Welcome to
Nicky's Neighborhood News!
The top 3 questions asked on the internet about the housing market are:
1 When is the house market going to crash?
2 Why is the market so hot?
3 How much over asking price should I ask?

This email should answer these questions.
The Truths Young Home Buyers Need to Hear
For many young or first-time homebuyers, purchasing a home can feel intimidating. A recent survey shows some homebuyers ages 25 to 40 may be unsure about the homebuying process and what they can afford. It found:
  • “1 in 4 underestimated their buying potential by $150k or more”
  • “1 in 4 underestimated the increase in value by $100k or more”
  • “47% don’t know what a good interest rate is”
Because they feel uncertain, many young homebuyers have given up on their search, or worse, they’ve decided homebuying isn’t for them and never started on their journey to begin with. Read More
Here’s How These First-Time Home Buyers Are Making It Happen in California

“California has everything that makes life fun, interesting, and enriching,” reports Chris Hauty, a screenwriter and novelist who, after a decade of renting, recently became a homeowner in Southern California’s Chevy Chase canyon. For Chris and buyers like him, who’ve long dreamed of owning a home in the Golden State, REALTORS® are helping them make it happen. We checked in with a few of them to hear more about their home buying process and the pro tips they picked up from their REALTORS® along the way.
“We’d love to find a home with more rooms and a yard for our kid,” report Jorge Del Pinal and Leyla Tirgari. The couple, along with their young son, Cyrus, are certainly not alone in their hunt for a new home in Southern California’s ultra-competitive housing market. They’re currently in the thick of their house hunt in and around Southeast Los Angeles, scanning listings daily, while also utilizing online tools to keep abreast of an ever-changing market with the diligence required to become a homeowner.
The couple is optimistic, spurred by the help of an expert agent, fixed-mortgage interest rates at historical lows, and of course, the dreams of homeownership in a state promising a wide definition of the good life.
“We love Los Angeles and California because of the variety of experiences uniquely available here,” says Jorge, “The state has so many beautiful places to explore, and the homes here have yards you can actually use and enjoy for most of the year.” Read More

Vendor Referral of the Month

Lynette C. Coleman
Mortgage Advisor
NMLS 326542
2211 Encinitas Blvd., Suite 218Encinitas, CA 
phone:(760) 644-3206 
fax:(760) 374‑5444

Decorating Tip of the Month!
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First time buyers, buy what ever you can afford, just get your foot in the door.

Live in the payment not price.

If you cant decide what to do or what you can afford, call Lynette (Vendor of the Month) and ask if the house is 500K at 3% what is the payment, say the price drops to 450k and the interest is 5% what is the payment? This should let you know if you can afford to buy or to wait.

Call me for help, always here for you.