New Year's Anouncements

The church had an old useless tv/home entertainment center that they gave us permission to destroy. So naturally we put it to good use.......... and then destroyed it.



http://www.youtube.com/watch?v=3GSC5k4Pek8&hl=en

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Buy Your Dream Home - Over the Top Homes on Low Income Budget

Must you really slash your dream home into a low-income subsidized housing project instead? Not a chance. There are so many options for buying new homes these days, you really can afford your dream home with a few specific strategies to keep the dreams flowing. Let's see how many we can set into motion, right here:

1 - Consider the Modular/Mobile option. It doesn't have to look like a modular, to be off site built. Consider an adobe sided home with creative landscaping, creative decorating and a country type land site. Give yourself a little leeway in location and go for the best design you can find.

2 - Staging is an inexpensive fix. Home stagers often re-create a home for sale, but who says you can't call one to help you re-create your space for living? One of the most exciting redos ended with residents liking it so much, they didn't move. A stager comes at the house with a different perspective and can give you some great ideas you might never have thought about without making that call.

3 - Seek a better priced home for your budget. Just because a house fits your budget doesn't mean it fits your family. Find houses that fit your family and sort through the pricing until you find a home that fits both your family and your budget. Consider do-it-yourself fix ups to cut the cost of purchasing your home. A fixer upper may cost a lot less and still be within your budget.

These strategies will help you get the house of your dreams, and way more house for your money. Don't give up your dreams. You've earned the right to live them.

Visit http://designhome4sale.com and learn more about living in your dream home and how to accomplish the task without spending your life savings and going over your budget to live the life of your dreams.
© 2009 - http://janverhoeff.com

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Concord Homes Market Comparison Report (February 2009 Versus February 2010)

We analyze several housing market indicators in order to present an in-depth breakdown of Concord Homes Market comparing February 2009 to February 2010.

Summary of Key Points

Concord Homes for Sale has started showing signs of improvement with median sales price climbing up while at the same time houses are selling faster. Sellers got over asking price. The market is making an upward move.

Key Statistics, Concord, CA: Median Sales Price (18.12%), Median Days on Market (-41.76%), and Number of Units Sold (-19.49%), Sales Price to List Price Ratio (Feb 09 98% - Feb 10 101%)

Concord Homes

The city of Concord experienced a 18.12% increase in median sales price from last year going up from $238,189 (Feb. 09) to $281,342 (Feb. 2010). Median days on market data for Concord show that houses are selling faster than Feb 09. It took 58 days in Feb 09 for a house to sell and for Feb 10 that number has gone down to 34 days (a 41.76% improvement). Another important factor to consider is total number of units sold. In the month of Feb 09, 118 units were sold compared to 95 for Feb 10 (-19.49% change). Lastly we are going to take a look at the Sales Price to List Price Ratio for Concord. SP/LP ratio for Feb 09 was 98% compared to 101% for Feb 10.

Let's take a brief look at neighbors Antioch and Walnut Creek. Antioch Homes featured a 14.70% increase in median sales price ($185,797 Feb 09 - $213,110 Feb 10) and Walnut Creek Homes saw a 1.93% increase ($503,255 Feb 09 - $512,943 Feb 10). Are houses in Antioch and Walnut Creek selling faster or slower this year? Well, Antioch experienced a 54.02% decrease (55 to 25 days) in median days on market and Walnut Creek a 37.60% decrease (70 to 43 days). In the units sold category, Antioch sold 89 units less (44.72%) in Feb 2010 than 09 and Walnut Creek sold 20 units more (68.97%) in Feb 2010 than Feb 09.

Consult latest research and find Homes

HomeSearchFinder.com provides a Proprietary Affordability Mortgage Calculator. It matches your profile against the programs our lenders offer and instantly communicates the PreQual Mortgage amount and the Purchase price you are eligible for. You can also access Concord Homes.

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Home for Sale in Antioch, TN | $142500

Home for Sale in Antioch, TN | $142500 EXCELLENT ONE LEVEL HOME ON SUPER LOT W/PRIVACY FENCE.CLOSE TO LAKE,APPROX 1668 SQFTWITH 2/CAR GARAGE ,20X14 GREATROOM W/FP,SPACIOUS 15X15 MASTER SUITE W/WALKIN CLOSET AND SEP SHOWER ,OPEN KITCHEN W/WALKIN PANTRY .ALL APPLIANCES REMAIN.GREAT HOME. 1171701 Nashville Homes, Nashville Real Estate, Coldwell Banker Barnes, Snow & Wall, Nashville



http://www.youtube.com/watch?v=HhDkHvqGpSc&hl=en

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Police search Phillip Garrido's Antioch home

