Had enough of a dirty carpet, tile or grout in your Poway Home? Call us to relieve the pain of your  Poway Carpet, Tile and Grout Cleaning needs.                             Wouldn't it be great if the company who cleaned your carpets really cared about your needs? Yes, it would be, wouldn't it? The trouble with so many services and businesses today is that they really don't seem to be concerned with your individual needs. From impersonal service to less than high quality workmanship, many businesses just don't seem to care. Worse than that are the less than honest businesses that prey upon clients' lack of knowledge and use high pressure sales tactics to get people to spend more than their "too-good-to-be-true" advertisements offered.Well, I'm here to offer you an alternative to shod... 02/09/2009

Please add my cell number760/271-9242to your cell phone under Notary.You never know when you need meI meet you any place - any time! to email us:   Member National Notary AssociationBonded, licensed and insuredfor your protection!   SAVE GASOLINE SAVE TIME SAVE MONEY I COME TO YOU !!           RATES FROM $5.00/SIGNATURE WE ALSO OFFER APOSTILLE SERVICE - FAST AND DISCOUNTS   I KNOW I CAN SAVE YOU MONEY PLEASE CALL OR E-MAIL FOR AN ESTIMATE   Background checked Discount for multiple signatures Thousands of notarizations performed Available 24/7 Apostilles - many times same day (notary fee usually included) Most documents and escrow/loan papers Covering San Diego, Orange and Los Angeles County Will go to San Diego County jails and hospitals Seniors and veterans welcome   Phone: 760.753.79... 01/04/2009

Greetings, I have just completed my new page containing Poway Duplexes and Fourplexes for sale.  If you have any interest in looking at all the MLS listings of the aforementioned properties please feel free to go to that page. I can answer any questions you may have regarding the properties please feel to call me. Thanks Stephen MacLeodSan Diego Real Estate Broker       08/25/2008

Attention Poway Real Estate Shoppers: If you are on this page, you likely are interested in Poway Condos and Townhomes for Sale or other related information about such properties near San Diego.  I have designed a web page that is updated every day with all of the Poway condos and townhomes (also known attached homes or twin homes in the San Diego area). This page allows you to view the properties by price range and I do not require any registration for a site visitor to view all property details and multiple photos. Please take advantage of this.  Like it?  Drop me a line. Stephen MacLeodSan Diego Realtor 08/25/2008

Having endured major wildfires the past four years that affected a huge amount of acreage and at least 140 homes and other structures, the City of Poway in San Diego County, has adopted some strict new guidelines in hopes of minimizing any future wildfire damage in the community of Poway. Many of Poway's homes are adjacent to open spaces and the City of Poway  is imposing, effective September 19, 2008 new clearance guidelines to help mitigate any future fire loss. The soon-to-be enforced guidelines include clearing 100 feet of space around the residence or other structures of flammable chaparral fuels. The creation of the 'defense of space' program throughout the community of Poway is an important part of the fire loss reduction strategy as reported by the Poway Fire Department. The onl... 08/23/2008

Treasury yields are lower for a third day, after the Commerce Department said home builders broke ground on fewer homes in July and wholesale prices jumped more than economists expected  FNMA 30 yr Mortgage Backed Securities DOWN 1.9 basis points* to 6.266%  10 Year Treasuries unchanged at 3.81%  DJI Stocks are down 121 in early trading.  Crude Oil down to 112.57 a barrel. Links to additional industry news. Reverse Mortgage Broker Fee in Dispute 2008 Housing Bill eliminates 25% Fee to Brokers Not approved by FHA   10 Ways to Avoid A Closing Nightmare An easy list that will make your life easier   DPA May Not Be Dead! New Bipartisan Legislation Introduced   $7,500 First Time Buyer Tax Credit Up to $7,500 can be borrowed from IRS *A Basis Point is 1/100 of a percent.   08/19/2008

