Ladera Ranch Real Estate Blog

Ladera Ranch Lender - Fed Raising Rates

Tuesday, June 27th, 2017 at 1:59pm. 8 Views, 0 Comments.

The Fed raised policy rates by 0.25% as expected at last week's FOMC meeting. Interestingly enough, the Fed doesn’t control mortgage rates so we actually saw rates improve slightly. Inflation rates that were released last week came in under the expected level. This provides an environment for mortgage rates to remain low as well. The majority of Fed members indicated that they expect policy rates to increase again this year, but markets have been slow to react. In housing news, the number of homes on the market fell 10.9% year-over-year (meaning that the event occurs on an annual basis), that makes June the 20th month of year-over-year declines. Interestingly, sales increased 7.5% on a nationwide scale. More than 25% of homes listed are being sold for

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Covenant Hills Ladera Ranch Luxury Home Auction 6/28/17

Tuesday, June 20th, 2017 at 1:29pm. 24 Views, 0 Comments.

Recently a home in the gated community of Covenant Hills in Ladera Ranch has come up for sale as an auction. Auction sales are relatively rare in Ladera Ranch and Orange County, making up less than 1% of sales. Auctions can be a good chance to purchase a property under it's fair market value. The home at 12 Starlight Isle in Covenant Hills will be auctioned on 6/28/17 with a starting bid of $1,200,000. There is also NO RESERVE for this auction. The live auction will take place at the residence and showings beforehand will only be allowed at an open house. The open house is scheduled for June 25th from 10am - 1pm. Potential buyers will need to have a verification of funds as well as a loan preapproval in hand if the purchase isn't all cash. Contact us today…

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Baker Ranch Lake Forest New Homes for Sale

Friday, June 16th, 2017 at 1:28pm. 21 Views, 0 Comments.

Baker Ranch is a new home builder community by Toll Brothers and Shea Homes in the heart of Lake Forest. Homes at Baker Ranch feature the newest and most innovative open floor plans and are considered highly desirable. Homes in the community feature indoor/outdoor living areas, and Baker Ranch has a variety of home sizes. Toll Brothers® has Highlands East—spacious, luxurious single-family homes with 4–7 bedrooms and detached casitas. Another Toll Brothers community is The Crossings, centrally located single-family homes with 4–5 bedrooms, 3 baths and up to 2,412 square feet. Shea Homes® has The Landing: single-family homes of 3–4 bedrooms, 2.5–4 baths and up to 2,017 square feet of living space. That’s in addition to The Rowe: two-story townhomes with

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Ladera Ranch Real Estate Market Update 6/7/17

Wednesday, June 7th, 2017 at 12:47pm. 34 Views, 0 Comments.

In Ladera Ranch there are 109 homes for sale right now up a little from 95 homes two months ago. 80 of the homes for sale are single family residences, 14 are condominiums, and 14 are townhomes. Out of the 109 homes for sale 106 of them are standard sale or equity sales, there is 1 short sale, 1 auction sale, and 1 bank owned home. The home inventory has continued to increase in the last few months and is getting closer to average. Around 72% of the homes for sale in Ladera Ranch are listed for $700,000 and above right now. Most real estate agents and market researchers are estimating price increases of 2-4% in 2017. Home loan rates have decreased slightly in the last month. The average rate for a 30-year fixed mortgage has increased to around 4.00 -

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South Cove Condo Models Open - New Dana Point Homes

Tuesday, May 30th, 2017 at 10:24am. 45 Views, 0 Comments.

South Cove is a new condo community currently under construction near Doheny State Beach in Dana Point. South Cove is a collection of 34 buildings which will feature 3 models of condo/townhomes. The 3 models 'Aliso', 'Trestles', and 'Strands' are named after local beaches in Dana Point and San Clemente. The condos offer both single level and multi level floor plans than range in size from 883 - 2,126 square feet of living space. Prices are currently ranging from $600,000 for smaller condos up to $1,500,000 for the larger 'Strands' models. The 'Strands' models are similar to duplex's in that they only have 1 common wall down the middle of the property separating two units. The community is located close to Dana Point harbor and Doheny State Beach and is

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Ladera Ranch Lender | Home Loan Rates Are Stable

Monday, May 15th, 2017 at 12:09pm. 38 Views, 0 Comments.

