Which Homes Have Appreciated the Most?

Which Homes Have Appreciated the Most? - Home values have risen dramatically over the last twelve months. The latest Existing Home Sales Report from the National Association of Realtors puts the annual increase in the median existing-home price at 7.1%. CoreLogic, in their most recent Home Price Insights Report, reveals that national home prices have increased by 6.9% year-over-year.

The CoreLogic report broke down appreciation even further into four different price categories:

1. Lower Priced Homes: priced at 75% or less of the median
2. Low-to-Middle Priced Homes: priced between 75-100% of the median
3. Middle-to-Moderate Priced Homes: priced between 100-125% of the median
4. High Price Homes: priced greater than 125% of the median

Here is how each category did in 2016:

Bottom Line

The lower priced homes (which are more in demand) appreciated at greater rates than the homes at the upper ends of the spectrum.

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Housing Market Expected to “Spring Forward”

Housing Market Expected to “Spring Forward” - Just like our clocks this weekend in the majority of the country, the housing market will soon “spring forward!” Similar to tension in a spring, the lack of inventory available for sale in the market right now is what is holding back the market.

Many potential sellers believe that waiting until Spring is in their best interest, and traditionally they would have been right.

Buyer demand has seasonality to it, which usually falls off in the winter months, especially in areas of the country impacted by arctic temperatures and conditions.

That hasn’t happened this year.

Demand for housing has remained strong as mortgage rates have remained near historic lows.

The National Association of Realtors (NAR) recently reported that the top 10 dates sellers listed their homes in 2016 all fell in April, May or June.

Those who act quickly and list now could benefit greatly from additional exposure to buyers prior to a flood of more competition coming to market in the next few months.

Bottom Line

If you are planning on selling your home in 2017, let’s get together to evaluate the opportunities in our market.

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The Impact of Homeownership on Family Health

The Impact of Homeownership on Family Health - The National Association of Realtors recently released a study titled 'Social Benefits of Homeownership and Stable Housing.’ The study confirmed a long-standing belief of most Americans:

“Owning a home embodies the promise of individual autonomy and is the aspiration of most American households. Homeownership allows households to accumulate wealth and social status, and is the basis for a number of positive social, economic, family and civic outcomes.”

Today, we want to cover the section of the report that quoted several studies concentrating on the impact homeownership has on the health of family members. Here are some of the major findings on this issue revealed in the report:

• There is a strong positive relationship between living in poor housing and a range of health problems, including respiratory conditions such as asthma, exposure to toxic substances, injuries and mental health. Homes of owners are generally in better condition than those of renters.
• Findings reveal that increases in housing wealth were associated with better health outcomes for homeowners.
• Low-income people who recently became homeowners reported higher life satisfaction, higher self-esteem, and higher perceived control over their lives.
• Homeowners report higher self-esteem and happiness than renters. For example, homeowners are more likely to believe that they can do things as well as anyone else, and they report higher self-ratings on their physical health even after controlling for age and socioeconomic factors.
• Renters who become homeowners not only experience a significant increase in housing satisfaction but also obtain a higher satisfaction even in the same home in which they resided as renters.
• Social mobility variables, such as the family financial situation and housing tenure during childhood and adulthood, impacted one’s self-rated health.
• Homeowners have a significant health advantage over renters, on average. Homeowners are 2.5 percent more likely to have good health. When adjusting for an array of demographic, socioeconomic, and housing–related characteristics, the homeowner advantage is even larger at 3.1 percent.

Bottom Line

People often talk about the financial benefits of homeownership. As we can see, there are also social benefits of owning your own home.

