Crescent City Real Estate News: January 2008

Ford Foundation invites Del Norte County Chamber of Commerce to submit a concept paper to begin investment discussion - Del Norte County is a happening place.

There is a lot to love about Del Norte County, the towering redwoods, our national and state parks, the only undammed river in California teaming with stealhead, the Pacific Ocean, the list goes on and on.  Del Norte County has steadily been catching the attention of large enterprises such as Starbucks, Home Depot, Walgreens, and now add the Ford Foundation to that list. 

Reweti Wiki, Executive Director of the Del Norte/Crescent City Chamber of Commerce reported today that the Ford Foundation paid our little county a visit and was impressed enough with our education initiatives, collaborative health care projects, organic dairy, natural resources issues and community philanthropy to invite the Chamber to submit a concept paper to begin the investment discussion. 

Reweti states, "This is a significant step forward for the community and represents what we hope is a partnership that will open doors to opportunity.  In conjunction with other developments in the area, it is an exciting time to be part of Del Norte County.

Amen to that!

 

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No one sold more homes in Del Norte County in 2009, 2010 and 2011--*in units sold and volume--than Fran Gatti. Put Fran to work for you!

 

Brought to you by Fran Gatti at  No one works harder for you!  Bus: 707-464-5400, Cell: 707-218-8162 Email: frangatti@remax.net Website: FranGatti.com My Blog: Fran's Blog RDCPro®, CDPE® CA lic 01723796

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When I first published this post one year ago, I believe AR had less than 20,000 members.  The Borg analogy is still right on the mark.

At dinner tonight I was excitedly telling my husband, Garry, about Active Rain and the close community it has spawned.  I told him how we watch out for one another, give and receive encouragement, absorb all the information we can and share it with the group, and how the network is growing by leaps and bounds.  Garry said, "You sound like the Borg, part of a collective."

Yes, yes, exactly! 

Consider:

• "The Borg have a singular goal, namely the consumption of technology... 
• The Borg only want to "raise the quality of life" of the species they "assimilate..."  
• This collective consciousness is experienced by the Borg as "thousands" of voices - they are collectively aware... 
• Among the many advantages their collective consciousness affords them, the Borg hive-mind allows for instantaneous adaptations..
• ...they travel the galaxy, increasing their numbers and advancing by "assimilating" other species and their technologies

This is a perfect analogy for AR. 

• We have a common goal, to give the best service possible to our clients and to learn to harness technology to that end. 
• From everything I have read on the AR posts, the members want to raise the quality of life of their sphere of influence and beyond. 
• AR is the ever growing "web," "hub," or "hive" that is giving us a huge collective search engine voice. 
• We are all learning how to adapt to the changing marketplace
• We are increasing our numbers by the minute.

We are Borg!

Picture and quotes from http://www.startrek.com/startrek/view/library/aliens/article/70558.html. Additional information: http://en.wikipedia.org/wiki/Borg_(Star_Trek)

 

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Thank you for stopping by. Your comments on this post are welcomed and appreciated.
No one sold more homes in Del Norte County in 2009, 2010 and 2011--*in units sold and volume--than Fran Gatti. Put Fran to work for you!

 

Brought to you by Fran Gatti at  No one works harder for you!  Bus: 707-464-5400, Cell: 707-218-8162 Email: frangatti@remax.net Website: FranGatti.com My Blog: Fran's Blog RDCPro®, CDPE® CA lic 01723796

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Below are exerpts from Daniel Mudd's recent conversation with the San Francisco Chronicle regarding California's Foreclosure crisis. 

Fannie Mae buys and packages billions of dollars of mortgage loans for resale in secondary markets, which helps to keep interest rates low.

Causes of the current foreclosure crisis:

• For a period of time the market grew too fast and now we are in a period of uncertainty and volatility.
  
  
• The market (I mean home prices, housing starts, and mortgage rates) is looking to find a new level. 
  
  
• Rates and home prices were low for a long period of time. Both lenders and borrowers had a huge amount of confidence that ultimately led to overconfidence. The lack of other things to invest in caused people to invest in real estate, and a lot of the products, and I think it's specifically pronounced in California, were designed to get monthly payments down at the beginning.
  
  

• The trigger was a lot of the subprime products that are now coming home to roost.

