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No matter how many times I read this and pass it on, It always rings true in my heart that America holds the key to change real change by changing what we did and return to being "One Nation under God" not one nation under Politically Correctness that means nothing but a fake peace and a fake nation...
America is more lost today than I can ever remember and if it breaks my heart imagine how much it is breaking God's Heart....
Here is Billy Grahams Prayer for Our Nation as heard on Paul Harvey..Wisdom does come with Old age and foolishness is lost on the Youth...Be a Leader and move to action to do the right thing today! It starts with each one of us, one action , one day at a time to fix this country and take it back to God.
"Billy Graham's Prayer For Our Nation"
THIS MAN SURE HAS A GOOD VIEW OF WHAT'S HAPPENING TO OUR COUNTRY!
'Heavenly Father, we come before you today to ask your forgiveness and to seek your direction and guidance. We know Your Word says, 'Woe to those who call evil good,' but that is exactly what we have done. We have lost our spiritual equilibrium and reversed our values. We have exploited the poor and called it the lottery. We have rewarded laziness and called it welfare.. We have killed our unborn and called it choice. We have shot abortionists and called it justifiable. We have neglected to discipline our children and called it building self esteem. We have abused power and called it politics.. We have coveted our neighbor's possessions and called it ambition. We have polluted the air with profanity and pornography and called it freedom of expression. We have ridiculed the time-honored values of our forefathers and called it enlightenment. Search us, Oh God, and know our hearts today; cleanse us from every sin and Set us free. Amen!'
Commentator Paul Harvey aired this prayer on his radio program, 'The Rest of the Story,' and received a larger response to this program than any other he has ever aired. With the Lord's help, may this prayer sweep over our nation and wholeheartedly become our desire so that we again can be called 'One nation under God..'"
picture courtesy of nowandthen imaging.com
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The Torrance average sales price increased by 0.5 percent in September 2009 compared to September 2008, bringing the average price to $525,629. The number of sales increased by 10.3% Y-O-Y to 114 closed sales.

|
Torrance |
Sold |
Average |
Average |
|
September 2009 |
107 |
$525,629 |
55 |
|
September 2008 |
97 |
$522,843 |
65 |
*All stats are compiled from the Multi Regional Multiple Listing Service. Information is deemed reliable but not guaranteed.
Increased sales in Torrance reflect a stabilization of the South Bay real estate market as home buyers respond to increased affordability and more moderate prices. Average home price in Torrance continued to slide till January and but it rose in February, March and May and continued to rise as follows:December 2008 - $478,307, January 2009 - $451,563, February 2009 - $477,944, March 2009 - $519,707, April '09 - $458,037, May '09 - $514,395, June '09 - $506,104, July '09 - $508,543, August '09 - $505,433, September - $525,829
For more information or to request a market report for your area please call Krystyna at (310)918-5027
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The prestigous gated Pacific Colony in South Torrance is just on the border of South Redondo. Pacific Colony offers a clubhouse, gym, hotel sized pool, soothing waterfalls, and spa behind its gates. This complex is ideally located just minutes to the beach, freeway, shops and award winning West high school district.

Built in the early 90's the Pacific Colony located at 5501 Torrance Blvd., offers 5 floorplans. Currently there are two active listings in the Pacific Colony.
In the past two years the following homes have sold in Pacific Colony:

for more information regarding PACIFIC COLONY REAL ESTATE CONTACT RACHEL @ RTYNDALL@REMAXPV.COM

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Yes, you will hear that you can get into a house with as little as 3-5% down from the Fianance Business but what does a buyer really need to buy a home in the South Bay and not get your offer rejected!
Well the current market place depends upon what neighborhood and type of home you are looking to buy.
Here are some examples of the current kinds of Buyers that are successful in getting to purchase the home they want.
I am finding that my buyers in the Palos Verdes Peninsula that are shopping foreclosures or 1st time buyer homes are coming up against multiple offers from other buyers and the buyers with the largest down payments are getting accepted.
I am seeing many investors coming into the market now and they are offering all cash or 50% down offers to the Seller. These are the first choice of the Sellers because they know with that kind of down payment that the loan will be guaranteed to be approved and they can close in short amount of time, like 30 days or 45 days.
Sellers are scared that the lenders are not going to qualify their buyers with small down payments because the appraisals are very low in the current market.
Thus the bigger down payment the easier it is for the home to appraise also.
Ok so that is not to discourage the new buyers, I am seeing some wonderful properties that are being sold due to a job transfer or trust sale that are not the lowest prices in the neighborhood accepting more smaller down payments. As long as you are not in a multiple offer situation and the seller will be more willing to work with you.
I saw properties in Torrance, South,Redondo Beach and Lomita on the Palos Verdes borders still receiving multiple offers if they are the lowest price with large down payments 50%..also that means they are going in as is condition with the buyer expected to make all the repairs.
Steer away from the foreclosure/fixer market if you are a first time buyer. Shop for a home that is in good condition with a Seller that is willing to get you a home protection warranty for the year and has a history of repairs supplied to you by the current seller.
That way you will not be scrapping together a down payment stretching your budget to get into a property and then finding out you need to do work that was not in your budget once you get into a property. No one likes surprises and a home with a seller available that you can talk to is a much better value in the long run.
It is important that you find a lender to qualify you first then he can call me and tell me what price range you are looking in.
Being a first time buyer there is a lot to learn and I specialize in first time buyers. The market conditions are such that the size of the down payment will make a difference in the types of homes that you will be successful in getting an offer to purchase accepted.
Example, I am finding that FHA is having multiple offers now so they are usually choosing the buyer with the larger down payment.
Foreclosures are more difficult unless in a starter neighborhood. The better the neighborhood the higher the investors down payments are getting them accepted.
I sold a home in Lomita where we had 13 offers and 4 of the offers were over 50% down so my client ended up getting picked to buyer the home because of his terms and high down payment.
This is a common situation in today's market place.
If you are in a starter neighborhood and in your price range you should be ok with a smaller down payment 5-10% but the more down payment the better in getting the Seller to choose your offer because the Seller's knows the larger the down payment the better chance the bank will approve the buyer.
It really depends on the area but I want you to be prepared when shopping for a home and don't be disappointed if you lose your first offer. In this business for over 25 years I have never seen my buyer lose a home and not end up with an even better home and better price than the ones they lost.
That is what happens to my clients at least..Work with an experienced professional,not just a friend's referral after all this is the biggest investment you are going to make and you need an experienced professional so you do not make a bad investment in the wrong floorplan, neighborhood or in some areas the resale will be important as to some culutre issues as feng shui for an examle. Some homes are just considered bad luck in some cultures ie...So to make sure that the sun does not set on your dream house without you in amke sure you know how experienced your realtor is!

MARY CRISTIANO THOMAS
Cell:310-946-2205
E-Mail: Mthomas@remaxpv.com
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