December 10, 2008 – 8:07 PM | Comments Off on Clients are saying: I do MORE!

There are what will seem like over 1,000 details between “I think it’s time to move” and “We’re finally unpacked!”
I’ll help you with more of them than any other Realtor.

What are you getting when …

Read the full story »
Eco-Friendly Resources

Eco-friendly products for your home & family

Market Trends & Mortgage Updates

The latest scoop on market trends & mortgage updates

Notes from the Field

The latest queries from buyers & sellers

Out & About

Current happenings in our S.F. and Peninsula communities

Seller/Buyer Resources

Home » Archive by Tags

Articles tagged with: interest rates

Home Sales Are Back On The Rise After A 2-Month Pullback
September 8, 2010 – 5:48 AM | Comments Off on Home Sales Are Back On The Rise After A 2-Month Pullback
Home Sales Are Back On The Rise After A 2-Month Pullback

Just one week after reports of Existing Home Sales and New Home Sales plunging, the housing market signaled that the next few months may fare better than did May and June.

Related posts:

  1. Pending Home Sales Data Forecasts Higher Home Values Next Month
  2. 5 Months In A Row : Pending Home Sales Rise Again
  3. Pending Homes Sales Gain For The 7th Straight Month
New Homes Sales Gain in June, But Gains Are Relative
July 27, 2010 – 5:49 AM | Comments Off on New Homes Sales Gain in June, But Gains Are Relative
New Homes Sales Gain in June, But Gains Are Relative

June’s New Home Sales data is a major improvement over May, but gains are relative. It’s possible that the true “new home market” may be softer than the statistics suggest.

Related posts:

  1. New Homes Sales Were Strong in March, But Not As Strong As The News Would Have You Believe
  2. Homeowners Rejoice! New Homes Sales Data Is Weak.
  3. Pending Homes Sales Gain For The 7th Straight Month
Top Green Gardening Tips
July 22, 2010 – 2:42 PM | Comments Off on Top Green Gardening Tips
Top Green Gardening Tips

Looking to go green, but unsure of where to take your first step? Try the greenest spot of your home: your yard. Green gardening is a great starting point for any journey toward a more earth-friendly lifestyle. It’s easy to get started, it’s fun, and changing how you garden in even small ways can […]

Related posts:

  1. Eight Quick Tips for Living Green
  2. Beautiful on the Outside
  3. What a great eco-friendly, affordable idea! ZippGo: Green, Plastic moving boxes
Eight Quick Tips for Living Green
July 20, 2010 – 2:15 PM | Comments Off on Eight Quick Tips for Living Green
Eight Quick Tips for Living Green

Today, living green isn’t just a lifestyle choice; it makes solid financial sense. As home energy costs increase, homeowners are seeking simple and smart ways to save energy and consequently save money, too. Trying to create a more environmentally sound household doesn’t have to start with taking out a massive loan in order to […]

Related posts:

  1. Planning For A “Quick Close”? Now May Not Be A Good Time.
  2. The Cost Of Living Includes The Cost Of Gas And Food (And May Get More Expensive Through The Winter)
  3. Common-Sense Tips To Help Your Home Sell Quickly
The Fed’s June Minutes Keep Mortgage Rates In Rally-Mode
July 16, 2010 – 5:50 AM | Comments Off on The Fed’s June Minutes Keep Mortgage Rates In Rally-Mode
The Fed’s June Minutes Keep Mortgage Rates In Rally-Mode

At 7,333 words, the June Fed Minutes is the unabridged version of the more well-known, post-meeting press release. The corresponding press release was just 360 words. It turns out, the Fed’s words are doing wonders for mortgage rates.

Related posts:

  1. The Fed’s April Minutes Push Mortgage Rates Even Lower
  2. How The “Fed Minutes” Can Change Mortgage Rates And Home Affordability
  3. Mortgage Rates Spike On The Federal Reserve’s January 2010 Meeting Minutes
Shopping And Paying Bills Online? Here’s Methods To Protect Your Online Financial Identity
June 15, 2010 – 5:50 AM | Comments Off on Shopping And Paying Bills Online? Here’s Methods To Protect Your Online Financial Identity
Shopping And Paying Bills Online? Here’s Methods To Protect Your Online Financial Identity

In May 2010, Retail Sales at non-store retailers — a category that includes Amazon and eBay — topped $29 billion, up 16 percent from May 2009. Clearly, Americans are doing an increasing amount of shopping online. But how well are we protecting our identities?

