ADVERTISING SUPPLEMENTHousing StrongDespite Threatof SlowdownRealtors Call for Legislative Actionto Prioritize Housing Supply in 2020The Califomia Association of Realtors on October 29 issued the fol-lowing statement calling on state lawmakers to prioritize increasingthe housing supply:"The Califomia Association of Realtors is continuing its call for statelawmakers to advance policies that will increase the housing supply in theupcoming 2020 legislative session," said Jared Martin, C.A.R. president.IAs all signs show Califormia's housing affordability and availability crisisworsening, our state's leaders must prioritize improving supply as the solu-tion because our future depends on it. Simply put, it's time to get seriouson housing supply."Our membership of more than 200,000 real estate professionals isunited in urging the legislature to make increasing housing supply its toppriority in the next legislative session. While some meaningful progresswas made this year with the enactment of Sen. Nancy Skinner's SB 330 tostreamline the development permitting process, this crisis demands evenmore robust and meaningful policy changes."The Legislature must advance bold new solutions, like C.A.R.cosponsored SB 50 by Sen. Scott Wiener, if we are to have any hope ofdlosing the state's widening supply gap"Earlier this year, C.A.R. launched an initiative called Let's Get Seri-ous on Supply urging the Califormia Legislature to support policies thatincrease housing production. Our message was echoed by newspapereditorial boards across the state and from every political perspectiveincluding the Los Angeles Times, San Francisco Chronicle and TheOrange County Register."California's leaders must respond with real solutions before it's too lateand our children are left without the housing options they deserve. C.A.R.stands ready to work with lawmakers and Gov. Gavin Newsom to advancepolicies that deliver a brighter housing future for all Californians.Southland Regional Association of Realtors-By Dan Tresieras, President, and David WalkerThe housing market in recentmonths has seen unusualfluctuations in home mortgagerates with Freddie Mac reportingthat September alone was themost volatile month since thebeginning of 2018, posting anaverage week-to-week change of11 basis points for the 30-yearfixed-rate mortgage.SOUTHLAND REGIONALASSOCIATION OF REALTORS, INc.expected to appreciate 3.3 percent in2019 and 2.8 percent in 2020.Modest increases in homesales and house prices should boostpurchase mortgage originations to$1.2 trillion and $1.3 trillion in 2019and 2020,In the United States, he said theslowdown has been caused by acontraction in manufacturing and adecline in business investment, partlydue to weakening business confidence and uncertainty around theDespite marketuncertainty andthe approachof the holidays,Freddie Mac'sOctober foreca-set calls for thehousing marketto firm up asRealtor Dan Tresieas, home sales rise2019 SRAR President and interestrates hold at low levels not seen in30-year mortgage rates likely to be rectively3.7% for the remainder of 2019,tick up slightly to 3.8% in 2020Thesurge inrefinanceactivity willcarry overinto next year, with a projected $789billion and $785 billion in single-family refinance mortgage originations in 2019 and 2020, respectivelyThe Southland Regional Association of Realtorsis a local trade association with more than10.300members sening the San Femandoand Santa Clarita Valeys. SRAR is one of thelargest local associadions in the nabionlack of a trade deal with China."However, the housing marketremains on solid ground with hous-ing starts, building permits, existinghome sales, and new home sales alloutperforming the broader econo-my," Khater said.Here are some of the bighlights fromFreddie Mac's mest recent forecastThe average 30-year fixed-ratemortgage rate is forecasted to be 3.7percent for the remainder of 2019and to tick up slightly to 3.8 percentin 2020The house price forecast ismore than three yearsHome sales nationwide are ex-pected to increase to 6.0 million for2019 before growing to 6.1 millioncan quickly hone in on the photos that are most impor-tant to them by simply selecting a feature category, suchas, exterior, kitchen, bathroom, bedroom, living room orin 2020.Announcing Realtor.com's"Economic growth has slowedsignificantly across the globe, but theslowdown has becen more muted do-mestically," said Sam Khater, Freddie'Photo First' Featuredining room.Thanks to the feature's deeplearning-based algorithm, there isno additional work