I heard yesterday at a FHA seminar I attended (yes, after 38 years I'm still trying to figure out this business) that FHA loans are expected to finance 80% of new purchases.  Wow, good news for me, just like the old days. Below are few Government lending tips: For those of you who remember FHA from the old days, FHA is now much kinder and gentler. Agents presenting REO purchase offers should assure the bank that FHA no longer requires extensive repairs and termite reports are not mandatory although health and safety hazards must be addressed. FHA loans take no longer to close than a conventional loan with the same buyer.  FHA 203k Rehab loans take care of repairs over $5,000 and average 45 to 60 days to close because of dealing with construction bids.  The repairs begin after close.   U... 08/08/2008

Looking for Homes in South Escondido? You can get familiar with the South Escondido Real Estate Market here and find Escondido Homes For Sale and Communities and Neighborhoods on my Escondido Real Estate site. NEED AN ESCONDIDO REALTOR TO HELP YOU?            The Escondido Real Estate has tons of BANK OWNED HOMES AND FORECLOSURES right now for sale at ridiculous prices. The easiest way to find them is for me to send you a list of them that I personally sort through myself according to your search criteria. Again, the easiest way is to contact me and I will send you a personal list of what is available and then set you up on my ESCONDIDO AUTOMATIC HOMES FOR SALE UPDATES instant notification when new ESCONDIDO HOMES FOR SALE are just listed.         08/07/2008

Wholesale mortgage rates are down slightly this this morning after Fannie Mae Mortgage Backed Securities fell 4.8 basis points to 6.280% from 6.327% on Wednesday.  A basis point is 1/100 of a percent Dow Stocks were down 85 in early trading. Treasury yields dropped early Thursday, to the lowest point in two weeks, as government data showed the nation's economy grew at a rate slower than forecasted in the second quarter and as claims for jobless benefits indicate that slow economy is likely to continue. Market data and loan information: http://www.YourFhaGuru.com 07/31/2008

Attend Free FHA On-Line Class FHA Changes After October 1, 2008 FHA AFTER THE HOUSING BILL FHA Basics and How to work with the increased Downpayment and Elimination of Downpayment assistance. Friday, August 1, 9:30 to 11:00 AM Presented by Bill Ladewig Closing FHA Loans Since 1970 Space is limited.Reserve your Webinar seat now at:https://www1.gotomeeting.com/register/348323958   07/30/2008

Up to the mid 90's the primary VA loan marketed in So Cal was the VA NO/NO.  100% financing with NO Down and NO Closing costs (seller paid).  To the best of my knowledge, defaults and foreclosures remained within acceptable levels because those loans were, for the most part, carefully underwritten. Then along came the financing free-for-all where almost anyone could find some kind of loan and underwriting became a rubber OK stamp.  With the inevitable consequences came the typical kneejerk political reaction.  Politicians always seek the easy "sledge hammer" approach instead of the thought provoking "surgical solution" In this market, the industry needs all the buyers it can find.  Doing away with DPAs hurt the good buyers who could afford the mortgage payment but have not been able to ... 07/30/2008

Wednesday's Market Wholesale mortgage rates are up sharply this this morning after Fannie Mae Mortgage Backed Securities jumped 25.1 basis points to 6.561% from 6.310% on Tuesday.  A basis point is 1/100 of a percent Dow Stocks were up 130 in early trading. Treasury yields climbed early Wednesday, after the ADP Employment index showed private employers unexpectedly increased payrolls by 9,000 in July, after a revised 77,000 decrease in June. Bill Ladewig http://www.YourFhaGuru.com   07/30/2008

Wholesale mortgage rates are down this morning after Fannie Mae Mortgage Backed Securities slid 6.7 basis points to 6.310% from 6.377% on Monday.  A basis point is 1/100 of a percent Dow Stocks were up 136 in early trading. Treasury yields increased early Tuesday, as U.S. stock markets headed higher after U.S. consumer confidence unexpectedly ticked up in July, the Conference Board reported Tuesday. The level remained relatively low and job concerns persisted. Daily market updates are available at: http://www.YourFhaGuru.com   07/29/2008

Here in North County, especially in the inland corridors of communities like Escondido, buyers are resurfacing in large numbers. The reasons are simple…prices have declined significantly and interest rates are really low, and it adds up to more buying power for those in the market for a new home or investment property. You would think the opposite if all you did was read the newspapers.  Today I got up and read the headline in the business section of the local Sunday paper, headline reading “Real Estate Crisis About To Get Worse”. The story went on and on about how the number of foreclosures are expected to rise and continue to rise throughout 2008. The story continued on two additional pages and the secondary headline on the next page read “Crisis” continued from page one. The author t... 05/25/2008