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Rancho Cucamonga Home For Rent 10115 Bedford Drive Coming Soon

Rancho Cucamonga Home For Rent 10115 Bedford Drive
Coming Soon

Rancho Cucamonga Home For Rent 10115 Bedford Drive Coming Soon - 

10115 Bedford Ave Rancho Cucamonga, CA 91730 By Celina Vazquez from Celina Vazquez on Vimeo.

Celina Vazquez Broker/Realtor presents this beautiful single story house located in the #City of #RanchoCucamonga that features 2 bedroom, 2 #bathrooms and 2-car #garage with direct access. Large #living room with light berber #carpet and large windows that allows the natural light in. The dining room is next to the fully remodeled #kitchen with gorgeous light granite counters and large island with stainless steel sink in and sitting area.  Gorgeous #kitchen with custom cabinets, granite counters, stainless steel appliances and stunning backsplash tile.  Multi-cycle #dishwasher, high-performance microwave, and 4-burner stainless steel stove. The master-suite has double closets, sitting area and large master bath with granite counters.  Great #backyard with #beautiful patio.  Cucamonga Elementary #School, #RanchoCucamonga Middle School, and Chaffey High School are the designated schools for this area. The Victoria Gardens  Mall is just 10 minutes away.The #VictoriaGardens is a beautiful shopping center pedestrian-oriented, open-air concept, mixed-used town center with stores such Macy’s, #JcPenney, #BassProShops, #Express, Banana Republic, #bebe, Brighton and many more. Great restaurants to dining in such #BRIO Tuscan grille, #California Pizza Kitchen, The #Cheesecake Factory, #CrepesDeParis, #Lucille’s Smoke House, Bar-B-Que, #LunaMexicanGrill, #YardHouse and many more. To see this home contact Celina Vazquez at 909-697-0823 or by email at celina@celinavazquezrealtor.com

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BRE# 01736989

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10115 Bedford Ave Rancho Cucamonga, CA 91730 By Celina Vazquez from Celina Vazquez on Vimeo.

Harvest Villages at Vernola Ranch

The Harvest Villages at Vernola Ranch

The Harvest Villages At Vernola Ranch - The new community of Harvest Villages, from Lennar homes, offers single-family homes with built-in amenities. These include solar panels, kitchens with granite countertops, and even the Everything’s Included package. The community is turning out to be very modern and family-orientated.

Harvest Villages is a small neighborhood located in the semi-urban community that is Mira Loma. It became part of the city of Jurupa Valley when it was voted to be incorporated into the city in 2011. 

Schools - Harvest Villages is a wonderful place to raise a family, with and an assortment of schools. Mira Loma Middle School, the local intermediate school. Jurupa Valley High School is just outside of Harvest Villages. The public high school offers various sports and activities. 

What Is There To Do - There are two enormous shopping centers just across the 15 freeway from Harvest Villages. The centers have stores that provide necessities to the neighborhood, such as Target, Home Depot, and Vons. The shopping center also provides department-like stores that one might find in a mall, like TJ Maxx, Home Goods, Tilly’s, Sports Chalet, Famous Footwear, and even beauty stores like Ulta. The shopping center is also very popular because it provides entertainment. Edwards Eastvale Gateway Stadium 14 is located in the center, providing a variety of new movies in large theaters. 

Eats - Just outside the theater lies a courtyard, where people like to relax, and enjoy a dessert of frozen yogurt or from the Nestle Tollhouse. The shopping center would definitely not be complete without a variation of restaurants, with many to choose for every occasion and everyone’s different tastes and interests. The Food Court section part of the center has common and delicious foods like the Habit for burgers, and Dickey’s for barbecue. There are also more formal restaurants such as Johnny Carino’s and Applebee’s. There is even a more offbeat collection of restaurants in the corner of the shopping center: Zip Fusion Sushi, Thai Bamboo Café, and Pho Viet. These varieties of Asian cuisines demonstrate some of the cultural diversity in the area and give people the opportunity to experiment and try something new. But Mira Loma even has its own sets of restaurants and stores on the east side of the 15 freeway. It has small restaurants like Steer n Stein and has a few authentic Mexican shops that are popular for the meat and chicken that they sell. Nearby there are also establishments such as the Glen Avon Library.  

