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Feliz Día de Accion de Gracias

 

El Dia de Acción de gracias no es algo que que se celebra una vez al año…es una actitud que llevamos a lo largo del año.  Sin embargo, No hay mejor momento  ahora para expresar lo agradecida que estoy por su confianza, apoyo y amistad, clientes como tú  hacen que mi trabajo sea verdaderamente una bendición que la vida me regala dia a dia. Espero continuar ayudandote a ti y tu  familia en los años venideros.  Deseandoles que sus Casas se llenen de la alegría de sus amigos, el amor de sus familia y el jubilo de esta  temporada.

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Feliz Día de Accion de Gracias de parte de Sandy Flores y Familia desde el fondo de nuestros corazones.

Propietarios de Casas y el Indice Porcentual

united-states-home-ownership-rate

El Indice porcentual de Propietarios de Casas en los Estados Unidos aumentó a   63.50% en el tercer trimestre del 2016 de 62.90% en el segundo trimestre de este mismo año,  siendo este también el mismo porcentaje en 1965 cuando se inicio el seguimiento basado en La Oficina del Censo de los Estados Unidos.  Este porcentaje refleja las propiedades que están siendo ocupadas por el propietario.

¿Que factores determinan el porcentaje en el índice de Propietarios de Casas?

Son varios los factores que determinan este índice, entre estos tenemos:

  • Crecimiento en Salarios

  • Costos de Renta altos

  • Crédito excesivamente restringidos

  • Pérdida de confianza en la Compra de Casa

Sin embargo, ser propietario de una casa es un movimiento financiero hábil porque construyes riqueza con el tiempo y en general no hay lugar como lo es Nuestra Casa.

Homeowners Pay Less for  Mortgage than Renters for Rent

Homeowners Pay Less for Mortgage than Renters for Rent

Paying a mortgage is cheaper than paying rent. But owning a home costs more.  The never ending debate…Is better to buy or rent?  This could be answered only after considering all of the expenses that contribute to homeownership.

The Bureau of Labor Statistics (BLS) says it’s cheaper to own. It has become less expensive to own. From 2009 to 2012, fueled by falling interest rates, ForRentForSalehomeownership has become more affordable, while renters saw costs go in the opposite direction, according to the BLS.

A recent report by Zillow found that current U.S. home buyers can expect to pay 15.3% of their incomes to a mortgage on the typical home – down considerably from the 22.1% of income homeowners had to budget in the pre-bubble years but renters pay today over 29.5% of their income to rent, compared to 24.9% in the pre-bubble period.

The main reason for the budget disparity is the income gap between owners and renters. At the end of the second quarter, the Census Bureau reported the median annual income in the U.S. was $53,216. But among homeowners, median salaries were $65,514 per year, while the typical renter’s income was just $31,888.

Propietarios de Casas pagan menos por hipoteca que inquilinos por alquiler.

Propietarios de Casas pagan menos por hipoteca que inquilinos por alquiler.

Pagar una hipoteca es más barato que pagar alquiler. Pero ser propietario de una Casa cuesta más que rentar. El debate interminable de que es mejor ¿Comprar o alquilar una Casa? Se puede determinar después de considerar todos los gastos que contribuyen al mantenimiento de una casa.

La Oficina de Estadísticas Laborales (BLS) afirma que es más barato comprar que rentar. Es más económico ser dueño de una propiedad que rentarla.  ForRentForSaleDesde el 2009 al 2012, impulsado por la caída de las tasas de interés, ser propietario de una vivienda se convirtió en una posibilidad más asequible, mientras que los inquilinos vieron los costos en las rentas en dirección opuesta, según la BLS.

Un reciente informe de Zillow encontró que los compradores de vivienda actuales de Estados Unidos esperan pagar un 15,3% de sus ingresos en una hipoteca sobre una vivienda típica por debajo de los inquilinos que pagan hoy sobre 29,5% de sus ingresos para alquilar.

La principal razón de esta diferencia en presupuesto, es la brecha de ingresos entre propietarios e inquilinos. Al final del segundo trimestre, la oficina del censo informó que el ingreso anual promedio en los Estados Unidos fue $53.216. Pero entre los propietarios, los sueldos promedio está entre $65.514 anuales, mientras que el ingreso típico del arrendatario era sólo $31.888.

Luxury Homes!

Luxury Homes!

Luxury is a symbol of a particular lifestyle. It is a representation of a higher standard of living.  This is reflected and is often noted by the number and size of the rooms, specific décor, and other customizable features chosen by Luxury-Home-Interior-929the homeowner.

Luxury homes also boast interesting features not found in other homes. Some of these are customized to fit the wants and needs of the homeowner.

Examples of such features include: granite counter tops, crown molding, stainless steel appliances, and media rooms.

Most of these houses may include a formal dining room perfect for hosting large dinner parties and entertaining guests. They come in different shapes, sizes, and styles, so finding the right home for your money is extremely important. Everyone dreams of having a perfect home!   As always, a Realtor will  be able to take the time and search for the home  of your dreams!