Related posts:

  1. VIDEO : How Do I Prioritize Paying Monthly Bills Versus Saving For Retirement?
  2. Why Medical Bills Are More Dangerous To Homeowners Than ARMs
  3. So, How Much Is Starbucks Costing You Each Year?
FHA Mortgage Insurance Premiums Approved To Triple In Cost
June 11, 2010 – 5:49 AM | 2 Comments
FHA Mortgage Insurance Premiums Approved To Triple In Cost

In a near-unanimous vote, the House of Representatives gave the FHA power to raise the monthly mortgage insurance premiums it charges to its borrowers.

Related posts:

  1. Separating FHA Fact From Fiction : Mortgage Insurance Premiums
  2. Get Your FHA Mortgage Application Started — Fees Increase 1/2 Percent Starting Monday, April 5, 2010
  3. The Rising Cost Of A Small Downpayment
Pending Home Sales Data Shows Great Deals On Homes Are Getting Harder To Find
June 4, 2010 – 7:00 AM | Comments Off on Pending Home Sales Data Shows Great Deals On Homes Are Getting Harder To Find
Pending Home Sales Data Shows Great Deals On Homes Are Getting Harder To Find

April marks the third straight month that pending home sales are up and today’s buyers should take note. This is because, according to the National Association of Realtors®, 80% of homes under contract close within 60 days.

Related posts:

  1. Pending Home Sales Shows That More Buyers May Be Shopping For Homes Than You Thought
  2. Pending Home Sales Data Forecasts Higher Home Values Next Month
  3. Pending Home Sales Soar In February, As Expected. Buyers Are Everywhere.
The Right Way To Take A Cash Gift For Downpayment
May 27, 2010 – 8:55 AM | Comments Off on The Right Way To Take A Cash Gift For Downpayment
The Right Way To Take A Cash Gift For Downpayment

As lenders tighten mortgage guidelines, minimum downpayment requirements are increasing. It’s leading to an increase in the number of buyers accepting cash gifts from family. There’s a right and wrong way to accept a gift.

Related posts:

  1. How To Receive A Cash Gift For Downpayment
  2. The Proper Way To Give And Receive Gifts For Downpayments
  3. FHA Bans Seller-Financed Downpayment Assistance Programs
WEEKLY HOT RATES for the week ending 5/18/2010 as provided by Guarantee Mortgage
May 24, 2010 – 9:42 AM | Comments Off on WEEKLY HOT RATES for the week ending 5/18/2010 as provided by Guarantee Mortgage
WEEKLY HOT RATES for the week ending 5/18/2010 as provided by Guarantee Mortgage

WEEKLY HOT RATES for the week ending 5/18/2010 as provided by Guarantee Mortgage

30 Yr Fixed Conforming to $417K           4.625%
“1.000” POINTS APR = 4.820%
30 Yr Fixed Jumbo to $729,750 4.750%
“1.000” POINTS APR= 5.080%
30 Year …

Your Mortgage Approval Isn’t Final Until It’s Funded
May 17, 2010 – 11:55 AM | Comments Off on Your Mortgage Approval Isn’t Final Until It’s Funded
Your Mortgage Approval Isn’t Final Until It’s Funded

A mortgage approval is never final until it’s funded. A host of things can “go wrong” while your home loan is underway. Some are in your control, many more are not. And just being aware of some potential pitfalls could help save your loan down the road, and your peace of mind today.

Related posts:

  1. Did You Know : The Lifespan Of A Mortgage Approval
  2. It’s Time To Re-Approve Your Pre-Approval
  3. 6 Things To Avoid While Waiting For A Mortgage Approval
What should I expect from my insurance agent/agency when I buy a new home?
May 14, 2010 – 2:00 PM | One Comment
What should I expect from my insurance agent/agency when I buy a new home?