• There were instances where people got put into homes that they couldn't stay in and it should have been known at origination that they weren't going to be able to stay in those homes.

Suggestions on how to fix things:

• The market needs a restoration of liquidity.

• Historically, the difference between the prime rate and the jumbo rate is about a quarter of a percentage point. It is now approaching three-quarters of a percent. What that indicates is, there is not enough liquidity in those markets for people to confidently originate loans and then sell them into the market.

• There are $600 billion to $800 billion worth of subprime mortgages out there. In the coming year, $185 billion of those have some kind of a reset. As fast as originators and others can execute it, they ought to try to finance those people into safer, more-predictable fixed-rate, affordable loans.

• When Congress set the conforming loan limit, they used a formula, literally an act of Congress. Recognizing that there were some places that home prices were higher than the limit they set of $417,000, they picked Alaska, Hawaii and Guam. This has been an issue that Congress has looked at and we are hopeful that Congress would say, OK, some of the markets we call jumbo are actually affordable houses for the working class in places like California, New York or Massachusetts. We should have a higher limit there that will enable more people to purchase homes and get the benefit of that difference between the jumbo and conventional rate.

• Underneath the complexity of the housing market, you have what is an extremely important part of the country. It's a house. It's property rights. It's the basis on which the whole nation was really set up. There are a lot of participants. I do believe that one of the things that is going to happen, both legislatively and structurally, is that there is going to be more licensing, legislative requirements for transparency, there will be greater standardization in the origination process, and I think also probably, the number of players will decrease.  We are already seeing a decline in the number of active brokers in the market. You're seeing the banks shut down some of the divisions at Wall Street investment banks. 
   

Regarding California's Price Decline:

• There are two issues. In some sense, the poster child is the upper Midwest, where you not only have home price decline, you also have a lot of regional job loss. We actually have thousands of formulas that drive a graphical map of the U.S. So, you have some red in California, some red in Florida and some red in the upper Midwest, but the drivers are very different.

  The second factor that's operative in Florida is that there is a huge incidence of speculative-investor properties there. We worry about California because it's the largest state, but we worry less about it because jobs are reasonably solid, the economy is reasonably solid, exports are reasonably solid, immigration is reasonably solid, and all those factors suggest an adjustment, but don't suggest that we fall into the second category.

Regarding Fannie Mae's Mission:

• We are a private company with a public mission. The perennial debate is how can you serve private shareholders and a public mission? That is actually the specialty business we are in. The business that we are actually in is doing affordable, middle-class, plain old 30-year, 15-year fully amortizing lending. We've done it since just after World War I and we are very good at it.
  

Regarding Fannie Mae's Loan Portfolio:

• We're the largest player in the market. We play in the middle part of the market. Nationally, the middle part of the market has declining home prices, so we are seeing some of the stress. We have two businesses. One is investing on balance sheet and the other is providing guarantees on securities owned by others. When the individual borrowers don't maintain the principal or interest, we have to step into their shoes. That's happening more now, so we're seeing some losses.  I'm very proud of the fact that of the loans that fall behind, well over 50 percent of those loans we restructure and get those loans back to being current.

 To read this article in its entirety

Participating in this interview were Real Estate Editor Bill Burnet, personal finance columnist Kathleen Pender, and staff writers Sam Zuckerman, Carolyn Said and Kelly Zito

This article appeared in its entirety on page E - 1 of the San Francisco Chronicle

 

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Thank you for stopping by. Your comments on this post are welcomed and appreciated.
No one sold more homes in Del Norte County in 2009, 2010 and 2011--*in units sold and volume--than Fran Gatti. Put Fran to work for you!

 

Brought to you by Fran Gatti at  No one works harder for you!  Bus: 707-464-5400, Cell: 707-218-8162 Email: frangatti@remax.net Website: FranGatti.com My Blog: Fran's Blog RDCPro®, CDPE® CA lic 01723796

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Are you looking for the perfect home in Del Norte County, or any market, but are new to the area, or better yet, live outside the area?

If so, you need to use a local REALTOR who knows your market!  

A very nice man who was standing in front of a home, called a local agent for a showing.  While they were looking at the listing, the agent asked a lot of questions and knew of the perfect home to meet this clients needs.