Community - Over the past years, Mira Loma has become an ideal place to live. With expansion and progress in Southern California moving South and coming our way, that can only mean improvements and development for Jurupa Valley. But even the way that the area is, it is a reasonable distance from both Los Angeles and San Diego, but it provides an escape from the metropolitan life, by maintaining a balance between urban and rural. If contemplating on moving into the Harvest Villages community, it is important to consider the assets for schools, entertainment, the community itself, and development. And while development is spreading towards the area, Harvest Villages will maintain its spirit that is central to the community.

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The Great News About Rising Prices for Homeowners

The Great News About Rising Prices for Homeowners - Recently there has been a lot of talk about # home prices and if they are accelerating too quickly. As we mentioned before, in some areas of the country, seller supply (homes for sale) cannot keep up with the number of buyers out looking for a # home, which has caused prices to rise.

The great news about rising prices, however, is that according to CoreLogic’s US Economic Outlook, the average American # household gained over $11,000 in equity over the course of the last year, largely due to home value increases.

The map below was created using the same report from CoreLogic and shows the average equity gain per mortgaged home from June 2015 to June 2016 (the latest data available).

For those who are worried that we are doomed to repeat 2006 all over again, it is important to note that # homeowners are investing their new-found equity in their # homes and themselves, not in depreciating assets.

The added equity is helping families put their # children through # college, invest in starting small businesses, allowing them to pay off their mortgage sooner or move up to the home that will better suit their needs now.

Bottom Line

CoreLogic predicts that home prices will appreciate by another 5% by this time next year. If you are a homeowner looking to take advantage of your home equity by moving up to your dream home, let's get together to discuss your options!

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Here Are Some Home Listed in the 
Jurupa Valley Area

3 Questions to Ask If You Want to Buy Your Dream Home

 

3 Questions to Ask If You Want to Buy Your Dream Home - If you are debating purchasing a # home right now, you are probably getting a lot of advice. Though your friends and family will have your best interest at heart, they may not be fully aware of your needs and what is currently happening in the # real estate # market. Ask yourself the following 3 questions to help determine if now is a good time for you to buy in today’s market.

1. Why am I buying a home in the first place? 

This is truly the most important question to answer. Forget the finances for a minute. Why did you even begin to consider purchasing a home? For most, the reason has nothing to do with money.

For example, a survey by Braun showed that over 75% of parents say “their child’s education is an important part of the search for a new home.”

This survey supports a study by the # Joint Center for Housing Studies at Harvard University which revealed that the top four reasons # Americans buy a home have nothing to do with money. They are:

• A good place to raise children and for them to get a good education
• A place where you and your family feel safe
• More space for you and your family
• Control of that space

What does owning a home mean to you? What non-financial benefits will you and your family gain from owning a home? The answer to that question should be the biggest reason you decide to purchase or not.

2. Where are home values headed?

According to the latest # Existing Home Sales Report from the # National Association of Realtors (NAR), the median price of homes sold in December (the latest data available) was $232,200, up 4.0% from last year. This increase also marks the 58th consecutive month with year-over-year gains.

If we look at the numbers year over year, # CoreLogic forecasted a rise by 4.7% from December 2016 to December 2017. On a home that costs $250,000 today, that same home will cost you an additional $11,750 if you wait until next year.

What does that mean to you?

Simply put, with prices increasing each month, it might cost you more if you wait until next year to buy. Your down payment will also need to be higher in order to account for the higher price of the home you wish to buy.

3. Where are mortgage interest rates headed?

A buyer must be concerned about more than just prices. The ‘long-term cost’ of a # home can be dramatically impacted by even a small increase in mortgage rates.

The # Mortgage Bankers Association (MBA), the # National Association of Realtors, and # Fannie Mae have all projected that mortgage interest rates will increase over the next twelve months, as you can see in the chart below:

Bottom Line

Only you and your family will know for certain if now is the right time to purchase a home. Answering these questions will help you make that decision.