Insurance is a part of your home closing process. So, outside of being sure that you have an agent that cares about your purchase and protection, offers a reasonable rate and appropriate coverage, you want to make sure that there will be no hiccups in your closing process!
Some insurance companies have specific issues with […]

Related posts:

  1. What Should I Expect from My Lender and My Real Estate Agent’s Relationship?
  2. What are my options with Home Owners Insurance and how do I figure out what I need?
  3. The Difference between Homeowners and Landlord Insurance
1 In 8 Banks Tightened Prime Mortgage Standards Last Quarter
May 12, 2010 – 10:55 AM | Comments Off on 1 In 8 Banks Tightened Prime Mortgage Standards Last Quarter
1 In 8 Banks Tightened Prime Mortgage Standards Last Quarter

The Federal Reserve says that financial markets “remain supportive of economic growth”. Residential mortgage guidelines, however, continue to tighten. If you’ve applied for a home loan recently, you probably felt it; extra scrutiny on income, assets and credit scores, among other things. The hard proof of the changes, however, can be found in the Federal Reserve’s quarterly survey of its member banks.

Related posts:

  1. Banks Raise Mortgage Qualification Standards
  2. Mortgage Approvals Are Getting More And More Scarce
  3. Mortgage Lending Starts To Show Signs Of A Thaw
Shopping For Mortgage Rates Is Part Research Skills, Part Luck
May 11, 2010 – 5:59 AM | Comments Off on Shopping For Mortgage Rates Is Part Research Skills, Part Luck
Shopping For Mortgage Rates Is Part Research Skills, Part Luck

Shopping for mortgage rates takes more than good research skills. It takes a little bit of luck, too.

Related posts:

  1. With Mortgage Rates, You Can’t Shop For Good Luck
  2. How Iceland’s Volcanoes Are Helping Mortgage Rates Fall
  3. What’s Ahead For Mortgage Rates This Week : November 23, 2009
Fight Your Real Estate Property Tax Bill Without A Lawyer
April 22, 2010 – 5:51 AM | Comments Off on Fight Your Real Estate Property Tax Bill Without A Lawyer
Fight Your Real Estate Property Tax Bill Without A Lawyer

More than 60 percent of U.S. homes are “over-assessed”, says an industry trade group. It causes homeowners to pay more in property taxes than they otherwise should have to. You might be one of them. Have you considered fighting it?

Related posts:

  1. Simple Real Estate Definitions : Escrow Account
  2. How The Stimulus Bill Indirectly Lowered Mortgage Rates
  3. Simple Real Estate Definitions : Quitclaim Deed
How Iceland’s Volcanoes Are Helping Mortgage Rates Fall
April 21, 2010 – 5:50 AM | Comments Off on How Iceland’s Volcanoes Are Helping Mortgage Rates Fall
How Iceland’s Volcanoes Are Helping Mortgage Rates Fall

Volcanic eruptions and like natural disasters remind us: mortgage rates change for all sorts of reasons. Some we can predict, most we cannot. There’s literally thousands of influences on the U.S. mortgage market. If you’ve been shopping for a home or floating a mortgage rate, luck’s been on your side.

Related posts:

  1. How Swine Flu Helps Mortgage Rates
  2. What’s Ahead For Mortgage Rates This Week : April 19, 2010
  3. Forget The Dow Jones: How The Treasury’s Economy Revival Outline Helped Mortgage Rates
Home Renovations That Increase Your Resale Value (2010 Edition)
April 13, 2010 – 5:52 AM | 4 Comments
Home Renovations That Increase Your Resale Value (2010 Edition)

Not all home improvements are created equal. Especially if you’re looking for “resale value” back from your work. An article from the Wall Street Journal lays it out cleanly. Function beats flash these days so be wary of where you spend.

Related posts:

  1. Get Your FHA Mortgage Application Started — Fees Increase 1/2 Percent Starting Monday, April 5, 2010
  2. How Falling Gas Prices May Increase Your Home Purchasing Power
  3. The Cost of Living Index Increases; Mortgage Rates Increase, Too.
Don’t Leave Tax Credits On The Table (And How To Get Them Back If You Already Filed)
April 8, 2010 – 5:49 AM | One Comment
Don’t Leave Tax Credits On The Table (And How To Get Them Back If You Already Filed)

Taxes are due April 15 and if you’re among the millions of Americans who wait until the last week to file, watch this video interview. It could help you reduce your federal tax liability.

