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Free Community Reports

Nov 12th Guest: Richard “Dick” Dowd–Long time Engineer and Development Expert

Proud to hav e long time Engineer, developer and community mover and shaker Richard “Dick” Dowd to the show this Sunday. […]

Weekly Interest Rate update, Courtesy of Otto Kobler of Summit Funding

Mortgage Rates for March 11, 2016

FIXED AND ARM CONVENTIONAL PROGRAMS RATE         APR 30 Year Fixed Conventional 3.875%      4.040% 15 Year Fixed Conventional 3.125%      3.265% 5/1 LIBOR ARM Conventional 3.875%      3.963% 7/1 LIBOR ARM Conventional 3.750%      3.803% ———————- JUMBO PROGRAMS ($417k +) RATE          APR 30 Year […]

Unique Property? Unique Situation? You Need Unique Financing – Chances are Jennifer Foster, Umpqua Loan Officer, can do that Loan!!

Umpqua’s loan products include; unusual properties, portfolio lending and re-hab and construction loans. This is just one of the extras we at The Kelly-NormanTeam offer our home sellers and buyers. We think outside the box to find solutions…and, so does our guest, Umpqua Bank loan officer, Jennifer Foster. […]

WHY do we have 70 year lows in interest rates?

The yield on the 10 year treasury is ONE reason. 1.81%! If you think that’s low then understand Germany, stalwart of the Euro-zone economy, yield a paltry 0.32% and Japan? Forgetaboutit! 0.23%!

On Today’s Show – County Clerk, Recorder, Assessor, Bill Rousseau: Sonoma County Property Tax Assessments 2014, The Good and the Bad News, and The Appeal Process….

On today’s show we’ll be talking about the good (Home Equity is up) and the bad (Property Taxes are up) …and discussing the Sonoma County appeals process if you feel your property’s assessed value is off.

Not sure what your assessed value is? http://www.sonoma-county.org/assessor/SearchRoll.htm

Don’t agree with your Assessed Value? http://sonomacounty.ca.gov/Board-of-Supervisors/Services/Assessment-Appeals/

In California, Proposition 13 […]

Mike Kelly’s Press Democrat Columns PLUS the latest on “Affordabiity in the Bay Area”

I’ve put together all of my popular Press Democrat real estate columns into one “Drop Box” folder including my latest on the real estate “Affordability” issue.

Lack of Affordability means a shrinking Real Estate Dollar!

Many think our affordability has disappeared by looking at the long-term average in California we are about “average”. Now […]

New Loan Regulations–Is this GOOD or BAD for the Real Estate Market?

Join us as show favorite, Otto Kobler, of Summit Funding, explains the new Lender regulations which went into effect on January 10th of this year. Sonoma County, California real estate home prices surged, buyers are IN the market but inventory remains scarce. Question to Otto–are these new regulations

Join us as we discuss the […]

Why WAITING for 3.5% is FOLLY and Financially Naive.

The link below will take you to a Fannie Mae history of 30 year fixed rate loans. The reason I’m bringing HISTORY into the argument of lower interest rates is to show Buyers and Sellers why NOT to “wait it out”. These folks mistakenly think they will see 3.5% again.  It is wise to  understand the […]

Sonoma County,Ca-July Sales -5% over last year-BUT!

That’s the headline–Monthly Sales DOWN–market must be cooling? Sluggish? But look closer–break out the sales by price point and it is a dramatically DIFFERENT STORY! See the following graphs:

Overall Sales for Sonoma County

As you can see by the above graph OVERALL Sales for Sonoma County -5%. BUT–let’s dig deeper and drill down […]

Sonoma County Real Estate Market Update–First 6 months Review!

The “Wine Country” real estate market has many “micro” areas from the blistering hot demand and sales town of Sonoma with its idyllic town square, to the SW area of Santa Rosa which is seeing price recovery slower than any area in Sonoma County. I’ve taken the first six months of this year […]