[recordsclerk]

Last week I asked them about the prime rate HELOC and it was at 6%. I told them that prime is at 5.25%. He insisted that they get their prime rate from the wall street journal and it is 6%. I checked with the wall street journal prime rate and it is 5.25%. Are they just behind by a month or are they using a different prime then most banks? I bank with SDCCU and applied for a HELOC with WAMU because they are offering prime-.25% (which is 5%). You have to check SDCCU weekly/monthly specials for home loans. The specials are always better then their current rates.

[recordsclerk]

Last week I asked them about the prime rate HELOC and it was at 6%. I told them that prime is at 5.25%. He insisted that they get their prime rate from the wall street journal and it is 6%. I checked with the wall street journal prime rate and it is 5.25%. Are they just behind by a month or are they using a different prime then most banks? I bank with SDCCU and applied for a HELOC with WAMU because they are offering prime-.25% (which is 5%). You have to check SDCCU weekly/monthly specials for home loans. The specials are always better then their current rates.

[recordsclerk]

SD Realtor,

What does that mean that the HOA is not solvent? Thanks for your comments. I appreciate the information you provide to this site. You are a piggington asset.

[recordsclerk]

SD Realtor,

What does that mean that the HOA is not solvent? Thanks for your comments. I appreciate the information you provide to this site. You are a piggington asset.

[recordsclerk]

SD Realtor,

What does that mean that the HOA is not solvent? Thanks for your comments. I appreciate the information you provide to this site. You are a piggington asset.

[recordsclerk]

SD Realtor,

What does that mean that the HOA is not solvent? Thanks for your comments. I appreciate the information you provide to this site. You are a piggington asset.

[recordsclerk]

SD Realtor,

What does that mean that the HOA is not solvent? Thanks for your comments. I appreciate the information you provide to this site. You are a piggington asset.

[recordsclerk]

There was a similar bank owned home listed for 849K and must have just gone pending since I don’t see it listed anymore. Someone with MLS access might be able to get the address and date it went pending. The 849K house was listed for a long time at that price, so I don’t see this 800K property going for much more then 850K unless it is far superior to the 849K home.

[recordsclerk]

There was a similar bank owned home listed for 849K and must have just gone pending since I don’t see it listed anymore. Someone with MLS access might be able to get the address and date it went pending. The 849K house was listed for a long time at that price, so I don’t see this 800K property going for much more then 850K unless it is far superior to the 849K home.

[recordsclerk]

There was a similar bank owned home listed for 849K and must have just gone pending since I don’t see it listed anymore. Someone with MLS access might be able to get the address and date it went pending. The 849K house was listed for a long time at that price, so I don’t see this 800K property going for much more then 850K unless it is far superior to the 849K home.

[recordsclerk]

There was a similar bank owned home listed for 849K and must have just gone pending since I don’t see it listed anymore. Someone with MLS access might be able to get the address and date it went pending. The 849K house was listed for a long time at that price, so I don’t see this 800K property going for much more then 850K unless it is far superior to the 849K home.

[recordsclerk]

There was a similar bank owned home listed for 849K and must have just gone pending since I don’t see it listed anymore. Someone with MLS access might be able to get the address and date it went pending. The 849K house was listed for a long time at that price, so I don’t see this 800K property going for much more then 850K unless it is far superior to the 849K home.

[recordsclerk]

Bane,
Assuming that you have great taste and have been following your segment of the market carefully, you will find this happening everytime you find a house you want to buy. Although there are lots of homes for sale only a precious few will have an attractive price for product. You may find homes priced very well but will need some work. Then there are those that are prefect but over priced. It’s when you combine both when you’ve truely found a nice house for the price. This happens in the lower, middle, upper end of the market. My only advice would be to have patience and your pricepoint for the product that you want will eventually come together. For now what you want for 450K is too good of a buy, but eventually it will be an everyday occurance. The bad part about that is you will probably want more for 450K at that point. Almost every home that I have looked at and liked for the price has either sold at/or above listing or has gone pending.
I too think the market has further to correct, but I believe the areas that have fallen the most will have less to correct. I don’t think that those areas will stop falling earlier, but just will correct less percentage wise from this point on.

[recordsclerk]

Bane,
Assuming that you have great taste and have been following your segment of the market carefully, you will find this happening everytime you find a house you want to buy. Although there are lots of homes for sale only a precious few will have an attractive price for product. You may find homes priced very well but will need some work. Then there are those that are prefect but over priced. It’s when you combine both when you’ve truely found a nice house for the price. This happens in the lower, middle, upper end of the market. My only advice would be to have patience and your pricepoint for the product that you want will eventually come together. For now what you want for 450K is too good of a buy, but eventually it will be an everyday occurance. The bad part about that is you will probably want more for 450K at that point. Almost every home that I have looked at and liked for the price has either sold at/or above listing or has gone pending.
I too think the market has further to correct, but I believe the areas that have fallen the most will have less to correct. I don’t think that those areas will stop falling earlier, but just will correct less percentage wise from this point on.

[recordsclerk]

Bane,
Assuming that you have great taste and have been following your segment of the market carefully, you will find this happening everytime you find a house you want to buy. Although there are lots of homes for sale only a precious few will have an attractive price for product. You may find homes priced very well but will need some work. Then there are those that are prefect but over priced. It’s when you combine both when you’ve truely found a nice house for the price. This happens in the lower, middle, upper end of the market. My only advice would be to have patience and your pricepoint for the product that you want will eventually come together. For now what you want for 450K is too good of a buy, but eventually it will be an everyday occurance. The bad part about that is you will probably want more for 450K at that point. Almost every home that I have looked at and liked for the price has either sold at/or above listing or has gone pending.
I too think the market has further to correct, but I believe the areas that have fallen the most will have less to correct. I don’t think that those areas will stop falling earlier, but just will correct less percentage wise from this point on.

[Author]

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