required by theseller or listing agent to optimizephotos."Imagine a home search that'scompletely customizable. Onewhere the buyer can choose all thefeatures that are important to them,and not only find those homesquickly, but view those photos first,"said Chung Meng Cheong, chiefproduct officer, realtor.com.The photo first feature opti-mizes and categorizes listing photosfor each home to simplify the homejourney. So, if you're particular aboutfeatures in your kitchen or bathroom, you can view those photosfirst."The new functionality led tomore consumers viewing a home'sdetails and taking the next step toconnect with an agent and learnmore. Photo first is now available onAndroid and iOS, and will be com-ing soon to web and mobile web.Realtor.com recently announcedthe release of its Photo Firstfeature designed to help homebuyers find their must-haverooms and finishes without theheadache of scrolling throughdozens of listing photos.Deep learning technology automati-cally categorizes and displays photosto simplify home search.The first-of-its-kind feature isdesigned to deliver an exceptionalbrowsing experience by making pho-tos more personal and relevant thanever beforeThe photo first feature can auto-matically recognize characteristicsof a room and organize photos intocategories with more than 97 percentaccuracy.For consumers, photos are an essen-tial element of a home search. Realtorcom has reimagined the listing photoexperience to make it simpler andmore useful than ever before.With the photo first feature, buyersMac's chief economist.Al(7Kchen (16BedExterior (12SPONSOR ACHILD IN NEEDss$25eExhyo wh pt of he SAR Clc Fdn SRRdot al holww S Fand lly o o a and hay Hoy prioncioneco c RR No dywbeav on S Cla di y as yrealtor.comEal Tareal ddobil SEARChe Fnde 5c -12Y pnTHE VOICE FOR REAL ESTATE IN THE SAN FERNANDO AND SANTA CLARITA VALLEYSwww.SRAR.com | Real Estate Questions? E-mail Dan Tresierras, SRAR 2019 President, c/o DavidW@SRAR.comREALTORS is a federaly registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORS and subscribes to its strict Code of EthicsEALTOR ADVERTISING SUPPLEMENT Housing Strong Despite Threat of Slowdown Realtors Call for Legislative Action to Prioritize Housing Supply in 2020 The Califomia Association of Realtors on October 29 issued the fol- lowing statement calling on state lawmakers to prioritize increasing the housing supply: "The Califomia Association of Realtors is continuing its call for state lawmakers to advance policies that will increase the housing supply in the upcoming 2020 legislative session," said Jared Martin, C.A.R. president.I As all signs show Califormia's housing affordability and availability crisis worsening, our state's leaders must prioritize improving supply as the solu- tion because our future depends on it. Simply put, it's time to get serious on housing supply. "Our membership of more than 200,000 real estate professionals is united in urging the legislature to make increasing housing supply its top priority in the next legislative session. While some meaningful progress was made this year with the enactment of Sen. Nancy Skinner's SB 330 to streamline the development permitting process, this crisis demands even more robust and meaningful policy changes. "The Legislature must advance bold new solutions, like C.A.R.co sponsored SB 50 by Sen. Scott Wiener, if we are to have any hope of dlosing the state's widening supply gap "Earlier this year, C.A.R. launched an initiative called Let's Get Seri- ous on Supply urging the Califormia Legislature to support policies that increase housing production. Our message was echoed by newspaper editorial boards across the state and from every political perspective including the Los Angeles Times, San Francisco Chronicle and The Orange County Register. "California's leaders must respond with real solutions before it's too late and our children are left without the housing options they deserve. C.A.R. stands ready to work with lawmakers and Gov. Gavin Newsom to advance policies that deliver a brighter housing future for all Californians. Southland Regional Association of Realtors- By Dan Tresieras, President, and David Walker The housing market in recent months has seen unusual fluctuations in home mortgage rates with Freddie Mac reporting that September alone was the most volatile month since the beginning of 2018, posting an average week-to-week change of 11 basis points for the 30-year fixed-rate mortgage. SOUTHLAND REGIONAL ASSOCIATION OF REALTORS, INc. expected to