Mortgage rates begin the week going in the right direction.  Treasury yields also declined. FNMA 30 yr Mortgage Backed Securities DOWN 3.6 basis points to 6.285% Ten-year Treasury note yields fell 2 basis points to $3.824%. DJI stocks down 33 in early trading. Crude oil up $ $1.58, to $115.35 on New York Mercantile Exchange. Current market and lending updates: http://www/YourFhaGuru.com 08/18/2008

Mortgage rates begin the week going in the right direction.  Treasury yields also declined. FNMA 30 yr Mortgage Backed Securities DOWN 3.6 basis points to 6.285% Ten-year Treasury note yields fell 2 basis points to $3.824%. DJI stocks down 33 in early trading. Crude oil up $ $1.58, to $115.35 on New York Mercantile Exchange. Current market and lending updates: http://www/YourFhaGuru.com   08/18/2008

Unapproved FHA brokers will no longer be able to collect 25% of the commision on FHA Reverse mortgages. HUD will be issuing a Mortgagee Letter within the next 30 days eliminating any so-called "HECM Advisor" programs. Because the law requires that, "All parties that participate in the origination of a mortgage to be insured under this section shall be approved by the Secretary," once the forthcoming M.L. is issued and takes effect, only employees of FHA-approved lenders and correspondents will be permitted to participate in the origination of HECMs. See all the changes to the FHA Reverse Mortgage (HECM): http://www.themtgmentor.com/End_HECM_Advisor_Program.html Market and Lending Updates: http://www.YourFhaGuru.com   08/17/2008

Unapproved FHA brokers will no longer be able to collect 25% of the commision on FHA Reverse mortgages. HUD will be issuing a Mortgagee Letter within the next 30 days eliminating any so-called "HECM Advisor" programs. Because the law requires that, "All parties that participate in the origination of a mortgage to be insured under this section shall be approved by the Secretary," once the forthcoming M.L. is issued and takes effect, only employees of FHA-approved lenders and correspondents will be permitted to participate in the origination of HECMs. See all the changes to the FHA Reverse Mortgage (HECM): http://www.themtgmentor.com/End_HECM_Advisor_Program.html Market and Lending Updates: http://www.YourFhaGuru.com   08/17/2008

You are all invited to an on-line FHA Webinar Presentation covering and the changes caused by the 2008 Housing Bill. Also included will be information on EEM, FHA 203(k) and basic FHA Guidelines.  Everything you need to know about FHA. Friday, August 15 9:30 to 11:00 AM Presented by Bill Ladewig Reserve your Webinar seat now at:https://www1.gotomeeting.com/register/943158598 Market and Lending updates at: http://www.YourFhaGuru.com   08/14/2008

Wednesday AM Market Wholesale mortgage rates are down this morning after Fannie Mae Mortgage Backed Securities dropped 4.5 basis point to 6.333% from 6.378% yesterday. A basis point is 1/100 of a percent Dow Stocks down 141 in early trading. Crude oil is up $1.84 at $114.85 a barrel. Treasurys edged higher Wednesday after a pair of government reports showed retail sales fell while import prices rose in July.  Excluding automobiles, sales rose 0.4% last month, the smallest gain since February. The median forecast was for a 0.5% increase. Current market and lending updates: http://www.YourFhaGuru.com   08/13/2008

Borrowers should never go first when a lender tells them "show me yours and I'll show you mine". A flyer came in the mail the other day; gray, semi-official looking, undated.  It was from the "Negotiation Center" claiming that I might be able to negotiate a 30 year fixed rate loan for 5.875% (5.923% APR).  Because the letter undated I guess, the rates were always good.  Well... maybe not because a pretty good wholesale rate today (08/11/08) is 6.375% at par and the advertised APR did not allow for even one discount point. I had to check this out.  After I dialed the 800 number and I was eventually hooked up to a woman with an Irish brogue who called herself Paddy Kelly, Really!  When I asked about the 5.875% rate Paddy explained that it was indeed available but she needed my application... 08/12/2008

