Despite efforts by California Association of REALTORS and National Association of REALTORS to fight for an extension of Fannie Mae, Freddie Mac, and FHA conforming loan limits, Congress failed to extend the $729,750 loan limits and allowed them to expire Sept. 30.

This means the maximum loan amount that Fannie, Freddie, and FHA will buy or guarantee is $625,500, and anything above that amount will be non-conforming and will require a jumbo loan. These loans typically carry a higher mortgage interest rate and require a higher down payment, increasing the monthly payment, which will particularly be hard on middle-class buyers and sellers.

Check out the attached link on changes in the loan limits for your area.

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If you like more information about real estate in Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, and surrounding areas, the housing market, or assist you, friends or family in a home search or sale, please phone or text me at (805) 234-4315 or email me at Sherry@SherrySim.com or visit www.SherrySim.com. 

Serving Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, Pismo Beach, Avila Beach, Shell Beach, Arroyo Grande, Atascadero & rest of San Luis Obispo County.

Information provided as a courtesy and deemed accurate at time of posting but not guaranteed.

All content ©Copyright by Sherry Sim2011. All rights reserved

Corner Lot - 7,442 sq.ft.

On Cambria Community Service District Water Wait List

Offered @ $55,000!

If you like more information about real estate in Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, and surrounding areas, the housing market, or assist you, friends or family in a home search or sale, please phone or text me at (805) 234-4315 or email me at Sherry@SherrySim.com or visit www.SherrySim.com. 

Serving Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, Pismo Beach, Avila Beach, Shell Beach, Arroyo Grande, Atascadero & rest of San Luis Obispo County.

Information provided as a courtesy and deemed accurate at time of posting but not guaranteed.

All content ©Copyright by Sherry Sim2011. All rights reserved

Cabrillo Ave, Cayucos, CA - Offered @ $350,000

Sweeping Views from Morro Rock to Cayucos Pier & Beyond. Rare 2.17 Acres Lot in Cayucos. Flanked by Cabrillo Highway One to the West & 13th Street to the South, Lot is Close to Beach & Town of Cayucos. Will-Serve Letter to be Issued by Water Company. Zoned Agricultural. Lots of Potential.

 Views of Morro Rock from Top of Lot

Looking Northwards

Westward Views

South Views

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If you like more information about real estate in Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, and surrounding areas, the housing market, or assist you, friends or family in a home search or sale, please phone or text me at (805) 234-4315 or email me at Sherry@SherrySim.com or visit www.SherrySim.com. 

Serving Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, Pismo Beach, Avila Beach, Shell Beach, Arroyo Grande, Atascadero & rest of San Luis Obispo County.

Information provided as a courtesy and deemed accurate at time of posting but not guaranteed.

All content ©Copyright by Sherry Sim2011. All rights reserved

3347 STUDIO DR, CAYUCOS CA 93430

Offered @ $985,000

Views from Living Area on Lower Level

View Southwards to Morro Rock

View to Cayucos & Northwards

Remodeled Extensively in 2002, Home Feels Like New Yet Cozy. Expansive Windows Bring in the Whitewater Ocean Views on Both Levels, and Lots of Natural Light. Cathedral-Like High Ceilings Add to the Feel of Open Layout Between the Living Room, Dining and Kitchen. Fully Equipped Kitchen with Granite Countertops & Stainless Steel Appliances Await the Gourmet Cook while Tiled Flooring throughout Home Lends to Ease of Maintenance. Expansive Front & Back Decks to Enjoy the Ocean Breeze and Lovely Sunsets. Nicely Paved Exterior & Outdoor Shower Plus Lots of Storage Makes this a Lovely Home.

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If you like more information about real estate in Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, and surrounding areas, the housing market, or assist you, friends or family in a home search or sale, please phone or text me at (805) 234-4315 or email me at Sherry@SherrySim.com or visit www.SherrySim.com. 

