Valley Center Real Estate and Homes For Sale

"Hire Professionals and Get It Sold"
Verle and Helen Yoder, Realtors®
(760) 522-7548

Even in the best of markets selling your home can be challenging. . . now is the time to call on a skilled professional like Verle & Helen Yoder if you are looking to buy or sell!

Why do Short sales stay on the market for a much longer time frame?
• Because of the additional time needed for lenders to approve a short sale offer
• Lenders may not be devoting enough staff to handle the ongoing volume of short sales
• The loan on the short sale property may be bundled into mortgage-backed securities, making it more time consuming for the mortgage servicer to identify the owner of the mortgage and obtain permission to sell the property
• Lenders may be waiting to see if they could get a better deal through a foreclosure sale than the short sale offer
• Lenders may agree to list a property as a short sale while also pursuing foreclosure on that property in anticipation of an insurance payout to cover the loss of the property through mortgage insurance.

The inventory level for short sales is likely to remain high in the foreseeable future as long as the log jam situation mentioned above remains an issue with the lenders.

Fast Facts for March 2012 (Source: C.A.R.)
Calif. median home price:
March 2012: $291,080
Calif. highest median home price: San Mateo, $677,900
Calif. lowest median home price: Tehama, $108,000

Calif. Pending Home Sales Index:
March 2012: 143.7, an increase from the revised 126.5 recorded in February.

Calif. Traditional Housing Affordability Index:
Fourth quarter 2011: 55 percent

Mortgage rates:
Week ending 4/12/2012
30-yr. fixed: 3.88% fees/points: 0.7%
15-yr. fixed: 3.11 fees/points: 0.7%
1-yr. adjustable: 2.80% Fees/points: 0.6%
(Source: Freddie Mac)

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Verle and Helen Yoder are your Valley Center home and land specialists.
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	Verle & Helen Yoder (760) 522-7548 (951) 440-6219 Email Us
	333 S. Juniper St. #105, Escondido, CA 92025

License #01723225

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