Related posts:

  1. Good Morning America: TurboTax vs Accountants
  2. How “Repair Credits” To The Buyer Can Sabotage Your Home Sale
  3. 7 Weeks Remain To Find A Home, Claim Up To $8,000 In Tax Credits
The Federal Home Buyer Tax Credit Enters Its Home Stretch — 30 Days Left
April 1, 2010 – 5:52 AM | Comments Off on The Federal Home Buyer Tax Credit Enters Its Home Stretch — 30 Days Left
The Federal Home Buyer Tax Credit Enters Its Home Stretch — 30 Days Left

There’s just 30 days remaining to use the federal home buyer tax credit. The credit ranges up to $8,000 for first-time homebuyers, and up to $6,500 for existing homeworkers who have lived in their main home for 5 of the last 8 years.

Related posts:

  1. There’s 100 Days Left To Claim The Homebuyer Tax Credit
  2. You’ve Got 15 More Days To Use The First-Time Home Buyer Tax Credit
  3. Congress Expands And Extends The First-Time Home Buyer Tax Credit
Get Your FHA Mortgage Application Started — Fees Increase 1/2 Percent Starting Monday, April 5, 2010
March 30, 2010 – 5:55 AM | Comments Off on Get Your FHA Mortgage Application Started — Fees Increase 1/2 Percent Starting Monday, April 5, 2010
Get Your FHA Mortgage Application Started — Fees Increase 1/2 Percent Starting Monday, April 5, 2010

Starting Monday, April 5, 2010, getting an FHA mortgage will be more expensive. That means you’ll want to give a full mortgage application before the weekend so your lender can register your loan in time for the deadline.

Related posts:

  1. Separating FHA Fact From Fiction : Mortgage Insurance Premiums
  2. It’s Semi-Official : New Conforming Mortgage Fees Go Into Effect Monday
  3. Mandatory FHA Loan Fees Increase For Some, Fall For Others
The Average Household Will Get $2,800 In Tax Refunds. Will You?
March 26, 2010 – 7:18 AM | Comments Off on The Average Household Will Get $2,800 In Tax Refunds. Will You?
The Average Household Will Get $2,800 In Tax Refunds. Will You?

If you’re among the Americans expecting a tax refund this year, this 4-minute piece from NBC’s The Today Show may be helpful. It’s a talk about how to receive a refund and what to do with it.

Related posts:

  1. The First-Time Home Buyer Tax Credit : Use It By December 1, 2009 Or Lose It
  2. How To Increase Your Household Cashflow By $500 Monthly
  3. Just Because You Can Borrow From a 401(k) Plan Doesn’t Mean That You Should
CNNMoney.com Predicts The Best And Worst Real Estate Markets For 2010
March 23, 2010 – 5:52 AM | Comments Off on CNNMoney.com Predicts The Best And Worst Real Estate Markets For 2010
CNNMoney.com Predicts The Best And Worst Real Estate Markets For 2010

CNNMoney.com recently published its 2010 forecast and projections for home prices in the country’s largest metro markets. Listed as “Top 25” and also comprehensively by state, CNNMoney.com’s home price forecasts puts Santa Rosa, California at the top of 2010’s home appreciation list and Hanford, California at its bottom.

Related posts:

  1. The Worst Places To Find Local Real Estate Information
  2. How The Case-Shiller Home Price Index Over-Simplifies Real Estate Markets
  3. National Real Estate Data Lumps 128,203,000 Homes In America Into 1 Data Set
For Clues About The Future Of Mortgage Rates, Watch For Inflation
March 19, 2010 – 5:51 AM | Comments Off on For Clues About The Future Of Mortgage Rates, Watch For Inflation
For Clues About The Future Of Mortgage Rates, Watch For Inflation

If you’re trying to gauge whether rates will be rising or falling, one keyword for which to listen is “inflation”. Mortgage rates are highly responsive to inflation.

Related posts:

  1. Ben Bernanke Leaves Clues About The Future Of Mortgage Rates
  2. How The 84,000 Parts Of Inflation Impact Mortgage Rates
  3. Your Local Gas Station May Have Clues About Tomorrow’s Mortgage Rates
How To Refinance When Your Home Is Underwater
March 15, 2010 – 6:49 AM | Comments Off on How To Refinance When Your Home Is Underwater
How To Refinance When Your Home Is Underwater

The Federal Housing Finance Agency has extended the government’s Home Affordable Refinance Program by 12 months. HARP’s new end date is June 30, 2011.

