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Marilyn's Real Estate Blog

Encinitas Local Realtor
  • Pending Home Sales Sink 2.6% in June, 2010
    The number of buyers who signed contracts to purchase homes dropped in June, as the weak economy and tight lending standards kept consumers away from the housing market. The National Association of Realtors said Tuesday that its seasonally adjusted index of sales agreements for previously occupied homes dipper 2.6% to a reading of 75.7. That was the [...]
  • Be Careful When You Refinance
    Home mortgage rates are currently near historic lows and have remained at these low levels for several months.  If you have a loan at 6% or higher, you should definitely consider refinancing.  If you have an adjustable rate mortgage, it’s a great time to refinance into a more conservative and consistent 15- or even 30-year [...]
  • Sellers: How to Get the Deal Done
    In a tough real estate market, sellers should think about “sweetening the pot” to get the deal done. Here are five creative ideas: Offer Decorating Allowance: There may be a buyer who likes your home but just has different decorating tastes. To seal the deal, offer a decorating allowance (for painting, new carpets, or wallpaper). You [...]
  • Senate Passes Financial Regulation Bill
    The Senate passed the financial regulation bill, which will impace home buyers and lending guidelines.  Chief among the changes impacting consumers is the creation of a consumer bureau at the Fereral Reserve and the requirement that lenders ensure a borrower is able to repay a home loan by verifying income, employment, and credit history. Under the [...]
  • Residential Sales Recovering in Southern California Coastal Areas
    The Southern California Coastal residential market seems to be decoupling from the rest of the nation with a recovering housing market. Although the recovery is slow, it is an important move in the right direction. Both the L.A. Times and the San Diego Union Tribune on Wed., July 14th had articles addressing the heightened activity [...]
  • A Walker’s Guide to Home Buying
    Many home buyers today not only take into consideration the neighborhood and school in which a house is located, but also which amenities, such as stores and public transportation, are within walking distance. According to urban planners, changing demographics are driviing this growing trend. The baby boomer generation is approaching empty-nest retirement age, while their children [...]
  • Home Buyers Gain More Time to Claim Tax Credit
    President Barack Obama recently signed into law a three-month extension on the deadline for home buyers to obtain a federal home buyer tax credit of up to $8000. Eligible taxpayers who contracted to buy a home, qualifying for the first-time home buyer tax credit before the end of April 2010, now have until September 30, 2010 [...]
  • 7 Things All Borrowers Should Know About FHA Loans
    FHA Pros, LLC, a national FHA condo approval service, has developed a list of facts speaking to the top misconceptions associated with FHA loans. “We have seen home buyer interest in FHA loans go from practially zero three years ago to upwards of 87% today….Despite this rapid rise in popularity, many buyers still do not fully [...]
  • Wow! Mortgage Rates Are At Record Lows!
    According to an article in the San Diego Union Tribune on June 25th, mortgage rates have dropped to record lows. Freddie Mac confirmed this with lenders offering 4.69% on a 30-year fixed-rate loan. The average rate on the 30-year loan fell from 4.75$ last week, dropping below the previous record of 4.71% set in December. As [...]
  • New Problem in Real Estate: Not Enough Homes
    Can it be possible? In spite of the housing crisis and high rates of foreclosure, in some areas real estate agents are complaining that they 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 [...]