A Historic Rebound for the Housing Market

A total rebound for the housing market including Roseville CA

Pending Home Sales increased by 44.3% in May, registering the highest month-over-month gain in the index since the National Association of Realtors (NAR) started tracking this metric in January 2001. So, what exactly are pending home sales, and why is this rebound so important? According to NAR, the Pending Home Sales Index (PHS) is: “A leading indicator of housing activity, measures housing contract activity, and is based on signed real estate contracts for existing single-family homes, condos, and co-ops. Because a home goes under contract a month or two before it is sold, the Pending … Continue reading...

Home Selling AND Buying But Worried About Finding a Home?

Kaye Swain Roseville Real Estate Agent sells real estate Roseville

Home Selling and Buying Together Are you thinking of home selling and buying at the same time. You know, selling your current house now while interest rates are so wonderfully low before they head up even more than they've already gone? Then you can buy a new home and maybe even pay the same price for a bigger house? Or perhaps it's downsizing you're after? Maybe even one of the lovely senior retirement homes that abound in Roseville for boomers and seniors?Then you might actually be paying less per month! BUT you've heard the market is tight and homes are hard to find! What to … Continue reading...

How to Best Use My Home Equity

Kaye Swain Roseville Real Estate Agent sharing home equity information

What is Home Equity? Home equity seems to be a very simple calculation. The total amount of mortgages owed subtracted from the current market value of a home. Here is a simple example: Current Home Market Value $325,000 Existing Mortgage $225,000 Homeowner Equity $100,000 One side of the equation is well defined, and it is found on the monthly mortgage statement, the loan balance. The other side is less obvious — the current market value of the property. As a homeowner, your down payment purchases your initial equity. Then your monthly (or additional) principal payments increase … Continue reading...

Options in Light of the Interest Rate Increase

Kaye Swain Sacramento area REALTOR shares the difference an interest rate makes

Interest Rate Increase December 2015 As you have probably heard (especially if you follow my Facebook real estate page and/or my Twitter feed - @KayeSwain ), the Federal Reserve moved forward with an interest rate increase in December, 2015. Not by much, but it was a start. If you're wondering how much of a difference an interest rate increase can make, take a look at this infographic! Interest Rate Impacts on Home Buying When we bought our first home in Roseville about 20 years ago, we were able to assume an adjustable rate loan that was at a phenomenally low rate for then. It … Continue reading...

Search the MLS easily right here!

Three ways to search the MLS for homes for sale in Placer County and the Surrounding Sacramento area. 1. Map Search 2. Quick Search To search below, just type in the house number, street, city, state, OR zip into the grey bar with those words (it doesn't like Roseville CA - just do Roseville ;) ) . Adjust the price, and number of beds and baths if you would like. Then click search. Once in the search screen, you can adjust any and all of these options plus you have more choices, along with a list including pictures on the right with a detailed map on the left. If you would like to … Continue reading...

Happy Almost Spring From Roseville REALTOR Kaye Swain

Spring flowers pink and pretty in Roseville CA via Kaye Swain REALTOR

March is blooming everywhere! It's almost spring! And the real estate market thinks it turned spring last month! Houses are selling fast, fast fast. Remember that cute little home in Old Roseville - it sold for full price in one week and just closed earlier this week! That always puts a big smile on the face of this REALTOR as well as my clients!   :) If you're wondering if it's time to sell, I'd be glad to do a free market analysis for you to help you determine what your home is worth. Just CALL KAYE at 657-229-KAYE or email me at [email protected] Happy Spring and Happy Pink … Continue reading...

Welcome to the Ultimate Blog Party at KayeSwain.com

SandwichINK Grandma Loves Her Grandkids

Hello! And WELCOME to my Ultimate Blog Party 2014 - #UBP14 - post . I'm having a Progressive Blog Party WITHIN a Progressive Blog Party as I have FOUR primary sites to share with y'all.  Would you believe, this is my 5th year joining in the fun. Let me give you a guided tour. This is KayeSwain.com and it's the hub of my family of websites. I have a regular weekly column sharing sights, sounds, and tastes on my weekly real estate homes tour - sometimes recipes too. :) I love to join in weekly blog linky parties like the Grand Social for grandparents, Pink Saturday and Anything Blue Friday as … Continue reading...

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