Nick Bednorz, Your Coastal - North San Diego County Real Estate Specialist
Over 30 Years of Experience Providing Knowledge, Service & RESULTS! Nick Bednorz
Thank you for visiting Nick Bednorz's website. Nick provides a superior level of attentive service to his clients. For Results, Call Nick Today!
Solana Beach Homes For Sale - Del Mar CA Homes For Sale
Solana Beach Welcome to San Diego County California, home of Solana Beach and Del Mar Beach. There are so many reasons why San Diego County is an amazing place to live and buy a home, starting with the mild year round climate and sunshine. Buying Solana Beach homes for sale is a decision that you will appreciate every day from a stroll on the beach to the many wonderful attractions like the Art Gallery Africa and Beyond, the San Diego Sports Arena or you may enjoy a place called California Dreamin, a place where you can go on a sunset Hot Air Balloon ride or have a Biplane adventure. When you´re ready to inquire about Solana Beach homes for sale, contact Nick Bednorz with Windermere Exclusive Properties at (858) 481-6425.
Del Mar CA Homes for Sale
If you created a dream home, first you would want an excellent location, tranquil and scenic, next on the list might be excellent attractions, shopping and restaurants. Of course schools may be important as well as major freeways in the vicinity for easy travel. If that sounds good to you then you are ready for living the life in a coastal community. At any time you can take a bicycle ride at the beach, walk along the shoreline or visit the Del Mar Farigrounds. Beach living can be a reality when you buy your Del Mar dream home. Del Mar CA Homes for Sale can be found using our free MLS listing.
Contact me today Searching online for Solana Beach and Del Mar homes begins here at http://www.nickbednorz.com. We have the tools you need to search for properties online. Quality service is my commitment to you, so contact me today to answer your real estate questions.
If you'd like information for properties thru-out the western states visit my web site at: www.nickbednorzhomes.com and search properties in AZ,Ut,Id,Wa,Or,NV,Co,Wy _________________________________________________________________________________
Another Seller Chooses Nick to Get their Home SOLD ...take a look @ this fabulouus single level renovated home in Olde Carlsbad...A really special Home...not just another ordinary 'tract home'.....Check out the virtual tour and drcide for yourself....Thanks .....Located @ 2070 Basswood 92008..... LP Sellers will entertain offers between $639,000 and $689,000 VIEW TOUR HERE> http://www.flashitfirst.com/Gallery/2070_basswood_ave_bt1/
For Sale statistics & Market Trend info in Solana Beach as of August 16th click on the link Here :Windermere_Exclusive_Propertie_________________________________________________________________________________
Weekly Economic Summary - August 20, 2010 OVERVIEW ~ August 9 through August 13 ~ The markets acted as they do when investor optimism gives way to pessimism, with a rush to the safe haven of U.S. Treasury securities (and a resulting further decline in interest rate yields), further investment in gold, and a sell-off of the euro, which fetched $1.3228 at the beginning of the week and $1.2573 at the end. The Dow Jones Industrial Average stumbled into the trend as well, losing 3.3% on the week. The Freddie Mac average for its 30-year fixed-rate mortgage edged down another 5 basis points to 4.4%. In other words, it was a generally unimpressive week for all investments other than Treasury securities and gold. FOCUS ~ The big drop in stock market indices occurred on Wednesday, August 11. The Dow Jones Industrial Average (DJIA) fell 265.42 points, 2.5% of its prior level. Why? The Federal Reserve´s Open Market Committee had announced three things at its regularly scheduled meeting the day before. First, it said that the economy was indeed moving forward, but very slowly. Second, therefore, it reaffirmed that it would keep the fed funds rate (the rate at which banks borrow from one another overnight) at its current low level for the foreseeable future. Third, it announced that it planned to use the proceeds of the maturing mortgage-backed securities (MBSs) it has invested in to purchase Treasury securities. The earlier purchases were designed (successfully) to help keep the MBS markets liquid and mortgage rates low. The newly announced move would be designed to help keep Treasury security interest rates low and to help stimulate further economic recovery. At first, markets over the world seemed pleased at the Fed´s decision. Then, concerns set in. Investors seemed to realize that the Fed was implicitly suggesting that there might be trouble ahead. Enough of a panic ensued to create Wednesday´s big stock market decline. Meanwhile, world investors grew more worried about a possible resurgence of debt problems abroad (and even about a weakening market for foreign goods in China), and world stock market indices fell, along with the euro, which has been losing value against the dollar whenever worries about European economies increase. Most likely, none of the week´s economic worries, taken alone, would have moved the markets as strongly. But the markets are uncertain enough to be very vulnerable to a collection of investor concerns, and we saw what the results of those concerns look like. Solana Beach News For a fresh & new look @ our community, check this site created by local resident Carole Brummage www.sbscuttlebutt.com , her mission is to simply '....share the best of Solana Beach...including news,major issues,public comments....resources...'. This fabulous site offers current event's news items, schedule of events and more. Take a Look.