Serving Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, Pismo Beach, Avila Beach, Shell Beach, Arroyo Grande, Atascadero & rest of San Luis Obispo County.

Information provided as a courtesy and deemed accurate at time of posting but not guaranteed.

All content ©Copyright by Sherry Sim2011. All rights reserved

Front Exterior

Kitchen

Living Room

Bathroom

Back Yard

422 E TAYLOR ST, SANTA MARIA, CA

Nicely Maintained 3 Bedrooms & 2 Baths Home. Brick Fireplace. New Carpet & Paint. Upgraded Kitchen. Good-Sized Back Yard. Close to Local Amenities & Easy Access to Highway.

Offered @ $178,000.

If you like more information about real estate in Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, and surrounding areas, the housing market, or assist you, friends or family in a home search or sale, please phone or text me at (805) 234-4315 or email me at Sherry@SherrySim.com or visit www.SherrySim.com. 

Serving Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, Pismo Beach, Avila Beach, Shell Beach, Arroyo Grande, Atascadero & rest of San Luis Obispo County.

Information provided as a courtesy and deemed accurate at time of posting but not guaranteed.

All content ©Copyright by Sherry Sim2011. All rights reserved

Front Exterior of 390 Island Street, Morro Bay, CA

Two Brick Fireplaces - Living Room & Upstairs Master Suite

Back Deck & Patio

Creek By Back Yard

Kitchen

Deck Upstairs 

390 ISLAND ST, MORRO BAY, CA 93442

Need to Sell. Short Sale! Offered @ $350,000

Over $100,000 Price Reduction - Make This Your Own Warm & Inviting Space: Two Master Suites; One with a Fireplace for Added Warmth, Plus 3rd Bedroom & Full Bath Downstairs. Open Floor Plan. Ease of Flow From Living Area with 2nd Fireplace to Dining & Kitchen. Very Spacious Indoor Laundry, & Your Private Creek-side Garden @ Back, to Enjoy the Soothing Stream or Embrace the Hummingbirds. Expansive Decks Provide More Outdoor Living Spaces.

If I can provide more information about real estate in Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, and surrounding areas, the housing market, or assist you, friends or family in a home search or sale, please phone or text me at (805) 234-4315 or email me at Sherry@SherrySim.com or visit www.SherrySim.com. 

Serving Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, Pismo Beach, Avila Beach, Shell Beach, Arroyo Grande, Atascadero & rest of San Luis Obispo County.

Information provided as a courtesy and deemed accurate at time of posting but not guaranteed.

All content ©Copyright by Sherry Sim2011. All rights reserved

460 SAINT MARY AVE, CAYUCOS, CA

Licensed Vacation Rental with Protected View Easement. Well-Maintained 3 Bedrooms & 2 Full Baths with Bonus Rooms Right In Heart of Cayucos, Just A Couple of Blocks to the Beach, & Close to Stores, Restaurants & the Pier. Spacious Patio & Back Yard for BBQ, Outdoor Entertaining & More. 

Offered @ $599,000.

If I can provide more information about real estate in Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, and surrounding areas, the housing market, or assist you, friends or family in a home search or sale, please phone or text me at (805) 234-4315 or email me at Sherry@SherrySim.com or visit www.SherrySim.com. 

Serving Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, Pismo Beach, Avila Beach, Shell Beach, Arroyo Grande, Atascadero & rest of San Luis Obispo County.

Information provided as a courtesy and deemed accurate at time of posting but not guaranteed.

All content ©Copyright by Sherry Sim2011. All rights reserved

Is your information on the Internet considered public info?

In addition to background checks, searches on Google, LinkedIn, Facebook, now a new company, "Social Intelligence" ploughs the Internet to gather all sorts of information about you - what you might have said or done online in the past seven years.  

A dossier would be organized with examples of professional honors and charitable work, together with negative information that meet specific requirements.  

Racist remarks, drug involvement, sexual content, references to bombs or weapons and violent activities are considered negative information.  

