Mike Driver
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"I'm Dorothy Gale from Kansas"
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Alisa U Zemlji Chuda
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Claire Keane
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@mariposarealtor
FHA or NOT to FHA
FHA or NOT to FHA
It is widely accepted in the Real Estate World that 0-4 months of housing inventory is a sellers’ market. As more and more Americans take advantage of low mortgage rates for FHA, Conventional, and VA to attain a spacious backyard and a more comfortable work from home location, the competition is getting fierce for home buyers in a sellers’ market. As a home buyer you will be able to choose from…
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WHY I CHOSE REAL BROKER
WHY I CHOSE REALÂ BROKER
Long long ago back in May of 2014 I started my Real Estate Career with a brokerage firm in Fresno, while still working fulltime for the Army. It was a difficult start, nun the less, I accepted the challenge. I would be on the road with the Army working 12 plus hours a day, eat, then start in on Real Estate. I would work into the wee hours of night sending documents for my Broker to sign. They…
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RENT vs BUYING Some Highlights: Historically, the choice between renting and buying a home has been a tough decision.
Is Student Loan Debt A Threat to Homeownership? No!
Is Student Loan Debt A Threat to Homeownership? No!
Over the course of the last thirty years, a shift has happened. An entire generation has been raised to believe that a college education is their key to unlocking opportunities that were not available to their parent’s or grandparent’s generations.
Due to this, student loan debt has soared to $1.5 trillion and represents the largest category of debt, surpassing credit card and auto loan debt in…
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Selling your home in 2019? Could Mariposa County be reaching its Peak?
Selling your home in 2019? Could Mariposa County be reaching its Peak?
Three key points to think about when selling your home. First, what’s the market like on a Macro level and how will that affect my home while it is on the market? Second, will I get what I need out of my home to make this journey worth my time? Finally, what is the local market looking like on a Micro level?
To understand more about the Macro level of the Real Estate market. The article talks…
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Inventory is LOW Pushes Home Prices Higher
Inventory is LOW Pushes Home Prices Higher
According to CoreLogic’s latest Home Price Index, prices appreciated by 6.9% year-over-year from December 2016 to December 2017 on a national level. This marks the fifth month in a row with at least a 6.9% increase.
Dr. Frank Nothaft, Chief Economist for CoreLogic, gave insight into the reason behind the large appreciation,
“The number of homes for sale has remained very low. Job growth lowered…
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Thinking of Selling Your Home? Competition is Coming.
Thinking of Selling Your Home? Competition is Coming.
The number of building permits issued for single-family homes is the best indicator of how many newly built homes will rise over the next few months. According to the latest U.S. Census Bureau and U.S. Department of Housing & Urban Development Residential Sales Report, the number of these permits were up 7.4% over last year.
How will this impact buyers?
More inventory means more options.Lawrenc…
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Selling your home in Mariposa County in 2018
Selling your home in Mariposa County in 2018
Three key points to think about when selling your home. First, what’s the market like on a Macro level and how will that affect my home while it is on the market? Second, will I get what I need out of my home to make this journey worth my time? Finally, what is the local market looking like on a Micro level?
To learn more about the Macro level of the Real Estate market this article talks about…
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Gap Between Homeowners & Appraisers Narrows to Lowest Mark in 2 Years
Gap Between Homeowners & Appraisers Narrows to Lowest Mark in 2Â Years
In today’s housing market, where supply is very low and demand is very high, home values are increasing rapidly. Many experts are projecting that home values could appreciate by another 4% or more over the next twelve months. One major challenge in such a market is the bank appraisal.
When prices are surging, it is difficult for appraisers to find adequate, comparable sales (similar houses in the…
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Mortgage Rates are moving UP. Home prices are__?
Mortgage Rates are moving UP. Home prices are__?
Mortgage interest rates have already risen by over a quarter of a percentage point in 2018. Many are projecting that rates could increase to 5% by the end of the year.
What impact will rising rates have on house values?
Many quickly jump to the conclusion that an increase in mortgage rates will have a detrimental impact on real estate prices as fewer buyers will be able to qualify for a loan.…
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Tax reform on Real Estate Market
Tax reform on Real Estate Market
The most thorough analysis of how tax reform will affect the housing market has come from Capital Economics. Here are some highlights:
The tax bill could raise the net costs of buying. But, given most households will see an overall tax cut, and potential buyers are likely to put that saving towards their home, we doubt it will have a significant detrimental impact on the housing market.
Most…
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3 Major Concern of Real Estate Practitioners
3 Major Concern of Real Estate Practitioners
What about the three major concerns of real estate practitioners? 1. Mortgage Interest Deduction
There was concern that the mortgage interest deduction (MID) would be eliminated. That didn’t happen.
However, the bill has made the following changes:
Reduces limit on deductible mortgage debt to $750,000 for new loans taken out after 12/14/17 (from the existing $1,000,000). Current loans up to…
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Mortgage Rates 2018
The interest rate you pay on your home mortgage has a direct impact on your monthly payment. The higher the rate the greater the payment will be. That is why it is important to know where rates are headed when deciding to start your home search.
Below is a chart created using Freddie Mac’s U.S. Economic & Housing Marketing Outlook. As you can see, interest rates are projected to increase steadily…
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Real Estate Market is not Collapsing
Real Estate Market is not Collapsing
There has been tremendous volatility in certain markets over the last few weeks (for example, the stock and currency markets). When this happens, some tend to lump all of their investments together and create an almost ‘Armageddon’ scenario where everything loses value quickly and dramatically. Real estate is an investment that can get caught up in this hysteria. Does the concern about the…
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Reasons to Hire Real Estate
Reasons to Hire Real Estate
Whether you are buying or selling a home it can be quite the adventure, which is why you need an experienced real estate professional to guide you on the path to achieving your ultimate goal. But in this world of instant gratification and internet searches, many sellers think that they can ‘For Sale by Owner’ or ‘FSBO.’
The 5 reasons you NEED a real estate professional in your corner haven’t…
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Mariposa County Real Estate Newsletter October 2015
October Mortgage Rate
CAL Vet 3.96% APR & VA Loans 3.64% APR*
** Overview of Mariposa, CA Market Trends
Mariposa’s home resale inventories decreased slightly, with a 3 percent decrease since September 2015. Distressed properties such as foreclosures and short sales remained the same as a percentage of the total market in October. The median listing price in Mariposa stayed the same from…
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OLD MEETS NEW TECH As our days become more app. this, app. that and tech cool, to tech savvy. Here are some home building trends that are starting to take the new with the old.