Up to now the gentleman was frustrated because he was moving to Del Norte County very soon and had used his REALTOR from Eureka to show him homes. She did not know the market, took him to the wrong type of neighborhoods and listings and he was beginning to think he had made the wrong decision in taking a job in our beautiful county.  In utter frustration, he looked for homes on his own, then called a local agent.

I found out quickly what he was looking for, took him on a brief tour of our county to get him over his jitters, then set-up an apt. for the next day to look at some listings and go on a more extensive tour.  As we drove through Stout Grove in Jedediah Smith State Park, my client knew he could be very happy in Del Norte County.  We then looked at the type of listings that he originally had in mind and found the perfect home; he made an offer and it was accepted.  Ba-bam. 

Yes, real estate agents ask A LOT of questions, but not to be nosey.  We ask so that we get an idea of what you really need in a home, neighborhood, local school, whatever.  The more information we glean, the more apt we are to take you to that perfect listing that we know you're going to love.

Now that you know why it's important to use a LOCAL REALTOR who specializes in your market, stop wasting time and give one a call.

 

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Thank you for stopping by. Your comments on this post are welcomed and appreciated.
No one sold more homes in Del Norte County in 2009, 2010 and 2011--*in units sold and volume--than Fran Gatti. Put Fran to work for you!

 

Brought to you by Fran Gatti at  No one works harder for you!  Bus: 707-464-5400, Cell: 707-218-8162 Email: frangatti@remax.net Website: FranGatti.com My Blog: Fran's Blog RDCPro®, CDPE® CA lic 01723796

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Many California home owners are indeed melting into a foreclosure crisis.

I have read many posts lately about keeping things positive.  If you are one of the *84,375 California residents who had their home repossessed by their lender in 2007, I think you would agree, a positive spin on the situation is hard to find.

*This is a 565% increase from the 12,672 in 2006, according to DataQuick Information Systems. 

For those looking for the positive spin, we can be thankful it wasn't a 1000% increase.

In addition, default notices, the first step in the foreclosure process, also hit record highs in 2007 and another statistic showed that default notices are increasingly more likely to turn into foreclosures.  Only 41% of homeowners in default were able to pursue solutions that would allow them to keep their homes, compared with 71% a year ago.

What does it all mean:

• If you are having problems making your house payment do not bury your head in the sand and hope things will get better.  Call your lender and see what options you have available to you. 
  
  
• If you are an agent, ask potential seller's if they are behind in their payments.  You may be dealing with a short sale situation and you are better off knowing that up front.
  
  
• If you are a home owner, you would be wise to keep your equity intact.  Equity is an ambiguous thing.  You probably had a lot more of it two years ago than you have today.  What if you have to sell unexpectantly and used up all your equity in 2005 when your home was worth more?  You would either have to, 1.  Bring cash to closing, or 2. Negotiate a short sale with your bank, which is not a fun process and there are no guarantees they would comply with your request for a short sale.
  
  
• If you find you have to sell and are in a short sale situation, it would be good to use an agent who has completed a short sale transaction. 
  
  
• If you are a buyer, get pre-approved by a reputable lender and ask a lot of questions (ask friends that purchased homes and have not become a statistic, which lender they used).  Make sure if you are looking at an adjustable rate mortgage that you will be able to pay the payments if, heaven forbid, it fully adjusts.

There are practical ways to avoid becoming part of the foreclosure crisis in California, be active, work with a real estate professional and don't use your home to fund your lifestyle.

Del Norte County...The Other California
Copyright © 2008 Fran Gatti/Crescent City/Del Norte County...The Other California | All Rights Reserved

 

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Thank you for stopping by. Your comments on this post are welcomed and appreciated.
No one sold more homes in Del Norte County in 2009, 2010 and 2011--*in units sold and volume--than Fran Gatti. Put Fran to work for you!

 

Brought to you by Fran Gatti at  No one works harder for you!  Bus: 707-464-5400, Cell: 707-218-8162 Email: frangatti@remax.net Website: FranGatti.com My Blog: Fran's Blog RDCPro®, CDPE® CA lic 01723796

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This was in my local paper today [The Triplicate] under the lost and found classifieds:

Found at Waste Water Treatment Plant, set of dentures missing front six teeth. 707-464-5416.