According to the Federal Trade Commission, "Social Intelligences" was determined to be in compliance with the Fair Credit Reporting Act. The company's goals was to perform pre-employment checks that would help companies meet their obligations to conduct hiring practices while protecting the privacy of job candidates.

Concerns about the service indicated that "employers should not be judging what people did in their private lives when they were away from work".  The Equal Employment Opportunity Commission in Houston also cautioned that "Things that you can't ask in an interview are the same things you can't research".  

If I can provide more information about real estate in Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, and surrounding areas, the housing market, or assist you, friends or family in a home search or sale, please phone or text me at (805) 234-4315 or email me at Sherry@SherrySim.com or visit www.SherrySim.com and www.ShortSalesAndREOs.com.

Serving Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, Pismo Beach, Avila Beach, Shell Beach, Arroyo Grande, Atascadero & rest of San Luis Obispo County.

All content ©Copyright by Sherry Sim2011. All rights reserved

Bike-friendly Los Angeles passed a pioneering law that would protect bicyclists from harassment by motorists. The ordinance makes it a crime for drivers to threaten cyclists verbally or physically.  

Harassed bicyclists could sue in civil court without waiting for city to press criminal charges.  The law was passed following a recent incident that involved a 63-year old bicyclist being struck and killed by a car on a downtown street. 

Stories of harassment included motorists who threw objects, shouted insults, and others who tried to run bicyclists off the road.  Over the past eight years, the number of cyclists have risen by 48%, resulting in increases in conflicts between motorists and bicyclists.  

The League of American Bicyclists regarded the new law as "a groundbreaking move".    

Perhaps bike-friendly San Luis Obispo might follow suit? 

For more info, check out:-

(a) SLO Bike Club

(b) SLO County Bicycle Coalition

If I can provide more information about real estate in Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, and surrounding areas, the housing market, or assist you, friends or family in a home search or sale, please phone or text me at (805) 234-4315 or email me at Sherry@SherrySim.com or visit www.SherrySim.com and www.ShortSalesAndREOs.com.

Serving Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, Pismo Beach, Avila Beach, Shell Beach, Arroyo Grande, Atascadero & rest of San Luis Obispo County.

All content ©Copyright by Sherry Sim2011. All rights reserved

As of July 1, a new California state law requires homeowners to install carbon monoxide detectors. The Carbon Monoxide Poisoning Prevention Act, Senate Bill 183, mandates that all single-family homes with attached garages, gas appliances, or fireplaces (by July 1, 2011) and multifamily or rental units (by January 2013) have the devices installed. Expect to see California appraisers call for this item as they do for hot water straps, smoke detectors, and other jurisdictional requirements.  Help reduce re-inspection fees by having Borrowers and Sellers install this item prior to an appraisal inspection.


California
Cal. Health & Safety Code § 13260 to 13263 – Carbon Monoxide Poisoning Prevention Act of 2010

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Requires State Fire Marshal to developed approved carbon monoxide device list. Prohibits marketing, distribution or sale of devices not on the approved list.

Cal. Health & Safety Code § 17926 to 17926.2 – Regulation of Buildings Used for Human Habitation

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Requires installation of approved carbon monoxide detectors in single-family dwellings by July 1, 2011, and for all other dwellings by 2013 if those dwellings contain a fossil fuel burning heater or appliance, fireplace, or an attached garage. Applies to rental property. Provides $100 penalty upon sale or transfer of noncompliant dwellings.

If I can provide more information about real estate in Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, and surrounding areas, the housing market, or assist you, friends or family in a home search or sale, please phone or text me at (805) 234-4315 or email me at Sherry@SherrySim.com or visit www.SherrySim.com and www.ShortSalesAndREOs.com.

Serving Cayucos, Cambria, Morro Bay, Los Osos, San Luis Obispo, Pismo Beach, Avila Beach, Shell Beach, Arroyo Grande, Atascadero & rest of San Luis Obispo County.

All content ©Copyright by Sherry Sim2011. All rights reserved