“This is one of those times that, 10 years from now, people are going to look back and say, ‘If I only had made the decision,’” says Shaun White, a vice president for the RE/MAX real estate network.

And for those who have been waiting to refinance their mortgages but couldn’t because their home values have tumbled, your chance to take advantage of historically low rates should be here soon — if all goes as planned.

Here are some of the housing and mortgage trends you can expect to see in the first quarter of 2012.

Homes prices begin to stabilize…

If you have been waiting for the market to reach bottom to buy a house, the wait is over in many parts of the country.

“I think we’ve bottomed out,” says Steve Anderson, a broker and owner at RE/MAX Benchmark Realty in Las Vegas. “If anyone wanted to buy a home today, now would be the time.”

Anderson says even in foreclosure-plagued Las Vegas, homes priced according to the market have been selling quickly.

Home prices remain lower than about a year ago, but many housing experts say there’s not much room for prices to fall further. Nationally, the median home price of existing homes was 3.5 percent lower in November 2011 compared to the previous year, according to the National Association of Realtors, or NAR.

While prices in some areas have taken bigger hits, and it’s possible they’ll decrease slightly in coming months, waiting to purchase may not pay off, some experts say. That’s because if mortgage rates rise, the slightly better prices will not be enough to offset the higher mortgage costs, says White.

“We are either at the bottom or very close to it,” White says.

HARP could lead to a refi surge…

Underwater borrowers, or those who owe more on their mortgages than their houses are worth, have anxiously awaited the day when they will be able to benefit from these historically low rates. That day is near.

The revamped Home Affordable Refinance Program, or HARP 2.0 that was announced in November 2011, allows borrowers to refinance and grab a lower mortgage rate regardless of how deeply underwater they are. The previous version of HARP did not allow refinances for borrowers who owed more than 125 percent of the value of their homes.

Despite the recent changes, most lenders have not been offering refinances under the new guidelines yet, as of early 2012. Industry experts say lenders are still making internal changes and are waiting for Fannie Mae and Freddie Mac to update their automated underwriting systems. The updates should take place by February or March, they say.

And if all goes as planned and lenders embrace the program, “there will be more refinance volume than lenders can handle,” says Dan Green, a loan officer at Waterstone Mortgage in Cincinnati.

“Early interest in the HARP program foretells that HARP will be a bigger hit than anyone’s imagined,” he says. “There are three years of pent-up demand for a product like this.”

But some are skeptical because the guidelines are optional and lenders can choose to implement their own “overlays,” or restrictive rules.

“I’m cautiously optimistic,” says Ed Conarchy of Cherry Creek Mortgage Co. in Gurnee, Ill. “But if lenders are reluctant to do it, I’m not sure it’s going to help.”

Mortgage rates likely to remain low…

hanks to the Fed and at the expense of the slow economy, mortgage rates are expected to stay near record lows for at least the first two or three months of the year.

“All indicate interest rates will remain stable for the foreseeable future given what the Fed has done and the nature of the U.S. economy,” says Jason Auerbach, division manager of First Choice Loan Services in New York City.

The Mortgage Bankers Association estimates the average 30-year fixed rate will hover around 4.1 percent during the first half of the year, giving buyers and homeowners some extra time to take advantage of the historic rates.

“This is unbelievable,” White says. “People who are in the profession have never seen rates this low.”

But the caveat applies: Rates are unpredictable and can change at any moment without warning, Auerbach says. That means buyers and homeowners who want to refinance and are able to do so now shouldn’t take a chance by waiting.

“There are a lot of buyers thinking rates are going to be the same for a long time, so they are in no hurry to buy,” White says. “When rates move up, you’ll see those folks get off the fence.”

Investors, foreign buyers flock to market… 

If you plan to buy a house, be ready to compete with local and foreign investors.

On average, 1 in 5 homes sold in 2011 was purchased by an investor, according to the National Association of Realtors. Many of these investors are foreign buyers who want to take advantage of the low prices and the weak dollar.

