Kali Real Estate

Property Management in Chula Vista

California’s Home Financing Trends

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Home-Financing-Trends

 

In 2013, the majority of California home buyers obtained 30-Year, fixed rate loans.

  • The average down payment was 25%

  • Buyers who had no problems with their appraisal 83%

  • Buyers who obtained a 30-year loan 85%

  • Buyer who obtained a fixed-rate loan 91%

  • 91 % of California home buyers financed their home in 2013

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Source: CAR’s 2013 Home Buyer Survey

Financial Perks Of Homeownership

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Financial-Perks-of-Homeownership

Owing a home has several tax incentives and generally improves your overall net worth.

A homeowner’s net worth is 45.9 times that of a renter’s!

Here are a few of the ways owning a home can save you money and increase your financial well-being:

  • Federal tax credits of $500 and up are available through Energy Star to help homeowners working to create an energy efficient home.
  • The Mortgage Interest Deduction saves an average homeowner about $3,000 per year.
  • The California Relator’s Energy Audit Program(REAP) provides up to a $250 rebate on a Home Energy Rating System (HERS) home energy audit conducted by a certified HERS rater.

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Sources: NAR,C.A.R., The Federal Reserve and Energy Star

Save Big With A Shorter Term Loan

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shorter-term-loans

Loans with earlier payoffs, such as a 15 or 20 year loan, can often result in lower interest rates because they carry less risk for lenders.

The chart above illustrates the interest rate savings on a mortgage with a current loan balance of $250,000. While mortgage payments increase slightly as the term shortens, the savings on interest grows dramatically.

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Source: Lending Tree LLC

 

Don’t Wait Too Long To Buy

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why-buy-a-home-now

 

Interest rates are at an all time record low, but even a one-point increase can raise your monthly mortgage payment. Here’s a look at how interest rates affect mortgage payments.

Monthly Principal and Interest

on a 30-year, fixed-rate $150,000 mortgage

Interest Rate
Monthly Principal and Interest
(does not include taxes, insurance or PMI)
4% $716.12
4.5% $760.03
5% $805.23
5.5% $851.68
6% $899.33
6.5% $948.1
7% $997.95

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A 3% interest rate increase can cost you nearly $300 a month!

Keep the Mortgage Interest Deduction

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Many REALTORS® have asked for information on the debate surrounding the mortgage interest deduction that they can share with family, friends and colleagues. REALTORS® and the public alike are urged to share the information in this email with as many people as possible.

Background

Congress, as part of negotiations on avoiding the “Fiscal Cliff,” has made direct references to “closing loopholes” and “limiting deductions” as a way to raise revenues. Clearly, the mortgage interest deduction is high on this list of revenue raisers.

Losing the Mortgage interest deduction will disproportionately affect the middle class because a larger proportion of the middle class takes the deduction. In California 89% of those who took the mortgage interest deduction earned less than $200,000. Losing the deduction would cost the average California taxpayer over $3,900.

What your family, friends and clients can do to help:

Call Congress. First and foremost, we are urging the public to get involved by calling Congress to ask that the mortgage interest deduction be preserved. The public may reach Congress by calling 202-224-3121. The Capitol switchboard operator will help callers identify their member of Congress and connect them.
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Monday-Friday
from 9:00 am – 6:00 pm, Eastern time.

 Get the word out. Many people seem to be blissfully unaware that their mortgage interest deduction is in danger. Please do the following to make sure that the message spreads.

  1. Forward this message to your family, friends and clients.
  2. Post this information on your personal and office websites and blogs.
  3. Share this information on Facebook and urge others to share it as well.
  4. Tweet about it on Twitter and urge others to retweet. Use the hashtag: #savethemid.
  5. Link to the following web page: KEEP MY MID. This site has information about contacting Congress, more information on the MID and links to articles.
  6. As you see new information and articles, share these on all your social networking sites.

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