Villa San Diego Realty

Friends, The real estate market in San Diego is booming. The value of homes have risen to double, and some even close to triple their value in the last six to seven years. Rents have skyrocketed as well. If you own a home, and are looking to take advantage of this market, please contact me, if not to sale, for advice on the sale of a property, or the purchase of investment property. I'm at your sevice!

If you haven't taken advantage of the low rates we have in the country, give me a call, text, email. Don't wait for rates to creep up. Stop paying your landlord's mortgage.

Interest rates have gone down this year, and have reached very attractive lows. Don't wait to make a decision to purchase or refinance your home. Talk to a real estate professional like me to evaluate your options. Active Duty military, you cannot lose when BAH pays for your home. Don't throw your money away. Let's talk my friends.

For Rent $1600 per month 2Bd 2Ba Apt Walking distance to trolley and bus station, shops, mall, etc. Call me for more info and showing.

My good friends in and around the San Diego area, the housing market in southern California is staying steady, and although home values are not growing as fast as just a few months, they are still moving up. Rents are also up, and they seem to be holding in that direction for the near future. With this said, investing in a property, either for yourself to get off paying your landlord's mortgage, or an investment property, so you can provide someone with a home, whom in turn ...will pay your mortgage, makes the most sense at this time. By the way, did you know that real estate is the only investment that an institution is willing to loan money for? Try going to a bank to request a loan for $500K to invest in the stock market; what do you think the bank would tell you? Do the same for the purchase of a home, and see what response you get. Our military and veterans may even get a loan the covers 100% of the value of the home. Now, tell me if it is not a great deal! If you, or someone you know is ready to invest in a home, or if need more information, please give me a call (619-654-5723) or write me an email ([email protected]). I am here to help. See more

Dear Friends, While interest rates continue to rise, they do at a very slow pace. Home prices are rising at a faster pace though. Thus, your decision to purchase a home, either for yourself, or as investment, should be prompt. Don't be left out of the market. Act now. Refinancing now, could also be a very good decision. Don't let opportunities pass you by.... Call, or email me for more information. 619-654-5723, or [email protected] DRE 01373507

These months are usually slow in buying and real estate. Thus, it is a good opportunity for you to purchase a home. Sellers who have properties on the market are eager to sell. You can take advantage of the slow market, and get your offer accepted, when no other offers are submitted. Please feel free to contact me with your questions and desires for your new home.

Friends, I hope you're all well & ready for family picnics, swimming, watching fireworks, or even just relaxing at home this Independence Day! The major stock indexes are recovering some of yesterday's heavy selling, pushing the Dow up 62 points. The bond market is currently down (2.28%), which should keep this morning's mortgage rates at yesterday's early levels.... Two economic reports came out but caused little reaction. The 1st Quarter Gross Domestic Product (GDP) reading showed the economy grew at an annual rate of 1.4% during the first three months of the year. Second was last week's unemployment figures that revealed 244,000 new claims for unemployment benefits were filed last week. Mortgage rates remain nearly unchanged, close to the best levels of the year. It's a great time to buy, sell, or refinance. Contact me with any questions of comments.

A matter of perspectives...

Interest rates are still at all-time lows. Don't wait for them to go up and leave you outside of the possibility of purchasing a home. Military veterans and active duty, don't miss the opportunity to use your VA eligibility to avoid paying private mortgage insurance, and pay very low to no money down.

Friends, The real estate market in San Diego is booming. The value of homes have risen to double, and some even close to triple their value in the last six to seven years. Rents have skyrocketed as well. If you own a home, and are looking to take advantage of this market, please contact me, if not to sale, for advice on the sale of a property, or the purchase of investment property. I'm at your sevice!

Use your military status to purchase with no money down and no private mortgage insurance! Do not pay someone else's mortgage by renting, when you can your own.

Stock Market dropped 600 points today. This will cause interest rates to go down very soon. If you are in the market for a home or are considering to refinance your current home, now is the time. Please give me a call, send me a message, email me, contact me any which way you want or can. Don't let this pass you by.

