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Is the recovery about to begin?

By
Real Estate Agent with Century 21 Award

Experts are now saying that San Diego has bottomed out and is beginning to show a glimmer of hope toward a recovery.  The recovery will be difficult because of the high housing appreciation and constructionduring the boom and now has has massive foreclosures and construction shut downs.  The low end market is recovering quicker than the high end market. It will be much slower for the homes above the the $700,000 mark.

The big question is will there be a rise in interest rates in March when the Federal Reserve stops buying mortgages from lenders?  Some predictions say rates could increase anywhere from a half a point to one, even two points when the Federal Reserve exits the secondary mortgage market.  Rates will deffinately become less affordable. Which will make purchases more difficult which in turn may hinder the recovering housing market.  Right now, it seems like a wait and see type of environment.  There are no clear cut predictions, only speculations, like there always is in real estate.  

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Dana Couch-Davis
Kendall Haney Realty Group - Memphis, TN
CRS, GRI, ABR, SRES

Andrea, one of the things that I would like to see in the credit market in general, especially in the housing credit area, is some stability.  The government needs to stop changing rules and policies until we see the economy stable again.  That is going to take some time.

Dec 09, 2009 02:35 AM
Lisa VonBargen
Photography7522 - Estes Park, CO
Estes Park Real Estate Photographer

I wish you the best in the San Diego area...you certainly have been hit hard with these market conditions. Seems like for you the best time to buy would be between now and March, with the tax credit benefits and low interest rates.

Dec 09, 2009 02:36 AM
Suzy Morris
The Morris Team - Carlsbad, CA

A rise in interest rates will surely stall any recovery that may be happening (I don't see it yet).  We need to have unemployment numbers drop significantly and the credit markets loosen up (you can now only get the best rates if you have a 730+ credit score) before any temporary uptick can become a recovery. 

Dec 09, 2009 02:38 AM
Andrea Noriega
Century 21 Award - Chula Vista, CA

We definately need to have a stable set of rules.. In San Diego, our amount of first time home buyers is through the roof because of the new credit available.  But they are all so confused on how it works.  And the rules have changed, it causes confusion with buyers and definately in the overall market as well. 

Dec 09, 2009 02:52 AM