appreciate 3.3 percent in 2019 and 2.8 percent in 2020. Modest increases in home sales and house prices should boost purchase mortgage originations to $1.2 trillion and $1.3 trillion in 2019 and 2020, In the United States, he said the slowdown has been caused by a contraction in manufacturing and a decline in business investment, partly due to weakening business confi dence and uncertainty around the Despite market uncertainty and the approach of the holidays, Freddie Mac's October foreca- set calls for the housing market to firm up as Realtor Dan Tresieas, home sales rise 2019 SRAR President and interest rates hold at low levels not seen in 30-year mortgage rates likely to be rectively 3.7% for the remainder of 2019, tick up slightly to 3.8% in 2020 The surge in refinance activity will carry over into next year, with a projected $789 billion and $785 billion in single- family refinance mortgage origina tions in 2019 and 2020, respectively The Southland Regional Association of Realtors is a local trade association with more than 10.300members sening the San Femando and Santa Clarita Valeys. SRAR is one of the largest local associadions in the nabion lack of a trade deal with China. "However, the housing market remains on solid ground with hous- ing starts, building permits, existing home sales, and new home sales all outperforming the broader econo- my," Khater said. Here are some of the bighlights from Freddie Mac's mest recent forecast The average 30-year fixed-rate mortgage rate is forecasted to be 3.7 percent for the remainder of 2019 and to tick up slightly to 3.8 percent in 2020 The house price forecast is more than three years Home sales nationwide are ex- pected to increase to 6.0 million for 2019 before growing to 6.1 million can quickly hone in on the photos that are most impor- tant to them by simply selecting a feature category, such as, exterior, kitchen, bathroom, bedroom, living room or in 2020. Announcing Realtor.com's "Economic growth has slowed significantly across the globe, but the slowdown has becen more muted do- mestically," said Sam Khater, Freddie 'Photo First' Feature dining room. Thanks to the feature's deep learning-based algorithm, there is no additional work required by the seller or listing agent to optimize photos. "Imagine a home search that's completely customizable. One where the buyer can choose all the features that are important to them, and not only find those homes quickly, but view those photos first," said Chung Meng Cheong, chief product officer, realtor.com. The photo first feature opti- mizes and categorizes listing photos for each home to simplify the home journey. So, if you're particular about features in your kitchen or bath room, you can view those photos first." The new functionality led to more consumers viewing a home's details and taking the next step to connect with an agent and learn more. Photo first is now available on Android and iOS, and will be com- ing soon to web and mobile web. Realtor.com recently announced the release of its Photo First feature designed to help home buyers find their must-have rooms and finishes without the headache of scrolling through dozens of listing photos. Deep learning technology automati- cally categorizes and displays photos to simplify home search. The first-of-its-kind feature is designed to deliver an exceptional browsing experience by making pho- tos more personal and relevant than ever before The photo first feature can auto- matically recognize characteristics of a room and organize photos into categories with more than 97 percent accuracy. For consumers, photos are an essen- tial element of a home search. Realtor com has reimagined the listing photo experience to make it simpler and more useful than ever before. With the photo first feature, buyers Mac's chief economist. Al(7Kchen (16 Bed Exterior (12 SPONSOR A CHILD IN NEED ss $25 e Exhyo wh pt of he SAR Clc Fdn SRRdot al hol ww S Fand lly o o a and hay Hoy prionc ione co c RR No dywbe av on S Cla di y as y realtor.com Eal Tareal d dobil SEARChe Fnde 5c -12 Y pn THE VOICE FOR REAL ESTATE IN THE SAN FERNANDO AND SANTA CLARITA VALLEYS www.SRAR.com | Real Estate Questions? E-mail Dan Tresierras, SRAR 2019 President, c/o DavidW@SRAR.com REALTORS is a federaly registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORS and subscribes to its strict Code of Ethics EALTOR