Dear Friends, While interest rates continue to rise, they do at a very slow pase. Home prices are rising at a faster pase though. Thus, your decision to purchase a home, either for yourself, or as investment, should be prompt. Don't be left out of the market. Act now. Refinancing now, could also be a very good decision. Don't let opportunities pass you by. ... Call, or email me for more information. 619-654-5723, or [email protected] CALBRE 01373507

For Rent $1600 per month 2Bd 2Ba Apt Walking distance to trolley and bus station, shops, mall, etc. Call me for more info and showing.

Due to the volatility in the market (and the low crude oil prices), interest rates have come down again almost reaching the bottom hit four years ago. It is a great time to purchase your new home, a second home, an investment property, or to refinance any of these. Feel free to call me for any information.

Interest rates are on the raise. Rents are shooting up. The time to purchase a home is now. Don't hold it any longer; you could be left out of the market. Contact me for information on purchasing your home at 619-654-5725.

Rates continue to raise. The resent dip in the market may cause rates to drop a bit this Monday. It may also not happen at all. Nevertheless, rates are still very low and affordable. Be aware of the rates, and invest in a home, or refinance your current mortgage. Please contact me for all your real estate needs.

Mortgage Rates The Federal Reserve continue to maintain interest rates very low, but as the economy improves, the Fed looks to increase interest rates. Mortgage rates are not expected to jump up right away; nevertheless, they are expected to increase gradually by fraccions of a percernt. The Fed will meet on Dec 15-16, where it is expected that increase in interest rates will be announced. Purchasing a home, or refinancing your current mortgage now, may save you on mothly pa...yments later, or you may qualify for a larger loan than if you wait a few months. Act now. Call me if you have any questions or need assistance.

Interest rates are going up. There is a shortage of homes in San Diego county, which is pushing home prices higher. It is time to buy NOW. Don't wait until you can no longer afford it. Military friends, let your BAH pay for your home. Don't give your BAH to a landlord. Purchasing a home as you arrive to your new duty station, and selling it, or put it out for rent, is the best investment you can do. Talk to me and I can show you how.

HOME PRICES STILL ON THE RAISE. RATES WILL INCREASE AS WELL. The S&P/Case-Shiller 20-City Home Price Index saw another gain of 5.7 percent from April 2016 to April 2017. Price increases are due in part to limited supply of housing in many areas across the nation. Plus, low home loan rates are inspiring people to purchase homes or upgrade their homes, taxing limited inventory. The overall economy performed better than previously reported in the first quarter of 2017, accordin...g to the Commerce Department. The final read on first quarter Gross Domestic Product came in at 1.4 percent, above the second read of 1.2 percent, and well above the first read of 0.7 percent. Consumer spending, which accounts for nearly two-thirds of all economic activity, got a nice boost, rising 1.1 percent from 0.6 percent, though this is still a low level. Consumer inflation remained tame in May, as the Core Personal Consumption Expenditures (PCE) was in line with expectations at 0.1 percent. The Core PCE reading excludes volatile food and energy costs. Year over year, Core PCE fell to 1.4 percent, well below the Fed's target range of 2 percent. Inflationary pressures can reduce the value of fixed investments like Mortgage Bonds and worsen the home loan rates tied to them. At this time, despite a volatile week in the markets, home loan rates remain just above historic lows. Remember: Weak economic news normally causes money to flow out of Stocks and into Bonds, helping Bonds and home loan rates improve. In contrast, strong economic news normally has the opposite result. Source: Yahoo Finance