Buyers from Canada, Mexico, the United Kingdom, China, Brazil and other parts of the world have been actively purchasing vacation and investment properties in the United States, and this trend is expected to grow in 2012, White says.

“You will continue to see a lot of interest from foreign buyers,” he says. “With the uncertainty that you see in economies around the world, they view (real estate in the United States) as a safe investment, and there is a large portion of the foreign buyers paying in cash.”

Cash purchases account for about 30 percent of all homes sales in the United States, according to the NAR. In hard-hit areas, such as Miami and Las Vegas, cash purchases account for about half of sales.

Foreclosures & short sales are moving quickly…

Many buyers refuse to even consider purchasing a short sale because of the horror stories they have heard about lenders taking more than a year to approve a deal. Those buyers may want to reconsider this option in 2012. The short-sale process has improved and now happens more quickly, for the most part.

Frustrating, long waits still exist for some short sales, but many buyers are closing short-sale purchases in less than 90 days, agents say.

“Short sales are starting to move much quicker,” Anderson says. “Everything is starting to get more streamlined. Those that work for the banks are better trained, and the banks more accepting.”

Bank-owned properties also are selling faster. If you are eyeing a foreclosed house, don’t expect it to stay on the market for long. Real estate agents who specialized in distressed properties say reasonably priced bank-owned houses often get multiple offers and go under contract for sale in days now instead of months.

Despite the high volume of foreclosures, Anderson says because these properties are selling quickly, “Supply is getting low and the demand is high.” And, believe it or not, many of these properties are selling for more than the asking price.

“We are getting multiple offers on them,” he says.

By Polyana da Costa

Original article found here….

http://www.bankrate.com/finance/mortgages/5-housing-trends-winter-2012.aspx#ixzz1kXPchqxi

Banks have embraced credit scoring for its ability to accurately measure mortgage repayment history and default. As a result, credit scoring is a driving factor in both eligibility and pricing for a specific loan. I am including a rough credit scoring matrix which provides an unofficial base line of how credit scores stack up in the mortgage world:

Credit Scoring Matrix:

800-850 A+

740-799 A

739-720 A-

700-719 B+

719-700 B

680-699 B-

660-679 C

659- 620 D

< 619 F

I would like to begin with listing the 5 major factors and their respective weight as they apply to the scoring models used to generate a score. An understanding of these factors and how to strategically manage them can lead to a higher score.

1. Payment History (35%)

2. Credit Utilization (Balances) (30%)

3. Credit History (15%)

4. Type of Credit (10%)

5. Inquiries (10%)

1. Payment History- simply put, do you pay your accounts on time. If you do, you have nothing to worry about. If you have any lates, then your payment history considers the recency, frequency and severity of late pays on your credit report. Recency refers to how recent the late is. The more recent the late, the lower your score. So pay special attention to the last 12 months before you pull your score. Frequency refers to the # of lates. Do you have one stand alone late or do you have rolling lates or three 30 day lates in a row. Severity refers to how late it is and what type of late it is. 90 day lates are worse than 30 day lates. Mortgage lates are worse than credit card lates. Judgments, charge offs and tax liens are more severe than revolving lates and will affect your score more severely.

2. Credit Utilization- Measures balances to available credit or credit utilization. It is looked at from two standpoints, utilization per trade line and global utilization or total balances to total credit. It tends to focus on revolving (credit card) trade lines vs. installment debt (car loan) as it is expected you will have a balance on an installment loan. I recommend keeping balances to available on all revolving debt as low as possible. I also recommend more revolving cards because this will increase your available credit so balances to available ratio will go down.

3. Credit History- Simply, the length of open accounts. The older the date opened on the card the better. Old credit is good because it shows a long history, new accounts actually hurt your score because they are not seasoned and imply that you are in need of new credit, signifying you may be in financial strain.

4. Type of Credit- Looks at credit mix. A good credit mix is better for your score, so having an installment loan (car loan, mortgage) and revolving debt (credit cards, line of credit) is recommended. Having not enough credit can hurt your score so it is recommended to have a minimum of at least 4 trade lines. Avoid debt consolidators (finance companies) that offer to consolidate and lower scores your interest rate or same as cash offers as finance companies hurt your score because they are classified as debt consolidators.