We are starting the month of May with rates being about the same as the previous month, indicating a relatively low rate volatility. Inflation at the wholesale level, rose .5% in April and is up 2.5% for the last 12 months, which is pressuring future rates to rise. The Fed is expected to raise policy rates again at their June FOMC meeting. Raising rates will help keep inflation in check at the Fed’s target of 2%. Rates may be pressured to go even higher with the speculation that the Fed may raise the rates again in September. Traders are preparing for the hike. 


In housing news, five of six components that measure buying confidence were up month-over-month. 49% of those that do not own a home expect to purchase one in the next 5 years. 10% say

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Ladera Ranch Environmentally Friendly Green Homes

Tuesday, April 25th, 2017 at 2:41pm. 86 Views, 0 Comments.

Recently Ladera Ranch was ranked in the top 10 cities nationally for green or environmentally friendly homes. Ladera Ranch came in as the 6th greenest neighborhood Redfin data scientists discovered. To find out which U.S. neighborhoods are leading the way in sustainable living this year, Redfin data scientists analyzed real estate listings for all the home markets that mentioned one or more “green” features like “energy star,” “LEED,” “solar,” “green built,” etc. The 10 neighborhoods with the highest percentage of green homes earned a spot in the ranking, with Main Line in Philadelphia, Pennsylvania, topping the list.

The analysis also revealed that homeowners with green amenities will make more money and have their home sold faster than

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Ladera Ranch Lender | Loan Rates Update

Tuesday, April 11th, 2017 at 1:18pm. 51 Views, 0 Comments.

March has certainly been an eventful month for the economy and housing market. We saw that the Fed raised policy rates at the beginning of March, which helped tame inflation. The Fed also forecasted future increases, which helped tame inflation (which has been rising lately). Inflation is a big factor in increasing future mortgage rates. Late March showed the biggest one day loss in the stock market since Novembers election. Therefore, bonds benefited, helping mortgage rates. Consumer confidence rose to a 16 year high in March, supported by a strong labor market. Current job data is showing low unemployment and continued job growth, accounting for the strong market. 


Home prices appreciated by 1% in February and 7% year-over-year. CoreLogic

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Ladera Ranch Real Estate Market Update 4/5/17

Wednesday, April 5th, 2017 at 2:15pm. 49 Views, 0 Comments.

In Ladera Ranch there are 95 homes for sale right now up from the very low 66 homes two months ago. 73 of the homes for sale are single family residences, 16 are condominiums, and 6 are townhomes. Out of the 95 homes for sale all of them are standard sale or equity sales, there is no short sale, and no bank owned homes. The home inventory has began to increase in the last few months but remains lower than average. Nearly 75% of the homes for sale in Ladera Ranch are listed for $700,000 and above right now. Most real estate agents and market researchers are estimating price increases of 2-4% in 2017. Home loan rates have slightly gone up again over the last 2-3 months. The average rate for a 30-year fixed mortgage has increased to around 4.20 - 4.25% 

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Ladera Ranch Real Estate Mello Roos Taxes

Wednesday, March 15th, 2017 at 1:26pm. 185 Views, 0 Comments.

If you're looking to purchase a property in the master planned community of Ladera Ranch you should know this community has Mello Roos taxes. Mello Roos taxes are an additional tax to pay for infrastructure of new communities. That infrastructure includes Parks, Greenbelts, Schools, Police and Fire Stations, Recreation Centers, as-well-as basic infrastructure like sewers and gas lines. The basic California real estate tax is calculated by 1.01% of the purchase price of the home. So if you were to buy a home in California for $500,000 then you would be paying approximant $5,005 per year in taxes. Mello Roos taxes are different because they aren't calculated by a percentage of the purchase price. They're calculated be the size of the home and the lot. The

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