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By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 1
Some Highlights  Mortgage pre-approval means a lender has reviewed your finances and, based on factors like your income, debt, and credit history, determined how much you’re qualified to borrow. Being pre-approved for a loan can give you clarity while planning your homebuying budget, confidence in your ability to secure a loan, and a competitive edge in a bidding war. In today’s market, connecting with a lender to get pre-approved may be the game-changer that helps you secure your dream home.  « Why Waiting to Buy a Home Could Cost You a Small Fortune The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or o...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
El poder de la preaprobación de la hipoteca [Infografía]    Mitos sobre la compra Compradores de vivienda por primera vez, Para los compradores, Infografías, Compradores de casa mas grande           Algunos aspectos destacados: La preaprobación de la hipoteca significa que un prestamista ha revisado sus finanzas y basándose en factores como sus ingresos, deuda e historial crediticio, determinó cuánto está calificado para pedir prestado. Estar preaprobado para un préstamo puede darle claridad mientras planea su presupuesto para la compra de una vivienda, confianza en su capacidad para asegurar el préstamo y ventaja competitiva en una guerra de ofertas. En el mercado competitivo actual, comunicarse con su prestamista para obtener una preaprobación puede ser el cambio radical que le ayuda...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
Many people are sitting on the fence trying to decide if now’s the time to buy a home. Some are renters who have a strong desire to become homeowners but are unsure if buying right now makes sense. Others may be homeowners who are realizing that their current home no longer fits their changing needs. To determine if they should buy now or wait another year, they both need to ask two simple questions: Do I think home values will be higher a year from now? Do I think mortgage rates will be higher a year from now? Let’s shed some light on the answers to these questions. Where will home prices be a year from now? If you average the most recent projections from the major industry forecasters, the expectation is home prices will increase by 7.7%. Let’s take a house that’s valued today at $32...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
Por qué esperar para comprar una casa podría costarle una pequeña fortuna   Pago Inicial, Compradores de vivienda por primera vez, Para los compradores, Tasas de interés, Compradores de casa mas grande, Precios       Muchas personas están esperando, tratando de decidir si ahora es el momento de comprar una casa. Algunos son inquilinos con un fuerte deseo de convertirse en propietarios de vivienda, pero no están seguros si comprar en este momento tiene sentido. Otros pueden ser propietarios que han dado cuento de que su casa actual ya no se ajusta a sus necesidades cambiantes. Para determinar si deben comprar ahora o esperar otro año, ambos necesitan hacerse dos preguntas simples: ¿Creo que el valor de las casas será más alto dentro de un año? ¿Creo que las tasas hipotecarias serán más ...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
So far this year, mortgage rates continue to hover around 3%, encouraging many hopeful homebuyers to enter the housing market. However, there’s a good chance rates will increase later this year and going into 2022, ultimately making it more expensive to borrow money for a home loan. Here’s a look at what several experts have to say. Danielle Hale, Chief Economist, realtor.com: “Our long-term view for mortgage rates in 2021 is higher. As the economic outlook strengthens, thanks to progress against coronavirus and vaccines plus a dose of stimulus from the government, this pushes up expectations for economic growth . . . .” Lawrence Yun, Chief Economist, National Association of Realtors (NAR): “In 2021, I think rates will be similar or modestly higher . . . mortgage rates will continue to...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
¿Se espera que las tasas de interés aumenten a lo largo del próximo año?  Compradores de vivienda por primera vez, Para los compradores, Tasas de interés, Compradores de casa mas grande       En lo que va del año, las tasas hipotecarias continúan rondando alrededor del 3 %, lo que esta aminando a muchos compradores a entrar en el mercado de la vivienda. Sin embargo, hay una buena probabilidad de que las tasas aumenten a finales de este año y entrando en 2022, básicamente, haciendo más caro pedir dinero prestado para un préstamo hipotecario. He aquí un vistazo a lo que varios expertos tienen que decir. Danielle Hale, Economista Principal de realtor.com: “Nuestra visión a largo plazo de las tasas hipotecarias en 2021 es superior. A medida que las perspectivas económicas se fortalecen, gr...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
The housing market keeps sailing along. The only headwind that could take it off course is the lack of inventory for sale. The National Association of Realtors (NAR) reports that there were 410,000 fewer single-family homes for sale this March than in March of 2020. The key to continued success in the residential housing market is for more listings to come on the market. However, many homeowners are concerned that selling their homes could be challenging for several reasons. Recently, Homes.com released the findings of a survey that identified these concerns, as well as what it will take for homeowners to feel comfortable selling their houses. Here are the four major homeowner concerns and a quick explanation of what’s actually happening in the housing market today. 1. Homeowners don’t...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