Here we go again, we just took another listing in the gorgeous gated community of Brookside, and once again we have an incredible value for you! This home at 448 Adelaide Glen is one of the finest homes built in this development. A plan 6, (the largest model in Brookside) is a 5 bedroom, 4.5 bath home on a huge lot of 18,200 feet! This fabulous homes, set on the back side of a very private cul-de-sac, is situated with a south facing view, with extensive professional landscaping and built for a big family. Brookside is a gated community adjacent to Reidy Creek Golf Course in North Escondido. Schools are close, with near brand new Reidy Creek Elementary just a couple of blocks up Broadway. This original owner did extensive work on professional hardscape both in front and in back, and succ... 05/21/2008

Twice a year, the street in front of our office is filled with tens of thousands of people. Every May and October, the City of Escondido holds it’s Street Faire, the second largest in all of California! Our office at Windermere Exclusive Properties is located at the center of it all in the heart of downtown, and our agents participate along with our sister company CW Mortgage. Braving near 100 degree temperatures, over 600 vendors, lots of live entertainment and all types of food adorn the downtown streets. Even though the faire is supposed to start promptly at 9am, folks are arriving looking for the latest in folding tailgating chairs, herbal remedy’s, getting the spine stretched by a bevy of chiropractors and searching for Fido’s latest dog collar. The faire looked a little less crowe... 05/19/2008

Gee whiz…we’re having another community garage sale here in Brookside. Excuse me if I don’t seem too excited, it’s just that this has been going on twice a year each of the four years I’ve lived here. The first year we did this in Brookside, I thought it was a great idea (even though the founder and coordinator of this event is another local REALTOR team), but as the years have gone by and we are now on garage sale #9,  I’m thinking this isn’t the greatest thing for our neighborhood. You see, Brookside is a relatively small gated community of about 260 homes in North Escondido. When I bought my house here in 2003, brand new and all mine to put my personal stamp on, I was incredibly happy that we had the gates…not just anyone could enter our beautiful oasis. It isn’t because I’m jealous ... 04/30/2008

San Diego may not be New York City in terms of fashion, but we have our own Fashion Week. Spring seems to herald the onslaught of festivals and events, both indoors and out, in San Diego, and this one should be a winner.  Ready for the Cat Walk? Curious about what designers are doing with recycled products? Want to buy direct from area artists at a Trunk Show?  Escondido, located about 20 miles inland from Carlsbad/Oceanside, is hosting the area’s first FASHION WEEK from May 5 through the 10th. Mercedes Benz of Escondido is the official sponsor.Fashion Week will offer a broad range of events throughout the week including multiple runway shows. For those who watched Project Runway, here’s your chance to see Ricky Lizalde (who was born in Escondido) with his new line in a Charity Event o... 04/26/2008

Looking for homes in Hidden Meadows in Escondido?Lucky for you I figured you might want to see homes in Hidden Meadows in Escondido................. SEE ALL HIDDEN MEADOWS HOMES FOR SALE IN ESCONDIDO  HERE. Hidden Meadows offers great real estate, either big or small, for all types of people who want to get away from the hustle and bustle of North County San Diego fast paced living. Take a breath of fresh air and buy or sell a home in Hidden Meadows with your Hidden Meadows Realtor.  Know of anyone who is thinking about moving out of or move to Hidden Meadows?     Currently there are 5 condos for sale in Hidden Meadows and 42 Single Family Homes For Sale. If you are not sold on Hidden Meadows Homes for sale or Hidden Meadows Properties, START LOOKING FOR ALL ESCONDIDO HOMES FOR SALE HER... 04/17/2008

Looking for Escondido Properties? There are all sorts of properties to choose from in Escondido. Whether you want an Escondido Mansion, Escondido Mobil home, Escondido Mountain View Home, Escondido Lot for sale, or Escondido Condos, START YOUR ESCONDIDO PROPERTY SEARCH HERE. We also have created a great website where you can see all ESCONDIDO HOMES FOR SALE by Neighborhood and Subdivision.  Above is a great home for sale in Escondido, See it now.THINK YOU KNOW ESCONDIDO REALLY WELL? I BET YOU WOULDN"T POSSIBLY KNOW EVERY SUBDIVISION WHERE THERE COULD BE A HOME FOR SALE IN ESCONDIDO. That's why I have a list of them all right below! Refine your SearchSelect a subdivision in ESCONDIDO, CAA B C D E F G H I J K L M N O P Q R S T U V WADJ TO WILD ADOBE ADOBE HILL ALTA VISTA ALTERRA ARBOLES A... 03/19/2008