5. Inquiries- Credit scores look at the number of inquiries (people pulling your credit) over the last 12 months. The less inquiries the better. There are many myths about how much an inquiry drops your score and to avoid them at all cost. If you have to pull your credit, just be conscientious of who is doing it and how many times. It is my understanding that each inquiry hits your score about 5 points. If you get a mortgage and a bank pulls your score, you get hit for the 1st pull, but subsequent mortgage pulls in a 30 day period does not hurt your score. Also, new credit leads to an inquiry.

(courtesy of Gannon Tidwell, GT Financial Group)

The indoor boccie ball court at Make Westing, a bar in the Uptown neighborhood of Oakland, Calif.

 By JENNIFER DUARDO
Published: November 23, 2011

OAKLAND GETS A NEW ‘THERE’

On a recent warm afternoon in the Uptown neighborhood of Oakland the streets were alive with activity. Crowds participating in Art Murmur, a monthly art walk, spilled out of galleries like Johansson Projects (2300 Telegraph Avenue; johanssonprojects.com) and Hatch Gallery (492 23rd Street; hatchgallery.org). It’s hard to imagine that this area, just north of downtown Oakland, was abandoned and plagued with crime just a few years ago. Now it bustles with hip bars, places to hear music and interesting restaurants that have even lured San Franciscans across the bay.

By Kathleen Richards

In the early-2000s, things appeared to be going well for Tony Carracci. His San Francisco metal club Pound SF was one of the only mid-sized venues around catering to the metal, punk, and hardcore scenes. Even though it was located in the middle of nowhere (Pier 96 in Hunters Point), its shows were known to draw hundreds of people.

Tony Carracci and Cip Cipriano aim to turn Pound West Oakland into a self-contained music complex. - Photo: Stephen Loewinsohn

Thus, Carracci decided, perhaps ambitiously, to build an amphitheater and music center on the grounds of the venue. He and his partner Cip Cipriano put almost $650,000 into remodeling and building a fence and amphitheater. Then he was hit with bad news: His landlord, the San Francisco Port Authority, decided not to renew their lease. “I fought ‘em for two years and in 2007 it got to the point where we couldn’t do it anymore, so we had to leave,” Carracci recalled. “They gave us no reason, no rhyme, and to this day it’s abandoned, empty, they didn’t rent it to anybody else. It’s just an empty shell of a building. We were really bummed.”

The Pound’s departure left a void in the metal scene for large venues. Slim’s stepped up, as did DNA Lounge and the Oakland Metro, but there were no dedicated venues like the Pound. Over the next several years, Carracci and Cipriano would host occasional shows around town — “not a significant amount but trying to keep it alive as much as we can.”

Then one fortuitous day about five months ago, Carracci’s friend Bryan Kehoe (M.I.R.V., The Kehoe Nation) invited him to a party at Soundwave Studios in West Oakland, where he was playing in a ZZ Top cover band. “As soon as I walked in, [I thought] damn, this place reminds me of the Pound,” Carracci said. “I had never been there before.”

As Carracci recalls it, at some point in the night Soundwave Studios owner Al Lucchesi approached him and asked what he was up to. Carracci said that he was looking for his next project, to which Lucchesi responded, “What about this place?” Carracci was floored: “Are you serious?” It seemed too good to be true.

Granted, Lucchesi had been trying to turn his monthly rehearsal studio space into a legitimate venue for years (at least ten, according to Carracci). He’d host the occasional show and 4/20 party. But for various reasons, the concept never really came to fruition. Carracci, on the other hand, was a guy who “gets shit done.” He says that phrase will be his epitaph.

Carracci moved fast and got Cipriano to check out the space with him. And this is the part of the interview where Carracci’s voice gets so excited that he’s practically yelling into the phone.