California remains the nation’s priciest housing market

imagesCA9ELC9MFor the seventh consecutive quarter San Francisco, San Mateo, Redwood City,  California remains the nation’s priciest housing market, according to the NAHB index.  About 11 percent of homes sold in the second quarter there were affordable to families earning the area’s median income of $100,400.-

Cities that were found to be among the least affordable in the second quarter are:

  • Santa Ana-Anaheim-Irvine, Calif.
  • Los Angeles-Long Beach-Glendale, Calif.
  • San Jose-Sunnyvale-Santa Clara, Calif.
  • New York-White Plains-Wayne, N.Y.-N.J.

In general The Housing affordability is facing another hit due to higher home prices and qualifying income levels despite borrowing costs from mortgages rates remaining at their lowest levels of the year according to the National Association of Realtors latest reading on its Housing Affordability Index.  Nationally, affordability is down from 168.5 in June 2013 to 153.4 in June 2014

However, Homeowners are still able to take advantage of programs that allow them to refinance and lock in a low mortgage rate with price growth providing equity. Locking in a lower rate now will save money paid in interest for the long term.

California continua como el estado mas costoso en el mercado de la vivienda a nivel nacional.

Por los últimos 7 trimestres  consecutivos  California continúa como el estado a nivel nacional donde hay menos asequibilidad  en el mercado de la vivienda.   Alrededor del 11 por ciento de viviendas vendidas en el segundo trimestre eran asequibles para familias en el área con ingresos promedios de $100.400.-  de acuerdo a la Asociación Nacional de Realtors que según el reporte del Housing Affordability Index.

Entre las principales ciudades que fueron encontradas como las más caras en el país están:

  • Santa Ana-Anaheim-Irvine, Calif.
  • Los Angeles-Long Beach-Glendale, Calif.
  • San Jose-Sunnyvale-Santa Clara, Calif.
  • New York-White Plains-Wayne, N.Y.-N.J.

Así mismo NAR reportó que la asequibilidad en el mercado de la vivienda en general declinó ligeramente en todos los estados de la nación,  mes a mes incluyendo el mes de Junio, así como  año tras año de acuerdo al más reciente informe estadístico realizado. A nivel nacional asequibilidad bajó de 168.5 puntos en Junio del  2013 a 153.4 puntos en Junio del 2014.

Los precios de las Propiedades continuaron incrementando levemente en muchas áreas metropolitanas, y en el segundo trimester  el aumento de los precios a nivel nacional está ahora en su nivel más lento desde el 2012, según el último informe trimestral de la Asociación Nacional de Realtors ®.

Are You Deciding to Purchase Property?

Are You Deciding to Purchase Property?

Are You Deciding to Purchase Property?

By Sandy Flores

Special to Excelsior

Is there any reason for you not to buy a house? We all need a place to live and what better be a property. The main question is whether this is the best.

Most buyers always have doubts, not only about whether this is a good time to buy your own home, but also on whether they meet the requirements to do so, plus if the area is accessible to their places of work, schools, shopping establishments, freeways, among others.

blog25Another point is that a lot of consideration in addition to that you can qualify to purchase your home, you will want to know if payments will be at a level with which you feel financially secure and comfortable to be performed. Renting a property is always going to be an expense that ultimately will not produce any benefit in terms of financial investment concerns. Instead of buying a house it is a better investment.

Today we are experiencing a market and rapidly changing real estate. However, if you are people who prefer to delay the purchase of your own home just to see how the market goes, it’s almost hard to know how long you have to wait because it is impossible to determine precisely when these changes will occur and how. Even if you are in an area with declining prices in the market, even the most knowledgeable experts can reliably and accurately predict the “future” of a real estate market.

If you are renting is wasting seen that many of the benefits that are accompanied with the purchase of your own home. We could list many advantages, but the important thing is that in this market of real estate are experiencing an increase in the number of homes for sale, as well as incentives from some homeowners by providing partial or total help with the costs of paperwork to contribute to the buyer at their purchase cost.

The crucial factor is that prices have declined by about 30 percent compared to previous months. Interest rates are affordable and if you want to wait, there is a chance that they could go up, meaning that if the result goes your monthly interest will also be higher.

Really the best time to buy is determined by you based on all the factors that are currently experiencing. Buying a house has been and remains a good investment especially if you are well informed of their options, alternatives and obligations to perform it.

Buying a home is generally the easiest way to accumulate profit. You could say that three out of four people have more equity in your home that assets in retirement plans, mutual funds and savings through equity if they have not taken short term or through a refinancing.

Although no one can guarantee that your property rise in value or appreciate a specified period, usually observed positive long-term changes.

In general, a large number of homes for sale (normal sale, short sales and foreclosures by the bank, etc.) at much lower prices than in previous months, it’s good to stop and think and consider purchasing your house.

Get all the information you can to be more informed and also consider the help of a professional with experience in assisting first time buyers who can guide for detailed step by step on this very important process that is buying your first home.

Remember, the more guidance and information you have, the more confident you’ll make your home buying experience a pleasant and successful and financially successful.

 

F.T.C Video (Spanish)

F.T.C Video (Spanish)

F.T.C Video (Spanish)