Mortgage rates still LOW!! ECB (European Central Bank) plan to expand its bond purchase program will make U.S. mortgage backed securities (MBS) more attractive, increasing their demand as well. Mortgage rates are set based on MBS prices. When MBS prices go up, a lot more money is available to lend to borrowers, so mortgage rates go down. Foreign Central Banks... Foreign central banks were the main influence on U.S. mortgage rates over the past week. The news from Europe was a net positive, while China's policy change was negative. They mostly offset each other, and mortgage rates ended the week just a little higher. On Thursday, European Central Bank (ECB) President Mario Draghi suggested that the ECB may expand its bond purchase program at its next meeting in December. While this is intended to stimulate the economy which could lead to higher inflation, the primary impact on bonds is from increased demand. The purchase of European bonds makes other global bonds, including U.S. mortgage-backed securities (MBS), relatively more attractive, increasing their demand as well. Since mortgage rates are set based on MBS prices, rates improved after the news. The added stimulus in China to boost economic growth announced on Friday did not involve any bond purchases. As a result, the main effect for mortgage rates was to raise expectations for future inflation, which was negative It was a solid week for the housing market data. September existing home sales increased 5% from August, near the best levels in eight years, and they were 9% higher than a year ago. Total inventory of existing homes available for sale fell to a 4.8-month supply, and it was 3% lower than a year ago. The median existing-home price was 6% higher than a year ago. September single-family housing starts have held steady over the last three months near the best levels of the year. They were 12% higher than this time last year. Single-family building permits also were up a good deal from a year ago Next week, the Fed Statement will be released on Wednesday. Investors do not expect a change in policy at this meeting, and they will be looking for guidance about the timing for the first rate hike. Beyond the Fed meeting, New Home Sales will be released on Monday. Durable Orders, an important indicator of economic activity, will come out on Tuesday. The first reading for third quarter GDP, the broadest measure of economic growth, will be released on Thursday, along with Pending Home Sales. Core PCE inflation will come out on Friday Home loan rates remain near some of their best levels of the year, and now is a great time to consider a home purchase or refinance.

Mortgage rates ended the week a little LOWER!! WEAKER than expected economic data (unexpected DECLINE in retail sales, job openings & manufacturing index), which suggested the pace of economic growth in the U.S. is slowing, more than offset higher than expected 1.9% inflation rate, highest reading since July 2014.... The inflation rate, measured using the CPI (Consumer Price Index), is a key factor in the Fed's decision on raising the federal funds rate. Signs of Slower Growth Over the past week, the effects of a batch of weaker than expected economic reports more than offset a higher than expected inflation reading. As a result, mortgage rates ended the week a little lower. Recent economic data has suggested that the pace of economic growth in the U.S. is slowing. Retail Sales, excluding the volatile auto component, unexpectedly declined in September, and the August results were revised downward as well. Accounting for about 70% of economic activity, retail sales are an important indicator of economic activity. In addition, job openings declined, and the Philly Fed manufacturing index fell short of the consensus. Comments from the Fed did not improve the outlook. The Fed's Beige Book reported that economic growth in recent weeks was "modest" and that wage gains were "mostly subdued." Slower growth should reduce inflationary pressures, but the September core consumer price index (CPI), which excludes food and energy, rose 1.9% for the year, up from 1.8% in August. This was the highest reading since July 2014. The inflation rate is a key factor in the Fed's decision about raising the federal funds rate. Fed officials will be watching to see if this is the start of an upward trend. This week, the Economic Calendar will be light. The highlight will be the housing sector data. The NAHB builder sentiment index will be released on Monday. Housing Starts will come out on Tuesday. Existing Home Sales will be released on Thursday. THE BOTTOM LINE is that at this time, home loan rates remain near some of their best levels of the year, and now is a great time to consider a home purchase or refinance.

Great news! The Fed Reserve kept its key fed funds rate the SAME (near zero) ~ after the conclusion of its two-day policy meeting Thurs. September was supposed to be the month the U.S. central bank finally came off its zero interest rate policy, but instead it opted to hold steady for at least one more month. As a result, mortgage rates ended the week LOWER!! For those who are serious about REFINANCING or PURCHASING a home in the next 30-90 days, it is strongly advised to act quickly to get loan pre-approval with a rate float. Very LOW rates translate to TREMENDOUS savings$$!!!