There was much speculation in my office about why the dentures had six teeth missing and how they got in the waste water treatment plant.

I won't bore you with the speculations.  Suffice it to say, we figured it had something to do with being very ill and leaning over a toilet.

I think if I were the owner I would get new dentures.

 

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Thank you for stopping by. Your comments on this post are welcomed and appreciated.
No one sold more homes in Del Norte County in 2009, 2010 and 2011--*in units sold and volume--than Fran Gatti. Put Fran to work for you!

 

Brought to you by Fran Gatti at  No one works harder for you!  Bus: 707-464-5400, Cell: 707-218-8162 Email: frangatti@remax.net Website: FranGatti.com My Blog: Fran's Blog RDCPro®, CDPE® CA lic 01723796

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Buyer's - Now is a great time to buy a home in my market.  In fact, now is a wonderful time to be a buyer in most any market in the U.S.  I keep saying this over and over to my clients, but I think they are looking at me, but seeing the guy in the picture. 

I showed a home on Thursday to walk-in clients.  They drove by the home and called our office because we were the listings agents (another case for signs being the best form of advertising).  I showed them the home, but after talking with them, knew of a different listing that would meet their criteria much better than the first home.

We walked through the second listing, and I was right, they loved it.  It was exactly  what they were looking for.  This particular listing was priced right, only on the market about 1 month, and in the price range that is currently moving in Del Norte County, so I suggested they write an offer, getting the home under contract so they wouldn't lose out.  They wanted a parent to have a look first. 

If the kids didn't see me as the guy in the picture, it was evident the second we shook hands that their parent did.  The prospective buyer, who had tears of happiness on her face just a short while before over finding the perfect home, now came up to me and in a serious voice, said she would call me later.  And that was that.

I know parents and friends mean well.  They want to give you, the buyer, their years of wisdom and experience in making a sound financial decision.  However, remember buyer, that you will be the person living in the home, and your agent is an expert in their field.  They look at the listings in their market everyday, they see sold prices every time a home sells, they do extensive market analysis when listing a home, your agent knows their market. 

Friends and parents, know the market from their personal experience, which in most cases is limited to one, two, maybe three purchases in a lifetime and if they haven't purchased or sold real estate recently, current prices will assuredly bring sticker shock.  A good agent handles 10 times more real estate transactions in one year then the average friend or family member will handle in a lifetime.  Your agent is a professional and they know their market.

Does this mean don't bring along friends or family when purchasing a home?  It could.  If you find yourself changing your mind on home after home after the advice of a friend or family member, it may be time to leave them at home and listen to your real estate professional. 

Again, now is the time to buy in my market.  Your real estate professional knows their market.  They know a well priced home and they know an overpriced home.  Let them do their job and you do yours. 

Happy house hunting.

Del Norte County is the other California...come check us out and see why.

Del Norte County...The Other California
Copyright © 2008 Fran Gatti/Crescent City/Del Norte County...The Other California | All Rights Reserved

 

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Thank you for stopping by. Your comments on this post are welcomed and appreciated.
No one sold more homes in Del Norte County in 2009, 2010 and 2011--*in units sold and volume--than Fran Gatti. Put Fran to work for you!

 

Brought to you by Fran Gatti at  No one works harder for you!  Bus: 707-464-5400, Cell: 707-218-8162 Email: frangatti@remax.net Website: FranGatti.com My Blog: Fran's Blog RDCPro®, CDPE® CA lic 01723796

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Del Norte County is indeed the land of opportunity right now for both investors and buyer's.

The Daily Triplicate reported today that the resort plans are moving forward.  The new casino's impact is viewed with optimism. 

The new resort, coupled with the completion of the new Starbuck's, a Walgreen's coming to town and the renovation of the Square Deal building clearly indicates that some rather large companies see Del Norte County as a happening place to expand their business.

Here are some local business opportunities that are currently for sale:

1. Coffee Shop and soup/sandwich restaurant on Highway 101
2. Car Wash and Quick Lube on Highway 101
3. Movie Theater with 2 screens
4. Mini Storage
5. Hotel
6. 2 Restaurants, one on Highway 101 and located on the beach and the other in the harbor, both with ocean views
7. Hair/Tanning salon
8. Lodge
9. Resort with cabins with ocean views
10. Office buildings

Along with business opportunities, affordable housing abounds for home buyer's.