                                 Looking for Condos in Escondido CA? Tired of paying your landlords Rent? Don't necessarily need to live right on the beach in a Carlsbad Condo?Looking to buy or sell a Condo in Escondido CA? If you want to find Escondido Condos for sale, SEARCH ALL ESCONDIDO CONDOS HERE. The Escondido real estate market is very diverse, ranging from cheap conds in guetto neighborhoods,  to luxury estate properties in ritzy areas.  Basically, if you are looking for an Escondido Condo  and know  about the Escondido neighborhood you are seeking, SEARCH ALL ESCONDIDO HOMES FOR SALE BY NEIGHBORHOOD  HERE                                 02/28/2008

Escondido Condos and Townhomes: Homes For Sale in 92029, 92026, 92027, 92025 Looking to purchase a Condo or Townhome in Escondido CA? You might be surprised how many good deals are out there on Escondido Homes for Sale. If you are looking for Homes  in Escondido, Start your Escondido Real Estate Search Here from Scratch. If you know what type of Escondido Home you are looking for, select from the easy to use search menu below to find what you want quickly in your search for  Escondido Real Estate.                  Start Looking for Escondido Townhomes and Condos for sale Here                                   Do you know the Escondido Neighborhood you want to live in?  Search All Escondido Neighborhoods below:                                               Select a subdivision in ESCONDI... 02/12/2008

Escondido Bank Owned Homes for sale, Short Sales and Foreclosures Looking for a great deal on some Escondido Real Estate? Right now there are tons of bargains on Escondido  Bank Owened Homes, Short Sales and Foreclosures. If you are considering buying a home for sale in Escondido Ca, start your Escondido Real Estate Search Here. If you only want to see a list of Bank Owned homes in particular Escondido Neighborhoods, please fill out this form  and tell me where you are looking and what type of home you are seeking, CONTACT AN ESCONDIDO REALTOR Perhaps you are facing foreclosure in Escondido and need to pull off a Short Sale to avoid Foreclosure. If you have questions about the Short Sale process, please contact me.        Looking for real estate in North County San Diego? Visit my other... 01/24/2008

ESCONDIDO REAL ESTATE FOR SALE: Communities and Homes in Escondido CA Are you looking for Escondido Real Estate and or Escondido Homes for Sale? Learning about what type of housing is availalbe in and around Escondido Ca? If you are considering buying or selling a home in Escondido, begin your Escondido Real Estate Search here.       Escondido Real Estate Agent, Escondido Realtor, What is your home worth in Escondido CA?Here are a couple resources right off the bat while you seek for your Escondido Home or Condo for sale. If you are a first time home buyer you should read up on what you need to know before purchasing your first home. Also, if you want to sell your home in Escondido and you are wondering what your home might be worth,  find out what it may be worth in TODAYS market using... 01/09/2008

Escondido Home Search - San Diego Real EstateSearch for Homes in EscondidoSearch all Homes in Escondido 92025, 92026, 92027, 92029Search the San Diego MLSEscondido is located in North County Inland San Diego and has many homes to choose from. When you do your Escondido Home Searching you will find that there are 4 zip codes in Escondido. Escondido is very large and has many communities to buy a house in. Some of these Escondido communities with homes are; South Escondido, Cedar Brook, Circle Farms, Felicita Place Homes, Felicita Crest, Lendee Terrace, Tamarme Terrace, Homeland Acres, Rancho Rincon, Brenna Hills Estates, Redwood, Las Palmas Ranch, Crown Hills, Alta Vista Acres, Del Lago on the Greens, Sonata, Adobe, Aurora Hills, Canyon View Estates, North Escondido, Escondido Hills, Hid... 01/04/2008

Escondido Real Estate and Popular Neighborhoods: Country Club, Emerald Heights, Eureka Springs, Felicita, San Pascqual, LAKE HODGES HOMES FOR SALE Hey Escondido Home Shoppers! Looking for that perfect Home for sale and real estate in Escondido CA? Here you can see all the listings, either it be homes for sale, condos and townhomes, mobile homes, lots, land and property for sale. See all the homes and THEN contact me once you are ready or email me to get the address of the homes you like.                                                   Search for Homes in Escondido By Subdivision, Neighborhood and Popular Communities and Best places to live in Escondido on w w w . EscondidoNeighborhoods.com  Try these neighborhoods: See Country Club Homes for sale and Real Estate in Escondido CA    See... 01/02/2008