01/12/2015

Sending you and your family peace and love with many blessings for this upcoming year.   Merry Christmas!   12/24/2014

    Now offering home loans to clients! 1 year out of bankruptcy 2 years out of foreclosure 600+ Fico Up to 1 million dollars purchase price     You should know that qualifying traditional clients will be easier in 2015. Private investors are offering loans for our self employed borrowers and borrowers with bankruptcy’s and foreclosures at much easier terms than the past. These loans will be offered with a slightly higher interest rate and down payment. Bank statement loans allow a client to qualify not using traditional tax qualifying methods. Look for stated loans to come later in 2015 and drive the market higher for the next few years.   12/11/2014

CA Mortgage Rates for 11/19/2014   Program                                   Rate                  APR FHA 3.5% Down                              3.750%            5.128% VA 0% Down                                    3.750%             3.924% Conventional 5% w/MI                  4.250%             5.161% Conventional 20% Down 30yr       4.250%             4.307%   *Zero points, 30 day locks 680 FHA/VA and 720 Conventional fico scores       Rates based off $300,000 sales price MI = Mortgage Insurance LPMI = Lender Paid Mortgage Insurance     11/19/2014

CA Mortgage Rates for 11/12/2014:   Program                               Rate                      APR FHA 3.5% Down                  3.750%                  5.128% VA 0% Down                        3.750%                  3.924% Conventional 5% w/MI            4.375%                   5.275% Conventional 20% Down 30yr 4.375%                  4.426%     *Zero points, 30 day locks 680 FHA/VA and 720 Conventional fico scores     Rates based off $300,000 sales price MI = Mortgage Insurance LPMI = Lender Paid Mortgage Insurance     11/12/2014

A dip in mortgage rates has many home buyers and refinancers wondering how they can capitalize on current market conditions.   Mortgage rates hit 2014 lows in mid-October and are still near 16-month lows. The rate dip has prompted many homeowners to explore refinancing and many home buyers to ask questions about how they can secure a low rate. Here’s a rate reference guide to help you navigate this market and obtain the best terms on your financing. Understanding the rate market Most home mortgages in the U.S. are eventually packaged into bonds, and rates change as mortgage bonds trade in the open market each day. Bonds pay a rate of return to investors each year. These “rates” rise when bond prices fall, and fall when bond prices rise — then consumer mortgage rates typically follow su... 11/05/2014

CA Mortgage *Rates for 11/05/2014: Program                                  Rate                              APR FHA 3.5% Down                       3.750%                  APR: 5.128%   VA 0% Down                            3.750%                  APR: 3.924%   Conventional 5% w/MI                  4.375%                   APR: 5.275%   Conventional 20% Down 30yr     4.375%                  APR: 4.426%       *Zero points, 30 day locks 680 FHA/VA and 720 Conventional fico scores   11/05/2014

By: Brad Rachielles, Realtor To say that the Upland, CA. Real estate Market is changing is an understatement. However, listening to the national or even county stats from the big name reports may be confusing, especially when you get right down to buying or selling a home in Upland, CA. So, the following information is totally LOCAL Real Estate activity and only for Upland, CA in August, 2014. This can be broken down even further to the neighborhood level, so call me and I'll be happy to help you get the numbers you need. UPLAND IN A NUTSHELL Active listings fell off some (about 4%) as did closed sales (about 8%). Together these can account for the increase in available home inventory for the month. Upland's average selling price increased 5.2%, primarily because the average square foot... 09/08/2014

Here's an Upland Reverse Mortgage Story.     I'm so excited to be helping a wonderful lady in Upland right now.  She’s lived in her home just 22 blocks from the Euclid Avenue "Ye Bridle Path" for over 25 years. In 2003 her and her husband refinanced their home. Then just a few years later her husband passed away. Not only did she lose him, but she lost his income adding to the devastation. She found it very difficult to keep up with expenses. Suffering with a chronic disease she was unable to continue working adding additional pressure to her budget.  A family member who is a knowledgeable real estate broker advised her to look into a reverse mortgage and gave her my number.   Luckily for her the home values in Upland have appreciated quite a bit since she bought in the 80’s and her cur... 05/14/2014

You Don't KNOW THE MARKET If You Don't Know The NUMBERS - Upland, CA. By: Brad Rachielles, Realtor I "run the numbers" for my service area every month. April, 2014 saw very little change from the prior month. Home inventories were down some. Even though the National Association of Realtors is indication National Inventory levels of 5.2 months, Upland fell back to 1.7 months. That is significantly better than April, 2013 when we were at o.9 months. Active listings fell but "Closed Sales" Doubled. The good news is that there are ready, willing and able buyers out there and they are buying up properties faster than sellers are convinced that they can sell their home. Sometimes, things are not what they seem. While it looked like prices were declining, a closer look revealed that the proper... 05/01/2014

Coldwell Banker Upland CA - REALTORS Upland CA - Upland Realty Are you buying or selling a Upland home? When hiring a Upland REALTOR make sure you use an agent with experience, and works for a trusted name, like Coldwell Banker, in Upland, California. We are Todd and Devona Garrigus, Garrigus Real Estate, and we work under the trusted Coldwell Banker Kivett-Teeters brokerage that has been serving the Southern California area for decades. If you're buying or selling a Upland house, we have extensive experience in short sales, standard sales, foreclosures, and home purchasing. We can help you avoid the many pitfalls of selling, and help you find the right home and deal when buying. Give us a call and interview us to see if we are the right Upland CA real estate agents for you! -----------... 04/17/2014

