Lorraine or Loretta Kratz-Certified Negotiation Experts,

As of May 1, 2009, the cost to get an appraisal done on a re-fi or for the purchase of a home will increase. Here is the "WHY" with the Home Valuation Code of Conduct which has been enacted to improve the accuracy of appraisal by eliminating pressure on appraisers from loan officers, this code pushes the lenders to use third-party appraisal management companies that contract with net-works of independent appraisers around the country who have no direct contact with retail loan officers or mortgage brokers.

So, you might be asking what the new cost for getting an appraisal will be. The average is approximately $550.00 and now the appraisal company can tack on related charges which was not the case before. There is a no show penalties if the person ordering the appraisal does not keep the appointment, which can amount to $100.00, and then there is the addition of $150.00 for properties over $500,000.

These fee's will need to be paid up front with a credit card or debit card, since the final cost can vary--- the prospective final cost is somewhat blurred. No longer can the lender incorporate the cost of the appraisal into the loan origination fees.

Thinking of buying a new home or just wanting to relocate and need to sell your present home, why not let the team of Lorraine and Loretta help your reach your goal, call 760-945-6652.

Every Wednesday a farmers market will be held from 3 to 7 PM. The Cal State farmers market sponsored by the Farm Bureau of San Diego County will feature approximately 25 vendors every week. Visitors to the market will have the opportunity to select from a large variety of fresh, locally produced healthful produce including San Diego grown fruit, vegetables, eggs and honey. There will be demonstrations, music, breads and preparedfoods, tastings and more. The market is certified by the state, ensuring that the produce is being sold by local growers, is grown in California and meets all California quality standards. Head for parking lot B at 333 S. Twin Oaks Valley Road in San Marcos, Ca.

Looking to buy a home or sell your home, call 760-945-6652 and get our team to help you find either the right home or find out about our accelerated selling marketing program--- we offer a choice, traditional or non traditional style.

Dogs required to be on-leash elsewhere

San Marcos is home to three dog parks located at San Elijo

Park, 1105 Elfin Forest Road; Hollandia Park, 12 Mission Hills

Court; and Montiel Park, 2290 Montiel Road. There is one

more under construction at the future site of Sunset Park,

located near La Mirada Drive and Poinsettia Avenue.

These parks provide a safe place for four-legged family

members to run and play; however, dogs may only be offleash

in these designated areas. Leashes must be used when

walking dogs on trails or in parks.

"Safety is our main concern," explained Community

Services Director Craig Sargent-Beach. "Dogs that run free in

parks and on trails may encounter rattlesnakes, opossum,

mountain lions or poison oak."

Keeping dogs on-leash in parks and on trails also prevents

disturbance of wildlife in habitat areas and limits personal

liability.

Perhaps most importantly, it is the law and dog owners may be cited for not complying.

Coming soon to the Santa Fe Hills community of San Marcos, is a furniture estate auction, almost new items that have been custom design along with electronics and much much more. It will be held as a silent auction, for private showing contact 1-888-882-1198 Ext 120. Smart Bargain hunters will be gald that they checked out this opportunity. Thinking of selling or buying a home in the San Diego area, go with the best, either auction style or traditional find out which is best for you.

April's statical data for zip code 92069, detach homes.

Sold 24---- Average days on market 18-211 Highest sale 789,000 Lowest 188,900

Attached Homes.

10 Sold ---- Average days on market 4-213 Highest sale 239,00 Lowest 84,900.

Out of the 24 that sold detached 7 were bank owned or short sales.

Out of the 10 attached 2 were bank owned or short sales.

Thinking of selling or buying now is the time, interest rates are in the 4's, and inventory is ample. Call

760-945-6652, for a personal evaluation of your home, or a list of homes in the area you desire.