Ladera Ranch Real Estate Blog

Ladera Ranch Lender | Current Home Loan Rates

Wednesday, October 11th, 2017 at 2:23pm. 11 Views, 0 Comments.

Lending Market News:

Stock markets are once again hitting record highs, increasing traders’ risk appetite. The strong equity markets can slow down improvements in mortgage rates. On that same token, President Trump recently released his plan for a tax reform that is expected to stimulate economic growth. As a result, increasing mortgage rates. The economy grew slightly faster than anticipated in the 2nd quarter, with a GDP of 3.1%. Consumer spending was also strong for the 2nd quarter. Federal Reserve officials see the economy developing at a steady pace. Indicating that a rate hike later this year is highly likely. 


Housing News: 

Home prices are still on the rise with Case-Shiller reporting increases of 5.9% in July. Strong demand and

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Ladera Ranch Real Estate Market Update 10/6/17

Friday, October 6th, 2017 at 1:00pm. 16 Views, 0 Comments.

In Ladera Ranch there are 108 homes for sale right now down from 121 homes two months ago. 80 of the homes for sale are single family residences, 24 are condominiums, and 4 are townhomes. Out of the 108 homes for sale 105 of them are standard sale or equity sales, there are no short sales, and 3 bank owned homes. The home inventory has again decreased in the last couple months which is typical for this time of the year going into fall. Around 75% of the homes for sale in Ladera Ranch are listed for $700,000 and above right now. This year in Ladera Ranch home values have increased around 5-7%. Home loan rates have again decreased slightly in the last month. The average rate for a 30-year fixed mortgage has remained flat around 3.95 - 4.00% which is an

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Bank Owned Ladera Ranch Homes for Sale

Monday, September 18th, 2017 at 11:52am. 81 Views, 0 Comments.

Believe it or not there are still bank owned homes still coming on the market for sale in Ladera Ranch. A bank owned home is a home that's been foreclosed on because the owner has missed mortgage loan payments or stopped payments altogether. The lender/bank then repossesses the home to sell it in order to recoup the money it's lost from the home loan/mortgage. When the real estate market crisis hit in 2008 we started seeing a flood of bank owned home sales which was then followed by short sales. The real estate market in Ladera Ranch and southern California as a whole has completely rebounded since those tough days. Most home owners have equity in their properties again but there is still an occasional bank owned/foreclosure home coming on the market. So

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Ladera Ranch Lender | Home Loan Rates

Tuesday, August 29th, 2017 at 10:04am. 51 Views, 0 Comments.

Central bankers from around the world are meeting this week for the Jackson Hole Symposium. Markets will be looking for signs of likely policy changes. Little economic news this week coupled with low trading volume left markets quiet. This climate has helped keep mortgage rates stable. Despite labor markets strength, low inflation remains an issue. Speculation is the Fed cannot raise rates again this year unless inflation rises to around 2%. New home sales were unusually lower for July, down 9.4% from June. July’s sales were a 7-month low and caused some concerns about the housing market. However, it should be noted that May and June numbers were revised higher. Median new home prices were up 6.3% over last year. Inventory of new homes rose 1.5% last

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Should You Hire An Agent to Purchase A New Builder Home?

Monday, August 21st, 2017 at 1:05pm. 46 Views, 0 Comments.

New construction has accounted for 30-35% of the sales so far this year in Orange County. Many buyers are choosing to purchase a new home instead of a re-sale home for numerous reasons. When purchasing a new home buyers get to decide how they want to design the home with upgrades and custom features. When purchasing a new home buyers don't need to worry about termite damage, home inspections, possible repairs, deferred maintenance, and negotiating prices and terms. Most builders also offer warranties for up to 10 years incase anything breaks is needs repair. Not to mention you get to move into a brand new home that's never been lived in.

But did you know that you can have a realtor represent you with the home purchase even though you're purchasing the

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3 Ladera Ranch Homes for Sale Right Now - Market Snapshot

Tuesday, August 8th, 2017 at 1:00pm. 92 Views, 0 Comments.