UPLAND, CA - Single Family Residential Market Report for January, 2014 By Brad Rachielles. January, 2014 was greatly anticipated in the real estate circles in the Upland, CA area to see if the four month decline would bounce back to the increase column. That may tend to indicate that the declines were more seasonal than economically driven. As predicted by some, both the Upland Average Selling Price AND the Average Square Foot Price did reverse their slide and are again up from the prior month. The average selling price is up 9.6% from this month last year. Square foot pricing is up 17.6% from January, 2013. Of course, one month does not set a trend, but it is encouraging to sellers. Not specifically covered here are mortgage interest rates seen in the last couple of weeks. Buyers are e... 02/07/2014

The Pepperdale Townhome Community in Upland CA contains 2-and 3-bedroom townhomes near downtown Upland and a MetroRail station, with easy access to the 10 Freeway. Residents can enjoy the centrally located pool and spa in the Pepperdale Townhome Community in Upland CA as well as open green spaces. Beautifully maintained mature landscaping lines the walkways. The 2-story Pepperdale Townhome Community in Upland CA includes homes with downstairs master bedrooms and detached garages. View the virtual tour for 435 W. 9th St. #E7. For more information about the Pepperdale Townhome Community in Upland CA, and to view an available unit, visit www.jimandila.com. 11/21/2013

Market Report - Upland, CA - October, 2013   By Brad Rachielles. October, 2013 has some changes in the real estate market in Upland, CA. Average Selling Prices continue to climb generally with average selling prices up 19.2% from October, 2012 (although this also reflects an increase in the average size of the homes purchased). Square foot pricing is still up 23% from October, 2012.   While interest rates have taken a dip in the past several weeks, some lenders indicate that rates are up this last week. They are still at very attractive levels..   The Community   Upland's strength is in our community feeling, great schools, rapidly expanding shopping and access to the major metro areas through our interstates and trains.   Picture-like mountain backdrops and green landscaping, Upland is... 11/06/2013

Search Upland CA Homes For Sale Now Are you searching for homes for sale in the Upland area? With the way the market is and the high competition among Upland home buyers its getting harder to find a Upland home to buy. We are Upland CA REALTORS and we've developed an easy, yet effective portal for Upland home buyers to us to find active and available Upland homes for sale. Just click on the link below to access all up-to-date and current Upland homes for sale: Upland CA Homes For Sale If you require any assistance please feel free to call us anytime: Call: (888) 9-List-It That's: (888) 954-7848 11/05/2013

If you're considering buying or selling Upland real estate in today's challenging market, be sure you hire a Upland professional with the skill, experience and competence to help you acheive your transaction goals. Upland Real Estate Agents We handle many aspects of Upland real estate, from Upland standard sales to Upland short sales, Upland foreclosures and even Upland commercial real estate, let us put our skill-set to work for you to buy or sell your upland real estate. To get a good feel for the type of agents we are click through the link above and check us out. And be sure to review our Garrigus Real Estate Guarantee- look for the like at the top right corner of the website. Call us now and let's talk about how we can help you with your Upland real estate needs: ----------- Call N... 10/18/2013

A Condo For Sale good for a couple start to build a family located at Redding Way Unit Upland CA with 4 bedroom homes. It is a nice place to stay so grab it now! and enjoy the beautiful scenery of this place. 912 N. Redding Way Unit D Upland, CA 91786 912 N. Redding way Unit D ,Upland CA 91786 Price : $320,000.00 Bedrooms : 4 Bathrooms : 3.0 Square Foot : 1,746 Lot Size : 1,683 sq.ft. County : San Bernardino Property Type : Single Family Year Built : 1980 click for more information and pictures Property Description Prestigious Upland, California Location , Spacious 1980's desirable END UNIT TOWNHOME with 4 bedrooms and 3 baths. 1746 sq. ft. of living space, two outdoor patios and 2 car attached garage with laundry. Interior offers fresh paint carpet with nice ceramic tile in Kitchen an... 08/19/2013

The days of "liar loans" and loan approvals based on not much more than a heartbeat are long gone, but the fallout from the housing crisis is far from over. While homebuyers and homeowners may be focused most on their own ability to finance a home, the federal government and real estate policy experts continue to discuss reforming the nation's home financing system. Compare Mortgage Rates in Your Area Though not every proposed reform will have a direct impact on consumers, initiatives in five key areas are likely to change mortgage financing in the future.   These areas are the unfinished business of mortgage reform.    Winding down Fannie Mae and Freddie Mac.    Creation of a common securitization platform.    Reform of the compensation system for mortgage servicers.    Revision of ke... 08/12/2013

Short Sale Agents in Upland Short Sale Agents in Upland CA arrange with mortgage lenders to agree to accept a mortgage payoff that falls short of the balance that is owed by a borrower. In other words, a bank agrees to accept less than what is owed on a borrower's mortgage. Foreclosure is avoided through the Upland CA short sale process, which is the primary goal so that the borrower's credit is not severely damaged as it would be through a foreclosure. If a foreclosure is imminent, a Upland CA short sale can help soften the blow. A foreclosure can seriously affect an individual's credit and financial future. As a result, and because of the stress that the foreclosure process can cause, most Upland homeowners are willing to consider just about any alternative. When facing foreclosure, t... 07/02/2013

We are Upland CA REALTORS and we can help you in this difficult time. Upland short sales are declining as the real estate market stabilizes, but that doesn't mean a short sale process can't help you if you are struggling to make payments or if you've endured a hardship like losing a job or loss of income or unforeseen medical bills. Upland real estate consists of many short sales, and we have helped numerous distressed home owners unload that cumbersome mortgage and regain control of their financial future Are you: Underwater on that Upland home? Struggling to make large mortgage payments? Realizing that the home is not worth what you owe? If you need advice about how the Upland short sale process is handled call us and let's talk. We have worked with many banks, situations and through ... 06/25/2013