Multiple police agencies search the property of Phillip and Nancy Garrido in the disappearance of Michaela Garecht of Hayward in 1988 and Ilene Misheloff of Dublin in 1989. www.insidebayarea.com



http://www.youtube.com/watch?v=4UCxZIwRYxM&hl=en

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Carlsbad, California is a Beautiful Place to Live

Carlsbad is a coastal resort city found in the North San Diego County area of beautiful Southern California. The city was incorporated in 1952, and with a 2009 population estimated to be around 105,000 it is also one of the most prestigious areas to live in Southern California with one of the highest income of residents in the United States. Carlsbad has voted for regulation to protect surrounding wildlife habitation, one of the first municipalities in the State of California to do so. The city has also vowed to defend a particular amount of land within the city limits from builders of any kind. Moreover, the city spends considerable amounts of money to repair habitats damaged by recent improvement projects.

Carlsbad is located between the major cities of San Diego and Los Angeles. Its coastal setting, picturesque splendor, small population density, booming business sector, large quantity of upscale housing, and high quality school districts have made Carlsbad one of the most pricey real estate markets in the United States. Land in Carlsbad is not only in low supply but also very sought after. As such, real estate in Carlsbad demands lofty prices even by Southern California standards with average home values near the $700,000 range.

Affordability is a concern in the Carlsbad real estate market. Moreover, it has been estimated that less than 10% of the United States population can manage to afford and pay for the median priced home in the certain areas of Carlsbad, as reported by the California Association of REALTORS. Some of the most prestigious areas in Carlsbad include the exclusive neighborhoods near the south side costal area and the Aviara area which is to the west. Homes in these areas have a tendency to be larger which is relevant in the amount of money they cost. With the current inventory of homes on the market in Carlsbad, purchasing a home here now may be a excellent choice depending on your state of affairs and financial arrangements.

Currently there are about 200 detached homes on the market in Carlsbad. On the most part, the inventory ranges in price from $450,000 to $2,500,000, with the exception of some outliers. Occasionally high end homes, offered in the $3 million to $5 million range, come on the market as well. In 2006 the median price was around $850,000, with an average price of nearly $900,000. Prices have appreciated considerably since 2001, but the recent market downturn has given prospective buyers a chance to take advantage of affordable prices, at least for this area.

The Eisendrath Team Inc. has over 30 years of experience in Carlsbad and the north county San Diego areas. They have been top producing brokers for companies such as Prudential, Re/Max and Coldwell Banker. For all your real estate needs visit Carlsbad Real Estate. Here you will find useful information about real estate in Carlsbad, California.

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Why A 20 Percent Down Payment?

There are certain pillars in the real estate world that we have all come to know and rely upon. The question, however, is where did those pillars come from. For instance, how did 20 percent come to be the magic down payment number?

In the world of real estate, home buyers know or should know that a 20 percent down payment is a magic number. Why? Well, the payment of such a figure accomplishes two things. First, it lets you avoid the payment of private mortgage insurance. Second, it makes lenders view you with a more lenient eye. If you can manage to bust it up to 25 percent, they will practically throw money at you!

Still, one has to question where the figure of 20 percent came from. After all, why isn't the magic number 15 or 25 percent? At the end of the day, it is a number based on history and experience.

Lenders are always looking at borrowers with a critical eye. They are sizing up your average borrower as a risk. If they lend you money, what is the risk that you will default on the loan and leave them holding the real estate in question? As you can imagine, there are plenty of factors that go into the analysis. Certain factors can be very important to one lender and less so with another. The one factor that makes all lenders pay attention, however, is the down payment.

At its heart, the 20 percent down payment is a tipping point on risk. Lenders have determined over the years and after a few painful experiences, that borrowers who put down 20 percent of the purchase price of a home are far less likely to default than those that put down less money. This should hardly be surprising news. On a $300,000 home, a 20 percent down payment equates to $60,000. It is the rare bird that will walk away from this amount without making a major effort to fix whatever financial problems arise.

At the end of the day, the 20 percent down payment is a tipping point on the teeter totter of risk. If you can raise this amount of money for your home purchase, a lender is less likely to balk at credit issues and so on. The lender will view you more as a partner in the process instead of a potential defaulter, and that is an invaluable position to be in. Saving up 20 percent for a down payment is not easy, but it is well worth doing if you can.

View properties or list your home for sale by owner for 1 month free at FSBOAmerica.org

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