicit your business. More junk mail to return. However you may opt out at OptOutPrescreen.com. (16 comments)
MORTGAGE INTEREST RATES 1983-2009 - 02/09/10 05:27 PM
This is an excellent overview of the mortgage interest rate trend over the past 27 years. We can only hope that the present rates will be around for a while. Via Lenn Harley, Homefinders.com, MD & VA Homes and Real Estate: MORTGAGE INTEREST RATES 1983-2010
INTEREST RATES STILL HOLDING! How long it will last is the question. Sooner or later. . . . . Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988. (2 comments)
No matter what situations life throws at you.. No matter how long and treacherous your journey may seem. Remember there is a light at the end of the tunnel.
You're laughing, aren't you? That's good, 'cause my job here is done!
Cats are so dramatic!! (37 comments)
Los Angeles Areas Open Houses for Sunday, February 7th - 02/06/10 10:35 PM
Below are Single Family open houses for selected areas of Los Angeles for Sunday, February 7th. N-New R-Review C-Cancelled P-Price Reduction Lunch Refreshments TC-Tennis Court PL-Pool FP-Fireplace VU-View GH-Guest House MDS-Maid's Quarters
Three Little Words That Work!!(1)The three little words are: 'Hold On, Please...' Saying this, while putting down your phone and walking off (instead of hanging-up immediately) would make each telemarketing call so much more time-consuming that boiler room sales would grind to a halt. Then when you eventually hear the phone company's 'beep-beep-beep' tone, you know it's time to go back and hang up your handset, which has efficiently completed its task.These three little words will help eliminate telephone soliciting.. (2) Do you ever get those annoying phone calls with no one on the otherend? This is a telemarketing (177 comments)
Sometimes You Just Can't Dress Yourself! - 02/02/10 12:47 AM
If you have never been to an Indian celebration, puja, engagement, sangeet, wedding, you have missed out. The ritual is amazing, the music exotic and stimulating, the food out of this world, the clothes spectacular. But try putting on a sari........ (33 comments)
A Los Angeles Realtor® specializing in absentee owners, out-of-town buyers and those needing extra assistance with one of the most important transactions of their lives. Just sit back and relax! You are in capable hands.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.