In order to accomplish your goals, you need to prepare a monthly budget for the entire year.  Your main focus is that YOU want to be in control of your budget.  Do not let your debt and bills control you!It’s critical to have a good credit score because without it, your mortgage lender would not approve your loan.  Check your credit score and upgrade it so you can qualify for a more favorable loan, with the lowest interest rate and the best terms available.You might be surprised to learn that half of your mortgage payment may be going towards interest payments instead of paying down the principal loan balance.  That’s why it’s so important to start with the lowest interest rate possible, and pay down the principal as much as you can, as soon as possible.Of course, we want to eliminate a... 10/19/2013

Want to find a home or investment property in Paso Robles or the rest of San Luis Obispo County? Go to the award winning web site below- www.myslohomefinder.com       Go to www.myslohomefinder.com to search the cities of San Luis Obispo County to find that special home.  We are known for our special treatment of people, and being able to help you find that special home.   - See more at: http://activerain.com/blogsview/4188119/paso-robles-number-1-rated-real-estate-web-site#sthash.TWDXSRfO.dpuf   - See more at: http://activerain.com/blogsview/4198802/paso-robles-top-rated-1-real-estate-web-site-www-myslohomefinder-com#sthash.1yg0Odv3.dpuf 09/30/2013

  The 30 year fixed rate mortgage is down to 4.25%.  New home sales were up at a rate of 7.9%!  We are seeing more demand from buyers and investors in the last 30 days.  I appears that the initial shock from the rates rising has been shaken off with buyers realizing that historically rates are still great!   Visit our web site at www.myslohomefinder.com for all the San Luis Obispo County home search needs.     The Day Ahead: Durable Goods Order, New Home Sales               August Durable Goods Order beat expectations but July was revised down notably. New factory orders for durables in August edged up 0.1 percent after dropping a huge 8.1 percent in July.Softer prices are giving a lift to New Home Sales which jumped 7.9 % in August to a nearly as expected annual rate of 421K, from 394... 09/25/2013

Want to find a home or investment property in Paso Robles or the rest of San Luis Obispo County? Go to the award winning web site below- www.myslohomefinder.com       Go to www.myslohomefinder.com to search the cities of San Luis Obispo County to find that special home.  We are known for our special treatment of people, and being able to help you find that special home.   - See more at: http://activerain.com/blogsview/4188119/paso-robles-number-1-rated-real-estate-web-site#sthash.TWDXSRfO.dpuf 09/20/2013

The number of home owners  upside down in their properties has dropped significantly.  In the first quarter of 2013 there were 19.7% of total home owners with negative equity.  At the end of the 2nd quarter the number dropped to 14.5%.  This is good news, and why we are seeing fewer short sales and foreclosures.     The Day Ahead: No significant data   Dow is trading at 15,178  +115  the 10 yr bond is at 2.96 from 2.90 Yesterday, . Currently point structure isslightly higherfrom Yesterday   Conv. - 4.625%­­ FHA.   - 4.25%       Have a great day!   09/10/2013

Want to find a home or investment property in Paso Robles or the rest of San Luis Obispo County? Go to the award winning web site below- www.myslohomefinder.com       Go to www.myslohomefinder.com to search the cities of San Luis Obispo County to find that special home.  We are known for our special treatment of people, and being able to help you find that special home.   09/09/2013

Want to find a home or investment property in Paso Robles or the rest of San Luis Obispo County? Go to the award winning web site below- www.myslohomefinder.com       Go to www.myslohomefinder.com to search the cities of San Luis Obispo County to find that special home.  We are known for our special treatment of people, and being able to help you find that special home.   09/01/2013

In news that shocked the market, new home sales were down 13.4% last month.  Higher rates on mortgages were blamed!  This news caused the home builder's stocks to drop like rocks.  Here at this blog we have been having a lively debate about the economy, and if the present "mini housing boom" was due solely, or mostly, to  the artificially low 3% plus interest rates for the 30 year mortgage.  It appears like our position that the surge in sales and prices were mostly due to the low rates and not a strong economy is proving to be true.  Eric Rodriguez is in our "brain trust" here, and he has been pushing the point that higher rates, especially in the 5% area, will slow the housing market.  He argues that it could even reverse the market altogether! He even pointed out that we could have a... 08/23/2013