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ADVERTISING SUPPLEMENT Housing Strong Despite Threat of Slowdown Realtors Call for Legislative Action to Prioritize Housing Supply in 2020 The Califomia Association of Realtors on October 29 issued the fol- lowing statement calling on state lawmakers to prioritize increasing the housing supply: "The Califomia Association of Realtors is continuing its call for state lawmakers to advance policies that will increase the housing supply in the upcoming 2020 legislative session," said Jared Martin, C.A.R. president.I As all signs show Califormia's housing affordability and availability crisis worsening, our state's leaders must prioritize improving supply as the solu- tion because our future depends on it. Simply put, it's time to get serious on housing supply. "Our membership of more than 200,000 real estate professionals is united in urging the legislature to make increasing housing supply its top priority in the next legislative session. While some meaningful progress was made this year with the enactment of Sen. Nancy Skinner's SB 330 to streamline the development permitting process, this crisis demands even more robust and meaningful policy changes. "The Legislature must advance bold new solutions, like C.A.R.co sponsored SB 50 by Sen. Scott Wiener, if we are to have any hope of dlosing the state's widening supply gap "Earlier this year, C.A.R. launched an initiative called Let's Get Seri- ous on Supply urging the Califormia Legislature to support policies that increase housing production. Our message was echoed by newspaper editorial boards across the state and from every political perspective including the Los Angeles Times, San Francisco Chronicle and The Orange County Register. "California's leaders must respond with real solutions before it's too late and our children are left without the housing options they deserve. C.A.R. stands ready to work with lawmakers and Gov. Gavin Newsom to advance policies that deliver a brighter housing future for all Californians. Southland Regional Association of Realtors- By Dan Tresieras, President, and David Walker The housing market in recent months has seen unusual fluctuations in home mortgage rates with Freddie Mac reporting that September alone was the most volatile month since the beginning of 2018, posting an average week-to-week change of 11 basis points for the 30-year fixed-rate mortgage. SOUTHLAND REGIONAL ASSOCIATION OF REALTORS, INc. expected to appreciate 3.3 percent in 2019 and 2.8 percent in 2020. Modest increases in home sales and house prices should boost purchase mortgage originations to $1.2 trillion and $1.3 trillion in 2019 and 2020, In the United States, he said the slowdown has been caused by a contraction in manufacturing and a decline in business investment, partly due to weakening business confi dence and uncertainty around the Despite market uncertainty and the approach of the holidays, Freddie Mac's October foreca- set calls for the housing market to firm up as Realtor Dan Tresieas, home sales rise 2019 SRAR President and interest rates hold at low levels not seen in 30-year mortgage rates likely to be rectively 3.7% for the remainder of 2019, tick up slightly to 3.8% in 2020 The surge in refinance activity will carry over into next year, with a projected $789 billion and $785 billion in single- family refinance mortgage origina tions in 2019 and 2020, respectively The Southland Regional Association of Realtors is a local trade association with more than 10.300members sening the San Femando and Santa Clarita Valeys. SRAR is one of the largest local associadions in the nabion lack of a trade deal with China. "However, the housing market remains on solid ground with hous- ing starts, building permits, existing home sales, and new home sales all outperforming the broader econo- my," Khater said. Here are some of the bighlights from Freddie Mac's mest recent forecast The average 30-year fixed-rate mortgage rate is forecasted to be 3.7 percent for the remainder of 2019 and to tick up slightly to 3.8 percent in 2020 The house price forecast is more than three years Home sales nationwide are ex- pected to increase to 6.0 million for 2019 before growing to 6.1 million can quickly hone in on the photos that are most impor- tant to them by simply selecting a feature category, such as, exterior, kitchen, bathroom, bedroom, living room or in 2020. Announcing Realtor.com's "Economic growth has slowed significantly across the globe, but the slowdown has becen more muted do- mestically," said Sam Khater, Freddie 'Photo First' Feature dining room. Thanks to the feature's deep learning-based algorithm, there