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  Market Crash Coming?

Today the Federal Reserve released inflation data of 5.4%. For every 1% the Federal Reserve increases interest rates, there is a 10% drop in real estate prices. If inflation continues, the Federal Reserve will be forced to raise interest rates in Q4 2021 or Q1 2022.

Plus forbearance will end in June 2021. Home owners will need to come ... See More

Last Liked - 2 months ago by TodayWeBuy
TodayWeBuy · Topic · 2 months · 2289 views
OpenHouseOn.com LLC, Camarillo, CA
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  Mortgage Forbearance

Below is a nice write up about mortgage forbearance from our friends at Motley Fool, which provides a great service by the way.
FOOL.COM
Mortgage Forbearance 2021

Last Liked - 2 months ago by TodayWeBuy
TodayWeBuy · Topic · 2 months · 2277 views
OpenHouseOn.com LLC, Camarillo, CA
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  Why I'm Never Going To Afford A Home

Love this guy, Graham Stephan ...

Here's what he recommends from his YouTube channel:

First, LOOK AT WHAT YOU CAN AFFORD.
One of the BIGGEST “cheat codes” to real estate is to speak with a mortgage broker, a bank, or a local credit union to see approximately what type of loan you can qualify for.

Second, SAVE ... See More

TodayWeBuy · Video · 3 months · 4987 views
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  Prop 19 passed in California, which allows you to sell your home and carry over your property tax to the home you're buying. Is this a factor in today's market?

TodayWeBuy · Topic · 4 months · 4896 views
OpenHouseOn.com LLC, Camarillo, CA
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  See an error on TodayWeBuy, win a prize!

Hi,

If you ever encounter an error on TodayWeBuy, make sure you let us know. We'll send you a gift card to Starbucks just for letting us know.

TodayWeBuy · Topic · 5 months · 5479 views
OpenHouseOn.com LLC, Camarillo, CA
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  California Proposition 19 Deadlines: 12/31/2020 and 2/16/2021

Prop 15 got all the attention in California, but Prop 19 will have a major impact.

The California Realtors Association spent $35M and others added $15M to get this proposition passed while the opposition spent only $45K. For Realtors, it means more business, more sales, more commissions because even if a child wants to move back into ... See More

TodayWeBuy · News · 9 months · 15796 views
OpenHouseOn.com LLC, Camarillo, CA
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TodayWeBuy · Tip · 10 months · 8147 views
OpenHouseOn.com LLC, Camarillo, CA
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  Private Mortgage Insurance: One Strategy That Can Benefit You!

If you can't come up with 20% down on a home (and who can now a days), you'll pay Private Mortgage Insurance (PMI). PMI ends when you have 20% equity in your home.

One strategy is to buy a fixer upper and when extra money becomes available, make improvements to the property such that the home appraises at a higher value. This allows you ... See More

TodayWeBuy · FAQ · 11 months · 9579 views
OpenHouseOn.com LLC, Camarillo, CA
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  SB 1120 - Ends Single Family Zoning Throughout California

What's your view on SB 1120 now being considered by California Assembly?

SB 1120 would allow any home in California to be converted into a duplex or allow up to 4 homes where a single home exists today anywhere in California.

While the goal is to add additional and more affordable housing, which we agree with, this is not the ... See More

1 Comment - 11 months ago by TodayWeBuy
 
Update to SB 1120: This bill died in the final three minutes of the California Senate.
TodayWeBuy · 11M
OpenHouseOn.com LLC, Camarillo, CA · DRE 12345678
   

TodayWeBuy · News · 12 months · 14563 views
OpenHouseOn.com LLC, Camarillo, CA
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  Home Prices Rise 12.1% Even With COVID-19

Southland home prices increased 12.1% year over year and sales grew 2.4% as buyers took advantage of low mortgage rates according to the LA Times. This was the largest percent increase since 2014.

Median home prices in:

LA County: $692,750 up 12.2%
Orange County: $800,000 up 11.6%
Riverside County: $441,000 up ... See More

TodayWeBuy · News · 11 months · 15166 views
OpenHouseOn.com LLC, Camarillo, CA
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  California Prop. 15, 19, and 21 Deal With Real Estate

Prop. 15 - Commercial Property Tax

Proposition 15 would assess property tax at market value rates for commercial and industrial properties phased in over a 3 year period that are over $3 million in holdings. $12.5 Billion dollars would go to local governments and K-12 schools if passed. This proposition was placed on the ballot by ... See More

Last Liked - 11 months ago by TodayWeBuy
TodayWeBuy · News · 11 months · 16996 views
OpenHouseOn.com LLC, Camarillo, CA
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  LA Times Recommends: Yes on 15, No on 19

Proposition 15 taxes commercial and industrial properties at today’s market rate value instead of their value in 1978 plus %2 per year increase. Properties under $3 million are not impacted.