Here's a price breakdown of active residential listings:

• Less than $100,000 - 15 listings
• 101,000-200,000 - 35 listings
• 201,000-300,000 - 71 listings
• 301,000-400,000 - 55 listings
• 401,000-500,000 - 18 listings
• 501,000 and up - 36 listings

Del Norte County's median price home is currently $290,000 (California median home price was $450,000 last time I checked) far below the rest of the state of California.  We have 9 homes listed that were built 2005 or newer that are priced between $200,000 and $300,000.

Del Norte County is the other California...come check us out and see why.

Del Norte County...The Other California
Copyright © 2008 Fran Gatti/Crescent City/Del Norte County...The Other California | All Rights Reserved

 

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Thank you for stopping by. Your comments on this post are welcomed and appreciated.
No one sold more homes in Del Norte County in 2009, 2010 and 2011--*in units sold and volume--than Fran Gatti. Put Fran to work for you!

 

Brought to you by Fran Gatti at  No one works harder for you!  Bus: 707-464-5400, Cell: 707-218-8162 Email: frangatti@remax.net Website: FranGatti.com My Blog: Fran's Blog RDCPro®, CDPE® CA lic 01723796

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I would like to share an exciting experience that came my way because of my Active Rain blog. 

I was contacted by a local newspaper reporter asking me if I would assist her with an article on the forecast for the Del Norte County real estate market for 2008. 

She found my website, read my blog and determined I would be helpful after reading my monthly market reports, end of the year summary report and 2008 market forecast.

I enjoyed the experience, hope to do it again, and wanted to share it with you.  Below is the article if you would like to take a gander.

Thank you Active Rain

P.S.  I asked her if she would put my blog address in the article and she did.  Yippee!
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Housing market best for buyers

Published: January 10, 2008

By Kelley Atherton

Triplicate staff writer

Not many people would consider 2007 to be a good year for the housing market as sales slid from a peak in 2005.

The good news is when the market slows, prices go down and buyers slowly come back into the market. Essentially, if you lower prices they will come.

This is especially true for Del Norte County. Ming Tree Realty Agent Fran Gatti calls it a "buyer's market."

"Now is the time to buy a home," she said. "Prices are good and sellers are motivated."

The median sale price dropped about six percent from 2006 to 2007, from $225,000 to $211,750, according to Multiple Listings Service (MLS) data.

"That's lower than our last big year in 2005 and it's been declining since then," Gatti said.

Gatti said properties still in escrow right now might affect the statistics for 2007 and the current numbers might change. She tracks monthly MLS housing reports for the county and housing developments on her blog, http://activerain.com/blogs/frangatti.

Re/Max Coastal Redwoods Agent Mike Nolan said the market is in a transitional period. Listings are staying on the market for an average of 120- 180 days rather than a few years ago during the buying frenzy, when listings stayed on the market for an average of just a few weeks.

"The market is in a state of transition from a hot market we experienced a couple of years back to more normal conditions," Nolan said.

Del Norte County is actually better off being a remote, coastal area.

"It's not as bad here as it is for the rest of country," Nolan said. "We're lucky to be here where people want to retire and get out of metropolitan areas. We're waiting for them to come back. We're looking for a good spring season."

Gatti said she thinks prices will mostly hold steady for the next year, possibly dropping slightly more before rising again, which is the cyclical nature of the market.

"I don't think it's going to get worse," Gatti said. "But prices will hold, maybe decline a little, but not as drastic as before."

The housing market started to slow in 2005 after prices rose into the $300,000 range. According to MLS data, 212 houses sold in Del Norte last year, a decrease of 14 percent from 2006, when 247 houses sold. The volume of sales decreased as well, to $50 million last year from more than $61 million in 2006.

Many people who bought homes in 2005 watched the value of their homes fall in 2006 and 2007.

"Prices in 2005 peaked really high," Gatti said. "There's not a lot of people who can afford (those prices), even though the median prices are lower than everywhere else."

A big part of the slow housing market is the foreclosure crisis. Many people are not able to afford their increasing subprime interest rates, putting a crunch on lenders and sending homes into foreclosure. On Dec. 6, President Bush announced a freeze on subprime interest rates for five years. However, critics claim that this is only a temporary fix.

