Janet McCarthy's Blog Posts

I am sharing this report from National Association of Realtors chief economist, Lawrence Yun just published in Realtor magazine.I'm hearing lots of rumors about prices going down, short sales and

Here`s my advice to increase your credit score as fast as possible:1. Increase your credit limit! Did you know you can go into your bank app or website and ask for a credit increase online? It`s not

According to HomeDex market statistics for October 2022, existing home sales declined nationwide for the 8th consecutive month, closed sales decreased 44.3% for detached homes and 41.4% for Attached

Nobody knows what interest rates are going to do...noteven the Fed.My question for buyers right now is, "Why does it matter?"What is the worse that could happen?You buy now and rates go up? Great!

The experts predict that we could see another year of massive home price appreciation. Home prices have already risen 20% from 2020, but the underlying cause of this increase, the housing shortage,

Rancho Bernado Market Update for Sept. 2021Average Sales price - ⬆+ 16/5%Average Sales price - $890,000Percent of list price received -⬆ +3.4%See all the Rancho Bernardo Homes for sale - https:/

The perception is we're in an artificial bubble because house prices are going up.But the reality is that house prices are up because of an inventory shortage and an increase in buyer demand due to

Contact Jordan Vautier858-900-1708Jordan@emortgagee

There’s a lot of excitement about record-low mortgage interest rates lately. Recently, a 30-year fixed-rate mortgage dropped to 2.88% for the week of Aug. 6, according to Freddie Mac.This is

Just received another 5 Star review!! I'm so very thankful for the opportunity to help!  I never met this seller.  She found me online and called me.  After a few conversations, I

Factors Impacting Your Credit ScoreThe factors that play a role in your credit score include:?• Payment history: This is the main factor of a credit score, making up about 35% of your score.

How can I build my credit history?You build a credit history when companies and organizations report to the credit bureaus about you. One easy way to build credit history without taking out a loan

WHAT IS A DEBT-TO-INCOME RATIO AND HOW IS IT USED?Your debt-to-income ratio is the difference between your income each month and your monthly payment obligations, and it is expressed as a percentage

From now until the end of December offers the best opportunities for first time home buyers.  1.  Sellers are more motivated2.  Many buyers stop looking or take a break until

This info is from the National Assocaition of Realtors August 27,2020Mortgage rates dropped this week to average 2.91%, from 2.99% the prior week. Earlier this morning, the Fed announced the

FYI - Mortgage Interest Rates -Don't just look at the interest rates!!! Rates that are super low have hidden fees which could make the low rate the most expensive option. If you need help - just

The California Association of Realtors now requires that everyone sign a Coronavirus Property Entry Advisory and Declaration prior to entering any home.  The form was written to protect

Here is some good research and data regarding COVID and the real estate market.  Real estate is supply and demand so ... we have low supply of homes, high demand of buyers, rents are high,

If you want to improve your credit - use these 3 steps - Reduce your credit utilization ration: This measure of how much credit you've used versus how much credit lenders are willing to give