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5 Reasons to Love Using A Real Estate Pro

Highlights:

• Hiring a # real estate professional to guide you through the process of buying a # home or # selling your house can be one of the best decisions you make!
• They are there for you to help with paperwork, explaining the process, negotiations, and helping you with pricing (both when making an offer or setting the right price for your home).
• One of the top reasons to hire a # real estate professional is their understanding of your local market and how the conditions in your neighborhood will impact your experience.

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Buyers Are Searching For Your House - Celina Vazquez Blog

Buyers Are Searching For Your House

Buyers Are Searching For Your House - The most recent Pending Homes Sales Index from the # National Association of Realtors revealed a slight bump in contracts with an increase of 1.6% in December. This news comes as existing home sales are also forecasted to be on pace for 5.54 million in 2017, a 1.7% increase over 2016, which was the best year for sales in a decade.

The # Pending Home Sales Index is a leading indicator for the # housing sector, based on pending sales of existing # homes. A sale is listed as pending when the contract has been signed but the transaction has not closed.

According to # NAR’s Chief Economist, Lawrence Yun,

“Pending sales bounded last month as enough buyers fended off rising mortgage rates and alarmingly low inventory levels to sign a contract.”

So, what’s the problem?

Buyers are searching for existing homes, but supply is not keeping up with their demand!

Yun went on to explain,

“The main storyline in the early months of 2017 will be if supply can meaningfully increase to keep price growth at a moderate enough level for households to absorb higher borrowing cost. Sales will struggle to build on last year’s strong pace if inventory conditions don’t improve.” (emphasis added)

Bottom Line

Buyers are out in force right now! If you are considering selling your home this year, the early months of 2017 will be your best option. Let’s get together to discuss how you can capitalize on current market conditions.

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2 Mitos que pueden estar frenando los compradores

Un artículo de Fannie Mae, ‘Lo que los consumidores (no) saben sobre los criterios de calificación para una hipoteca’ (What Consumers (Don’t) Know About Mortgage Qualification Criteria) reveló que “Solo del 5 al 16 por ciento de los encuestados saben los rangos correctos para un criterio de calificación hipotecaria clave”.

Mito #1: “Necesito una cuota inicial de 20 %”

La encuesta de Fannie Mae reveló que los consumidores sobrestiman los fondos necesarios para la cuota inicial para calificar por un préstamo hipotecario. Según el informe, 76 % de los estadounidenses o no saben (40 %) o están mal informados (36 %) sobre la cuota inician mínima requerida.

Muchos piensan que necesitan por lo menos un 20 % de cuota inicial para compra la casa de sus sueños, pero muchos programas en realidad permiten que los compradores pongan tan poco como el 3 %.

A continuación, están los resultados de la encuesta de Digital Risk sobre los ‘millennials’ que recientemente compraron una casa.

Como puede ver, ¡64.2 % pudo comprar su casa poniendo menos del 20 % de cuota inicial, con 43.8 % poniendo menos de 10 %!

Mito #2: “Necesito un puntaje FICO de 780 o más para comprar”

La encuesta reveló que el 59 % de los estadounidenses no saben (54 %) o están mal informados (5 %) sobre la puntuación FICO que es necesaria para calificar.

Muchos estadounidenses creen que un ‘buen’ puntaje de crédito es de 780 o superior.

Para ayudar a desenmascarar este mito, veamos el último informe “Origination Insight Report” de Ellie Mae, que se centra en los préstamos que cerraron recientemente (aprobados). Como usted puede ver abajo, 54.7 % de las hipotecas aprobadas tienen un puntaje de crédito de 600 a 749.

En conclusión,

Sea que está comprando su primera casa o mudándose a la casa de sus sueños, conocer sus opiniones definitivamente facilitara el proceso de la hipoteca. La casa de sus sueños puede ya estar a su alcance.

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Sales at Highest Pace in 10 Years! 