Hello Everyone! On September 16-17, the Federal Reserve ("the Fed") will meet to determine the level of short term interest rates. With only two meetings pending this year and given the Fed’s desire to raise the benchmark rate in 2015, it is likely that we will see additional market volatility surrounding the rate decision/statement release. Given the upcoming data/Fed decision, the volatility in the rates is expected to be high. ... For those who are serious about REFINANCING or PURCHASING a home in the next 30-90 days, it is strongly advised to act quickly to get loan pre-approval with a rate float. Very LOW rates translate to TREMENDOUS savings$$!!! Please feel free to contact me with any questions. Thank you & have a great week!

Dow Jones and S&P had their worst day as the Dow fell more than 531 points and S&P dipped below 2000 at closing bell Friday. The Dow drop was the index's largest intraday loss since a 552-point decline on Sept. 22, 2011. The major averages approached correction territory and on track for their worst week since 2011. Oil reversed Thursday's late gains to briefly fall below $40 a barrel to $39.86 for the first time since March 2009. ... There are larger, macroeconomic factors in play as well: From China (market volatility, currency devaluation and weak economic data), corporate earnings (from the drag from the strong dollar and falling energy prices), and fears of a possible interest rate hike from the Federal Reserve (which hasn’t happened since 2006). Stocks taking a dive causes money to flow out of stocks and into bonds, helping bonds and home loan rates improve!!! Freddie Mac reported: 30-year, fixed-rate mortgage averaged 3.93% for the week ended Aug. 20, down from 3.94% a week ago. Last year, it sat at 4.10% 15-year, fixed-rate mortgage averaged 3.15%, down from 3.17% a week prior and 3.23% a year ago 5-year, Treasury-indexed hybrid adjustable-rate mortgage inched up from 2.93% a week ago to 2.94% and 2.95% a year ago 1-year Treasury-indexed ARM averaged 2.62%, unchanged from last week and 2.38%. a year ago. Current market conditions of VERY LOW rates make the present a great time to PURCHASE a first home, vacation home and/or investment property. Borrowers who need to REFINANCE high interest loan amounts or take cashout also will be greatly helped. LOW rates translates to tremendous savings!!! For those who are serious about refinancing or purchasing in the next 30-90 days, it is strongly advised to act quickly to get loan pre-approval with a rate float.

In testimony to Congress, Fed Chair Janet Yellen signaled that the Fed would likely raise policy rates later this year. The first hike is expected in September.

A couple of days ago, Janet Yellen, the chair of the Federal Reserve, said on her brief that interest rates are on track for an increase this year. She said that nevertheless, iterest rates will stay put, as there has been no inflation; thus, there is no need to increase interest rates.

Mortgage Filings Rise in U.S. as Purchases Jump to Two-Year High. (Bloomberg) -- Mortgage activity in the U.S. picked up last week as a measure of purchases jumped to its highest level since June 2013. The Mortgage Bankers Association’s purchase gauge surged 9.7 percent in the period ended June 5, its biggest increase since January. That helped boost the overall index by 8.4 percent for the first gain in seven weeks. ... While the advance might reflect some Americans’ propensity to act on home-buying intentions ahead of a projected Federal Reserve announcement this year to raise the benchmark interest rate for the first time since 2006, stronger activity more probably reflects brighter economic prospects. Job gains have continued to buoy consumers who have adequate credit to take advantage of relatively low borrowing costs. Strong job gains in May and initial signs of wage growth are supporting the purchase market, Mike Fratantoni, MBA’s chief economist, said in a statement. The data can also be prone to seasonal volatility around holidays. The latest jump occurred just after the week of Memorial Day. The surge in the purchase index was the biggest since the week following New Year’s Day. By Michelle Jamrisko, Bloomberg News Wednesday, June 10, 2015