Related posts:

  1. How To Refinance When Your Home Is Underwater
  2. How To Know If You’re Eligible For A Making Home Affordable Refinance
  3. The FHA Is Changing Its Streamline Refinance Guidelines November 2009
Foreclosures Per Capita | February 2010
March 14, 2010 – 6:49 AM | One Comment
Foreclosures Per Capita | February 2010

According to foreclosure-tracking firm RealtyTrac, foreclosure filings topped 300,000 for the 12th straight month last month as 1 in every 418 U.S. homes received a foreclosure filing.

Related posts:

  1. Foreclosures Continue To Concentrate Across Just 3 States
  2. Foreclosures Concentrate In 4 States
  3. In Pictures: The Severity Of The Foreclosure Crisis Depends On Where You Live
Mortgage Interest Rates from Guarantee Mortgage for the week ending 3/12/2010
March 12, 2010 – 5:24 PM | Comments Off on Mortgage Interest Rates from Guarantee Mortgage for the week ending 3/12/2010
Mortgage Interest Rates from Guarantee Mortgage for the week ending 3/12/2010

Mortgage Interest Rates from Guarantee Mortgage for the week ending 3/12/2010

Wow!!!  Look at these rates.  No wonder why my buyers are dealing with multiple offers.  Super low interest rates and spring buying season are creating …

What Should I Expect from My Lender and My Real Estate Agent’s Relationship?
March 10, 2010 – 2:00 PM | Comments Off on What Should I Expect from My Lender and My Real Estate Agent’s Relationship?
What Should I Expect from My Lender and My Real Estate Agent’s Relationship?

The relationship between your lender and agent is extremely important when purchasing a home. The new market environment has many more regulations, hoops and sharp turns and everything relating to your home purchase should be correct and accurate up front.
The lender doesn’t want any surprises, like a seller credit the day before the lender […]

Related posts:

  1. Simple Real Estate Definitions : Refinance
  2. Simple Real Estate Definitions : Short Sale
  3. Why Should I Have A Buyer’s Agent?
The Home Price Index Shows Some Regions Up, Some Regions Down
March 2, 2010 – 12:50 PM | Comments Off on The Home Price Index Shows Some Regions Up, Some Regions Down
The Home Price Index Shows Some Regions Up, Some Regions Down

Publishing on a 2-month lag, the Federal Home Finance Agency said home prices fell by 1.6 percent nationally in December. And that’s an average, of course. Some regions performed well in December as compared to November, others didn’t.

Related posts:

  1. Case-Shiller Index Shows Home Values Still Rising
  2. The Home Price Index Shows That Home Values Increased In May
  3. The Home Price Index Shows Home Values Increasing. Case-Shiller Agrees.
How You Can Get The Most Accurate, Real-Time Mortgage Rate Quotes Available
February 23, 2010 – 6:50 AM | Comments Off on How You Can Get The Most Accurate, Real-Time Mortgage Rate Quotes Available
How You Can Get The Most Accurate, Real-Time Mortgage Rate Quotes Available

Although the newspapers reported mortgage rates down last week, they weren’t. Conforming mortgage rates were higher by at least 1/8 percent, or roughly $11 per $100,000 borrowed per month. In some cases, rates were up by even more.

Related posts:

  1. What’s Ahead For Mortgage Rates This Week : February 16, 2010
  2. What’s Ahead For Mortgage Rates This Week : February 22, 2010
  3. What’s Ahead For Mortgage Rates This Week : February 8, 2010
What’s Ahead For Mortgage Rates This Week : February 16, 2010
February 16, 2010 – 6:50 AM | Comments Off on What’s Ahead For Mortgage Rates This Week : February 16, 2010
What’s Ahead For Mortgage Rates This Week : February 16, 2010

Mortgage markets worsened last week on general profit-taking in the U.S. bond market, combined with talk of a coordinated rescue effort for Greece and its debt burden. Mortgage-backed bonds sold off, causing conventional and FHA mortgage rates to rise.

Related posts:

  1. What’s Ahead For Mortgage Rates This Week : February 8, 2010
  2. The January 2010 Jobs Report May Lead Mortgage Rates And Home Prices Higher
  3. 7 Ways To Protect Your Credit Score For Better Mortgage Rates