is no additional work required by the seller or listing agent to optimize photos. "Imagine a home search that's completely customizable. One where the buyer can choose all the features that are important to them, and not only find those homes quickly, but view those photos first," said Chung Meng Cheong, chief product officer, realtor.com. The photo first feature opti- mizes and categorizes listing photos for each home to simplify the home journey. So, if you're particular about features in your kitchen or bath room, you can view those photos first." The new functionality led to more consumers viewing a home's details and taking the next step to connect with an agent and learn more. Photo first is now available on Android and iOS, and will be com- ing soon to web and mobile web. Realtor.com recently announced the release of its Photo First feature designed to help home buyers find their must-have rooms and finishes without the headache of scrolling through dozens of listing photos. Deep learning technology automati- cally categorizes and displays photos to simplify home search. The first-of-its-kind feature is designed to deliver an exceptional browsing experience by making pho- tos more personal and relevant than ever before The photo first feature can auto- matically recognize characteristics of a room and organize photos into categories with more than 97 percent accuracy. For consumers, photos are an essen- tial element of a home search. Realtor com has reimagined the listing photo experience to make it simpler and more useful than ever before. With the photo first feature, buyers Mac's chief economist. Al(7Kchen (16 Bed Exterior (12 SPONSOR A CHILD IN NEED ss $25 e Exhyo wh pt of he SAR Clc Fdn SRRdot al hol ww S Fand lly o o a and hay Hoy prionc ione co c RR No dywbe av on S Cla di y as y realtor.com Eal Tareal d dobil SEARChe Fnde 5c -12 Y pn THE VOICE FOR REAL ESTATE IN THE SAN FERNANDO AND SANTA CLARITA VALLEYS www.SRAR.com | Real Estate Questions? E-mail Dan Tresierras, SRAR 2019 President, c/o DavidW@SRAR.com REALTORS is a federaly registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORS and subscribes to its strict Code of Ethics EALTOR ADVERTISING SUPPLEMENT Housing Strong Despite Threat of Slowdown Realtors Call for Legislative Action to Prioritize Housing Supply in 2020 The Califomia Association of Realtors on October 29 issued the fol- lowing statement calling on state lawmakers to prioritize increasing the housing supply: "The Califomia Association of Realtors is continuing its call for state lawmakers to advance policies that will increase the housing supply in the upcoming 2020 legislative session," said Jared Martin, C.A.R. president.I As all signs show Califormia's housing affordability and availability crisis worsening, our state's leaders must prioritize improving supply as the solu- tion because our future depends on it. Simply put, it's time to get serious on housing supply. "Our membership of more than 200,000 real estate professionals is united in urging the legislature to make increasing housing supply its top priority in the next legislative session. While some meaningful progress was made this year with the enactment of Sen. Nancy Skinner's SB 330 to streamline the development permitting process, this crisis demands even more robust and meaningful policy changes. "The Legislature must advance bold new solutions, like C.A.R.co sponsored SB 50 by Sen. Scott Wiener, if we are to have any hope of dlosing the state's widening supply gap "Earlier this year, C.A.R. launched an initiative called Let's Get Seri- ous on Supply urging the Califormia Legislature to support policies that increase housing production. Our message was echoed by newspaper editorial boards across the state and from every political perspective including the Los Angeles Times, San Francisco Chronicle and The Orange County Register. "California's leaders must respond with real solutions before it's too late and our children are left without the housing options they deserve. C.A.R. stands ready to work with lawmakers and Gov. Gavin Newsom to advance policies that deliver a brighter housing future for all Californians. Southland Regional Association of Realtors- By Dan Tresieras, President, and David Walker The housing market in recent months has seen unusual fluctuations in home mortgage rates with Freddie Mac reporting that September alone was the most volatile month since the beginning of 2018, posting an average week-to-week change of 11 basis points for