Santa Clarita Valley Real Estate

The Lenders we work with provide Conventional, FHA, VA fixed rate loans with rates often better than those offered by direct or correspondent lenders. We provide quick, smooth and ON TIME closings for our clients. We all should know how important FICO scores are, so here are some basic information to enhance your FICO knowledge and your score. Good credit scores help make it possible to qualify at better rates. For those with lesser FICO scores, we use more forgiving FHA loans. We can help you get qualified and ensure you get to move in or close escrow on the day you want. FICO Scores are weighted and structured with the following weight: 35% by Payment History 30% by Balances Owed 15% by Length of Credit History 10% by New Credit 10% by Types of Credit in Use And the overall calculated ranges: 720 - 850 Excellent, A-paper credit, the "good-guy" rates available; 680 - 719 Good, not much of a compromise on rates; 620 - 679 OK or Fair, clearly in range for FHA consideration;

The following press releases were posted between 01/20/2009 and 01/30/2009: MAJOR CRIME DECREASES 14.6% IN CITY - Burglary and Larceny Theft Show Double Digit Reductions for 2008 SANTA CLARITA POOL OPENS NEW LAP SWIM PROGRAM CITY’S GRAFFITI REMOVAL TASK FORCE SEES SIGNIFICANT IMPACT IN 2008 FINAL TEAMS ANNOUNCED FOR 2009 AMGEN TOUR OF CALIFORNIA - Santa Clarita to host Lance Armstrong, Levi Leipheimer Fabian Cancellara and Oscar Freire Among the World’s Best Teams February 2, 2009 NAMES BEING ACCEPTED FOR CENTRAL PARK'S YOUTH GROVE MEMORIAL COUNCIL MEMBER MARSHA MCLEAN RE-ELECTED TO COUNTY LIBRARY COMMISSION Visit www.santa-clarita.com/press to view all press releases.

Homes sales in the West jumped 13.6 percent to an annual rate of 1.25 million in December and are 31.6 percent higher than a year ago. NAR Housing wizard Yun said the market is actually “ underperforming ” and hurting the broader economy. “We’ ve added 25 million people to our population over the past decade and housing affordability conditions are the best we’ ve seen since 1973, but household formation is much lower than expected,” he said. “Consequently, there is a pent-up demand which could be unleashed with the right stimulus, including a non-repayable home buyer tax credit. The Obama administration and Congress need to move fast to stimulate a spring sales upturn which will help to stabilize home prices and set the foundation for a sustainable economic recovery.” Want an opportunity in today's real estate market. Click here to see this weeks best foreclosure deals. The link below will open your web browser to see the properties. Client Brief Report + Photos The links wi

The Federal Reserve this week reduced the federal funds rate to a range of zero to 0.25 percent. The rate cut likely will not impact 30-year, fixed-rate mortgages. The real impact will be on consumer loans tied to the prime rate, such as home-equity lines of credit and credit cards with variable interest rates. Borrowers with loans tied to the prime rate may see an interest rate decrease. To read the full story, please click here: http://www.usnews.com/blogs/the-home-front/2008/12/16/-6-things-to-know-about-the-fed-rate-cut.html

The Cancer Project promotes cancer prevention and survival through a better understanding of cancer causes, particularly the link between nutrition and cancer. Through research, education, and advocacy, we are saving lives. Learn more here: http://www.cancerproject.org/index.php Learn how to cure yourself, from doctors that promote healing, not treatment: Founded in 1985, the Physicians Committee for Responsible Medicine (PCRM) is a nonprofit organization that promotes preventive medicine, conducts clinical research, and encourages higher standards for ethics and effectiveness in research. http://www.pcrm.org/index.html

We hope you and your loved one’s are deep into the holiday sprit, and if not you’ll be there after reading this special invitation. Please join Weichert Realtors, Hoshaw & Associates in helping those Santa Clarita families in need. We’re currently hosting a local food and book drive, at our Valencia office. Simply drop off books and/or packaged food and we will get them over to our local charitable organization “The Hunger Defense Fund” Tax Id #03-0391642 (all donations are tax deductible). The Hunger Defense Fund is dedicated to reaching out to the needy families among our valley by providing food, clothing, and personal hygiene supplies in the most effective way possible. With overhead costs of only 1%, 99% of donations go toward assisting others in need. It's a simple "Hand Up" that can make a big difference. You don't have to go far to find hungry men, women, and children. Just outside our doors there are people struggling daily to put food on the table. Seni

FHA 203(K) rehab financing for Purchase and Refinance transactions. This government sponsored rehab program is a perfect for the purchase and rehab of of bank owned properties. FHA 203(k) renovation financing provides homeowners a cost-effective way to live in their dream home. And it gives homebuyers the opportunity to purchase properties in need of improvement. This is accomplished with a permanent mortgage that allows you to purchase or refinance a home and then immediately begin the renovation - all with just one application and one closing. The FHA 203(k) loan is a fully disbursed loan which allows a borrower to purchase or refinance a property and finance the cost of rehabilitation with one loan. Because it is fully disbursed at closing, the 203(k) loan can be insured by HUD as soon as the loan closes. The mortgage amount for these loans is based on the projected value of the property with the work completed, taking into account the cost of the renovation. Advantages of FHA 203