Homeownership is a foundational part of the American Dream. As we look back on more than a year of sheltering in our homes, having a place of our own is more important than ever. While financial benefits are always a key aspect of homeownership, today, homeowners rank the nonfinancial and personal benefits with even higher value. Recently, two national surveys revealed the reasons homeownership is such an important part of life. The top three personal benefits of homeownership noted by respondents in Unison’s 2021 report on The State of the American Homeowner are: 91% – feel secure, stable, or successful owning a home 70% – feel emotionally attached to the homes that have kept them safe over the past year 51% – call homeownership a “key part of their life” These sentiments were support...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
Los estadounidenses encuentran más valiosos los beneficios no financieros de la propiedad de la vivienda   Compradores de vivienda por primera vez, Para los compradores, Alquilar Vs. Comprar       La propiedad de la vivienda es una parte fundamental del sueño americano. A medida que miramos hacia atrás a más de un año de refugiarnos en nuestros hogares, tener un lugar propio es mas importante que nunca. Si bien los beneficios financieros son siempre un aspecto clave de la propiedad de la vivienda, hoy, los propietarios clasifican los beneficios no financieros y personales con un valor aún mayor. Recientemente, dos encuestas nacionales revelaron las razones por las que la propiedad de la vivienda es una parte tan importante de la vida. Los tres beneficios personales principales de la pr...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
4 incentivos grandes para que los propietarios de viviendas vendan ahora    Para los vendedores, Actualizaciones del mercado de la vivienda, Compradores de casa mas grande, Precios, Mitos sobre la venta       El mercado de la vivienda sigue navegando. El único viento en contra que podría sacarlo del curso es la falta de inventario para la venta. La Asociación nacional de Realtors (NAR por sus siglas en inglés) informa que en marzo había 410,000 unidades unifamiliares menos en venta que en marzo de 2020. La clave para el éxito continuo es el mercado de la vivienda residencial es que más casas para la venta salgan al mercado. Sin embargo, a muchos propietarios les preocupa que vender su casa podría ser un desafío por varias razones. Recientemente, Homes.com dio a conocer los resultados d...
By Dave and Patricia Zumbrun
(The "Z" Team 4 RE, Inc.)
Comments 0
Buying your first house may leave you feeling overwhelmed. Before you search for a Ventura home you love, you must find a real estate agent you trust, save for a down payment and closing costs, get approved for a loan, and make sure you are ready for the first year of homeownership. The CalHFA helps homebuyers in California purchase their first home.California Housing Finance Agency (CalHFA)Requirements to QualifyTo even be considered for one of California Housing Finance Agency's loans, buyers must meet certain requirements. First, you must be a first-time homebuyer. That means that you either never owned a home before or you have not owned one in the previous three years. Secondly, your credit score below 660 (for conventional low-income rate) or 680 (for conventional standard rate). ...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
¿Debo comprar ahora o esperar? [Infografía]   Mitos sobre la compra, Compradores de vivienda por primera vez, Para los compradores, Infografías, Tasas de interés, Compradores de casa mas grande, Precios           Algunos aspectos destacados: Si está pensando que esperar uno o dos años para comprar una casa podría significar que ahorrará algo de dinero, piénselo de nuevo. Las tasas hipotecarias actualmente son muy bajas, pero los expertos en general están pronosticando aumentos tanto en los precios de las casas como en las tasas de interés. Comprar una casa ahora significa que gastará menos a largo plazo. Vamos a comunicarnos para poner en marcha sus planes antes de que los precios de las casas y las tasas hipotecarias suban aún más. También puede disfrutar leyendo 24 horas que de repen...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
Some Highlights If you’re thinking that waiting a year or two to purchase a home might mean you’ll save some money, think again. Mortgage interest rates are currently very low, but experts across the board are forecasting increases in both home prices and interest rates. Buying a home now means you’ll spend less in the long run. Let’s connect to put your homebuying plans in motion before home prices and mortgage rates climb even higher.  « Is Home Price Appreciation Accelerating Again? The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as inv...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
At the beginning of the year, industry forecasts called for home price appreciation to slow to about half of the double-digit increase we saw last year. The thinking was that inventory would increase from record-low levels and put an end to the bidding wars that have driven home prices up over the past twelve months. However, that increase in inventory has yet to materialize. The National Association of Realtors (NAR) reports that there are currently 410,000 fewer single-family homes available for sale than there were at this time last year. This has forced those who made appreciation forecasts this past January to amend those projections. The Mortgage Bankers Association, Fannie Mae, Freddie Mac, the National Association of Realtors, and Zelman & Associates have all adjusted their num...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