Have you been wondering what homes are for sale in Ladera Ranch or what you might be able to buy for your hard earned dollars? Prices have got up a little this year but there are still great homes to be found in Ladera Ranch. Let's take a look at a few properties currently for sale right now in Ladera Ranch in the different price ranges. We will look at 3 properties currently for sale in Ladera Ranch at price ranges of $500,000; $750,000; and $1,000,000.

The first property for sale for $500,000 is 18 Three Vines Court, Ladera Ranch. The property is a townhome with 3 bedrooms, 2 1/2 baths, and an estimated 1,400 square feet of living space. The home was built in 2001, is located in the Three Vines neighborhood and has a 2 car garage. It's a standard

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Ladera Ranch Real Estate Market Update 8/1/17

Tuesday, August 1st, 2017 at 12:35pm. 91 Views, 0 Comments.

In Ladera Ranch there are 121 homes for sale right now up again from 109 homes two months ago. 89 of the homes for sale are single family residences, 16 are condominiums, 15 are townhomes, and there is 1 commercial/residential mixed used property. Out of the 121 homes for sale 119 of them are standard sale or equity sales, there are no short sales, and 2 bank owned homes. The home inventory has again increased slightly in the last couple months and is getting closer to average. Around 70% of the homes for sale in Ladera Ranch are listed for $700,000 and above right now. Most real estate agents and market researchers were estimating price increases of 2-4% in 2017. That has been proven too conservative of an estimate as most homes in Orange County have

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Ladera Ranch Gated Community Homes

Wednesday, July 19th, 2017 at 3:09pm. 79 Views, 0 Comments.

The gated community in Ladera Ranch is named Covenant Hills. Right now there are 46 active homes currently for sale in Covenant Hills. There are 16 homes currently in escrow with 'active under contract or pending sale' statuses. The average list price in Covenant Hills right now is $2,336,128. The average days on market for the gated community is currently 89 days before opening escrow. The least expensive home currently for sale is $1,200,000 and the most expensive is $4,739,000.

Last year there were 69 sales in Covenant Hills. 8 of those sales were the condo/townhomes in the Castellina neighborhood of Covenant Hills with 61 sales being single family residences. The two most expensive sales in Covenant Hills were the homes at 5 Fox Hole Road and 62

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Ladera Ranch Land for Sale

Thursday, July 13th, 2017 at 2:10pm. 68 Views, 0 Comments.

There are some great land lots for sale in Ladera Ranch. All of the available land is located in Covenant Hills which is the gated community of Ladera Ranch. All of the land available is zoned as R1, meaning you can only build a Single Family Residence. Buying land is a great option for buyers looking to build a brand new custom home. Land lots in the community range in size from 8,000 to 22,000 square feet. A general rule of thumb for how large a home you can build on these lots is a 2/3 ratio. So the home's foot print can encompass 2/3rds of the land. Once land is purchased building plans have to be approved by LARCS (Ladera Ranch Community Services). The total process is estimated to take about 6 months for complete approval. See the land lots in

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Ladera Ranch Lender - Current Loan Rates

Tuesday, July 11th, 2017 at 12:44pm. 85 Views, 0 Comments.

The minutes from last months FOMC meeting showed that the Fed is open to raising the rates at least once more this year. It also showed that balance-sheet adjustment will start soon (decreasing the amount they invest in mortgage backed securities). The European Central Bank may reduce economic stimulus soon, which could raise rates here in the United States. The labor market is nearing full employment, thus showing signs of cooling down. 


A report from CoreLogic shows home prices were up 6.6% yet-over-year in May. They are forecasting another 5.3% increase from May 2017 to May 2018. Surprisingly, in a survey of 3,350 homebuyers (11 metro areas) 1 in 3 made an offer on a property they had not yet seen. 


Conforming 30 year fixed 4.375%

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