“The beautiful part of this is, they have the bar area, and right outside the bar area, there’s a big parking lot — we can do shows indoors or outdoors. But it gets even better! On the other side of Soundwave Studios there’s a huge, massive warehouse. Al goes, ‘I’m not doing anything with this.’ I brought Cip in there, he goes, ‘Oh my god, oh my god.’ He’s freaking out!”

Carracci and Cipriano removed all the debris from the warehouse and tore down some structures. They plan to install some large roll-up doors that Lucchesi had lying around, so the whole back of the building will open up into the courtyard area. In all, Carracci estimates that the main venue will fit two hundred people, with an additional four hundred in the parking lot outside. As for the massive warehouse next door, he says the capacity will be 600 to 800 people, and 1,200 in the outdoor courtyard. That’s four stages total. Carracci and Cipriano will be co-owners of the rechristened Pound West Oakland.

Carracci’s enthusiasm is palpable, and not just because he’s yelling. He makes the project sound like it could practically save Oakland. His concept is thus: Not just a venue, and not just limited to metal, punk, and hardcore (though that will certainly be a focus). Carracci is aiming to create a self-contained music complex, including a music school for kids and a cafe that serves food, plus the rehearsal studios, a video editing studio, and a recording studio. Like the defunct iMusicast, the all-ages Pound West Oakland will record bands’ performances and give them the video for free. A friend of Carracci’s who’s in the nonprofit sector is trying to help them get grants to teach music and video editing. Carracci also promises “family dinners every night” so people can “hang out and have a good time.”

That may sound terribly ambitious, but Carracci says all the necessary officials are on board. Councilwoman Nancy Nadel has visited the site and is “excited about it.” The Oakland Police are “totally behind us 100 percent.” Oakland Fire Inspector Vince Crudele has “been really wonderful.”

He says the support from the city is a far cry from the situation he encountered in San Francisco. “We’ve always wanted to reopen the Pound but couldn’t find the space,” Carracci lamented. “San Francisco is a nightmare — just with the bureaucracy and they try to discourage small business. It’s so unfriendly to do business in San Francisco. There is red tape in Oakland, but man they are so encouraging.”

And the fans? “The response is just phenomenal,” said Carracci. “Everybody’s just really excited about it, really happy. The buzz is unbelievable.” He notes that the venue has a built-in fanbase, since there are already bands rehearsing at Soundwave, plus the excited teenagers who came to the Pound SF’s shows are now in their early twenties.

Pound West Oakland’s opening night will be Friday, October 21, and will feature performances by the bands Comadre, Heart Sounds, Hides, and At Our Heels. There will also be free pizza and a barbecue in the parking lot, with “high fives highly encouraged,” according to the event’s Facebook page.

The event is sort of a soft launch, since Carracci is still working on getting everything in order, including the annual occupancy permit and cabaret license. Until then, Inspector Crudele is allowing Carracci to have one-off parties. (The next one happens December 6.)

But Carracci is optimistic it will all work out. “Oakland seems to be so small-business friendly that my new logo is going to be a gorilla crushing the Golden Gate Bridge,” he said. “Just to say, ‘Heck with you, San Francisco, we’re going to do West Oakland and we’re going to be rocking.’”

The first event will be held this Wednesday, Oct 12th, 2012, 7 PM, at the Hacienda de las Flores in Moraga, CA. It is the launch of The Lamorinda Theatres Concert Series, with a special presentation of “The Autumn Benefit Concert for CAIFF”. This concert will be breathtaking as attendees will definitely be amazed at the eclectic musical scores, ranging from Jazz, New Age, Halloween to Fusion; especially, with the addition of exotic instruments –the largest crystal didjeridoo in the world, and singing bowls.