Should you buy or rent a home? Affordable home prices and low interest rates have created an ideal time for many buyers to purchase homes, and now a new week-long look at homeownership confirms it. The national study, conducted for The Associated Press, shows that the difference between monthly rents and mortgage payments is at its lowest level in nearly 20 years.
MAKING SENSE OF THE STORY FOR CONSUMERS : The analysis of 45 metro areas found the difference between the monthly mortgage payment on a median-priced home and the median rent has declined to $256. In some areas, the difference is as low as $100, according to the study. The last time the price gap was that close was in 1993, when it decreased to $264. The study, conducted by Marcus & Milichap Real Estate Investment Services, used median prices for the last three months of 2009 and calculated mortgage payments by assuming a 10-percent down payment and a 30-year fixed loan at 5.07 percent. It also assumed borrowers paid for private mortgage insurance and didn´t include repair costs and tax benefits. Although the difference between monthly rent and monthly mortgage payments is at its lowest level in nearly 20 years, more stringent lending standards have made the home-buying process more challenging. Home buyers can prepare by ensuring their credit reports are up to date and saving for a down payment of at least 20 percent. Borrowers putting down less than 20 percent likely will have to purchase private mortgage insurance. Owning a home has significant tax benefits, including deductions for property taxes and loan interest. Homeowners also can enjoy building equity and creating a means of forced savings as they pay down the principal on the home. Although home buyers should not focus solely on future home price appreciation, according to data collected by the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) over the last 40 years, homeowners who purchase a median-priced house, live in it for at least five years, and sell it at the then-current median price, have averaged an annual rate of return of more than 11 percent. * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * ______________________________________________________________________________ ALERTthere has been much confusion in the lending market regarding the critical issue of 'locking rates'. Here is information from one of my most reliable lenders:
On a purchase loan, most lenders will tell you that you cannot lock in a rate until a property is under contract. Not true! Primary Residential Mortgage offers a "Lock and Shop" product which gives a prospective buyer the ability to lock in today´s rates without having a specific property in mind. This program also allows a buyer to lock in a rate on a property in which they are currently in negotiations, but not yet under contract.
Here are some of the highlights:
· "To Be Determined" address is allowed
· Property changes are allowed without penalty (fall out of escrow with one property and find another one with same rate lock terms)
· Lock term up to 60 days
· One time FREE float down is included
· 30 year fixed rate products only
· Loan must be Conventional or FHA, no VA or Jumbo
What if the rate lock period is close to expiring when the buyer finally finds a property? No problem, the rate can be extended (standard extension and re-lock policy may apply). If you have any buyers that could benefit from our "Lock and Shop" program, and you most likely do, let me know!
Cordially, Kevin Kueneke Sr. Loan Consultant, Direct LenderPrimary Residential Mortgage, Inc.1000 Aviara Parkway, Suite 110 | Carlsbad | CA | 92011 Phone 760-500-1919 | Fax 619-419-2324 www.prmisouthwest.com | kkueneke@primeres.com
________________________________________________________________________ Foreclosures are an unfortunate reality in today's challenging Real Estate Market & economy. Much misinformation about the purchasing process for 'Bank-Owned' homes as well as "Short Sales" is found in the media today. My experience with foreclosure sales and 'short sales' spans 3-decades representing both Buyers and Sellers in the process. Call or e-mail me for a frank and confidential conversation regarding the real facts. (858) 481-6425 or nickbednorz@cox.net Thanks!
Please feel free to browse through this site to explore the San Diego County communities of Del Mar, Carmel Valley, Rancho Santa Fe, Cardiff, Encinitas, La Jolla and La Costa, and all other fabulous communities. This comprehensive online tool offers direct access to the latest properties for sale in your area. Featuring extensive community information, consumer links, school information, free reports, answers to commonly asked real estate questions, and more, you'll find everything about real estate within one easy source.
If you currently own property and are thinking of placing it on the market, this site contains information about preparing your home for sale, selecting the right agent, pricing your home appropriately, marketing it effectively, going through the inspection processes, and receiving a timely market evaluation.If you'd loke a copy of the "180 Things I do to Get Your Home Sold" just send me a quik & EZ e-mail at nickbednorz@cox.net and I'll send you it with no obligation and no SPAM, I promise...References are available upon request.
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