cardiff ca homes for sale: Spring Cleaning Clutter Tips - 06/08/10 02:13 AM
As another spring comes to an end it’s a good time to ask yourself “did I ever get around to spring cleaning this year?” If not, here are some ueful tips to implement before the BBQ season begins-
 
That kitchen drawer
Take the pizza rolling, slicing thing and all those other items you bought for less than $5.99 that you just knew you’d always use and put them in a cardboard box. Whenever you use one of the items, put it back in the drawer. At the end of the month—with the exception of the turkey baster—you need to ask … (3 comments)

cardiff ca homes for sale: Summer Kick-off party - 06/01/10 11:33 AM
 

Summer is around the corner which means it’s time for the annual Fiesta Del Sol’s two-day street and music festival held at Fletcher Cove in Solana Beach. This years event takes place June 5th and 6th. The Fiesta is celebrating its 31st year!
This well-attended events main highlights are: continuous live music and entertainment into the evening, Arts and Crafts, Merchant Booths, Children's Activities, International Food Court, Beer and Wine Garden and Sponsor VIP Section. 
 
2010 Music Lineup
Sat • June 5 7:45 Aggrolites  Fusion of reggae, soul and grit. Read more... 6:15 Balkan Beat Box  Funked up beats, … (0 comments)

cardiff ca homes for sale: Real Estates New Problem - Not Enough Homes - 05/24/10 02:08 AM
Can it be possible? Despite the housing bust and high foreclosure rates, in some areas we don't have enough homes to sell.
 
There is currently an eight-month supply of homes on the market -- meaning that, at the current sales pace, it would take eight months to run through the backlog.
 
That's still a lot compared to the six-month supply that is expected in a normal market, but it is much better than it was. In March, there were nearly 2% fewer homes on the market than there were a year ago, and 21.7% fewer than the record of … (2 comments)

cardiff ca homes for sale: Tips For Home Buyers Still Looking For “A Deal” - 04/02/10 01:41 AM
 
The California Association of Realtors (CAR) reports that 84 percent of home buyers use the internet as a significant part of the home buying process, according to its 2009 Survey of California Homebuyers.
"There is so much more information made available to us online, when you go to the actual home, it's just a validation process for what you've seen online," says Douglas de Jager, co-founder of Dothomes.com another new online listing service. 
Browsing for housing on the Internet has become just about as important as having a real estate agent help find a home to buy, but the ease … (1 comments)

cardiff ca homes for sale: North San Diego County HomeDexTM February 2010 Summary Report - 04/01/10 02:12 AM
Single-Family Attached Homes

The North San Diego County median-priced single-family attached (SFA) home increased 6.67 percent to $240,000 in February 2010 from $225,000 in January 2010, following two months of price declines. The Non-North San Diego County SFA home median price rose from $200,000 in January 2010 to $205,750 in February 2010.1
 
North San Diego County SFA median prices increased 32.6 percent year-over from $181,000 in February 2009, the seventh month of year-over price increases (five of which exceeded 13 percent) following 24 months of year-over declines.
 
The county-wide SFA home median price increased 1.9 percent to $215,000 … (0 comments)

cardiff ca homes for sale: North San Diego County HomeDexTM February 2010 Summary Report - 03/31/10 01:42 AM
Single-Family Detached Homes
 
The median price for all homes in North San Diego County – single-family detached and single-family attached – increased to $365,000 in February 2010 from $361,000 in January 2010.1
 
The median-priced single-family detached (SFD) home in North San Diego County increased 4.52 percent to $439,000 in February 2010 from $420,000 in January 2010, countering two months of relatively small price declines. The SFD median price in Non-North County zip codes rose 3.41 percent to $348,500 in February 2010 from $337,000 in January 2010.
 
Year-over median SFD price in North San Diego County increased 20.3 percent … (0 comments)

cardiff ca homes for sale: FAQ CALIFORNIA Homebuyer Tax Credit - 03/30/10 05:51 AM
The state Legislature approved and Gov. Schwarzenegger signed into law in March a homebuyer tax credit for California. Here’s what you need to know about the program.
How much is the tax credit? The homebuyer tax credit is for up to $10,000 or 5 percent of the purchase price – whichever is less – for the purchase of a newly constructed, previously unoccupied home. There is also a tax credit of up to $10,000 for the purchase of an existing home by a first-time homebuyer.
How much money is available in funding for the program? There is a $200 million allocation … (2 comments)