Scheduled performers to appear at the concert are Frank Martin, a famous keyboardist who played with Sting, Al Jarreau, Andrea Bocelli, and Tuck and Patti; Kai Eckhardt, one of the top international bassist in the world and a member of The John McLaughlin Trio; didjeridoo and singing bowl performers, Paradiso and Rasayami who currently has a New Age chart-topping CD; and Carol Alban, a well-known flutist who has played at Carnegie Hall and Lincoln Center. Attendees are encouraged to come in their Halloween costumes for the costume contest. Ticket admissions with light refreshments are $20 for adults; $15 for CAIFF members and students. Tickets are available at the Lamorinda Theatres website (www.LamorindaTheatres.com/events_newrheem.asp)

On Friday, October 21st, 2011, it will be a day and evening of extravaganza. CAIFF is proud to present the theatrical release of its 2010 award winning film for Best Score, “Mighty Macs” at the New Rheem Theatre. This is a heart-warming true story of a small-unknown school’s improbable journey in 1972, to win the first national women’s collegiate basketball championship. Tickets are $10 for general admission; and $8 for matinee admission, students and seniors.

In the evening, to celebrate Halloween, another fundraising event for CAIFF will take place. Lamorinda Theatres opens the doors to its “Dark Dreams Haunted House” at the New Rheem Theatre. This haunted house has been named one of the top-rated “Most Haunted Houses” in the nation and has attracted at least 500 visitors annually in the past five years. Ticket admission to the “Dark Dreams Haunted House” is $8; and $7 for the “Friday Night of Fright” movie. As a special treat, visitors purchasing both tickets will have the benefit of purchasing a small popcorn and small beverage for only $2.

Tickets for “Mighty Macs”, “Dark Dreams Haunted House”, and “Friday Night of Fright” are available for purchase at the New Rheem Theatre Box Office or visit www.LamorindaTheatres.com .  For enquiries, call 925.388.0752 or e-mail info@caiff.org .

As part of the 2012 California Independent Film Festival Countdown, more future events are in-the-works , and they will be announced very soon in the festival’s website (www.CAIFF.org).

(10-06) 09:46 PDT WASHINGTON, (AP) –

The average rate on the 30-year fixed mortgage this week fell below 4 percent for the first time ever, to 3.94 percent.

For those who can qualify, it’s an extraordinary opportunity to buy or refinance. And mortgage rates could fall even further now that the Federal Reserve plans to reshuffle its portfolio of securities to try and lower long-term rates.

On Thursday, Freddie Mac said the rate on the 30-year fixed mortgage dropped from 4.01 percent last week, the previous low. The average rate on a 15-year fixed loan, a popular refinancing option, dipped to 3.26 percent, also a record. The 15-year loan has fallen for six straight weeks.

Mortgage rates are now lower than they were in the early 1950s, when the average rate reached 4.08 percent for a few months, according to the National Bureau of Economic Research. Back then, mortgages typically lasted just 20 or 25 years.

Still, rates have been below 5 percent for all but two weeks in the past year and that has done little to boost home sales. This year is shaping up to be among the worst for sales of previously occupied homes in 14 years.

“Interest rates are obviously not an impediment to housing. It’s uncertainty about the economy, about jobs, about incomes,” said Mark Vitner, senior economist at Wells Fargo. “It’s not a question of affordability. It’s simply a lack of wherewithal to buy a home or a lack of confidence to commit to buying one.”

Many people are reluctant to take the risk in this market. High unemployment, scant pay raises and heavy debt loads are deterring many would-be buyers.

Others can’t qualify for the historically low rates. Banks are insisting on higher credit scores. And many want first-time buyers to put down 20 percent. Few people have that much cash or home equity to satisfy the requirement.

“Considering how far mortgage rates have fallen, we’d expect to see more people refinancing and buying,” said Celia Chen, director of housing economics at Moody’s Analytics. “It’s still the lack of jobs and the difficult credit environment that’s pushing most people away.”

Total mortgage applications fell more than 4 percent this week from the previous week, according to the Mortgage Bankers Association. Refinancing applications declined more than 5 percent.

Mike Fratantoni, the group’s vice president of research and economics, said potential borrowers “largely remained on the sidelines” and were “unimpressed” by the lowest rates in decades.

Mortgage rates have tumbled because they tend to track the yield on the 10-year Treasury note. The yield has fallen in recent weeks, largely because investors are worried about the U.S. economy and the debt crisis in Europe. So they have shifted their money out of stocks and into the safety of Treasurys.