WASHINGTON (AP) -- Average long-term U.S. mortgage rates were flat to slightly lower this week, remaining near their highest levels so far this year. Mortgage giant Freddie Mac said Thursday the average rate on a 30-year fixed-rate mortgage was unchanged from a week earlier at 3.87 percent. The rate on 15-year fixed-rate mortgages slipped to 3.08 percent from 3.11 percent. Despite their climb in recent weeks during the height of the spring home buying season, mortgage rates r...emain low by historic standards. A year ago, the average 30-year rate was 4.14 percent and the 15-year was 3.23 percent. Mortgage rates have risen in recent weeks amid signs of improvement in the economy. The economic strength has sparked speculation among investors that the Federal Reserve could move soon to raise short-term interest rates, after keeping them near zero for more than six years. As a result, bond prices have fallen, pushing bond yields higher. The yield on the 10-year Treasury note climbed to 2.33 percent Wednesday from 2.13 percent a week earlier. The 10-year note traded at 2.31 percent Thursday morning. Mortgage rates often follow the yield on the 10-year note, so they could trend higher. To calculate average mortgage rates, Freddie Mac surveys lenders across the country at the beginning of each week. The average doesn't include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount. The average fee for a 30-year mortgage was unchanged from last week at 0.6 point. The fee for a 15-year loan remained at 0.5 point. The average rate on five-year adjustable-rate mortgages rose to 2.96 percent from 2.90 percent; the fee remained at 0.5 point. The average rate on one-year ARMs jumped to 2.59 percent from 2.50 percent; the fee slipped to 0.2 point from 0.3 point. The Daily Transcript. Thursday, June 4, 2015

Mortgage Rates Are Rising, but Don’t PanicHere’s What You Can Do So here we are, smack in the middle of the busiest season for the residential real estate market. With all the activity, shoppers are already facing challenges in finding their ideal home. Now, they’re starting to face a new one: rising mortgage rates. Although the health of the real estate market has much improved this year, thanks to a better labor market and the end of the foreclosure crisis, the situation i...Continue reading

Rent checks are getting bigger. Rents in April were 4% higher than a year before, according to a report from Zillow. That's the fastest increase in two years, outpacing home prices which rose by 3%, the report showed. San Francisco, 14.9% San Jose, 12.9% ... Denver, 11.6% Kansas City, Mo., 9.5% Portland, Ore., 8.6% Charlotte, N.C., 6.6% Austin, Texas, 6.2% Cincinnati, Ohio, 6.2% Seattle, 6.2% Houston, 6.1% Detroit, 6.0% Sacramento, 5.9% Los Angeles, 5.6% Dallas-Fort Worth, 5.5% Phoenix, 5.4% Boston, 5.2% San Diego, 5.1% Atlanta, 4.9% San Antonio, Texas, 4.6% St. Louis, 4.5% Pittsburgh, 4.4% Riverside, Calif. 4.2% Tampa, Fla., 4.1% New York, 3.4% Miami-Fort Lauderdale, 3.2% Philadelphia, 2.8% Baltimore, 2.7% Columbus, Ohio, 2.6% Cleveland, Ohio, 2.4% Las Vegas, 2.1% Washington, D.C., 2.1% Orlando, 2.0% Indianapolis, 1.5% Minneapolis-St. Paul, -0.3% Chicago, -1.0% CNNMoney (New York) May 21, 2015: 2:59 PM ET

Rates are still at their lowest. Take advantage of these low rates by purchasing a new property for investment or as your new home. You may also refinance your old, high interest loan and lower your monthly payment. Call me or email me for information. Remember, real estate is practically the only investment you can make with little to NO money of your own. Investing in real estate at these low interest rate loans may yield you a great, positive return with great tax advanta...ges. Military and Veterans, take advantage of easy qualifying, no down payment loans, at very low rates, to purchase your new home. Rod A Villa 619-654-5723 [email protected]

Hi friends and friends of friends. Please like my page and don't forget to let your friends know that we provide real estate service veterans, active duty, reserves and civilians alike. Be sure to contact me for all your real estate needs and doubts. Semper Fidelis!