sell a home: Ontario, California: Is a mortgage refinance right for you? - 09/14/12 04:05 AM
 
With rates for 30-year mortgages hovering below 4 percent since last October, all kinds of homeowners are trying to get their monthly mortgages reduced, say lenders and mortgage experts. Along with months of record-breaking low interest rates, other factors are driving the refinancing boom: a competitive lending market and changes in some federal refinancing programs for struggling homeowners.  It's prompted many established homeowners with old-school, high-interest mortgages to decide it's time to refi.
To determine whether you should refinance, look at how long you plan to be in your current home and whether the upfront costs outweigh the monthly … (1 comments)

sell a home: Owning is Cheaper than Renting - 04/06/12 07:09 AM
As home rents head higher, owning regains its appeal Rising rents, coupled with slumping home prices and interest rates near record-lows, are boosting demand for homes at entry-level prices.
Increased buying activity from investors and second-home purchases may be factors behind the recent pickup in home sales, but real estate agents say they are fielding more calls from anxious tenants complaining about rising rents.  
Average apartment rents rose by 2.7 percent last year, while the national vacancy rate dropped below 5 percent for the first time since 2001, according to a quarterly survey released Wednesday by REIS Inc., a … (1 comments)

sell a home: Americans ready and willing to buy homes - 01/05/12 09:30 AM
Americans ready and willing to buy, but seller sentiment remains negative
 

The study utilizes 30 years of data from the University of Michigan’s Survey of Consumer Attitudes to examine consumer attitudes toward homeownership before, during, and after the most-recent recession to see if consumer sentiment changed toward home buying and selling.
Key findings from the study include:
 
·     Despite high unemployment, slow economic growth and other problems plaguing the economy, almost 80 percent of American households believe that now is a good time to buy a home.
 
·     Negative home-selling sentiment is strongly related to difficulty … (1 comments)

sell a home: Three Important Things to Consider Before Buying a Home - 01/05/12 09:04 AM
Here's what you should consider:
1."Why should I buy now, if it’s possible that prices will continue to fall, ?" For home-owners, price is the major concern when they decide to sell a home.  As a home-buyer, the cost should be your primary concern. That means you have to take into account what your mortgage's monthly payment will be, considering not only the price paid for the home but also the interest rate of your home loan. Timing the market is a mistake.  Waiting for prices to hit bottom while mortgage interest rates are increasing can wind up costing more over the life of … (3 comments)

sell a home: New Lower Loan Limits Are Now In Effect for FHA, Fannie Mae, and Freddie Mac - 09/30/11 08:50 AM
New Lower Loan Limits Are Now In Effect for FHA, Fannie Mae, and Freddie Mac
The previous conforming loan limit, which determines the maximum size of a mortgage that the Federal Housing Administration (FHA), Fannie Mae, and Freddie Mac can buy or guarantee expired Friday, Sept. 30. 
The new loan limits are for the entire state of California with more than 30,000 potential home-buyers impacted. The local imact will be felt in:
•             Los Angeles County
•             San Bernardino County
•             Riverside County
•             Orange County
•             San Diego County
 
Making sense of the story
Beginning Oct. 1, the conforming … (2 comments)

 
Janine Kirchnavy, The Kirchnavy Team (44Realty Corporation)

Janine Kirchnavy

The Kirchnavy Team

Upland, CA

More about me…

44Realty Corporation

Address: 1425 W Foothill Blvd #237, Upland, CA, 91786

Office: (909) 945-3662

Mobile: (909) 816-9060

We have been assisting homeowners market and sell real estate and helping homebuyers find their dream homes since 1989. Our extensive knowledge of the Southern California real estate market and can help you find the right home for you or the right buyer for your home. We specialize in listing and selling single-family homes, condominiums and residential income properties 1-4 units, including Standard Sales, Probate and Trust Sales, Short sales and Pre Foreclosures, REO and Bank-Owned homes and HUD properties. Serving the community's real estate needs in the Tri-County area including: San Bernardino County, Riverside County and Los Angeles County. Providing you with comprehensive, high-quality customer service is our top priority. So when you decide to buy or sell your home, please contact us - (909) 945-3662 and let's get started!


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