A drop in mortgage rates could provide some help to the economy if more people could refinance. When people refinance at lower rates, they pay less interest on their loans and have more money to spend.

Consider a homeowner who owes $250,000 and is paying 5.09 percent on a 30-year fixed mortgage. That was the average rate being offered in January 2010. Refinancing the loan at 3.94 percent could save him or her more than $2,000 a year.

But many homeowners with good jobs and stable finances have already refinanced. Until recently, any rate below 5 percent was considered extraordinarily low. Just five years ago, the best rate for a 30-year fixed loan was around 6.5 percent; a decade ago, it was near 8 percent.

Most economists say rates would need to fall at least a full percentage point before it makes sense to refinance again. The reason is homeowners typically pay a few thousand dollars in closing costs when they refinance. And the low rates being offered don’t include extra fees, known as points, which many borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount.

The average fee for the 30-year and 15-year rose to 0.8. The average fees for both the five-year and one-year adjustable-rate loans were 0.6 and 0.5, respectively.

To calculate average mortgage rates, Freddie Mac surveys lenders across the country Monday through Wednesday of each week.

The average rate on a five-year adjustable-rate mortgage fell to 2.96 percent. The average for the one-year adjustable-rate mortgage ticked up to 2.95 percent.

AP Business Writer Dan Wagner contributed to this report.

Read more: http://www.sfgate.com/cgi-bin/article.cgi?f=/n/a/2011/10/06/national/w070239D77.DTL#ixzz1a1i2NMSc

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Orinda, CA (September 27th, 2011) – The newly released, film, “Moneyball”, is currently one of the top box-office hits worldwide, and it is currently screening at one of Lamorinda Theatres’ cinemas—The Orinda Theatre.

This  Saturday only, Oct 1st, 2011, Orinda Theatre welcomes one of Lamorinda’s rising Hollywood Stars— Stephen Bishop, who will be in attendance at the 6:30 PM screening of “Moneyball”. Stephen hails from the town of Moraga, CA, and went to Campolindo High School.

Mr. Bishop, who plays Oakland A’s outfielder, David Justice, in the movie, will be available to greet and meet well-wishers at the Orinda Theatre. He will also make a special appearance to introduce the movie, and to share insights and inside stories on the making of the movie, after its screening.

Mr. Bishop’s other most notable film and television credits include Friday Night Lights, Grey’s Anatomy, Lost, and The Rundown.

This screening is a special limited engagement in the Bay Area, and it is recommended that tickets are purchased before October 1st, 2011, in anticipation of being sold-out. Ticket admissions are $10 for the general public, and $8 for seniors, students and children, and they are now available for purchase at the Orinda Theatre’s Box Office or at the theatre’s website (www.TheOrindaTheatre.com). For inquiries, call 925.254.9065 or e-mail info@LamorindaTheatres.com .

You’re invited to get seats to the 2011-2012 season now – 4 days before tickets go on sale to the general public – and at a 20% discount! Tickets go on sale to the general public on Saturday, October 1. Act now for best seats.

We’ve got a great season ahead, including music of the Americas featuring works by Gershwin, Ellington, Bernstein & Ginastera; the monumental Carmina Burana; concertos by Brahms & Dvorak; and an evening with jazz artists Paula West, Daniel Bernard Roumain & Taylor Eigsti. And our Holiday Concert, Let Us Break Bread Together, features a special guest appearance by legendary folk singer Joan Baez this year.

To order tickets, click here.

Choose the concert(s) you want. Click on the Buy Tickets button and enter the Offer Code OEBSPRESALE in the box provided for your 20% discount.

Limit 4 tickets per concert. Discount offer applies to new sales only; discount may not be applied to previously purchased tickets.
 
——————————————
Oakland East Bay Symphony
A Division of East Bay Performing Arts
2201 Broadway, Suite 300, Oakland CA 94612
tel 510-444-0801 fax 510-444-0863
www.oebs.org