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Providing the Services YOU Deserve and Trust! In 2010 I started my real estate carrier of without ever having sold a property before — As of today 10/12/2012, I have closed 109 Transactions! And in the process, help realize the dream of home ownership to a wide range of clients that now count me among their friends. And also refer me to their love ones, because they know they will be in the best of hands with some one that they trust. My track record of excellence in service speaks […]

The U.S. Department of Housing and Urban Development reacted to the Federal Housing Administration audit report, stating that a petition to Congress for a Treasury draw is not immediately needed. With the housing market still in recovery, the capital reserve ratio of the fund used to support single-family mortgage and reverse mortgage insurance programs dropped to a negative 1.44%, with a negative economic value of $16.3 billion. Given the downturn, this does not mean FHA has insufficient funds to pay for insurance claims, a current operating deficit or a need to […]

Most loan types increased in default rates during October, with a surge in first mortgage default rates, according to S&P Dow Jones/Experian Consumer Credit Default Indices. The national composite increased to 1.55% in October, the first time in nine consecutive months, compared to 1.46% from September. The first mortgage default rate increased 1.47% compared to 1.36% from the previous month. Second mortgage default rates also rose to .65% compared to .64% last month. “The second mortgage is marginally up by 1 basis point from its September rate of 0.64%, the lowest rate […]

Mortgage application filings for the week ending Nov. 16 declined 2.2%, the Mortgage Bankers Association said Wednesday. The refinance index fell 3% from the previous week while the purchase index on a seasonally-adjusted basis increased 3% from a week earlier. Overall, refinancing activity continued to make up 81% of all loan applications, unchanged from the previous week. Adjustable-rate mortgages grew in popularity, now representing 4% of all loan applications. The average contract rate on a 30-year, fixed-rate mortgage with a conforming loan limit increased to 3.54% from 3.52%. The average […]

Barry , a Nashua, NH native, joined The Bean Group as a full time agent in 2011. He selected the agency so that he and his clients could take advantage of the industry leading technology provided by The Bean Group. He plans to help The Bean Group achieve the largest market share in NH. Barry specializes in helping not only first time home buyers and first time investors, but also seasoned buyers and sellers with all aspects of residential real estate. He is always ready to help someone find their […]

Loan origination and default data suggest that a recovery in the housing industry has been in effect since 2010, according to the Small Business Administration. While improvements in housing prices, annual growth rates, loan disbursements and geographical housing trends indicate the industry is well on its way to recovery, there are still concerns. The level of small business defaults is higher than historical averages, but has declined consistently since 2009 as a result of support from federal stimulus spending, an improving economy and a housing market on the mend. The […]

Full service Broker offering the highest level of service to both buyers and sellers. Relax knowing I have the knowledge and experience to help guide you through the buying or selling process. I will help you find your perfect desert home ~ Please contact me today! Professional/Personal Distinctions: President- Palm Springs Association of Realtors – 2012 Director – Palm Springs Association of Realtors – 2010 – 2011                          Click here to search for a gay or lesbian real estate agent anywhere in the country. Professional/Personal Distinctions: President- Palm Springs Association of […]

The housing recovery may not be a boom “but it’s recovering,” said Kenneth T. Rosen, chairman of the University of California, Berkeley, Fisher Center for Real Estate and Urban Economics. Several challenges face the housing market that will prevent a boom from taking shape, particularly from tight lending conditions that have prompted the recovery to be marked by slow growth rather than rapid growth, Rosen noted at a recent conference. “The problem is not [that there is not] enough money, because the [Federal Reserve] has poured in a lot of […]

Buying or selling a home is a process that requires the right resources to help you make informed decisions toward a successful transaction ~ these resources include the ability to search for homes, have homes that meet your specific needs sent to you automatically the minute they hit the market, get school and neighborhood reports, and detailed real estate information to help you understand the entire process. As a real estate professional, I have the tools you need to complete your home sale or purchase with ease. Contact me today! […]

The average FICO score for first-lien loans reached 750 in October, a rise from 741 in August, according to Ellie Mae, an analysis that encompasses about 20 percent of all loan applications in the U.S. Meanwhile, the average FICO score on applications that were denied by lenders was 706. That is up from 700 compared to year ago levels and 697 in September 2011. Last week, Federal Reserve Chairman Ben Bernanke said that tighter lending conditions are contributing to a housing slowdown. He said that some tightening in mortgage lending […]