Want to find a home or investment property in Paso Robles or the rest of San Luis Obispo County? Go to the award winning web site below- www.myslohomefinder.com       Go to www.myslohomefinder.com to search the cities of San Luis Obispo County to find that special home.  We are known for our special treatment of people, and being able to help you find that special home.     08/19/2013

Want to find a home or investment property in San Luis Obispo County?    Go to www.myslohomefinder.com to search the cities of San Luis Obispo County to find that special home.  We are known for our special treatment of people, and being able to help you find that special home.   08/14/2013

    El Paso del Robles is a little bit country with the convenience of modern living right nearby. Luxury real estate in Paso Robles affords a unique lifestyle for anyone lucky enough to call this home. This can mean great savings on your energy bill. The price range for these homes start at the high $700,000 mark and can range to several millions depending on the amount of land. Compared to similar homes across the state, these homes are a great deal. What you will find is a wide variety of high end properties in several neighborhoods. There are lake front properties that overlook the beautiful Lake Nacimiento. Whether you are just interested in taking in the views, or taking your boat out and enjoying some aquatic sporting, this could be the ideal location for you to settle down. Othe... 08/07/2013

Rates are up today.  We are monitoring the inflation numbers to see if inflation is back.  In June the inflation numbers were .5% and this equals a 6% yearly rate.  We'll have to see if the numbers are up for July, and if they are we will switch or strategies to a inflation environment.  This would include more investments in housing, precious metals, and a switch out of bonds. In the month of June residential property prices rose 8% from June 2012. Short sales are now only 14% of sales in June.   Visit our web site at www.myslohomefinder.com for all your San Luis Obispo County house search needs.     The day ahead-   Durables Goods Orders,Jobless Claims               Durables Goods Orders sharply beat expectations at the headline level but it was almost entirely due to aircraft orders ... 07/25/2013

I listened to Ben Bernanke speak today to the congress.  He talked about the "spike" in mortgage rates and he said it was because of better economic numbers coming out, like unemployment going down and housing picking up.  However, he didn't mention that he was talking about the end of QE and "tapering off" from the Fed purchases of treasuries and agency MBS. Look at our web site www.myslohomefinder.com for all your San Luis Obispo County home search needs. The Day Ahead: Bernanke speaks!!!             Housing Starts retrenched sharply in June on a downswing in the volatile multifamily component. And atypically wet weather likely weighed on starts. Housing starts in June fell back 9.9 percent, following an 8.9 percent surge in May. The June starts annualized level of 0.836 million units... 07/17/2013

We want to share with you the reason that the 30 year mortgage is going up.  The Fed not buying our own treasuries is the primary reason.  Also the treat of "tapering off" has thrown a great deal of uncertainty into the market.  Check out how much the U.S Treasuries have gone up-     $TNX: 10-Year Treasury YieldYield on the 10-year treasury note is up 21.8 basis points to 2.719%. The yield is up 110 basis points (1.1 percentage points) since the May low of 1.614%.$TYX: 30-Year Treasury YieldYield on the 30-year long bond is up 18.2 basis points on the day to 3.679%. The yield is up 86.9 basis points since the May low of 2.81%.$FVX: 5-Year Treasury YieldYield on the 5-year treasury note is up 18.6 basis points on the day to 1.86%. The yield is up 95.7 basis points since the May low of .6... 07/06/2013