Highlights:

• 5.45 million existing #homes were #sold in 2016! This is the highest mark set since 2006.
• Inventory of existing #homes for sale dropped to a 3.6-month supply, the lowest level since NAR began tracking in 1999.
• The median price of #homes sold in December was $232,200. This is the 58th consecutive month of year-over-year price gains.
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NFL: The 2017 Pro Bowl Hosted at Orlando Citrus Bowl

NFL: The 2017 Pro Bowl Hosted at Orlando Citrus Bowl

This Sunday the 2017 #NFL Pro Bowl will be hosted at the #Orlando Citrus Bowl in Orlando, Florida 

on Sunday, January 29th, 2017. #Jerome Bettis, #Ray Lewis (AFC) and Former Tight End for 

Atlanta Falcons, a team that will be in this year's Super Bowl, #Tony Gonzalez along with #Charles 

Woodson (NFC) will lead their teams in the #NFL all-star game. #Giants representatives include 

#Odell Beckham Jr., #Janoris Jenkins, #Landon Collins and #Dwayne Harris.

Here are some things to know:

Who: AFC vs NFC All-Stars

When: Sunday, January 29th 2017

Where: Orlando Citrus Bowl, Orlando Florida

Time: 8 p.m . EST

TV: ESPN

The NFL along with players have been trying to come up with ways to change the and add 

excitement to the Pro Bowl, So they decided to have San Diego Chargers (Now The Los Angeles 

Chargers) quarterback Philip Rivers throw dodgeballs at opponents. 

Moving the Pro Bowl to Florida this year instead of having it in Hawaii, they are having a traditional 

AFC-NFC exhibition game, the NFL has decided to bring back the skills challenge, with some 

activities that might be closely resembling what the NBA does with its skills competition.

Some of the competitions that will be seen are as follows, drone drop, power relays, and dodge ball. 

As part of Pro Bowl Week at Disney's Sports Complex.

Keeping it weird, 20 players representing the NFC and AFC go head-to-head in dodge ball. 

There still are some regular challenges for the athletes such as the quarterback challenge and a hands 

competition for receivers.

Roster For Each Team

AFC Pro Bowl Roster

Offense

Wide receiver: Antonio Brown*, Steelers; Amari Cooper*, Raiders; A.J. Green, Bengals; T.Y. Hilton, Colts

Tackle: Joe Thomas*, Browns; Donald Penn*, Raiders; Taylor Lewan, Titans

Guard: Marshal Yanda*, Ravens; Kelechi Osemele*, Raiders; David DeCastro, Steelers

Center: Rodney Hudson*, Raiders; Maurkice Pouncey, Steelers

Tight end: Travis Kelce*, Chiefs; Delanie Walker, Titans

Quarterback: Tom Brady*, Patriots; Derek Carr, Raiders; Ben Roethlisberger, Steelers

Running back: Le'Veon Bell*, Steelers; DeMarco Murray, Titans; LeSean McCoy, Bills

Fullback: Kyle Juszcyzyk*, Ravens

Defense

Defense end: Khalil Mack*, Raiders; Cameron Wake*, Dolphins; Jadeveon Clowney, Texans

Interior linemen: Geno Atkins*, Bengals; Ndamukong Suh*, Dolphins; Jurrell Casey, Titans

Outside linebacker: Von Miller*, Broncos; Lorenzo Alexander*, Bills; Brian Orakpo, Titans

Inside/middle linebacker: Dont'a Hightower*, Patriots; C.J. Mosley, Ravens

Cornerback: Marcus Peters*, Chiefs; Aqib Talib*, Broncos; Casey Hayward, Chargers; Chris Harris Broncos

Free safety: Devin McCourty*, Patriots; Reggie Nelson, Raiders

Strong safety: Eric Berry*, Chiefs

Special Teams

Punter: Pat McAfee*, Colts

Kicker: Justin Tucker*, Ravens

Long snapper: Morgan Cox*, Ravens

Return specialist: Tyreek Hill*, Chiefs

Special teamer: Matthew Slater*, Patriots

Replacements

Quarterback: Alex Smith, Chiefs, for Carr (injured); Andy Dalton, Bengals, for Brady (Super Bowl)

Running back: Jay Ajayi, Dolphins, for McCoy (injured); Melvin Gordon, Chargers, for Le'Veon Bell (injured)

