Real Estate Housing Market – Oh, It Is Just Back to Normal – Yea, Right!

“It’s just back to normal’, “Just a seasonal slow-down’, “A normal minor adjustment’, “A great time to buy, with a much wider selection’, “A cooling market’”, “A soft landing”, “A slight tapering off” etc. Yes, these P.C. phrases are now replacing the “We should have a strong market for the foreseeable future” industry line prevalent just a few short months ago.The sad fact is people are still in self-denial here. We’re “special” because of our weather. We are known as America’s Finest City after all. It’s still common to hear someone say, “If you don’t buy now, you’re going to get priced out of the market!”Talk about your irrational exuberance in the Southern California real estate market. In a 2004 summer poll in the LA area, residents believed prices would continue to go up by more than 20% a year for another decade!What will be the industry P.C. phrases we’ll be hearing in about six to nine months? “It may well go as: “This home is a great buy, why just nine months ago you would have paid $25,000+ more…what a great savings.” Naturally, you would be talking to a buyer. For a seller (who has owned for some years) you might say: “Well, you are still making a profit. Who could have even known that the market would have turned down so fast?” For the downtown high-rise buyer who though they got a real deal on the final phase of their Gas Lamp digs, a real estate agent may be saying: “Well, because the resale value is actually below your 100% interest only trust deed, you really should consult a real estate attorney and/or meet with your lender to propose they accept your deed in lieu of foreclosure”.Are you reading this and thinking I’m way off base? Here are a few recent headlines:National Association of Realtors reports, in part: Total existing-home sales – including single-family, town homes, condominiums and co-ops – were down 5.7 percent in December from November.Time Magazine reports that ‘Vegas Condos Go Cold.”The Washington Post reports “Real estate groups in the Washington area have also reported declines to varying degrees.”"The bloom is definitely off the housing rose. Housing peaked last summer and has been weakening ever since,” said Mark Zandi, chief economist at Moody’s Economy.com.New York City Mayor Michael Bloomberg recently said the real estate market was slowing “dramatically” and only a “miracle” could stop soaring mortgage rates from eating into housing prices. “The real estate market is slowing down dramatically and we’re going to have a problem down the road,” Bloomberg said.”If people who want to sell their houses have to wait a longer time before someone comes along and buys it, it would be a miracle if prices didn’t start to go down,” he said.”‘The market has definitely peaked,’ said Jack Kyser, chief economist with the L.A. County Economic Development Corp. ‘The fever has broken and now the question people are asking themselves is if there is a crash ahead.’”This is my own opinion on a realistic view of what lies ahead as far as the San Diego real estate market: A multi-year depreciation that could easily take 30% off the highs which reached this market’s peak during the summer of 2005! Plus, I foresee headlines, maybe even national, announcing how the San Diego high-rise downtown boom has turned into a foreclosure city!As a realistic San Diego Realtor, I provide these facts to my sellers. If their property is not generating meaningful activity within the first month of being listed, it would be prudent to consider a revised marketing plan similar to what many San Diego real estate developers are doing. This would be a combination of value-range reduction as well as agent and buyer incentives to position the property as the best total value for the area.I think as Realtors we must adapt and not deny. To otherwise will have a dramatic impact on your financial health and community reputationCopyright 2006 – http://www.websitetrafficbuilders.com All rights reserved. any additions/modifications/hyperlinks added to this article will be considered a copyright violation & subject to immediate legal action without further notice.
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Finance Debt Consolidation – Move Ahead of Debts

Are you deep under debt burden? Unable to find a solution but are willing to scrap all piled up debts immediately? Then finance debt consolidation can take you out from this murky situation.

Finance debt consolidation helps you merge all your outstanding high interest and other debts into a single loan. The new loan is provided at lower rates to reduce your debt burden. This may be financed by one of your previous multiple lenders or a new lender.

Finance debt consolidation helps you easily scrap your outstanding debts within short time period. Also the monthly installments are low and have to be paid to new lenders and not to your multiple previous lenders. Your accountability to a single lender reduces your burden and mental anguish. The finance debt consolidation is easier to manage and afford.

The loan amount of finance debt consolidation depends on your outstanding debts, mortgages and other pending expenses. Also you are approved an amount after verifying your repaying potential, annual income and financial stability. It is advised to borrow an amount that you can afford to repay. The interest and term of repayment generally

Finance debt consolidation saves you from harassing calls of previous lenders. By opting for finance debt consolidation you can improve your impaired credit history also. It is a slow process as when the consolidation program completes and all the debts are settled then your scores show up positive in your credit record.

Finance debt consolidation can be applied online and offline. Online is quickest and less time consuming. Also you can find a deal at competitive rates with affordable conditions but you will have to do little research work for this. So what else could you ask for! Apply by filling a simple online form and get started immediately.

Finance debt consolidation is a stable solution for those who are deep under debt burden. It gives you an opportunity to quickly scrap off all your debts and become debt free.

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