Foreclosures do not dominate the market in Del Norte. The county has the third lowest foreclosure rate in the state, according to Gatti.

But nationwide events do affect even remote areas.

"There's no way to discount the effect the subprime disaster had on the real estate market," Gatti said.

Lending standards have tightened up since then and not as many people are qualified for mortgage loans, so therefore there are less people able to afford a home.

Gatti said that buyers should be approved for a mortgage before looking for a home. She warned that even though they might have been approved months ago, standards have changed. Potential buyers don't want to find out too late that they can't afford the home of their dreams.

Gatti is optimistic about the local real estate market, saying Del Norte County is a prime retirement spot.

Nolan agreed.

"This is the perfect time for buyers," Nolan said. "Don't wait for everyone else to get back in the market."

 

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Thank you for stopping by. Your comments on this post are welcomed and appreciated.
No one sold more homes in Del Norte County in 2009, 2010 and 2011--*in units sold and volume--than Fran Gatti. Put Fran to work for you!

 

Brought to you by Fran Gatti at  No one works harder for you!  Bus: 707-464-5400, Cell: 707-218-8162 Email: frangatti@remax.net Website: FranGatti.com My Blog: Fran's Blog RDCPro®, CDPE® CA lic 01723796

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Covenants, Conditions & Restrictions -

What are CC&Rs? The covenants, conditions and restrictions (CC&Rs) are the governing documents that dictate how the homeowners association operates and what rules the owners -- and their tenants and guests -- must obey. These legal documents might also be called the bylaws, the master deed, the houses rules or another name.

These documents and rules are legally enforceable by the homeowners association, unless a specific provision conflicts with federal, state or local laws.

Neighborhoods in Del Norte County with CC&R's are increasing in number due to developers wanting to keep consistency throughout the development. 

Most of the CC&R's in Del Norte County address a variety of issues, while almost all CC&R's address the issue of whether they will allow manufactured homes.  Most developments in Del Norte County with CCR's do not allow manufactured homes, but one neighborhood allows them exclusively.  That development also calls for strict adherence to improvements a home owner must make to place a home.

The improvements, gutters and curbs, carport, driveway, water and sewer hook-up, to name a few, are quite costly.  If a buyer did not take the time to read the CC&R's, paid cash for the lot, then went about setting the home, the required improvements would add an extra $45,000 to $50,000 to the placement cost.  Think that might give you a heart attack?

If a property has CC&R's, it should come to light in the title search.  The CC&R's could be the determining factor for a buyer on whether they want to purchase in that neighborhood or not.  A good real estate agent in Del Norte County should know that certain neighborhood's or developments have CC&R's and get them to the buyer before they ever write an offer. 

I urge all buyer's to always ask their agent if there are CC&R's for a home before writing an offer.  That way you do not bond with a home and find out during escrow you have to sell your family dog, get rid of your trailer, or change your plan to paint your home fuchsia if you consummate the purchase.  You could possibly lose your deposit or worse if you decide to back out.

I had a client decide against purchasing in a particular neighborhood because the CC&R's were entirely too strict as to animals that were allowed (down to how many fish were allowed in the fish tank).  Another client wanted to leave an RV on the side of a home, which was against the CC&R's and still another picked a particular community because homeowner's couldn't park RV's and trailers in plain sight.  In another instance I would have written a contract for a buyer last week if her Rotweiler weighed under 15 pounds, but alas, the mobile home park only allows small dogs.  When I relayed this to my seller, he said the buyer could cut the dog in half, that would get it under 15 pounds (he was joking BTW, I think). 

The best surprise in a real estate transaction is no surprise.  Use an experienced agent who will cover all the bases for you.

Here's a quiz for you to take on Home Buying Core Knowledge.  I hope you score high.

 

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Thank you for stopping by. Your comments on this post are welcomed and appreciated.
No one sold more homes in Del Norte County in 2009, 2010 and 2011--*in units sold and volume--than Fran Gatti. Put Fran to work for you!

 

Brought to you by Fran Gatti at  No one works harder for you!  Bus: 707-464-5400, Cell: 707-218-8162 Email: frangatti@remax.net Website: FranGatti.com My Blog: Fran's Blog RDCPro®, CDPE® CA lic 01723796

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