the 30-year fixed-rate mortgage. SOUTHLAND REGIONAL ASSOCIATION OF REALTORS, INc. expected to appreciate 3.3 percent in 2019 and 2.8 percent in 2020. Modest increases in home sales and house prices should boost purchase mortgage originations to $1.2 trillion and $1.3 trillion in 2019 and 2020, In the United States, he said the slowdown has been caused by a contraction in manufacturing and a decline in business investment, partly due to weakening business confi dence and uncertainty around the Despite market uncertainty and the approach of the holidays, Freddie Mac's October foreca- set calls for the housing market to firm up as Realtor Dan Tresieas, home sales rise 2019 SRAR President and interest rates hold at low levels not seen in 30-year mortgage rates likely to be rectively 3.7% for the remainder of 2019, tick up slightly to 3.8% in 2020 The surge in refinance activity will carry over into next year, with a projected $789 billion and $785 billion in single- family refinance mortgage origina tions in 2019 and 2020, respectively The Southland Regional Association of Realtors is a local trade association with more than 10.300members sening the San Femando and Santa Clarita Valeys. SRAR is one of the largest local associadions in the nabion lack of a trade deal with China. "However, the housing market remains on solid ground with hous- ing starts, building permits, existing home sales, and new home sales all outperforming the broader econo- my," Khater said. Here are some of the bighlights from Freddie Mac's mest recent forecast The average 30-year fixed-rate mortgage rate is forecasted to be 3.7 percent for the remainder of 2019 and to tick up slightly to 3.8 percent in 2020 The house price forecast is more than three years Home sales nationwide are ex- pected to increase to 6.0 million for 2019 before growing to 6.1 million can quickly hone in on the photos that are most impor- tant to them by simply selecting a feature category, such as, exterior, kitchen, bathroom, bedroom, living room or in 2020. Announcing Realtor.com's "Economic growth has slowed significantly across the globe, but the slowdown has becen more muted do- mestically," said Sam Khater, Freddie 'Photo First' Feature dining room. Thanks to the feature's deep learning-based algorithm, there is no additional work required by the seller or listing agent to optimize photos. "Imagine a home search that's completely customizable. One where the buyer can choose all the features that are important to them, and not only find those homes quickly, but view those photos first," said Chung Meng Cheong, chief product officer, realtor.com. The photo first feature opti- mizes and categorizes listing photos for each home to simplify the home journey. So, if you're particular about features in your kitchen or bath room, you can view those photos first." The new functionality led to more consumers viewing a home's details and taking the next step to connect with an agent and learn more. Photo first is now available on Android and iOS, and will be com- ing soon to web and mobile web. Realtor.com recently announced the release of its Photo First feature designed to help home buyers find their must-have rooms and finishes without the headache of scrolling through dozens of listing photos. Deep learning technology automati- cally categorizes and displays photos to simplify home search. The first-of-its-kind feature is designed to deliver an exceptional browsing experience by making pho- tos more personal and relevant than ever before The photo first feature can auto- matically recognize characteristics of a room and organize photos into categories with more than 97 percent accuracy. For consumers, photos are an essen- tial element of a home search. Realtor com has reimagined the listing photo experience to make it simpler and more useful than ever before. With the photo first feature, buyers Mac's chief economist. Al(7Kchen (16 Bed Exterior (12 SPONSOR A CHILD IN NEED ss $25 e Exhyo wh pt of he SAR Clc Fdn SRRdot al hol ww S Fand lly o o a and hay Hoy prionc ione co c RR No dywbe av on S Cla di y as y realtor.com Eal Tareal d dobil SEARChe Fnde 5c -12 Y pn THE VOICE FOR REAL ESTATE IN THE SAN FERNANDO AND SANTA CLARITA VALLEYS www.SRAR.com | Real Estate Questions? E-mail Dan Tresierras, SRAR 2019 President, c/o DavidW@SRAR.com REALTORS is a federaly registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORS and subscribes to its strict Code of Ethics EALTOR

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