Ramona, CA

What are San Diego's lowest mortgage rates today? What can we expect from mortgage rates in the 1st quarter of 2012? All Real Estate Professionals & Consumers are advised to stay informed about interest rates and learn THE TRUTH BEHIND MORTGAGE QUOTES to insure the best financial decisions are being made without the distraction of marketing gimmicks. Whether you're a newbee, market analyst (or somewhere in between), keep yourself informed of where mortgage interest rates are going (and why) by subscribing to this daily update.

The Mortgage Street Smarts of where mortgage interest rates are going (and why):

The following information is current as of Friday 2-10-2012 and will help you understand todays best mortgage rates. If you are a Buyer/Borrower who is still on the fence (or if you are a Real Estate Agent attempting to educate your "on the fence" Buyer), please review these trends and secure an historically low interest rate before it is too late.

The market closed Thursday with a WORSENING to pricing (and will typically warrant a pricing adjustment by most Lenders). Thursday's WORSENING resulted in a change of 9 basis points (bps).

The following chart shows the market activity for today (hint: upward activity is good, downward activity is bad):

The following chart shows market activity over the past 10 days (hint: green is good, red is bad):

The following chart shows market activity over the past 1 month:

Daily Interest Rate Snapshot (sample of rates from one of the country's largest Lenders...individual pricing will vary based on specific Borrower qualifications): NOTE: This Lender has quoted a 1.00% Origination Fee (1 Point) to accompany this pricing. It bears noting that this chart does not necessarily represent todays best mortgage rates.

Market Commentary

Analyst: Neil Trenerry

FNMA 30-Yr 3.5%

Previous close 103.656

Opened Down 0.18 @ 103.469

Key Economic Data:

EUR / USD 1.3182 Down 0.0104
USD / JPY 77.6900 Up 0.0300
GBP / USD 1.5768 Down 0.0050

Oil 97.60 Down 2.24

Gold 1,713.30 Down 27.90

Key Economic News:

International Trade, month-on-month

Actual: -48.80b, Consensus: -48.00b, Last: -47.80b.

6:55est University of Michigan sentiment for Feb

Consensus: 74.5, Last: 75.0.

11:00est US Federal budget for Jan

Consensus: -50.00b, Last: -85.97b

Advice:

With concerns over Greece’s new agreement, and a stronger dollar we might see an improvement in the market. Keep a close eye on the University of Michigan numbers this could upset everything.

My position on MBS changes to neutral.

Trusted Industry Advisor

The above information was compiled and distributed by San Diego Residential Mortgage Specialist, Jason E Gordon. As a Certified Mortgage Planning Specialist (CMPS) Certified Distressed Property Expert (CDPE) and Certified Mortgage Coach (CMC), Jason E Gordon utilizes his advanced training to examine a prospective Client's complete financial picture, while carefully listening to their overall goals. If it is mutually agreed that a new loan makes sense to pursue, Jason strives to make the entire loan process as seamless as possible. He truly believes that providing open communication and patient educational guidance to his Clients and Business Alliances has been a pivotal component to building his business, while enhancing his reputation in the Mortgage Industry as a Trusted Advisor. Visit www.jasonegordon.com or www.ApprovingSD.com or more information.

Click here for daily mortgage interest rate updates and projections for San Diego's lowest mortgage rates

Our FaceBook business page had a really long URL that I could never remember. I had to go and find the really really long domain name every time I wanted to send a friend to the site. But using FB tools, we went from a domain name of :

http://www.facebook.com/pages/RealtyPro-Academy/242313879147842

To a domain name of:

www.facebook.com/RealtyProAcademy

Which one looks better and is simpler to remember? Hmmm, that's a NO-BRAINER!

In our spirit of generosity and sharing our resources, I thought you may be interested in finding out how to do it quick and easy too. So here's my instructions. Enjoy!

How to create a personzlied URL for your FB page with your company’s name.

Step 1: At the top right of your business page, click the “Edit Page” button.

Step 2: On the left, click “Mobile” link. Then click the link “With Mobile Web”.

