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"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 December 2011 (Source: C.A.R.)
 Calif. median home price:
December 2011: $285,920
Calif. highest median home price: Marin: $693,880
Calif. lowest median home price: Madera: $106,000

Calif. Pending Home Sales Index:
November 2011: 109.8, an increase of 11 percent compared with the prior year.

Calif. Traditional Housing Affordability Index:
Third quarter 2011: 52 percent (Source: C.A.R.)

Mortgage rates:
Week ending 1/12/2012
30-yr. fixed: 3.89% fees/points: 0.7%
15-yr. fixed: 3.16 fees/points: 0.8%
1-yr. adjustable: 2.76% Fees/points: 0.6%
 (Source: Freddie Mac)


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Verle & Helen Yoder
 (760) 522-7548
(951) 440-6219
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