cardiff ca homes for sale: Obama administration revises anti-foreclosure strategy - 03/29/10 01:58 AM
The Obama administration’s newest foreclosure-prevention efforts, expands on the government's marquee foreclosure prevention program, Making Home Affordable. That program was originally expected to reach as many as 4 million borrowers, but it is not on track to help so many.
To reach its goal, the administration is adding tools to help lenders reach struggling borrowers who have lost their jobs or who are "underwater" because home values have plunged and they now owe more than their homes are worth.
 Administration officials said the new efforts are not designed to help all troubled borrowers, but rather those who stand the best chance … (4 comments)

cardiff ca homes for sale: MBS Program Nears End - 03/25/10 09:06 PM
In early 2009, the Fed embarked on a $1.25 trillion mortgage-backed securities (MBS) purchase program to help keep mortgage rates low and stimulate the economy. The amount purchased varied from week to week, reaching a peak of $33.2 billion in the week of March 25, 2009. The Fed has been gradually reducing the size of its purchases at a pace consistent with a March 31 conclusion of the program, and the most recent weekly purchases have been down to around $10 billion.
 
As the date nears, the big question is what will happen when the MBS purchase program ends. This … (2 comments)

cardiff ca homes for sale: HUD clarifies the application of realty add-on fees - 03/23/10 03:13 AM
I just read an article in The Washington Post which reminded me of a conversation I had with some agents in my office about a month ago. I know we have all been seeing extra fees popping up in Shortsales. Does it matter whether a real estate agent charges you a flat commission rate -- say 6 percent -- or quotes you a flat rate but adds hundreds of dollars labeled an "admin" or administrative fee?
Helen R. Kanovsky, general counsel at the Department of Housing and Urban Development, clarified the government's position on controversial add-on fees in a recent letter to industry … (2 comments)

cardiff ca homes for sale: Are We On The Road To Recovery? Some Housing Experts Say Yes - 03/21/10 05:44 PM
Some of the nation’s top economists believe the housing market has turned and better days are on the way for the housing industry.
  Increases in jobs, credit, and affordable homes will overcome impediments such as rising interest rates, and the expiration of the Federal stimulus program to push the housing market toward recovery, says Dean Maki, chief U.S. economist for Barclays Capital.
  “I would bet even odds that we’re at a bottom and that we’re going to see improvement in the coming months,” says Karl Case, co-creator of the S&P/Case-Shiller Home Price Index and a professor of economics at Wellesley College.
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cardiff ca homes for sale: New Fed Statement Has Some Positive News - 03/18/10 09:49 AM
Fed Statement Summary: Fed says household spending is increasing at moderate rate, labor market stabilizing and inflation likely to be subdued for some time. The Fed is leaving rates unchanged at 0.25 and said will keep them exceptionally low for an extended period. keep in mind I am referring to the fed funds rate here which is the interest rate at which private depository institutions (mostly banks) lend balances (federal funds) at the Federal Reserve to other depository institutions, usually overnight 
 

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cardiff ca homes for sale: Casino's Aren't The Only Place To Lose Your Money In Las Vegas - 03/16/10 08:03 AM
The average home in the USA has appreciated +1.7% (in aggregate, not per year) over the last 5 years (i.e., 2005-09). Homes in Wyoming have performed the best, gaining +26.7% on average. Homes in Nevada have fared the worst, losing 40.4% of their value (source: Federal Housing Finance Agency).

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cardiff ca homes for sale: Time Is Running Out On First Time Buyer/HomeOwner Upgrade Tax Credits - 03/12/10 12:11 AM
The Worker, Homeownership, and Business Assistance Act of 2009 has extended the federally-supported tax credit of up to $8,000 for qualified first-time homebuyers purchasing a principal residence. It also authorizes a tax credit of up to $6,500 for qualified repeat or move-up homebuyers.The new tax credit expires April 30, 2010 (buyers must be under contract by April 30, 2010, and close on or before June 30, 2010). That means homebuyers should act now. With an estimated cost of $10.8 billion over 10 years (estimated by the Joint Committee on Taxation), it is not likely that the credit will be extended beyond … (0 comments)

cardiff ca homes for sale: New Program Will Pay Homeowners To “Shortsale” - 03/11/10 12:56 AM
 
In another sign of the times (crazy as they may be) on April 5, 2010, in an effort to end the foreclosure crisis, the Obama administration will start paying troubled homeowners to “Shortsale” their home. This latest program, which is still being fine tuned, will allow owners to sell for less than they owe and will give them a little cash to speed them on their way. Reports show more than five million households are behind on their mortgages and risk foreclosure. Only a small percentage of homeowners have been helped by the government’s $75 billion mortgage modification plan. The … (0 comments)

 
Rob Denny, "Dream Home Specialist" (HomeSmart Realty West)

Rob Denny

"Dream Home Specialist"

Carlsbad, CA

More about me…

HomeSmart Realty West

Address: 900 S. Coast Hwy 101, Encinitas, Ca, 92024

Office: (858) 504-0449

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