You are invited to an on-line FHA Presentation covering and the changes caused by the 2008 Housing Bill, FHA 203(k) and basic FHA Guidelines. Friday, August 15 9:30 to 11:00 AM Presented by Bill Ladewig Reserve your Webinar seat now at:https://www1.gotomeeting.com/register/943158598 08/11/2008

The FHA 203(k) is a great tool for purchasers of trashed REOs or even buyers who wish to remodel the kitchen in their new home.  The 203(k) loan provides one home loan for buyers to purchase and rehabilitate.  It is also a great tool for Realtors to create a marketing niche. Click for a quick 5 minute presentation.  http://YourFhaGuru.com/203k.html You can always find updated market and lending information at: http://www.YourFhaGuru.com   08/07/2008

Wednesday's Market Wholesale mortgage rates are slightly up this morning after Fannie Mae Mortgage Backed Securities rose 2.7 basis point to 6.350% from 6.323% on Tuesday. A basis point is 1/100 of a percent Dow Industrial Stocks were down 50 in early trading. Crude oil is up  51 cents to 119.68 a barrel. Treasury yields climbed Tuesday as Federal Reserve policymakers convened to consider the state of the economy and decide what to do with U.S. interest rates. Stocks gained, detracting from the appeal of government debt, after a report showed the services industry is doing better than many expected. Market and Lending information at: http://www.YourFhaGuru.com   08/06/2008

Based on calls I receive there is still a lot of confusion about FHA loan commissions. Since the recent resurrection of FHA loans there is much misinformation published on who can receive a loan commission.  I am sure you have received emails claiming that FHA approval is not required to originate FHA loans.  The bare bones truth of the matter is: No one can represent the buyer or seller as their real estate agent and receive a commission on an FHA loan. In order to receive commissions on FHA loans the loan officer must be a W2 employee of the lender and cannot have any other real estate or mortgage affiliation. While there is much information to the contrary, HUD has recently published a bulletin that clearly states what is and what ain't:  Mortgagee Letter 2008-17 Excerpt from the Hu... 08/04/2008

Last Thursday night, Congress introduced bipartisan legislation, H.R. 6694 that would reauthorize and reform charitable downpayment assistance. This bill would remedy a harmful provision in the new housing law which limits homeownership opportunities for low and middle-income Americans. The legislation, sponsored by U.S. Reps. Al Green (D-TX), Gary Miller (R-CA), Maxine Waters (D-CA), and Christopher Shays (R-CT) reauthorizes and reforms charitable downpayment assistance funded in part by sellers, which has helped over one million families and individuals become homeowners since 1999. The program was eliminated by legislation signed by President Bush on July 30, 2008. The Green-Miller-Waters-Shays plan would re-authorize and reform non-profit downpayment assistance and secure it as an a... 08/04/2008

Friday's MarketWholesale mortgage rates are down slightly this this morning after Fannie Mae Mortgage Backed Securities fell 5.6 basis points to 6.224% from 6.280% on Thursday.  A basis point is 1/100 of a percent Dow Stocks were up 35 in early trading. Treasury yields rose slightly early Friday after the Labor Department said the economy cut fewer jobs than economists expected Analysts forecasted a median 70,000 decline and the economy cut 51,000 jobs last month, the seventh month of a contracting labor market. Bill Ladewig Current information: http://www.YourFhaGuru.com 08/01/2008

Hi All! Here are the Stats  for Detached homes in Poway for June compared with May: PowayDetached Homes New Listings June Home that went under contract inJune Sold HomesJune New Listings May Home that went Under Contract in May Sold HomesMay Number 48 28 35 35 14 29 Avg List Price $938,920 $528,937 $706,972 $1,298,240 $623,927 $641,462 Median List Price $774,236 $404,450 $554,970 $795,000 $446,950 $569,000 Avg SOLD price ------------ ---------------- $666,273 -------------- -------------- $605,704 Median SOLD Price ------------ ---------------- $540,000 -------------- -------------- $525,000   As you can see, the number of sales in Poway for DETACHED homes INCREASED from 29 to 35 and the number of homes that went under contract DOUBLED from May to June, but the market still hasn't shown... 07/02/2008