Good news, there are opportunities present in this real estate Market!

Lenders are now subject to new and healthy lending guidelines which is the focus on why one should not wait to buy a house. Lenders are now primarily offering loans that will allow a potential home owner to be in a win-win situation five years from now whereas in the past five years individuals signed off on loans that turned out to be not in their best interest. So, if you find the home you've always wanted to buy and you have your financing lined up, buy it and hold on to it. Real Estate has always been a terrific long-term investment. The additional money you save by waiting to buy will probably not offset the potential appreciation or the fatter monthly payment that could result if interest rates rise. Based on lenders' logic when the Housing Market does poorly, the Stock Market does well. If the Stock Market is doing well it means the Bond Market does poorly. When the Bond Market does poorly that is what drives up Interest Rates.

The difference if you buy now at $500k or later at $450k is $88 dollars PITI per month, reflecting a 10% adjustment in your purchase power. However, the approximate $500.00 per month tax deduction (interest is also a deduction) in both cases overrides and surpasses (depending on your tax bracket) the $88.00 difference. This does not occur when you live in a rental! The question becomes can you afford not to buy now? The year 2007 will be the fifth highest on record for existing-home sales. That is hardly a housing meltdown. The Housing market simply is not being reported fairly by the national media. They fail to report the results from the index that is not tied to a hedge fund which would reflect an objective and accurate accounting of the housing market.

I have been an accomplished and trusted Realtor since 1986 of Single Family Homes and Income Properties. My clients tell me they appreciate the experience I provided when I helped them create a better future through real estate. My clients state it makes sense to work with me because I am generous, contributive, knowledgeable and I make it all about them. I would welcome the opportunity to provide you with the answers to your real estate questions and then trust your instinct. If it is right for you- Let’s Go Shopping and Buy a House! I will save you time and money by believing in your needs and delivering on what YOU WANT along with a lifetime relationship built on trust and integrity. Profit from the Feel Good Experience. www.YourRealtorGal.com. From the close of your escrow I will donate $300 in your name to the animal charity of your choice. Also, I will donate in your name to have 500 trees planted to indigenous ecologies in hopes of mitigating the climate crises.