Proposition 19 eliminates the tax break passed onto homeowners who inherit properties from their parents and allows homeowners 55 and over to ... See More

TodayWeBuy · News · 11 months · 16013 views
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  Get A Jumbo Loan. Monthly Payments Can Be Less!

I find this very interesting.

The 15 Year Conforming APR Rate is 3.376% at a local credit union.

The 15 Year Jumbo APR Rate is 3.250%.

What does this mean?

It means for those homes which are priced close to the conforming maximum for your county, you could buy a more expensive home and PAY LESS on your mortgage ... See More

Last Liked - 14 months ago by TodayWeBuy
TodayWeBuy · Tip · 21 months · 58343 views
OpenHouseOn.com LLC, Camarillo, CA
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  Save money. Bring a marble to your next Open House.

When visiting an open house, place a marble on the laminate or hardwood floor to see if the marble rolls downhill. This may indicate a foundation problem which usually is very expensive to fix and can cause doors and cabinets not to close.

TodayWeBuy · Tip · 23 months · 59264 views
OpenHouseOn.com LLC, Camarillo, CA
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  Working4Home Idea #1: AT&T Smart Call Blocker

Are you tired getting robo calls while WORKING from home?

Having worked at home for the last 15 years, Working4Home highly recommends the AT&T Smart Call Blocker phones. These phones are the bomb and worth every dollar!

When you are robo called, these phones answer the call and ask the caller to state their name and hit the # ... See More
TELEPHONES.ATT.COM
AT&T Smart Call Block Phones

2 Comments - 14 months ago by Professional John Dee
 
In case you're wondering, we don't make any money if you buy these phones. We're just making you aware of this product and why we like them.
TodayWeBuy · 14M
OpenHouseOn.com LLC, Camarillo, CA · DRE 12345678
   
 
Thanks for the info. I dislike ROBO CALLS!

John Dee · 14M
Based in Camarillo, CA
   

TodayWeBuy · Tip · 14 months · 22330 views
OpenHouseOn.com LLC, Camarillo, CA
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  Mortgage Rates Hit Another All-Time Low

Mortgage rates have hit another record low due to a late summer slowdown in the economic recovery. These low rates have ignited robust purchase demand activity, which is up twenty-five percent from a year ago and has been growing at double digit rates for four consecutive months. However, heading into the fall it will be difficult to sustain the ... See More
FREDDIEMAC.COM
Freddie Mac Rates

Last Liked - 11 months ago by TodayWeBuy
TodayWeBuy · News · 12 months · 15140 views
OpenHouseOn.com LLC, Camarillo, CA
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  It's Getting Harder to Qualify for a Mortgage

COVID-19 has reduced the number of homes for sale. While interest rates are the lowest in 50 years, trying to get a mortgage is getting harder.

Lenders are increasing the FICO scores required and the down payment amount expected to get a loan.

As found in the mba.org link below:

"Mortgage credit supply dropped again in ... See More
MBA.ORG
Mortgage Credit Availability Index

Last Liked - 12 months ago by TodayWeBuy
TodayWeBuy · News · 13 months · 13802 views
OpenHouseOn.com LLC, Camarillo, CA
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  Wear a Mask Diagram

Here's a useful diagram on COVID-19. Bottom line:


Wear a mask and avoid people who don't.



TodayWeBuy · News · 13 months · 10373 views
OpenHouseOn.com LLC, Camarillo, CA
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  Lowest Rates Ever

Based on the chart below that goes from 1972 to 2020, these Freddie Mac rates look to be the lowest ever recorded! Wow!

Here's what is the chart says below:

Mortgage rates fell below 3 percent for the first time in 50 years. The drop has led to increased homebuyer demand and, these low rates have been capitalized into asset ... See More
FREDDIEMAC.COM

TodayWeBuy · News · 13 months · 11584 views
OpenHouseOn.com LLC, Camarillo, CA
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  Mortgage Rates from Freddie Mac - July 16, 2020

These are the lowest rates I've ever seen from Freddie Mac!
FREDDIEMAC.COM
Freddie Mac Rates as of 7/16/2020

TodayWeBuy · News · 13 months · 11075 views
OpenHouseOn.com LLC, Camarillo, CA
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