If you are looking for a piece of central coast real estate, Paso Robles might just be the place for you. This city has the amenities of a large suburban neighborhood of the big cities, like shopping centers and wide streets, without losing touch with its agricultural roots. There are several well-known wineries in this area such as Justin Vineyards and Las Tablas, and the Firestone Brewery is always open for tours and beer tasting.  Thousands flock to Paso for the California Mid State Fair every year for carnival rides, rodeo, livestock auctions and concerts. In your search for your next home, you have a wide selection of older ranch style homes brimming with charm and clean, well thought out new developments, if that is more your style. Many homes in Paso Robles offer impressive view... 06/10/2013

The week to come should be an interesting one!  If the Fed. comes out with an more talk about "tapering off" expect some more rate spikes!  The rate increases over the last 2 weeks have cooled the refi's and the mortgage applications.  Expect it to place a "cold blanket" on the housing market!  With higher interest rates, especially in the high 4% range, it will place a "chill" in the housing market since affordability will start to go away! Look at my web site www.myslohomefinder.com for all your San Luis Obispo County home search needs.     The week ahead: Month-End, Econ Data, and Technical Resistance                               The consumer sector may be losing some steam. In April both Income and Spending were weak. Inflation also was quite soft. Personal income in April was flat... 06/02/2013

  Fear of a global slow down has been hitting the market.  You can see the fear in the commodity markets especially gold, silver and oil.  The Canadian and Australian Dollars are worth less than 1 U.S. Dollar as money is fleeing the commodities, the Euro and into the U.S.  We can see this in the U.S. stock market hitting new highs! Go to my web site at www.myslohomefinder.com for all your San Luis Obispo County home search and sales needs.  We specialize in Atascadero homes, ranches and condos, Paso Robles homes, ranches and condos, Templeton homes, ranches and condos, San Luis Obispo homes, ranches and condos, Arroyo Grande homes, ranches and condos, Pismo Beach homes and condos, Nipomo homes, ranches and condos. The Day Ahead:Consumer Price Index, Housing Starts, Jobless Claims, Phil... 05/16/2013

We have some good news from the Fed.  Those budget cuts that kicked in and the tax increases have really cut the budget deficient.  But the Feds. are also going to cut back on their purchase of bonds. I wonder if all this will slow the U.S. economy?  The Euro Zone is in a worsening recession and there are signs that China is slowing.  I saw a great show on the new TV program "Vice" about the housing bubble in China.  It makes our housing bubble look small.  Have to wait to see what happens with these 2 markets, especially with the Euro Zone since it's actually a larger economy than the U.S. and China is #2 after the U.S.  Both of these economies going down can push us back into a recession. Visit our web site at www.myslohomefinder.com for all your San Luis Obispo home search or sale ne... 05/15/2013

The ecomony is still growing a 2.5% last quarter.  This is a big deal when you compare it to negetive growth in the Euro Zone nations.  Spain's unemployment is now at 27%!  Check out my web site at www.myslohomefinder.com for all your real estate needs in Paso Robles, Templeton, Atascadero, San Luis Obispo, Arroyo Grande, Pismo Beach, Shell Beach, Avila Beach, Grover Beach, Oceano and Nipomo.   The Day Ahead:GDP, Consumer Sentiment       The economy had some bounce in the first quarter as GDP growth showed some acceleration. But the details are not as encouraging as the headline. The first quarter grew 2.5 percent after a modest 0.4 gain in the fourth quarter. Analysts forecast a 3.1 percent boost in the first quarter.April isn't quite as healthy as March was for Consumer Sentiment whi... 04/26/2013

I have decided to add some additional economic information to today's blog that I feel will be helpful. The Consumer Price Index for March declined 0.2 percent after jumping 0.7 in February.Housing Starts were unexpectedly strong in March but it was all in the multifamily family component. In March, housing starts jumped 7.0 percent after a 7.3 percent gain the month before. The March starts annualized level of 1.036 million units topped analysts' forecast for 0.930 million units and was up 46.7 percent on a year-ago basis.Industrial Production was up more than expected in March but it was due to utilities output, not manufacturing, which declined. Overall industrial production gained 0.4 percent after a 1.1 percent spike in February (originally up 0.8 percent). Unusually cold weather d... 04/17/2013