Step 3. Enter your preferred name, and make it as short as possible. Click the blue “Check Availability” button. If the name is not available, you’ll receive the following message, and you’ll have to select another name.

Step 4. If the name is available, you’ll receive the following message. Click the “Confirm” button.

Step 5. You’ll receive a “Success” message. Click the blue “Okay” button.

Congratulations, it is now set up! To view your new URL, on the left side click “Basic Information” then the new URL (domain name) will show up on the right, as a link under “Username”.

This is the nicer, shorter link that you can give out to friends and associates.

Note: After you have set it up, you'll notice that the URL option will no longer be available on the "Mobile" page.

Brought to you from RealtyPro Academy real estate training & education system. If you enjoy our complimentary tips, please LIKE us here: www.facebook.com/RealtyProAcademy

Regina P. Brown
Instructor/Trainer

Zero Down Mortgage for 15760 Oak Valley Road Ramona CA 92065 is available through Mike Walsh with AmeriFirst Financial. Direct (858) 848-0048 www.approvingcalifornia.com

Start your Loan Pre-Approval today by calling Mike Walsh with AmeriFirst Financial at (858) 848-0048. Zero Down Mortgage Available for 15760 Oak Valley Road Ramona CA 92065.

Kitchen Remodeling on a Budget: Tips & Ideas

Invest in the most popular room of your home - the kitchen. Whether you’re selling or simply want to upgrade, here are some simple tips and ideas to get you started without breaking the bank:

1. Set a budget! Know what upgrades will give you the most value for your money and do your best to stick with your budget.
2. Plan ahead. Find patterns, colors and textures that you like from magazines, home improvement stores and the Internet. Put them in a folder for quick reference.
3. Tackle one project at a time to insure you don’t get overwhelmed or over-your-head.

Step-by-Step Guide on Kitchen Remodeling on a Budget:

Cabinets
One of the easiest on most cost effective ways to upgrade is to paint or stain your cabinet doors and add new hardware. This will make one of the biggest impacts since cabinets usually compose the greatest surface area of a kitchen. Take a door into your local home improvement store and ask for professional advice if you aren’t comfortable making the choice on your own.

Kitchen Counter Tops
Granite isn’t always the best investment for every home, not to mention it can be expensive. You can opt for concrete or granite overlay. Do your research to find what suits your budget, best style, and greatest return on investment.

Kitchen Floor
Bring home samples of flooring based on your style and budget before making a final decision. Keep in mind that many real estate professionals agree that a kitchen remodel splurge should be saved for the countertops and not the floors. You want to make sure you get great value from any upgrades you do.

Saving Money on Kitchen Appliances
Big box stores have great deals on appliances that are gently scratched or dented. Only buy if the appliances aren’t working correctly or completely throw off the other upgrades. If your appliances are in good working order and match in color and style, save your budget for more beneficial upgrades. You can also give your appliances a new, fresh look with paint. Look into having it done professionally or purchase appliance paint at your local home improvement store.

Kitchen Lighting
Lighting can be a simple and cost effective way to completely upgrade the kitchen. With most kitchens wired for overhead lighting, a new chandelier can make a big difference. There are options for less than $150! To make an even bigger impact, be sure to install a dimmer switch. You’ll be surprised what a difference a little “mood lighting” can make.

The options are endless for remodeling your kitchen on a budget. The hardest part is deciding which upgrades will make the biggest difference on the smallest budget. Just be sure to do your research and to set realistic goals. When its all done, step back, and enjoy your style and budget savvy results!

West End Short Sales - Short Sales In West End

West End Short Sales are in high demand because of their low prices, beautiful homes, and outstanding attractions. West End Ramona has an atmosphere suitable for all ages this is the perfect place for you. We have something for everyone from a variety of homes to wonderful beaches and shopping, don’t search any further call us now!

Looking for your next home is easy with our agent, we have quality information and all the right tricks to make purchasing your heavenly home easy. Not sure what you are looking for or need more assistance? Simply search Short Sales In West End for buyer and seller tips, school information, and a list of amazing properties specifically for you and your needs.

Search all West End Foreclosed Homes