Center: Jeremy Zuttah, Ravens, for Maurkice Pouncey

Linebacker: Zach Brown, Bills, for Dont'a Hightower (Super Bowl); Ryan Shazier, Steelers, for C.J. Mosley (injured)

Guard: Richie Incognito, Bills, for Yanda (injured)

Center: Eric Wood, Bills, for Ryan Kalil (injured)

Tackle: Andrew Whitworth, Bengals, for Penn (injured)

Wide receiver: Emmanuel Sanders, Broncos, for Cooper (injured); Jarvis Landry, Dolphins, for Green (injured); Demaryius Thomas, Broncos, for Antonio Brown

Defense end: Carlos Dunlap, Bengals, for Clowney (injured); Leonard Williams, Jets, for Mack (injured)

Strong safety: Darian Stewart, Broncos, for Berry (injured)

Free safety: Eric Weddle, Ravens, for McCourty (Super Bowl)

Punter: Dustin Colquitt, Chiefs, for McAfee (injured)

Special teamer: D.J. Alexander, Chiefs, for Slater (Super Bowl)

NFC Pro Bowl Roster

Offense

Wide receiver: Julio Jones*, Falcons; Odell Beckham*, Giants; Mike Evans, Buccaneers; Larry Fitzgerald, Cardinals

Tackle: Tyron Smith*, Cowboys; Trent Williams*, Redskins; Jason Peters, Eagles

Guard: Zack Martin*, Cowboys; Brandon Scherff*, Redskins; T.J. Lang, Packers

Center: Travis Frederick*, Cowboys; Alex Mack, Falcons

Tight end: Greg Olsen*, Panthers; Jordan Reed, Redskins

Quarterback: Matt Ryan*, Falcons; Aaron Rodgers, Packers; Dak Prescott, Cowboys

Running back: Ezekiel Elliott*, Cowboys; David Johnson, Cardinals; Devonta Freeman, Falcons

Fullback: Mike Tolbert*, Panthers

Defense

Defensive end: Everson Griffen*, Vikings; Cliff Avril*, Seahawks; Michael Bennett, Seahawks

Interior linemen: Aaron Donald*, Rams; Gerald McCoy*, Buccaneers; Fletcher Cox, Eagles

Outside linebacker: Vic Beasley*, Falcons; Ryan Kerrigan*, Redskins; Thomas Davis, Panthers

Inside/middle linebacker: Bobby Wagner*, Seahawks; Luke Kuechly, Panthers

Cornerback: Janoris Jenkins*, Giants; Patrick Peterson*, Cardinals; Richard Sherman, Seahawks; Xavier Rhodes, Vikings

Free safety: Harrison Smith*, Vikings; Ha Ha Clinton-Dix, Packers

Strong safety: Landon Collins*, Giants

Special teams

Punter: Johnny Hekker*, Rams

Kicker: Matt Bryant*, Falcons

Long snapper: Jake McQuaide*, Rams

Return specialist: Cordarrelle Patterson*, Vikings

Special teamer: Dwayne Harris*, Giants

Replacements

Tight end: Jimmy Graham, Seahawks, for Reed (injured)

Running back: Jordan Howard, Bears, for Johnson (injured)

Quarterback: Kirk Cousins, for Rodgers

Offensive tackle: David Bakhtiari, Packers for Peters (injured)

Guard: Trai Turner, Panthers, for Scherff (injured), Josh Sitton, Bears, for Lang (injured)

Outside linebacker: K.J. Wright, Seahawks, for Kerrigan (injured)

Inside/middle linebacker: Sean Lee, Cowboys, for Kuechly (injured)

Interior linemen: Linval Joseph, Vikings, for Donald (injured)

Kicker: Matt Prater, Lions, for Bryant (Super Bowl)

CONGRATULATIONS TO ALL THE NEW ENGLAND PATRIOTS FANS & ATLANTA FALCONS FANS FOR MAKING IT TO THE SUPER BOWL