Roger Hunt

Just recieved confirmation that the High Balance Conforming Loan Program with FNMA has been extended thru 2010 (was supposed to expire 12/31/2009). The loan limits have been extended also....so if you are in San Francisco, San Mateo, Santa Clara, Contra Costa Counties, we can still do loan amounts up to $729,750!

This is excellent news!

The rates on the High Balance Conforming loans (>$417,000 & <=$72,750) have tended to be about .625-.875% lower in rate than the Jumbo loans, and that has saved borrowers thousands of dollars in mortgage payments.

This is another indication of the Federal Governments commitment to stimulating the economy in regards to real estate purchase and refinances as a way of furthering the recovery we are begining to see.

If you or any of your clients are looking for a lender who can help in California or any state in the U.S.A. I would be honored to work with your clients.

You can reach me at my cell number 650.796.0326 or my website www.homeloans.com/wfhm/roger-hunt where you can apply on line. Thank you Roger

"The human contribution is the essential ingredient. It is only in the giving of oneself to tohers that we truly live"

Ethel Percy Andrus

I don't know if it is a generational thing or not, but it seems to me that people are getting more rude and displaying a lack of courtesy and a lack of kindness more and more each day. When I was raised (born in 1954), I was taught to address my elders by surnames (e.g. Mr. Smith and Mrs. Smith), to open doors for women and elderly (and people with strollers or hands full of shopping). I was taught to show up to an interview (whether it was for a job as dishwasher or executive), dressed in suit and tie, with my shoes polished. Maybe it is my imagination (I want to believe that), but it seems like people just don't care about anyone but themselves.

I was driving on the freeway the other day and no one would let me change lanes to get around a slow truck, even though I waited with blinker on for some time. I remember another time I was waiting for a parking place and someone rushed right in and took it from me with no apology or remorse (like that scene from Fried Green Tomatoes with Kathy Bates). Sometimes the salesperson will be rude (like I am interupting them for help) with no "thank-you for shopping with us", or apology that they didnt have what you needed. Has America lost the human touch of kindness and courtesy?

I personally believe, that most people are kind and courteous. I believe there are a few that show up so loud and rude it takes our breath away......we remember these and forget about the others.

We forget about the person who let you go first at a stop sign, or the person that let you on to the freeway. Every so often, there is a person that just blows a hole in the view that its all going out the window.

I remember another day when I was crossing a bridge and when I went to pay the toll the toll person said the guy ahead of me paid for it....I couldnt believe it....they were total strangers, I couldnt thank them......so I "played it forward".....and said, please do this for the car behind me, and here is money for the one after that!

Moral of the story for me? I think the world needs more kindness and courtesy.....so......let it start with me........what can I do today that will show kindness and courtesy for someone else? Maybe let the person in line for the grocery store go ahead of me (even if they have a whole grocery cart of items), maybe open the door for someone at the store, or hold the door for someone......drop some money in the hand of a person asking for help on the sidewalk, or call a local charity to see if there is something special they need today and pick it up and drop it by.........

Make a standout bid on a home you want!

Be a more confident Homebuyer with our "ON-TIME CLOSING GUARANTEE".

Reassurance carries a lot of weight with home sellers and their listing agents. Like you, they want to feel comfortable about your mortgage lender's strength and capabilities.

That's why our "ON-TIME CLOSING GUARANTEE", combined with our preapproved financing, can help elevate your offer above the others. It helps everyone feel more confident in our intention to see the sale through.

The Fewer Uncertainties The Better- Rely on our lending stability to help you find the right financing solution for your needs. And we'll put our closing guarantee in writing to reflect our commitment to service excellence-and to you!.

Contact me today for a free consultation! Roger Hunt 650.796.0326 or visit me on www.rogerhunt.com.

Our Guarantee- If we don't meet your initial closing date, as indicated in the original purchase contract, we'll refund your first month's mortgage payment (Principal & Interest)*.

*Available on all qualified purchase transactions. Other terms and conditions apply. See a Home Mortgage Consultant for details. This information is accurate as of the date of printing and is subject to change without notice.

Looking Ahead - California Association of Realtors Releases 2010 Housing Market Forecast

RISMEDIA, November 9, 2009-"California's housing market continued its strong sales rebound this year, resulting from the continued pace of distressed properties coming to market," said California Association of Realtors (C.A.R.) President James Liptak. "This follows two years of double-digit sales declines in 2006 and 2007. Looking ahead, we expect sales to moderate to a more sustainable pace."

"After experiencing its sharpest decline in history, we expect the median price to rise modestly next year," Liptak added. "2010 will mark the beginning of the ‘new normal' for California's housing market. This ‘new normal' likely will feature a steady stream of sales driven by distressed properties in the low end of the market, coupled with moderate home-price appreciation."

The median home price in California will rise 3.3% to $280,000 in 2010 compared with a projected median of $271,000 this year, according to the forecast. Sales for 2010 are projected to decrease 2.3% to 527,500 units, compared with 540,000 units (projected) in 2009.

"Housing in California has become a tale of two markets," Liptak said. "The low end continues to attract first-time buyers and investors, with a resulting shortage in the number of homes for sale. Sellers at the high end, however, continue to be challenged by the ability of home buyers to secure financing as well as their concerns about where prices are headed. While demand from first-time buyers for low-end properties will continue throughout next year, sales could be impacted if discretionary sellers do not return to the market by the second half of 2010.

"2009 marked a unique opportunity for first-time home buyers," Liptak said. "Homes were more affordable than they have been in years, interest rates hovered near historic lows, and the federal tax credit helped more than 1 million people become homeowners nationwide. Now is the time for Congress to extend the federal tax credit and to expand it to all buyers, not just first-timers."

"With distressed properties accounting for nearly one-third of the sales in 2010, inventory will be relatively lean, under six months during the off-season months, and a roughly four-month supply during the peak season," said C.A.R. and Vice President Leslie Appleton-Young. "We expect the median price to decrease slightly through the remainder of 2009 and into next year, then rise before leveling off next summer. For the year as a whole, home prices are forecast to reach $280,000."

"Although it appears at this time that lenders are closely monitoring the flow of distressed properties onto the market, there could be an exertion of downward pressure on home prices should a heavier than expected wave of foreclosures come to market next year," she said.

"The wild cards for 2010 include foreclosures, loan resets, the labor market, and the California budget crisis, as well as the actions of the federal government," Appleton-Young said.

For more information, visit www.car.org.