¿Se está acelerando de nuevo la apreciación de los precios de las viviendas?   Para los compradores, Para los vendedores, Actualizaciones del mercado de la vivienda, Precios       A principios del año, los pronósticos de la industria pedían que la apreciación de los precios de las viviendas se desacelerara a aproximadamente la mitad del aumento de dos dígitos que vimos el año pasado. La idea era que el inventario aumentaría desde niveles mínimos históricos y pondría fin a las guerras de ofertas que han impulsado los precios de las casas en los últimos doce meses. Sin embargo, ese aumento del inventario aún no se ha materializado. La Asociación Nacional de Realtors (NAR por sus siglas en inglés) informa que actualmente hay 410,000 viviendas unifamiliares menos disponibles para la venta ...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
The question many homebuyers are facing this year is, “Why is it so hard to find a house?” We’re in the ultimate sellers’ market, which means real estate is ultra-competitive for buyers right now. The National Association of Realtors (NAR) notes homes are getting an average of 4.8 offers per sale, and that number keeps rising. Why? It’s because there are so few houses for sale. Low inventory in the housing market isn’t new, but it’s becoming more challenging to navigate. Danielle Hale, Chief Economist at realtor.com, explains: “The housing market is still relatively under supplied, and buyers can’t buy what’s not for sale. Relative to what we saw in 2017 to 2019, March 2021 was still roughly 117,000 new listings lower, adding to the pre-existing early-year gap of more than 200,000 fres...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
La paciencia es la clave para comprar una casa este año   Mitos sobre la compra, Compradores de vivienda por primera vez, Para los compradores, Actualizaciones del mercado de la vivienda, Compradores de casa mas grande, Nueva construcción       La pregunta a la que se enfrentan muchos compradores este año es “¿Por qué es tan difícil encontrar una casa?” Estamos en un mercado primordial de los vendedores, lo que significa que el sector de bienes raíces es ultra competitivo para los compradores en este momento. La Asociación Nacional de Realtors (NAR por sus siglas en inglés) señala que las casas están recibiendo un promedio de 4.8 ofertas por venta, y ese número sigue aumentando ¿Por qué? Es porque hay muy pocas casas a la venta. El inventario bajo en el mercado de la vivienda no es alg...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
Last week’s Existing Home Sales Report from the National Association of Realtors (NAR) shows sales have dropped by 3.7% compared to the month before. This is the second consecutive month that sales have slumped. Some see this as evidence that the red-hot real estate market may be cooling. However, there could also be a simple explanation as to why existing home sales have slowed – there aren’t enough homes to buy. There are currently 410,000 fewer single-family homes available for sale than there were at this time last year. Lawrence Yun, Chief Economist at NAR, explains in the report: “The sales for March would have been measurably higher, had there been more inventory. Days-on-market are swift, multiple offers are prevalent, and buyer confidence is rising.” Yun’s insight was supporte...
By Chris B Johnson REALTOR®, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 0
¿Mantendrá el mercado de la vivienda su impulso?   Para los compradores, Actualizaciones del mercado de la vivienda, Nueva construcción       El informe de las ventas de las viviendas existentes de la Asociación Nacional de Realtors (NAR por sus siglas en inglés) de la semana pasada muestra que las ventas han caído un 3.7 % en comparación con el mes anterior. Este es el segundo mes consecutivo que las ventas caen. Algunos ven esto como evidencia de que el mercado de la vivienda al rojo vivo puede estar enfriándose. Sin embargo, también podría haber una explicación simple de por qué las ventas de las casas existentes se han desacelerado: No hay suficientes casas para comprar. Actualmente hay 410,000 viviendas unifamiliares menos a la venta que en esta época del año pasado. Lawrence Yun,...
By John Pusa, Your All Time Realtor With Exceptional Service
(Berkshire Hathaway Home Services Crest)
Comments 4
On April 16, 2021, California Association of Realtors (C.A.R) reported homes values gained 2.8% to an average price of $770,750 in March of 2021 from an average price of $750.000 in February of 2021, and increased 9.3% from $705,000 in March of 2020. While homes sales jumped 28.6% in March of 2021 from February of 2021, and increased 15.6% from March of 2020 in Ventura County, California.There were 1.5 months supplies of available inventory of homes in March of 2021, lower from 1.8 months in February of 2021, and decreased from 3.9 months in March of 2020. An average it took 22.0 days to sell a home in March 2021, down from 24.0 days in February of 2021, and dropped from 38.0 days in March of 2020 in Ventura County, California.For complete more detailed information about the California ...

Ventura County, CA Real Estate Professionals